Earn 15%

extraaaa with Invest Your Interest

How Invest Your Interest Works?

Invest Your Interest is an innovative and first-of-its-kind solution designed to help you earn more while ensuring your capital remains secure. This unique feature allows you to automate the investment of your monthly interest earnings from your Torus Digital Savings Account into SIPs in passive investment schemes such as Index Funds or ETFs.

As the power of compounding takes effect, your savings will work harder for you, maximizing your returns over time.

So, what are you waiting for? Start your journey to financial growth with Torus today!

Why ETFs?

While you can create SIPs in individual stocks, our priority is to minimize risk and ensure the safety of your investments.

As of 2023, over USD 11.5 trillion globally are invested in ETFs. Over the past five years, Nifty 50 ETFs have delivered impressive returns of 14.89% (as of 30 Nov 2024), making them a safe and reliable investment option. These low-risk investment options not only offer potential for growth but also provide diversification and stability. We aim to help you grow your wealth with confidence and peace of mind, which is why we choose ETFs for your investment strategy.

3 Steps to Earn 15%* Extraaaa

Add Money in Torus Digital Savings Account

Step 1

Add funds in your Torus Digital Savings Account using Torus SuperApp.

Invest savings account interest into ETFs with SIPs from ₹27

Step 2

Apply to invest your monthly generated savings account interest into ETFs, with SIPs starting as low as ₹27.

Step 3

Sit back and let your money work for you—enjoy up to 15% more with Invest Your Interest!

Calculate Your Earnings!

Invest Your Interest Calculator

Enter Amount

Twenty Lakh Rupees

Select Time Period

Interest

₹.00

Thirteen Lakh Forty-Two Thousand Five Hundred Rupees

IYI Returns

₹.00

Seventeen Lakh Thirty-Six Thousand Four Hundred Ninety Rupees and Eighty-Four Paise

Total Returns

₹.00 (CAGR %)

Monthly interest from savings account will be auto-invested in ETFs on the 1st of every month.
Nifty (Index) has given up to 14.89% CAGR returns in the last 5 years.

Calculate Your Earnings!

Enter Amount

₹

Select Time Period

Interest

₹.00

IYI Returns

₹.00

Monthly interest from savings account will be auto-invested in ETFs on the 1st of every month.
Nifty (Index) has given up to 14.89% CAGR returns in the last 5 years.

Total Returns

₹.00 (CAGR10%)

Benefits of ‘Invest Your Interest’

Potential to earn more—up to 15%* EXTRA

Hassle-free experience with auto-invest option

No need to invest large sums—start SIPs from just ₹27!

Digitally secured and transparent model

No hidden charges

**Terms and condition apply

Testimonials

Real users, real results, real success stories!

Outstanding trading experience with Torus Digital Smooth onboarding process in 6 mins User friendly interface Accurate portfolio Real time data Excellent customer support Much much better than Zerodha & Angel. Overall a top tier mobile app that offers everything a trader could need. Highly recommended..👍

Hemant_Patil1

July 30, 2024 ★★★★★

A Must Have App Love the onboarding process. I did not even have to upload any document and completed my process within 6mins. It also offers a variety of wealth products to make financial decisions easier. Really a must have application for your investments and savings!! Totally recommended!!

Shweta_I3006

August 27, 2024 ★★★★★

Good experience It is a very good platform. The overall experience is smooth with some amazing features. I came on to this app because it offers almost all the products where I can invest in, like Trading, Advisory, Mutual Funds, and even Banking, all at the same place.

Awadhi Jain

August 27, 2024 ★★★★★

Excellent experience with Torus! Affordable brokerage fee of ₹11 and a user-friendly platform make trading a breeze.

Abhishek Kumar

August 5, 2024 ★★★★★

Amazing app, works very smoothly and has lots of features which helps in knowing more about the stock, going to other sites like NSE and BSE sites is not required much

Gloria Fernandes

August 5, 2024 ★★★★★

Great app with an easy-to-use interface and low brokerage charges

Sayali Nagwekar

August 23, 2024 ★★★★★

I was completely impressed with the app and other features . Highly recommend .

Shraddha Kamble

August 5, 2024 ★★★★★

Affordable brokerage, easy to operate, best of all I have tried 👍🏻

Iqra Khan

August 5, 2024 ★★★★★

Frequently Asked Questions

1. What is 'Invest Your Interest' (IYI)?

'Invest Your Interest' (IYI) is a unique feature by Torus Digital that allows its customers to automatically invest the monthly interest earned on their Torus Digital Savings Bank account into selected Exchange Traded Funds (ETFs). This feature aims to help you grow your wealth passively by putting your idle interest income to work in the market.

2. How does IYI work?

IYI allows you to automate investment of your monthly generated savings interest into selected ETFs. You only need to set up this feature once, and thereafter, your interest will be consistently funnelled into these investments.
This approach allows you to accumulate wealth over time with very little effort on your part, making it a convenient way to grow your savings.

3. Why should I use IYI?

IYI is ideal for individuals looking to grow their wealth without the hassle of actively managing investments. By automatically reinvesting your monthly interest earnings into selected ETFs, you can take advantage of potential market returns while gradually building a diversified portfolio. This hands-off approach allows you to focus on other priorities while your investments work for you.

4. What are ETFs in IYI?

ETFs (Exchange Traded Funds) are funds that pool together a diversified range of assets, such as stocks or bonds, and trade on exchanges. Investing in ETFs provides you with an exposure to the broader market or sector, offering a balanced approach to investment with lower risks compared to investing in individual assets.

5. How do I activate IYI?

Follow the steps below to activate the IYI feature on your Torus Digital All-in-One Savings & Investment account:
Step 1: Login to your Torus Digital app
Step 2: Go to Settings
Step 3: Navigate to the IYI section and enable the feature.
Step 4: Select one or more ETFs that match your investment goals
Once you’ve set it up, the feature will automatically invest your interest earnings each month, making your investment process seamless and efficient.

6. Is IYI available to all account holders?

Yes, IYI is accessible to all Torus Digital Savings Bank account holders.
If you have an active savings account that earns monthly interest, you can easily activate IYI and start investing your interest directly into ETFs.

7. Can I customize where my interest is invested?

Absolutely! You have complete control over how your interest earnings are invested.
Choose from a selection of ETFs, allowing you to tailor your investments to match your risk tolerance and financial goals. This way, you can ensure that your investment strategy aligns perfectly with your personal financial vision.

8. What happens if I don’t set up ETFs?

If you enable IYI without selecting any ETFs, your interest earnings will remain in your savings account and won’t be invested. To activate the automatic investment feature, you'll need to choose at least one ETF.

9. Can I change my ETF selections for IYI?

Yes, you can easily modify your ETF choices at any time in the IYI settings of your account.
Please note that any changes you make will only apply to future interest investments; your past investments will remain in the ETFs you initially selected.

10. Is there a minimum investment amount for IYI?

No, there is no minimum investment requirement. Once activated, IYI will invest the entire amount of interest credited to your savings account, whether large or small, into the chosen ETF. This approach provides you with the flexibility to passively grow your investments over time.

11. How frequently are IYI investments made?

IYI investments are made monthly, utilizing the interest credited to your savings account. Once your monthly interest is received, it is automatically invested in your chosen ETFs.

12. Can I stop or pause my IYI investments?

Yes, you can pause or stop IYI at any time by disabling the feature in your settings. When paused, your interest earnings will remain in your savings account until you choose to resume automatic investments.

13. What if my interest amount changes?

Once activated, IYI will automatically invest the interest credited to your savings account each month, irrespective of its size. This ensures you can take advantage of compounding over time, even with fluctuating monthly interest.

14. Are there fees for using IYI?

IYI does not impose any additional charges. However, standard ETF fees, such as expense ratios, may apply based on the funds you choose. These fees are typically minimal, making ETFs a cost-effective investment option.

15. Are there tax implications for IYI investments?

Yes, IYI investments may have tax implications. Earnings from ETFs can be subject to capital gains tax, and any dividends received may also be taxable. It’s advisable to consult with a tax advisor to receive personalized guidance based on your specific investment returns.

16. What returns can I expect from IYI?

With Invest Your Interest, you have the potential to earn up to an additional 14.89%. Over the past five years, the Nifty (Index) has delivered consistent returns, achieving a compounded annual growth rate (CAGR) of up to 14.89%. However, it's essential to remember that past performance of stocks or ETFs is not indicative of its future performance.
ETF returns fluctuate with market conditions, and there are no guarantees of returns. All investments involve some degree of risk, including the possibility of losing your capital. Please invest wisely.

17. Is IYI safe for conservative investors?

ETFs provide diversified exposure, which can help mitigate risk compared to investing in individual stocks or bonds. Conservative investors might opt for lower-risk ETFs, such as bond or index funds, to align with their risk tolerance. It's important to note, however, that all investments in ETFs are still subject to market fluctuations.

18. How can I track my IYI investments?

You can easily monitor your IYI investments at any time through the IYI dashboard on the Torus Digital app. This dashboard provides a comprehensive view of your investment history, current value, and performance metrics, keeping you informed about the progress of your investments.

19. Are my investments protected?

Like any market-linked investment, ETFs are subject to market fluctuations and come with inherent risks. It's important to note that potential returns are not guaranteed and include the possibility of losing capital.
However, the inherent diversification of ETFs can help mitigate the risks associated with individual stocks or bonds, making them a more balanced investment option compared to investing in single assets.

20. Who can I contact if I have questions about IYI?

If you have any questions or encounter any issues with IYI, our customer support team is here to help. You can reach us via live chat, email, or phone, and we’re available 24/7 to assist you with any concerns you may have.

21. What should I do if my IYI investments don’t go through or are unsuccessful?

If an IYI investment does not go through, please contact our customer support team. We will investigate the issue and work with you to find a resolution, ensuring your investment experience remains seamless.

22. Can I receive alerts for IYI transactions?

Yes, you will receive notifications for all IYI-related transactions via email or SMS. This ensures you stay informed about when your interest earnings are invested and allows you to easily track your investment activity.

23. How do I deactivate IYI?

To deactivate IYI, simply navigate to the IYI settings in your Torus Digital All-in-One Savings and Investment account and turn off the feature. This will halt any future investments, while your monthly interest will continue to reside in your savings account until you choose to reactivate IYI.

Get started with us today and
start building your wealth journey

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* Disclaimer: Torus Financial Markets Pvt. Ltd. is the authorized broking partner of Torus Digital Pvt Ltd, responsible for the opening of trading and demat accounts and the execution of trades.

extraaaa with Invest Your Interest

How Invest Your Interest Works?

Why ETFs?

3 Steps to Earn 15%* Extraaaa

Calculate Your Earnings!

Invest Your Interest Calculator

Interest

IYI Returns

Calculate Your Earnings!

Interest

IYI Returns

Total Returns

₹.00 (CAGR10%)

Benefits of ‘Invest Your Interest’

Testimonials

Frequently Asked Questions

Get started with our app

Get started with us today and start building your wealth journey

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