Earn on idle
current account cash
Cash in your current account earns 0%. Idlewise helps move surplus cash into SEBI-regulated funds to earn 6% or more.
*Returns shown are indicative and market-linked — not guaranteed.
Where does your surplus cash earn?
A simple, side-by-side look at your current account, with fixed deposit, and with Idlewise.
- Returns
- Maturity
- Partial withdrawal
- Taxation
- Strategic Allocation
Current A/C
Standard Account- 0%
- No maturity
- Any amount, anytime
- Nothing to tax
- None
Current A/C + FD
Bank Term Deposit- Fixed, pre-decided rate
- Fixed tenure
- Not possible without penalty
- Interest taxed every year (accrued)
- Fixed deposit only
Current A/C + Idlewise
Liquid & Flexible- Around 6% or more
- Flexible to withdraw anytime
- Any amount, anytime, no penalty
- Taxed only when you withdraw
- Can include bonds & equity for higher returns
How Idlewise Works
A simple, transparent view of how your cash moves, earns and comes back when you need it.
How your idle cash moves across a financial year
When revenue is collected, like a school's term fees, the surplus moves into SEBI-regulated funds to start earning. It comes back automatically when expenses are due.
Surplus starts earning
(Sweep-out) On your approval, fund units are purchased in your name.
Back when you need it
(Sweep-in) Fund units are redeemed for expenses — the rest keeps earning.
Total profit earned via Idlewise across the financial year.
Triggers Signals OnlyInstitution Bank Account
Your current account
Fund Folio
In your legal name & PAN
Your money stays in your institution's name
On your approval, Idlewise tells the bank when to move money. It never holds or touches your cash.
Money moves strictly between your bank account and your mutual fund folio — held with CAMS/KFintech. No third-party wallet, no pooling ever used.
Nothing moves without
approval.
Your finance team proposes. Your board signatories approve. Then money moves.
No single person can move funds alone. Every approval is logged and fully traceable — so there's always a clear record of who did what, and when.
Move ₹50 Lakh to Liquid Fund
Initiated by Meera Sharma · Finance Manager · 10:14 AM
Awaiting Management Approval
2 of 3 authorized signatories required before funds move.
Awaiting Approval Before Bank Transmission
Direct exchange settlement without intermediary account
Earn 6% or more on your current account balance.
No lock-ins, no paperwork, no change to how you already manage your account — just cash that finally works while it sits idle.
Idlewise is free to get started, during our early access period.
No subscriptions, no advisory fees, no hidden costs.
Regulatory transparency: Sigfyn earns a standard distributor commission from AMCs, fully disclosed to your board per SEBI/AMFI guidelines.
No credit card required. Paperless onboarding in 24 hours.
Questions we get asked
Everything you need to know about safety, custody, and SEBI compliance.
Your entity does. Your units are held directly in your entity's own folio, in your entity's legal name and PAN. Sigfyn or Idlewise never holds custody of your securities or capital.
If Idlewise were discontinued tomorrow, nothing would happen to your money. Your folios live at the AMCs (Asset Management Companies) and their registrar transfer agents (CAMS / KFintech), not with us. You would redeem directly with the fund house, or through any other AMFI distributor or direct platform, exactly as you could today.
Still have questions?
Connect with our founding team directly — we'll walk you through everything for your company.