A savings habit, run with institutional discipline
GovFundPlus operates the Bharat Nivesh Yojana — a fixed-tenure savings programme for Indian households and small businesses. It is deliberately narrow: four tenures, one interest method, one document, one payout channel. Narrow is what makes it auditable.
A rate you can hold us to
When you book a deposit, the rate is written into your record and frozen by the system itself. Administrators can revise published rates for future depositors, but the platform physically prevents any change to a booked contract.
Where your money goes
Deposits are deployed into fixed-return debt instruments — instruments that pay a defined coupon over a defined period. This is what allows the programme to contract a fixed return and keep the principal secured through the tenure.
Paper before payment
Nothing moves before you have signed. Your policy paper carries your name, contact details, PAN, nominee, principal, contracted rate, tenure, value date and maturity date, plus your drawn signature. It is downloadable and printable at any time.
Payouts you can audit
Every withdrawal request appears in the operations queue and can only be closed against a UTR number. That UTR is permanently written into your statement and into a printable log book.
Who operates GovFundPlus
The programme is operated by YK Enterprises. Deposits accepted under this programme are recorded in the books of the operating entity as unsecured obligations. This is stated in full on every policy paper you sign and in the scheme terms.
GovFundPlus is a private savings programme. It is not a bank, it does not accept demand deposits, and it is not insured by DICGC. It is not affiliated with, endorsed by, or sponsored by the Government of India, the Reserve Bank of India, or any public office.