About Surplus
Surplus (formerly SaveSmart) allows you to park idle funds in Direct Plans of Liquid and Overnight mutual funds from select AMCs. It offers high liquidity w...
Fri, 20 Mar, 2026 at 2:36 PM
Surplus helps you: Earn potentially better returns than idle savings balances Maintain high liquidity for your funds Park short-term or emergency funds ...
Fri, 20 Mar, 2026 at 2:37 PM
Surplus currently invests in Direct option of Liquid & Overnight funds from the below AMCs: Aditya Birla Sun Life Mutual Fund ICICI Prudential Mut...
Fri, 20 Mar, 2026 at 2:36 PM
Surplus invests your money in Direct Plans of Liquid and Overnight mutual funds from select AMCs. These funds are regulated by SEBI and are generally consid...
Fri, 20 Mar, 2026 at 2:37 PM
Liquid and overnight funds have historically delivered around ~6.7% annualised (Varies over time). Your balance grows daily.
Fri, 20 Mar, 2026 at 2:38 PM
Yes, it is included in your mutual fund capital gains report, which you can download anytime from the Reports section under the Profile menu.
Fri, 20 Mar, 2026 at 2:38 PM
Surplus is taxed like debt mutual funds, gains are taxed as per your income tax slab (similar to how savings account interest is taxed).
Fri, 20 Mar, 2026 at 2:39 PM