Save smarter.
Grow faster.
Make every rupee work harder with Smart Savings,
Fixed deposits & Recurring deposits
managed together inside COSMO Galgal.
Smart Savings that runs on autopilot
Galgal auto-splits your income into Essentials, Savings, and Guilt-Free pitchers. Set limits, move money with a tap, and keep overspending in check—without spreadsheets.
Auto-split rules you can edit anytime
Spend caps + alerts to stay on track
Single view of balance, savings and what’s safely spendable
Deposits for assured growth
Prefer certainty?
Book Fixed Deposits or set up Recurring Deposits right inside the Savings tab. Choose the amount and tenure, see maturity projections, and track everything alongside your day-to-day savings.
#FD highlights
Flexible tenures, assured returns (as per bank policy)
Book and track digitally in one place
#RD highlights
Auto-save monthly towards big goals
Pause/close as per bank rules
Your rainy day fund, made easy
Create a safety buffer for life’s surprises. Pick a target (e.g., 3 months of expenses), and Galgal helps you build it steadily—without touching your everyday spend.
Turn big dreams into clear Targets
From a new phone to your first home, set Goal Pitchers, auto-save into them, and watch progress with TrendZ.
Goal templates & custom goals
Auto-save schedules
Progress & ETA visualized
Save more, Get more
Earn cashback, discounts and offers for saving smart and spending within limits—because good habits should feel rewarding.
Your Next Generation Banking Backed By
Card controls, biometric login and PINs keep your money secure.
Interest rates, FD/RD tenures and premature-closure terms are as per Cosmos Bank policy. COSMO Galgal is the digital interface; deposits are held with Cosmos Bank.
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