Dhananjay Patre
Had no clue what I was doing with my investments. Downloaded this, synced everything, got advice. Now I actually understand my own money!
Partner fund houses
SEBI Compliant · AMFI Registered MFD · ARN-344035
Your private wealth advisor,
rebuilt as AI.
Reads the market
Monitors your portfolio
Doesn't sleep
24×7 instant advisory
Supervised by Registered Experts
PORTFOLIO VALUE MONITORED BY ORBIT AI
Total portfolio value monitored
PORTFOLIO VALUE UNDER 24×7 WATCH
Your personal wealth advisor, at your fingertips.
Why is my portfolio XIRR so low?
Two of your funds — F-1 and F-2 — are dragging your returns by 2.3% a year. I have a better alternative for both. And from your transaction history, switching today has zero tax implication. Want me to set up the switch?
Yes, do it.
Done — funds switched. You should see your XIRR improving within the next 30–60 days. I'll keep watching it.
I have ₹50L to invest for 2 years. What are my options?
Sure — two routes that fit a 2-year horizon:
Asset-1 · 21% p.a. · risk: high · max drawdown 15%
Asset-2 · 14% p.a. · risk: low · max drawdown 5%
Both are quality funds — the difference is how bumpy the ride gets.
I'll go with Asset-1.
Locked. I've sent you the payment link — your money goes to work the moment it clears.
Market is down 4% today. Is my portfolio safe?
Yes — your portfolio looks solid. Today's fall is concentrated in small caps; you're large-cap and debt oriented. You're down just 0.4%. Sit tight — no action needed.
Phew. Thank you.
That's what I'm here for. I watch your portfolio 24×7 — I'll ping you the moment anything actually needs your attention.
Can I save any tax before March?
Yes. You're sitting on ₹1.1L of unrealised long-term gains. Harvesting them now uses this year's ₹1.25L LTCG exemption — and saves you ₹13,750 in future tax. Zero exit load. Shall I place the orders?
Go ahead.
Done — orders placed. Proceeds get reinvested on settlement day. Your plan doesn't change; only your tax bill does.
Illustrative conversations · a registered expert signs off before any money moves
Real investors. Real reviews.
Straight from the Play Store, unedited.
Ayezakhan Khan
I had 8 funds just sitting there. Some were so bad I didn't even know! Advisor showed me which ones to trash and which to keep. Better returns now. Should've done this years ago honestly.
Mohammad Aksam
Was in some terrible performing funds for years (didn't even realize!). Switched to better ones through NiveshPe. Seeing actual growth now. Wish I knew about this earlier!
Vishal Kumar
I was losing money on some of my investments and didn't even know. Advisor pointed it out, we fixed it. Now actually making decent returns. Game changer.
Kiran Wankhade
Realized I was in underperforming funds for years. They helped me shift to better funds. Already seeing better returns in just a few months.
Yadunandan Patel
Was paying for funds that were barely growing. Advisor showed me exactly which ones to replace. My returns have actually improved. This was the wake-up call I needed.
Tejas Dewangan
Consolidated all my mess into one proper plan. Advisor told me straight up which funds were dragging me down. Switched them. Returns improved.
Clean. Intuitive. An interface you'll love using.
One advisor. Four superpowers.
The work an elite wealth advisor does for their richest clients, done for you, around the clock.
01
Reads the market
Every headline. Every price move. Priced in.
It watches
- Business dailies & market news
- Industry & regulator reports
- Stock, index & fund movements
- FII / DII institutional flows
What you get
Decisions grounded in today's market, not last year's returns.
"RBI holds repo rate steady"
This morning's headline
Debt fundsa rate pause works in their favour
Positive
Equity fundssteady, nothing to act on
Neutral
Small-cap fundsthe risk isn't paying today
Cautious
Why it matters: one headline, three signals. Other apps summarise news. Orbit prices it.
02
Ranks every fund
In-form or out-of-form. Verdicts, not trailing returns.
It watches
- Live market signals
- Fund NAVs & holdings
- Category benchmarks
What you get
Underperformers flagged before they quietly drag your returns.
Large cap · every fund scored today
In-form fundpositioned for what's coming next
Hold
Out-of-form fund6 quarters behind, quietly costing you 2.1% a year
Exit
Why it matters: six quarters of quiet underperformance, flagged and priced in the holder's rupees.
03
Restructures your portfolio
Private-banker work, in minutes.
It watches
- Your full synced portfolio
- Tax rules & holding periods
- Market signals & fund ranks
What you get
A tax-aware restructuring plan that used to need a private banker, reviewed by our advisors before it reaches you.
Portfolio synced · plan ready in minutes
Out-of-form funds exit firstyour in-form holdings stay untouched
No avoidable taxevery switch stays inside the ₹1.25L LTCG exemption
Reviewed by a registered expertbefore it ever reaches you
Why it matters: a 12-year, multi-folio portfolio restructured tax-first, minutes after sync.
04
Advises you
The advisor in your pocket.
It knows
- Live market & fund context
- Your portfolio & history
- Chat & voice channels
What you get
Answers that know your money, not generic tips. And a human advisor stays in the loop at sign-off.
how is my portfolio doing?
3 of your 11 funds are out of form. They are dragging returns by about 2.1% this year. Want me to walk you through the fix?
yes, and what does it mean for tax?
The plan exits only long-term lots, so gains stay inside your ₹1.25L LTCG exemption. Net tax on the switch: zero.
voice channel · same advisor, same context
Why it matters: the problem quantified, the tax answered right, the plan ready, in one chat.
Built & funded by alumni of
IIT Madras●
HSBC●
NatWest●
KPMG●
ICICI
From the founder
Advice this good used to require being rich already.
For decades, real wealth advisory, someone reading the market for you, watching your funds, restructuring around taxes, was reserved for those who already had crores. We built NiveshPe to break that gate: India's first fully automated wealth advisory platform, holding your money to the same standard a private bank would. We want to partner with you on your journey to becoming an HNI.
Your move
Start your journey to becoming an HNI.
Download the app, answer a few questions, and let Orbit AI put a private-banker-grade plan behind every rupee you invest.
Talk to us
