What is the minimum amount to invest?

You can start with just ₹500 monthly! There's no maximum limit either. Invest whatever you're comfortable with - flexibility is our core strength.

What documents do I need for KYC?

KYC is simple and quick! Just your PAN card and Aadhaar card. The entire process takes about 5 minutes and is a one-time requirement.

Is NiveshPe a bank? Where does my money go?

We're not a bank. We're an AMFI-registered mutual fund distributor (ARN: 344035) operating in compliance with SEBI regulations. Your money is invested directly into mutual fund schemes from trusted companies like HDFC, ICICI, SBI, and Kotak.

How quickly can I withdraw my money?

Withdrawals are instant! Your money reaches your bank account within T+0 or T+1 (same day or next working day). No waiting periods, penalties, or lock-ins.

What returns can I expect?

Typically, you can expect 12-15% annual returns, though this depends on the mutual fund scheme and market conditions. Returns are not guaranteed as investments are subject to market risks.

Are there any hidden charges or fees?

Absolutely not! NiveshPe is 100% transparent. No hidden charges or transaction fees. The full amount you invest goes directly into the mutual fund.

What are expert-curated fund baskets?

Our expert team designs diversified fund baskets tailored to various goals like retirement, children's education, vacations, and more-optimizing for growth, stability, and low volatility.

How does automatic portfolio rebalancing work?

We rebalance your portfolio every 6 months, adjusting asset allocation to safeguard against market volatility and keep your investments on track.

What does a portfolio health check include?

We analyze your portfolio for underperforming funds, tax efficiency, overlap, diversification, and hedging against market downturns.

How does auto-invest work?

NiveshPe uses UPI AutoPay for seamless investing. Set it up once, and your chosen amount is automatically debited daily. You can pause or stop anytime - complete flexibility!

How much can I earn from referrals?

You earn ₹101 for every referral when they activate their account. There's no limit - top performers earn significant extra income by recommending NiveshPe to their network!

Is my money safe with NiveshPe?

Absolutely! We never hold your money. Your funds are invested directly with mutual fund companies regulated by SEBI. Your investments are held securely in your name.

Partner fund houses

SEBI Compliant · AMFI Registered MFD · ARN-344035

Your private wealth advisor,
rebuilt as AI.

Orbit AI reads the market, ranks every fund and manages your portfolio 24×7, HNI-grade advisory for every Indian.

Get it onGoogle Play Download on theApp Store

PORTFOLIO VALUE MONITORED BY ORBIT AI

Total portfolio value monitored

PORTFOLIO VALUE UNDER 24×7 WATCH

DATA FLOWS FORWARD · YOUR PORTFOLIO GETS SHARPER

Orbit AI · What it does for you

One advisor. Four superpowers.

The work an elite wealth advisor does for their richest clients, done for you, around the clock.

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.

Orbit AI · market signal live

input "RBI holds repo rate steady"

source Economic Times · 09:14 IST

context rate-cut cycle · FII -₹2,340Cr / DII +₹3,105Cr (7d)

signal DEBT · long +1.8 conf 0.82

EQUITY · mid +0.3 conf 0.64

SMALLCAP · short -0.7 conf 0.71

in an inflationary cycle, the same headline reads bearish. context changes the signal.

Why it matters: one headline, three signals. Other apps summarise news. Orbit prices it.

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.

Orbit AI · fund rank live

universe large cap · 214 funds scored

signal large-cap mid-horizon +1.2

rank #003 in-form positioned for what's next · hold

rank #187 out-of-form 6 qtrs below benchmark

return drag -2.1%/yr for every holder

verdict flag #187 for exit review across all portfolios

Why it matters: six quarters of quiet underperformance, flagged and priced in the holder's rupees.

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.

Orbit AI · restructure plan live

synced via MF Central · plan ready in 4m 51s

portfolio ₹42L · 23 funds · 12 yrs · 3 folios

step 1 merged folios · mapped 61 tax lots

step 2 exits sequenced: out-of-form first, LTCG lots only

step 3 ₹1.25L LTCG exemption harvested this FY

tax switch kept inside the exemption vs a naive switch

output full plan · reviewed · ready to execute

Why it matters: a 12-year, multi-folio portfolio restructured tax-first, minutes after sync.

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.

Orbit AI · advisory chat live

You · WhatsApphow is my portfolio doing?

Orbit AI3 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?

Youyes, and what does it mean for tax?

Orbit AIThe 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

Rajat Yadav

Founder & CEO, NiveshPe

IIT MADRAS ALUMNUS 10+ YRS FINTECH

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