Most people don't need a better fund. They need a number to aim at, a system that runs on its own, and someone who picks up the phone when markets fall. That's what Niveshmart does.
3 minutes · No payment · No obligation · Your plan reaches the Niveshmart team for review before any call.
A worked plan, not a sales call.
Empanelled across India's leading asset management companies
Not just the mutual funds you hold through us — everything. Stocks, insurance, fixed deposits, bonds, EPF, NPS, property, even gratuity. Track 25+ asset classes in a single app and finally see the whole picture in one number.
Secure login with OTP. Transactions execute through NSE Invest and BSE StAR MF, with units held in your own name at the AMC and registrar. The portal opens in a new tab and is operated by our back-office provider.
Illustrative screens. All figures are dummy data, not a client portfolio.
Same process, same transparency, different scale of problem. We work with HNI and retail investors across India — onboarding and reviews are fully digital, so your city makes no difference to the service.
Salaried professionals and young families starting out. Goal-mapped SIPs, KYC and onboarding handled for you, step-ups when your income rises, and someone to call before you do anything rash.
Typically: ₹5,000 – ₹1,00,000 a month.
Larger portfolios with more moving parts — multiple family members, business cash flows, capital gains planning, debt allocation for treasury, estate and nomination hygiene, and consolidated reporting across every folio.
Typically: ₹50 lakh and above, or lumpsum deployment.
Plenty of apps will let you buy a fund in ninety seconds. Almost none will tell you whether you should.
"Retire comfortably" is not a plan. We turn every goal into a rupee figure and a date, then work backwards to a monthly amount you can actually afford.
Digital onboarding, online KYC, a portfolio view that makes sense, and statements you don't need a glossary to read. Paperwork should not be your problem.
We don't publish "top 5 fund" lists, we don't sell insurance dressed up as investment, and we won't move you into something because a new scheme launched.
Anyone can service you in a bull market. The value of a distributor is decided in the quarter your portfolio is down 22% and you want to stop everything.
Every recommendation comes with the reasoning in writing. If we can't explain why you own something in two sentences, you shouldn't own it.
Not a call centre, not a rotating relationship manager. The same person who set up your plan is the one who reviews it in year seven.
No forty-page report you'll never open. No jargon. Nothing sold on the first call.
Twelve questions, three minutes, online. You get a scored risk profile and an indicative asset allocation immediately.
Your profile reaches us the moment you submit it. We study it and come to the call prepared, instead of spending it asking you basics.
We go through your goals, your commitments and what's actually worrying you. Sometimes the honest answer is "clear that loan first."
Goal-wise allocation, scheme selection, KYC, folios and SIP mandates. Digital where possible. Your part takes about ten minutes.
Quarterly reviews, a step-up reminder when your income rises, and a phone call when markets fall. This is the part that actually decides outcomes.
Mutual funds build the wealth. Insurance stops one bad year undoing it. Fixed deposits hold what can't afford to fall. Most families need all three.
Work out the number you actually need, then build toward it monthly instead of guessing.
Education costs inflate faster than salaries do. Starting early beats starting big.
Use the options available to you without locking money into products you'll regret.
Holding nine funds already? Let's see what's doing work and what's just noise.
Term cover sized to your real liabilities, health cover that works when you need it, plus motor and home. Never bundled with investment.
Corporate and bank FDs, NCDs and government securities — with the credit risk explained plainly before you commit.
Most people either take far more risk than they can stomach, or far less than their timeline allows. Both are expensive mistakes, and both are avoidable.
Our profiler weights the question that actually predicts outcomes — what you do when your portfolio falls 20% — far more heavily than what you know about markets.
Indicative only, for discussion. Not investment advice and not a recommendation of any scheme.
Seven calculators, no email required. Change the assumptions and watch what happens — that's usually more convincing than anything we could say.
What a monthly SIP could grow into over time.
The monthly amount needed to hit a target.
The corpus you'd need to stop working.
What raising your SIP 10% a year does.
Fees inflate faster than salaries do.
How long a corpus lasts while you draw from it.
Growth on a one-time investment.
All seven in one place
Testimonials describe individual experiences of service and are not indicative of investment performance. Mutual fund returns are market-linked and not assured.
Nothing. You never pay us a fee. We're remunerated through trail commission paid by the asset management company out of the scheme's expense ratio, which exists whether you invest through a distributor or not. We publish the full structure on our commission disclosure page because SEBI requires distributors to disclose it — and frankly because you should be able to see it.
No, and the distinction matters. We are an AMFI Registered Mutual Fund Distributor (ARN-XXXXXX), not a SEBI Registered Investment Adviser. We help you choose among schemes, execute, and stay on track. We do not charge a fee for advice and we don't hold discretionary control over your portfolio.
If you enjoy research, rebalance without being reminded, don't panic in a drawdown and will handle your own paperwork — go direct, it's cheaper and we'll tell you so. Most people don't do those things. They hold six overlapping funds, stop the SIP in the first bad quarter and never rebalance. That behaviour gap usually costs far more than the expense ratio difference. That's the real trade-off.
We never hold your money. Every rupee goes directly to the asset management company, and units are held in your own name with the AMC and its registrar. You receive confirmations and statements directly from them. We facilitate and service the investment — we don't custody it.
No, and nobody legitimately can. Mutual fund investments are subject to market risks and returns are not assured. Every figure on this site is an illustration based on an assumed rate that you choose. Anyone promising you a specific return is a reason to walk away.
Many schemes allow SIPs from ₹500 or ₹1,000 a month. The amount matters far less than starting and not stopping. We'd rather you begin at ₹2,000 and step it up every year than wait two more years for the "right" amount.
Yes, subject to the KYC and account requirements applicable to NRIs, and to the rules of individual AMCs — a few don't accept investments from certain jurisdictions. Mention it in the profiler and we'll tell you exactly what applies to your case.
A question almost nobody asks aloud and everyone thinks about. Your folios sit with the AMC and registrar in your name, entirely independent of us — your investments are unaffected. Your nominee registration governs transmission, which is why we insist on nominations being complete and current for every folio.
Niveshmart is an AMFI Registered Mutual Fund Distributor (ARN-XXXXXX) working with HNI and retail investors across India. Onboarding, reviews and servicing are fully digital, so where you live makes no difference to the standard of service — we work with clients from metros, tier-2 cities and overseas alike. We help with SIP planning, retirement planning, child education planning, tax-saving ELSS investments, lumpsum and treasury deployment, and consolidating a portfolio that has grown messy over the years.
If you are comparing distributors, the questions worth asking any of them are: will you show me the maths behind the recommendation, will you disclose what you earn, and will you still be answering the phone in year seven? We've tried to answer all three on this site before you have to ask.
Take the profiler. Worst case, you leave knowing what number you're aiming at. Best case, you finally start.
