Trusted by Indians Worldwide
Trusted by Indians Worldwide
Frequently Asked Questions
FAQs
What is “Anyone or Survivor” mode, and how does it protect my family as an NRI?
Do you support KYC / KRA registration and modifications for NRIs?
Yes. Pivot Money is one of the few platforms that supports fully digital NRI KYC/KRA registration and modifications end-to-end, without requiring you to travel to India. Most investment platforms in India are designed for resident Indians, which means NRIs are often forced to deal with offline KYC updates, physical paperwork, or in-person verification just to start investing. Pivot Money removes these long-standing barriers by offering an entirely digital, advisory-led experience, allowing NRIs to complete KYC, make updates, and become investment-ready from anywhere in the world. Our goal is to build the financial operating system for Indians globally, starting with NRIs, so accessing India’s investment ecosystem no longer requires physical presence, repeated documentation, or broken workflows. This means: - no physical presence in India - no couriering documents - no in-person verification You can complete: - fresh KYC/KRA registrations - KYC modifications or updates entirely online, enabling you to invest in India’s growth story from anywhere in the world. This capability is a foundational part of our mission to remove long-standing operational barriers for NRIs and make India-linked investing truly digital and accessible.
Will someone from your team help me once allocations are made if I want to actively manage or rebalance my portfolio?
Will I be able to review my existing portfolio on the platform and make changes myself or with guidance?
How secure are my funds? Does Pivot Money hold my money or invest on my behalf?
Your money is always fully under your control. - We never hold or touch your funds - All payments are made directly from your bank account - Investments go directly to the Asset Management Company (AMC) When you invest: - A secure payment gateway opens - Money is debited from your bank account - Units are allotted in your name When you redeem: - Funds are credited directly back to your bank account We do not invest on your behalf — you place all buy/sell orders yourself, based on our guidance.
Do any mutual funds come with a lock-in?
This depends on the specific mutual fund scheme you choose. - Some funds (like ELSS) have lock-ins - Some schemes may have exit loads - Many funds have no lock-in at all We clearly display: - lock-in period - exit load - taxation details at the time of purchase, so you can make an informed decision. We also highlight that short-term capital gains tax is typically higher than long-term tax, which is important to keep in mind when investing.
Is Pivot Money regulated by SEBI and AMFI?
Yes. - SEBI Registered Investment Advisor (RIA) Registration No: INA000020396 Type: Non-Individual Validity: 01-Jul-2025 to Perpetual - AMFI Registered Mutual Fund Distributor ARN: 333340 Validity: 07-Jul-2025 to 06-Jul-2028 All advisory services are governed by SEBI regulations, and all distribution activities are AMFI-compliant.
What is Pivot Money’s core value addition?
Pivot Money is built specifically for NRIs. We offer: - One dashboard to track all your India-linked assets - Digital investing in India without physical presence - Advisory on: - Mutual funds - Taxation (India + DTAA considerations) - Equity and other products (rolling out) - A fully digital, paperless experience Over time, we aim to expand into cross-border investing and FX-linked products, allowing NRIs to invest in India and beyond more seamlessly. Think of Pivot Money as an advisory-led neobank for NRIs.
Is everything DIY, or does your team provide research and guidance?
At launch, we are enabling DIY execution. Shortly thereafter, we will roll out: - research-backed advisory - portfolio insights - rebalancing guidance This allows you to stay in control while benefiting from structured guidance.
Are there any limitations when investing in Direct Mutual Funds?
Limitations are set by Asset Management Companies (AMCs), not by us. Some AMCs restrict investments from certain countries due to regulatory complexity. We handle this transparently. - Minimum investment can be as low as ₹100 - We personalize available schemes based on your tax residency You can see the list of supported AMCs for the US, Canada, and other regions here: https://www.pivotmoney.app/blogs/how-nris-can-invest-in-indian-mutual-funds-in-2026
Will your team review my portfolio? How does this differ for Regular vs Direct MFs?
Yes — in two different ways. 1. Regular Mutual Funds - Advisory is provided at no direct cost to you - We are compensated via AMC commissions 2. Direct Mutual Funds - We offer a flat-fee advisory subscription - Includes portfolio reviews and rebalancing guidance - Optional consultations available if required You always choose the model that best fits your preferences.
How does Pivot Money make money? Do you promote specific mutual funds?
Tracking and DIY investing are completely free. When you opt for paid Advisory services, we generate revenue in two ways: 1. AMC commissions (only if you choose Regular plans) 2. Flat advisory subscription (if you choose Direct plan advisory) We do not promote or push any specific mutual fund. Our fiduciary responsibility is clearly outlined in the SEBI Investment Advisory Agreement you sign with us.
Does your team manage my money on my behalf?
No. As per SEBI regulations: - Advisors cannot manage client funds - All decisions remain with you We provide: - research - recommendations - advisory baskets You always initiate the final buy or sell action yourself within the app.
What is “Anyone or Survivor” mode, and how does it protect my family as an NRI?
Do you support KYC / KRA registration and modifications for NRIs?
Will someone from your team help me once allocations are made if I want to actively manage or rebalance my portfolio?
Will I be able to review my existing portfolio on the platform and make changes myself or with guidance?
How secure are my funds? Does Pivot Money hold my money or invest on my behalf?
Do any mutual funds come with a lock-in?
Is Pivot Money regulated by SEBI and AMFI?
What is Pivot Money’s core value addition?
Is everything DIY, or does your team provide research and guidance?
Are there any limitations when investing in Direct Mutual Funds?
Will your team review my portfolio? How does this differ for Regular vs Direct MFs?
How does Pivot Money make money? Do you promote specific mutual funds?
Does your team manage my money on my behalf?
What is “Anyone or Survivor” mode, and how does it protect my family as an NRI?
Do you support KYC / KRA registration and modifications for NRIs?
Will someone from your team help me once allocations are made if I want to actively manage or rebalance my portfolio?
Will I be able to review my existing portfolio on the platform and make changes myself or with guidance?
How secure are my funds? Does Pivot Money hold my money or invest on my behalf?
Do any mutual funds come with a lock-in?
Is Pivot Money regulated by SEBI and AMFI?
What is Pivot Money’s core value addition?
Is everything DIY, or does your team provide research and guidance?
Are there any limitations when investing in Direct Mutual Funds?
Will your team review my portfolio? How does this differ for Regular vs Direct MFs?
How does Pivot Money make money? Do you promote specific mutual funds?
Does your team manage my money on my behalf?
