India’s Only Platform Built for Joint Direct Mutual Fund Investing
Open and buy joint mutual funds in 3 minutes. Save 1-2% annually. Invest together, grow together.
RBI, SEBI and DPDPA compliant
Zero Commission
Direct plans only - save ₹10,000+ annually on ₹10L investment
Zero Commission
Direct plans only - save ₹10,000+ annually on ₹10L investment
Instant Transfer
Automatic transfer to surviving partner - no paperwork hassle
Instant Transfer
Automatic transfer to surviving partner - no paperwork hassle
Both Partners Access
Shared dashboard, joint decisions, complete transparency
Both Partners Access
Shared dashboard, joint decisions, complete transparency
Core Value Proposition
Why Joint Holdings Are Superior to Individual Holdings
Aspect
Individual + Nominee
Joint (Either or Survivor)
Will + Probate
Transfer Process
Requires death certificate, KYC, legal verification (45-90 days)
Automatic transfer to surviving partner (0 days)
Court probate process (6-18 months)
Access During Transfer
Account frozen until verification complete
Surviving partner retains full access
Account frozen until court order
Legal Documentation
Death certificate, nomination forms, identity proof, notarization, indemnity bond
Only death certificate required
Death certificate + will validation + court probate
Cost of Transfer
₹15,000-75,000 (legal fees)
₹0 (No cost)
₹75,000+ (court fees + lawyer)
Tax Implications
Capital gains tax may apply on transfer
No tax on transfer between spouses
Capital gains tax + probate tax
Disputes Risk
High - relatives can challenge nominee
Zero risk - legal joint ownership
Very High - will can be contested
Investment Control
Only primary holder can transact
Either partner can invest/redeem
Only will executor (after probate)
Transparency
Nominee has no real-time access
Both partners see everything live
No transparency until inheritance
Benefits
5 Powerful Benefits of Joint Direct Mutual Fund Holdings
Immediate Access & Control
No Waiting, No Paperwork
Either partner can invest, redeem, or switch funds instantly
Surviving spouse gets immediate access without legal procedures
Perfect for emergency fund access or planned purchases
Example: Need money for medical emergency? Joint account holder can redeem instantly while individual nominee would wait weeks
Tax Optimization
Smart Tax Planning for Couples
Split capital gains across both partners' tax brackets
Lower overall tax liability on long-term investments
Spouse-to-spouse transfers are completely tax-free
Example: If husband is in 30% bracket and wife in 20%, strategic redemptions save thousands annually
Shared Financial Transparency
Complete Visibility, Joint Decisions
Both partners access the same dashboard 24/7
Real-time portfolio tracking and performance monitoring
Joint investment decisions with shared responsibility
Example: Both partners get SMS alerts for every transaction, ensuring complete transparency
Estate Planning Simplified
Seamless Wealth Transfer
No probate court involvement or will validation required
Automatic legal ownership transfer to surviving partner
Protects family wealth from legal disputes or challenges
Example: Joint holdings worth ₹50L transfer instantly vs 18-month probate process for will-based inheritance
Zero Commission Advantage
Direct Plans = More Money in Your Pocket
Save 1-2% annually compared to regular mutual fund plans
No distributor commission eating into your returns
₹10,000+ extra returns annually on ₹10L investment
Example: ₹10L invested in direct plan vs regular plan saves ₹2L over 10 years
Immediate Access & Control
No Waiting, No Paperwork
Either partner can invest, redeem, or switch funds instantly
Surviving spouse gets immediate access without legal procedures
Perfect for emergency fund access or planned purchases
Example: Need money for medical emergency? Joint account holder can redeem instantly while individual nominee would wait weeks
Tax Optimization
Smart Tax Planning for Couples
Split capital gains across both partners' tax brackets
Lower overall tax liability on long-term investments
Spouse-to-spouse transfers are completely tax-free
Example: If husband is in 30% bracket and wife in 20%, strategic redemptions save thousands annually
Shared Financial Transparency
Complete Visibility, Joint Decisions
Both partners access the same dashboard 24/7
Real-time portfolio tracking and performance monitoring
Joint investment decisions with shared responsibility
Example: Both partners get SMS alerts for every transaction, ensuring complete transparency
Estate Planning Simplified
Seamless Wealth Transfer
No probate court involvement or will validation required
Automatic legal ownership transfer to surviving partner
Protects family wealth from legal disputes or challenges
Example: Joint holdings worth ₹50L transfer instantly vs 18-month probate process for will-based inheritance
Zero Commission Advantage
Direct Plans = More Money in Your Pocket
Save 1-2% annually compared to regular mutual fund plans
No distributor commission eating into your returns
₹10,000+ extra returns annually on ₹10L investment
Example: ₹10L invested in direct plan vs regular plan saves ₹2L over 10 years
Immediate Access & Control
No Waiting, No Paperwork
Either partner can invest, redeem, or switch funds instantly
Surviving spouse gets immediate access without legal procedures
Perfect for emergency fund access or planned purchases
Example: Need money for medical emergency? Joint account holder can redeem instantly while individual nominee would wait weeks
Tax Optimization
Smart Tax Planning for Couples
Split capital gains across both partners' tax brackets
Lower overall tax liability on long-term investments
Spouse-to-spouse transfers are completely tax-free
Example: If husband is in 30% bracket and wife in 20%, strategic redemptions save thousands annually
Shared Financial Transparency
Complete Visibility, Joint Decisions
Both partners access the same dashboard 24/7
Real-time portfolio tracking and performance monitoring
Joint investment decisions with shared responsibility
Example: Both partners get SMS alerts for every transaction, ensuring complete transparency
Estate Planning Simplified
Seamless Wealth Transfer
No probate court involvement or will validation required
Automatic legal ownership transfer to surviving partner
Protects family wealth from legal disputes or challenges
Example: Joint holdings worth ₹50L transfer instantly vs 18-month probate process for will-based inheritance
Zero Commission Advantage
Direct Plans = More Money in Your Pocket
Save 1-2% annually compared to regular mutual fund plans
No distributor commission eating into your returns
₹10,000+ extra returns annually on ₹10L investment
Example: ₹10L invested in direct plan vs regular plan saves ₹2L over 10 years
Immediate Access & Control
No Waiting, No Paperwork
Either partner can invest, redeem, or switch funds instantly
Surviving spouse gets immediate access without legal procedures
Perfect for emergency fund access or planned purchases
Example: Need money for medical emergency? Joint account holder can redeem instantly while individual nominee would wait weeks
Tax Optimization
Smart Tax Planning for Couples
Split capital gains across both partners' tax brackets
Lower overall tax liability on long-term investments
Spouse-to-spouse transfers are completely tax-free
Example: If husband is in 30% bracket and wife in 20%, strategic redemptions save thousands annually
Shared Financial Transparency
Complete Visibility, Joint Decisions
Both partners access the same dashboard 24/7
Real-time portfolio tracking and performance monitoring
Joint investment decisions with shared responsibility
Example: Both partners get SMS alerts for every transaction, ensuring complete transparency
Estate Planning Simplified
Seamless Wealth Transfer
No probate court involvement or will validation required
Automatic legal ownership transfer to surviving partner
Protects family wealth from legal disputes or challenges
Example: Joint holdings worth ₹50L transfer instantly vs 18-month probate process for will-based inheritance
Zero Commission Advantage
Direct Plans = More Money in Your Pocket
Save 1-2% annually compared to regular mutual fund plans
No distributor commission eating into your returns
₹10,000+ extra returns annually on ₹10L investment
Example: ₹10L invested in direct plan vs regular plan saves ₹2L over 10 years
DRAG TO EXPLORE
DRAG TO EXPLORE
Immediate Access & Control
No Waiting, No Paperwork
Either partner can invest, redeem, or switch funds instantly
Surviving spouse gets immediate access without legal procedures
Perfect for emergency fund access or planned purchases
Example: Need money for medical emergency? Joint account holder can redeem instantly while individual nominee would wait weeks
Immediate Access & Control
No Waiting, No Paperwork
Either partner can invest, redeem, or switch funds instantly
Surviving spouse gets immediate access without legal procedures
Perfect for emergency fund access or planned purchases
Example: Need money for medical emergency? Joint account holder can redeem instantly while individual nominee would wait weeks
Tax Optimization
Smart Tax Planning for Couples
Split capital gains across both partners' tax brackets
Lower overall tax liability on long-term investments
Spouse-to-spouse transfers are completely tax-free
Example: If husband is in 30% bracket and wife in 20%, strategic redemptions save thousands annually
Tax Optimization
Smart Tax Planning for Couples
Split capital gains across both partners' tax brackets
Lower overall tax liability on long-term investments
Spouse-to-spouse transfers are completely tax-free
Example: If husband is in 30% bracket and wife in 20%, strategic redemptions save thousands annually
Shared Financial Transparency
Complete Visibility, Joint Decisions
Both partners access the same dashboard 24/7
Real-time portfolio tracking and performance monitoring
Joint investment decisions with shared responsibility
Example: Both partners get SMS alerts for every transaction, ensuring complete transparency
Shared Financial Transparency
Complete Visibility, Joint Decisions
Both partners access the same dashboard 24/7
Real-time portfolio tracking and performance monitoring
Joint investment decisions with shared responsibility
Example: Both partners get SMS alerts for every transaction, ensuring complete transparency
Estate Planning Simplified
Seamless Wealth Transfer
No probate court involvement or will validation required
Automatic legal ownership transfer to surviving partner
Protects family wealth from legal disputes or challenges
Example: Joint holdings worth ₹50L transfer instantly vs 18-month probate process for will-based inheritance
Estate Planning Simplified
Seamless Wealth Transfer
No probate court involvement or will validation required
Automatic legal ownership transfer to surviving partner
Protects family wealth from legal disputes or challenges
Example: Joint holdings worth ₹50L transfer instantly vs 18-month probate process for will-based inheritance
Zero Commission Advantage
Direct Plans = More Money in Your Pocket
Save 1-2% annually compared to regular mutual fund plans
No distributor commission eating into your returns
₹10,000+ extra returns annually on ₹10L investment
Example: ₹10L invested in direct plan vs regular plan saves ₹2L over 10 years
Zero Commission Advantage
Direct Plans = More Money in Your Pocket
Save 1-2% annually compared to regular mutual fund plans
No distributor commission eating into your returns
₹10,000+ extra returns annually on ₹10L investment
Example: ₹10L invested in direct plan vs regular plan saves ₹2L over 10 years
Start Your Joint Investment Journey Today
Our Process
Open Joint Direct Mutual Fund Account in 3 Simple Steps
Fully digital, paperless journey with consent-based data sharing, takes only 20 minutes to complete setup
STEP 1
STEP 2
STEP 3
01
Complete KYC
Both partners upload PAN, Aadhaar, and bank proof. Choose "Either or Survivor" holding mode
STEP 1
STEP 2
STEP 3
01
Complete KYC
Both partners upload PAN, Aadhaar, and bank proof. Choose "Either or Survivor" holding mode
Start Your Joint Investment Journey Today
Security
We are Reserve Bank of India (RBI) and SEBI certified because your family's complete financial privacy is 𝗡𝗢𝗡 𝗡𝗘𝗚𝗢𝗧𝗜𝗔𝗕𝗟𝗘.
Start Your Joint Investment Journey Today
FAQs
We’ve got the answers you’re looking for
What happens if one partner wants to exit the joint holding?
Can we convert existing individual holdings to joint holdings?
What if we get divorced? How are assets divided?
Are there any additional charges for joint accounts?
Can we add a third person (like parents) to our joint account?
What documents are required for joint account opening?
Do you share my data with anyone?
Can I delete my account and revoke my consent?
What happens if one partner wants to exit the joint holding?
Can we convert existing individual holdings to joint holdings?
What if we get divorced? How are assets divided?
Are there any additional charges for joint accounts?
Can we add a third person (like parents) to our joint account?
What documents are required for joint account opening?
Do you share my data with anyone?
Can I delete my account and revoke my consent?
Start Your Joint Investment Journey Today
Join 1,000+ couples who've already started investing together this month