India’s Only Platform Built for Joint, Direct Mutual Funds
Invest together. Grow together.
Buy joint mutual funds in 3 minutes • Save 1-2% annually
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 - Anyone or Survivor Holdings Are Superior to Individual Holdings
Surviving partner retains full access
Surviving partner retains full access
Surviving partner retains full access
T1/T2 Form, death certificate, canceled cheque (only if bank change)
T1/T2 Form, death certificate, canceled cheque (only if bank change)
T1/T2 Form, death certificate, canceled cheque (only if bank change)
Automatic transfer to surviving partner (0 days)
Automatic transfer to surviving partner (0 days)
₹0 (No cost)
Surviving partner retains full access
₹0 (No cost)
Zero risk - legal joint ownership
T1 or T2 Form, death certificate, canceled cheque (only if bank change)
Zero risk - legal joint ownership
₹0 (No cost)
₹0 (No cost)
Zero risk - legal joint ownership
Zero risk - legal joint ownership
Individual + Nominee
Requires KYC, legal verification (45-90 days)
Requires KYC, legal verification (45-90 days)
Requires KYC, legal verification (45-90 days)
Account frozen until verification complete
Account frozen until verification complete
Account frozen until verification complete
Death Certificate, T3 Form + Notarization, Identity Proof of Nominee, Banker Attestation for Nominee Signature, PAN of Nominee, Cancelled Cheque for new bank of Nominee, KYC + FATCA of Nominee, PAN of Deceased Individual + Notarization
Death Certificate, T3 Form + Notarization, Identity Proof of Nominee, Banker Attestation for Nominee Signature, PAN of Nominee, Cancelled Cheque for new bank of Nominee, KYC + FATCA of Nominee, PAN of Deceased Individual + Notarization
Death Certificate, T3 Form + Notarization, Identity Proof of Nominee, Banker Attestation for Nominee Signature, PAN of Nominee, Cancelled Cheque for new bank of Nominee, KYC + FATCA of Nominee, PAN of Deceased Individual + Notarization
₹15,000-75,000 (legal fees)
₹15,000-75,000 (legal fees)
₹15,000-75,000 (legal fees)
Disputes Risk is high - relatives can challenge nominee
Disputes Risk is high - relatives can challenge nominee
Disputes Risk is high - relatives can challenge nominee
Will + Probate
Court probate process (6-18 months)
Court probate process (6-18 months)
Court probate process (6-18 months)
Account frozen until court order
Account frozen until court order
Account frozen until court order
Death certificate + will validation + court probate
Death certificate + will validation + court probate
Death certificate + will validation + court probate
₹75,000+ (court fees + lawyer)
₹75,000+ (court fees + lawyer)
₹75,000+ (court fees + lawyer)
Disputes Risk is very high - will can be contested
Disputes Risk is very high - will can be contested
Disputes Risk is very high - will can be contested
Benefits
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
Need money for medical emergency? Joint account holder can redeem instantly while individual nominee would wait weeks
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
Both partners get SMS alerts for every transaction, ensuring complete transparency
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
₹10L invested in direct plan vs regular plan saves ₹2L over 10 years
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
Joint holdings worth ₹50L transfer instantly vs 18-month probate process for will-based inheritance
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
If husband is in 30% bracket and wife in 20%, strategic redemptions save thousands annually
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
Need money for medical emergency? Joint account holder can redeem instantly while individual nominee would wait weeks
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
Both partners get SMS alerts for every transaction, ensuring complete transparency
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
₹10L invested in direct plan vs regular plan saves ₹2L over 10 years
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
Joint holdings worth ₹50L transfer instantly vs 18-month probate process for will-based inheritance
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
If husband is in 30% bracket and wife in 20%, strategic redemptions save thousands annually
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
Need money for medical emergency? Joint account holder can redeem instantly while individual nominee would wait weeks
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
Both partners get SMS alerts for every transaction, ensuring complete transparency
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
₹10L invested in direct plan vs regular plan saves ₹2L over 10 years
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
Joint holdings worth ₹50L transfer instantly vs 18-month probate process for will-based inheritance
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
If husband is in 30% bracket and wife in 20%, strategic redemptions save thousands annually
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
Need money for medical emergency? Joint account holder can redeem instantly while individual nominee would wait weeks
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
Both partners get SMS alerts for every transaction, ensuring complete transparency
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
₹10L invested in direct plan vs regular plan saves ₹2L over 10 years
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
Joint holdings worth ₹50L transfer instantly vs 18-month probate process for will-based inheritance
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
If husband is in 30% bracket and wife in 20%, strategic redemptions save thousands annually
Immediate Access & Control
"No Waiting, No Paperwork"
Either partner can invest, redeem, or switch funds instantly
Either partner can invest, redeem, or switch funds instantly
Surviving spouse gets immediate access without legal procedures
Surviving spouse gets immediate access without legal procedures
Perfect for emergency fund access or planned purchases
Perfect for emergency fund access or planned purchases
Need money for a medical emergency? Joint account holder can redeem instantly while individual nominee would wait weeks
Need money for a medical emergency? Joint account holder can redeem instantly while individual nominee would wait weeks
Shared Financial Transparency
Complete Visibility, Joint Decisions
Both partners access the same dashboard 24/7
Both partners access the same dashboard 24/7
Real-time portfolio tracking and performance monitoring
Real-time portfolio tracking and performance monitoring
Joint investment decisions with shared responsibility
Joint investment decisions with shared responsibility
Both partners get SMS alerts for every transaction, ensuring complete transparency
Both partners get SMS alerts for every transaction, ensuring complete transparency
Zero Commission Advantage
Direct Plans = More Money in Your Pocket
Save 1-2% annually compared to regular mutual fund plans
Save 1-2% annually compared to regular mutual fund plans
No distributor commission eating into your returns
No distributor commission eating into your returns
₹10,000+ extra returns annually on ₹10L investment
₹10,000+ extra returns annually on ₹10L investment
₹10L invested in direct plan vs regular plan saves ₹2L over 10 years
₹10L invested in direct plan vs regular plan saves ₹2L over 10 years
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
If husband is in 30% bracket and wife in 20%, strategic redemptions save thousands annually
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
Joint holdings worth ₹50L transfer instantly vs 18-month probate process for will-based inheritance
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
Seamless KYC
Enter PAN, Aadhaar of both partners. Choose "Anyone or Survivor" holding mode.
STEP 1
STEP 2
STEP 3
01
Seamless KYC
Enter PAN, Aadhaar of both partners. Choose "Anyone or Survivor" holding mode.
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 Mutual Funds?
Can we add a fourth person to our joint account?
What documents are required for joint Mutual Funds opening?
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 Mutual Funds?
Can we add a fourth person to our joint account?
What documents are required for joint Mutual Funds opening?
Start Your Joint Investment Journey Today
Join 1,000+ couples who've already started investing together this month