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Pivot Money

India’s Only Platform Built for Joint, Direct Mutual Funds

Open Your Free Joint Account - Save ₹50,000+ in Fees

Buy joint mutual funds in 3 minutes • Save 1-2% annually

RBI, SEBI and DPDPA compliant

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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

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

T1/T2 Form, death certificate, canceled cheque (only if bank change)

Automatic transfer to surviving partner (0 days)

User progress displayed on the app interface, illustrating achievements and milestones in a clear, visual format.

Automatic transfer to surviving partner (0 days)

₹0 (No cost)

Surviving partner retains full access

Zero risk - legal joint ownership

T1 or T2 Form, death certificate, canceled cheque (only if bank change)

₹0 (No cost)

Zero risk - legal joint ownership

Individual + Nominee

Requires KYC, legal verification (45-90 days)

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

₹15,000-75,000 (legal fees)

Disputes Risk is high - relatives can challenge nominee

Will + Probate

Court probate process (6-18 months)

Account frozen until court order

Death certificate + will validation + court probate

₹75,000+ (court fees + lawyer)

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

Surviving spouse gets immediate access without legal procedures

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

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

a close up of a typewriter with a tax return sign on it

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

white and red wooden house beside grey framed magnifying glass

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

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

Seamless KYC

Enter PAN, Aadhaar of both partners. Choose "Anyone or Survivor" holding mode.

STEP 1

STEP 2

STEP 3

Seamless KYC

Enter PAN, Aadhaar of both partners. Choose "Anyone or Survivor" holding mode.

Start Your Joint Investment Journey Today

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App Store

GET IT ON

Google Play

FAQs

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Start Your Joint Investment Journey Today

Join 1,000+ couples who've already started investing together this month

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