Investiyo uses a combination of its team's expertise in finance, data and technology to make your money work for you. The core of our investment service is based on the principles of Capital Asset Pricing Model, i.e., we ensure that you take lowest risk for a given return target. We help you do that by:

a) enough diversification

b) continuous monitoring of your portfolio

In other words we ensure that your eggs are placed in different and right baskets 24X7.

Investiyo's algorithm first applies threshold of fund vintage and AUM to determine which funds are worth investing. Funds are then selected on the basis of rigorous analysis of historical data using parameters such as historical returns, volatility and correlation between funds.

With Investiyo, you invest your money in more than one fund. This technique of investing in more than one fund is called diversification and is used to minimise risk. So if one particular mutual fund isn't doing well, there is another one to the rescue. All funds underperforming together still may happen if the Indian economy is in a very bad state, for example, what happened to the US economy during the financial crisis of 2008.

If you are a KYC verified investor, payment made before 1pm on a working day will be processed the same day. If the payment is made after 1pm, then your investment will be processed on the next working day.

If your KYC verification is pending, your investment process will begin once KYC formalities are completed. Typically, it takes about 24 hours to process your KYC from the time of you complete KYC successfully.

No, we don't charge you anything to use Investiyo. All our services are absolutely free for users.

Investiyo takes security of all its users, their data and transactions very seriously. All our systems are bank-grade secure and we have implemented a three-tier security structure where your data is secure in all three states - on server, at client and during the transit. Moreover, your money is directly sent to reputed Mutual Fund companies without the money ever hitting Investiyo's bank account.

If you have never invested before, you will have to go through a process called Know Your Customer (KYC). With Investiyo, this is simply taking a picture of your PAN card, Address proof and your signature on a blank piece of paper. You simply need to sit in front of your webcam to get this process done which takes less than 3 minutes.

No. Investiyo doesn't require you to do your KYC again. You can start investing right away if you are a KYC verified investor.