Truth · Trust
Find out what your money is really doing.
Tru Nivesh checks your mutual funds, insurance and loans, tells you plainly what's working and what isn't, and gives you an expert, made sharper by AI, who knows your whole financial life and is a message away. No upfront fee. Every rupee we earn, shown before you decide.
About 10 minutes. No cold calls. Nothing to buy.
Mutual funds held
₹28.4L
Across 14 funds on 3 apps
The problem
Most portfolios are built one decision at a time. Nobody checks the whole.
A fund from a video. A policy from a bank visit. A SIP a friend recommended. Years later your money sits in many places, and no one on your side has looked at all of it together.
₹27,335 Cr
paid by investors as mutual fund distribution commission in FY25, mostly without noticing.
1 Finance analysis of AMFI disclosures, FY 2024–25
26,667
complaints of unfair business practices against life insurers in FY25, up 14% in a year.
IRDAI Annual Report 2024–25
10 Cr+
SIP accounts contributing every month. Investing has gone mainstream. Honest guidance hasn't.
AMFI monthly data, September 2026
How it works
The basics first. Products last.
Most people are sold a product first. We fix things in the order that protects your family, and only then talk about funds.
- 01
Emergency fund
Six months of expenses set aside first. If far more is sitting idle, we show you where it can earn more and stay easy to withdraw.
- 02
Insurance
Enough term and health cover for your family, bought as protection, never as an investment.
- 03
Investments
Your mutual funds reviewed as one portfolio: overlap, risk and cost, matched to your goals.
- 04
Loans
Costly loans checked against cheaper options, including borrowing against your funds instead of selling them.
TruCheck
A free, honest check of your whole financial picture.
Share your mutual fund statement with one-time consent, answer a few questions about your family, and get a plain-language report. Your data is used only to prepare it, and never sold.
1. Share your statement
One-time consent with an OTP. We never ask for passwords.
2. Tell us about your family
Goals, cover, loans and savings. About five minutes.
3. See what's working, and what isn't
Overlap, hidden costs, gaps in cover and loans that cost too much, in rupees.
4. Talk it through with a named expert
On WhatsApp, a call or video. Act on it with us, or don't. The report is yours either way.
TruCost · TruValue
We show you every rupee we earn.
Most distributors earn commission and never mention it. We show it in rupees, on every recommendation, before you decide. Once a year, we put what you paid us next to what we did for you.
What you paid us
What we did for you
Already paying commission to someone who never calls?
If your funds are in regular plans with an old agent or bank, you can move them to Tru Nivesh with a change-of-distributor request. No selling, no tax, no extra cost. The same commission simply goes to someone who works with you.
Our promises
What we will never do.
Hide what we earn
Every commission and partner fee is shown in rupees before you act, and again in your yearly TruValue.
Sell insurance as an investment
Insurance is for protection. We will not recommend an endowment plan or ULIP as a way to grow your money.
Switch funds just to earn
Our first advice is usually to stop, redirect and hold. If selling costs tax or exit load, you see the number first.
Rush you
No limited-time offers, no pressure calls, no countdowns. Take your report home and think it over.
Share or sell your data
You decide what we can see, and you can withdraw consent at any time.
Promise returns
Nobody can. We promise honesty about risk, cost and what we earn.
Who it's for
For people whose money has grown faster than their time to manage it.
"Is what I've built actually right?"
Ten or more funds across apps, a policy or two from years ago, and a feeling something's off. We diagnose, fix what matters and keep watch.
"How do I reach my goals?"
A wedding, a home, a child's education. We work out how much you need, what to invest each month, and keep you on track.
"Are my parents' savings safe?"
Many families find old policies and mis-sold products only when they look closely. We'll check your parents' portfolio too, with them in the room.
Your wealth expert
A real person who knows your whole picture.
Not a call centre, and not a relationship manager with sales targets. One named expert who knows your family, goals and holdings, reachable on WhatsApp, a call or video, with AI doing the heavy lifting.
Two reviews a year
February–March for taxes and your appraisal; October–November for the festive top-up and the year ahead.
There when it matters
When markets fall, when life changes, before any big decision.
Calm by design
No daily tips, no ticker-watching, no nagging notifications.
Questions
Straight answers.
How does Tru Nivesh make money?
When you invest in a mutual fund through us, the fund house pays us a commission from the fund's expenses, usually about 0.5–1% of the amount invested each year. Insurance and loan partners may pay us a fee. We show every one of these in rupees before you decide. There is no upfront fee.
Wouldn't a direct plan be cheaper?
Yes. Direct plans have no commission, and if you are happy managing your money alone, a direct-plan app is a good choice. People choose Tru Nivesh for a named expert, insurance and loans fixed too, and a yearly account of what we did against what we earned.
Do I have to move my investments?
No. We start by reviewing what you already hold. Most fixes mean stopping or redirecting SIPs, not selling. If you hold regular plans with another distributor, you can move them to us without selling or paying tax.
Is my data safe?
We use consent-based fetches through MF Central and India's Account Aggregator network. We never ask for passwords, never sell your data, and you can withdraw consent at any time.
Who will I actually talk to?
Your own named wealth expert, supported by our research team. Not a sales desk.
When can I start?
We are opening TruChecks to a small group of people in Bengaluru first. Write to us and we'll tell you when your slot is ready.
Truth first. Then trust.
Get your free TruCheck. Leave your details and a member of our founding team will reach out within one working day to set it up. Nothing to buy.