Opportunity for Investors

NiveshKaro.com ("NiveshKaro", "we", "us", or "our") is a trailblazing, free, zero-commission intermediary platform revolutionizing financial services in India by connecting users with independent, certified local financial advisors, consultants, or agents ("Advisors") for products and services such as life/health/motor insurance, mutual funds, tax filing, and government schemes like PPF/SSY. We invite forward-thinking investors to join us as partners in our mission to transform and democratize financial access across India. This Opportunity for Investors page is specifically for individuals or entities interested in investing in NiveshKaro’s business as stakeholders, not for users seeking financial services through the Platform (see our Advisory for Investors for user-related guidance).

By partnering with NiveshKaro, you have the chance to invest in a high-growth, technology-driven platform poised to capitalize on India’s booming financial services market. This page outlines why NiveshKaro is a unique investment opportunity, our growth prospects, and how you can become a valued investor in our business. NiveshKaro complies with the Digital Personal Data Protection Act, 2023 (DPDP Act), Information Technology Act, 2000 (IT Act), and Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, qualifying for safe harbour protection under Section 79 of the IT Act as an intermediary.

Contact Information:

• Email: team@niveshkaro.com
• Address: 502, Vibhuti Building, Saibaba Vihar Complex, G.B. Road, Thane West – 400615, Maharashtra, India
• Grievance Officer: Mrs. Reshma Chavan, support@niveshkaro.com
• Data Protection Officer (DPO): Mrs. Reshma Chavan, support@niveshkaro.com

Response Timeline: NiveshKaro reserves the right to provide an initial response to any emails, inquiries, or grievances sent to team@niveshkaro.com, within 7 working days. This period may be extended to 21 working days at NiveshKaro’s sole discretion, and investors agree to wait for the response within this timeframe.

1. Why Invest in NiveshKaro?

NiveshKaro is uniquely positioned to disrupt India’s financial services landscape. Here’s what sets us apart:

• Innovative Zero-Commission Model: Unlike traditional platforms, NiveshKaro charges no fees or commissions to users, fostering trust and driving rapid user adoption. Advisors are compensated directly by third-party providers (e.g., insurers, AMCs), ensuring unbiased recommendations and a scalable business model.
• Intermediary Safe Harbour Protection: As an intermediary under Section 79 of the IT Act, NiveshKaro facilitates connections without assuming liability for Advisor actions, refunds, or claims, significantly reducing operational and legal risks for investors.
• Broad Service Portfolio: Our Platform supports a wide range of financial needs, from insurance to mutual funds and government schemes, appealing to a diverse user base and creating multiple touchpoints for growth.
• Technology-Driven Scalability: Advanced technology powers seamless Advisor matching, user-friendly interfaces, and data-driven insights, positioning NiveshKaro as a leader in digital financial services.
• Regulatory Compliance: Strict adherence to Indian laws (e.g., DPDP Act, IT Act, IT Rules 2021) ensures robust data protection and operational integrity, enhancing investor confidence.
• Commitment to Financial Inclusion: By connecting users with local Advisors across urban and rural India, NiveshKaro addresses underserved markets, tapping into a massive growth opportunity.

2. Growth Prospects

India’s financial services sector is experiencing unprecedented growth, and NiveshKaro is strategically positioned to lead:

• Explosive Market Growth: The Indian insurance market is projected to reach USD 280 billion by 2025, and mutual fund assets under management surpassed INR 50 trillion in 2024. NiveshKaro’s platform aligns with this growth by facilitating access to these products.
• Scalable Business Model: Our zero-commission, intermediary model enables rapid expansion with minimal overhead, allowing us to penetrate new regions and demographics efficiently.
• Digital Adoption Surge: With over 700 million internet users in India as of 2025, our digital-first platform targets tech-savvy users and younger demographics, ensuring sustained growth.
• Expanding Advisor Network: We are continuously onboarding certified Advisors, growing our network to cover Tier-1, Tier-2, and rural areas, which drives user engagement and platform value.
• Strategic Partnerships: Opportunities to collaborate with insurers, asset management companies, and government initiatives create diversified revenue streams and enhance market presence.
• Data-Driven Innovation: Our analytics capabilities enable continuous improvement in user experience, Advisor matching, and operational efficiency, ensuring long-term competitiveness.

3. Benefits of Becoming an Investor

Investing in NiveshKaro offers:

• Stake in a High-Growth Venture: Gain equity in a scalable platform with strong potential for financial returns in India’s booming financial sector.
• Social Impact with Profitability: Support a mission to empower millions of Indians with accessible financial services, aligning social impact with business growth.
• Low-Risk Investment: Our intermediary status under Section 79 of the IT Act minimizes liability exposure, offering a secure investment opportunity.
• Access to Expanding Market Share: Benefit from our growing user base and Advisor network, driving platform value and market penetration.
• Transparent Collaboration: We provide clear communication, regular updates, and strategic alignment to ensure investor confidence and engagement.

4. How to Become an Investor

We welcome investors who share our vision to transform financial services in India. To explore partnership opportunities:

• Email Us: Contact team@niveshkaro.com with the subject line “Investor Partnership Inquiry.” Include your name, contact details, and a brief overview of your investment interest or proposal.
• Next Steps: Our team will respond within 7 working days, extendable to 21 working days at our discretion, to discuss potential investment structures, terms, and due diligence requirements.
• Due Diligence: Investors must comply with applicable laws, including KYC/AML requirements under the Prevention of Money Laundering Act, 2002, and provide necessary documentation (e.g., identity proof, financial credentials).

Note: Investment opportunities are subject to NiveshKaro’s sole discretion and compliance with regulatory requirements. We reserve the right to evaluate and select investors based on strategic fit, financial capacity, and alignment with our vision.

Contact Us:

To explore investment opportunities or for further details, reach us at:

• Email: team@niveshkaro.com
• Address: 502, Vibhuti Building, Saibaba Vihar Complex, G.B. Road, Thane West – 400615, Maharashtra, India

Response Timeline: NiveshKaro reserves the right to provide an initial response to any emails, inquiries, or grievances within 7 working days, extendable to 21 working days at our sole discretion. Investors agree to wait for the response within this timeframe.