Most families are investing without a plan.
SIPs, insurance, retirement accounts and savings – all working in isolation. NYVO brings them into one plan so you can see where you stand and what comes next.
SEBI Registered RIAINA000022172
India's only family finance platform.
Built for families who are investing but don't have a plan. Bring goals, investments and protection into one clear view.
SEBI-registered · Fee-onlyDirect plans only. No commission.
- Bank-grade encryption
- Read-only access – we can't move your money
- SEBI-registered, fee-only advice
- Your data stays in India · never sold
What we plan for
Every rupee gets a job to do.
Financial freedom
Make work optional.
Child's education
Fund the education they deserve.
Emergency fund
A 4-month buffer for life's surprises.
Lifestyle fund
Travel, hobbies, the good stuff.
Built on principles, not product commissions.
No commissions, ever
No fund pays us for placement. We earn nothing from what we recommend.
Evidence, not opinions
Every rating runs on long-term data – never sales targets or marketing.
Always on your side
SEBI-registered, fee-only. Our only job is your family's money.
One app for the whole picture.
- Goals
Plan your family's goals.
- Invest right
Invest right, based on your goals.
- Analyse
Analyse your family's investments.
- What to fix
Fix the funds quietly costing you.
- What to buy
Know exactly what to buy.
- Portfolio
A portfolio that gets you there.
- Protection
The right cover for the life you've built.
A fee-only adviser works for you.
Most “free” advice in India is paid for by commissions baked into your returns. Here's the difference.
| Dimension | NYVO fee-only SEBI RIA | Typical distributor / agent |
|---|---|---|
| How they're paid | A flat advisory fee you pay directly | Commissions from the funds they sell you |
| Plans recommended | Direct plans – zero distributor commission | Regular plans – trail commission baked into your returns |
| Whose interest comes first | Yours – SEBI fiduciary duty | Often the highest-paying product |
| What you actually get | A written plan across goals, investments, insurance and tax | Product recommendations, the “fund of the month” |
| Conflict of interest | None – we earn nothing from what we recommend | Structural – their pay rises with the commission you fund |
Portfolio health
See your portfolio the way an adviser would.
Every fund is rated against its category on performance, risk and consistency – so you see what to keep and what to fix.
Strong performance with controlled risk. Suitable for long-term holding.
Doing its job. Worth holding, though better alternatives may exist.
Needs monitoring. Wait before adding more.
Meaningfully behind peers or taking more risk than expected.
The methodology
Investment Thesis & Rating Methodology
How we build your plan. How we grade every fund.
Trusted by families
Families who wanted clarity, not more products.
“NYVO helped me bring clarity to my life goals. From understanding how much insurance I truly need to aligning my investments with long-term objectives, they helped me see the bigger picture. Their structured platform gave me confidence that my financial decisions are aligned with where I want to be in the next 10-15 years.”
Lived every mistake. Now building the fix.
Harsh Soni
Founder
16+ years structuring billion-dollar M&As and IPOs at Bank of America, Kotak, and SBI Capital Markets. Former CFO at slice. Father of two – knows the family-finance maze first-hand.
Kshitij Jain
Founder
IIT-Delhi and IIM-Ahmedabad alum. Years as a consultant at BCG, then strategy at slice. Built NYVO after watching his parents lose their corporate health cover and getting lost in insurance jargon.
Questions worth answering.
We start with your goals – when each one matters, how much it costs in today's rupees, and how flexible the timeline is. From there we pick the asset mix per goal: equity for long-horizon goals, debt and cash for near-term ones. Then we combine those per-goal allocations into a single portfolio sized for your life. No generic 60/40 models.
An emergency fund equals roughly 4× your monthly expenses, kept liquid – cash, liquid funds, or a sweep account. The point isn't to earn; it's to keep one bad month from forcing you to break a long-term holding. Insurance, not investment.
It's the slice you ring-fence outside your goals so you can take more risk without putting financial freedom or education at risk. The trip, the camera, the sabbatical. We don't moralise about the spend – we just keep it separate.
Not yet. Today NYVO tells you what to buy, what to fix and why, and you place the order at your own AMC or broker – your money never passes through us. Direct-plan execution inside the app is expected within the next month. It will be optional and consented to separately: the advice does not depend on it, and it stays commission-free either way.
Each fund gets a 0–100 composite score. The pillars are skill (rolling excess returns vs its cohort), downside risk and recency, plus credit quality for debt funds and tracking precision and cost for index funds – all percentile-ranked inside the fund's own category. 65 and above is Healthy, 50–65 Stable, 35–50 Watch, below 35 Critical. Tiers refresh quarterly.
It isn't. Every fund is ranked inside its own cohort – Mid Cap vs Mid Cap, Debt vs Debt, Hybrid vs Hybrid. A Hybrid 70 means the same thing as a Large Cap 70: 70th percentile in its own category.
Tiers refresh quarterly on the rating side. Your portfolio diagnostic updates whenever NAVs settle (daily for most schemes). You'll see what changed and why on every refresh.
No. The research is human. Our team defines the methodology, sets the pillars and thresholds, reviews every category and signs off on what NYVO recommends. AI is used in a narrow supporting role – reading context, summarising documents, helping phrase an explanation in plain English. It does not score funds, rank categories, or decide what you should own.
Yes. NYVO Investment Advisor is a SEBI-registered Investment Adviser (IA Reg No. INA000022172) and a BSE member (Membership 2469). Part of NYVO Technology Private Limited (CIN U62090KA2025PTC204991).
₹99 for three months, inclusive of taxes. That is the entire cost – there is no percentage of your portfolio, no transaction charge, and nothing added later. The fee applicable to you is set out in Schedule I of your advisory agreement, which you see and accept before anything begins.
Only by the fee you pay. NYVO earns zero commissions, trail payouts, or kickbacks from AMCs, insurers, or platforms. That separation is the entire reason the advice is worth taking – nothing we recommend can pay us more than anything else we could have recommended.
With your existing custodians – mutual fund AMCs, banks, brokers. NYVO never takes custody of client funds. We're an adviser, not a platform that holds money.
Now live on iOS & AndroidYour family's money, finally in one place.