NIVESH SAKHI

Invest India, Her Way.

Welcome to your personal financial sandbox. Every asset you wear, brand you shop, and dream you plan rests on top of a massive financial ecosystem. Let's make it work for you.

SELECT A GOAL TO PLAN YOUR ROUTE:
ESTIMATED MONTHLY INVESTMENT
₹11,492
Equity Mutual Funds 50%Debt Funds 30%Gold 20%

*Calculated assuming an illustrative return of 12% p.a. Compounded monthly. Actual returns will vary.

01. JEWELLERY BOX

You already own gold. Now make it work.

Every piece in your box has a financial twin. Tap one to see what it means as an investment, not just an heirloom.

Gold Necklace
Gold Necklace
→ Gold Investing
Silver Jewellery
Silver Jewellery
→ Silver Investing
Diamond Jewellery
Diamond Jewellery
→ Luxury / Consumer Industry
02. SHOPPING STREET

The mall you shop in is also a market you can invest in.

Every storefront sits on top of a listed business. Tap a store to see the real brands you shop from — and the actual stocks listed on the NSE/BSE behind them.

Beauty Store
Fashion Store
Jewellery Store
Coffee / Food
Electronics Store
Travel Counter
03. DREAM LIFE PORTFOLIO

Pick what you want. We'll price the monthly cost of getting there.

This isn't a wishlist — it's a plan with a number attached.

GOAL: TRAVEL
Goal₹5,00,000
Time3 years
Assumed return12% p.a.
YOUR ESTIMATED MONTHLY INVESTMENT
₹11,492
Suggested mix: Equity Mutual Funds 50% · Debt Funds 30% · Gold 20%
04. SHOPPING CART

What's usually in your cart?

Select the categories you actually spend on. We'll map them to the industries behind them.

Your Shopping Cart Portfolio

Select a category to build your portfolio →
05. CLOSET TO CAPITAL

Your closet, mapped to the market.

Every object you reach for each morning sits on top of a real, investable industry. Tap anything on the rail to open its financial world.

Gold Ring
Gold Ring
Gold / Commodities
SEE BELOW TO UNDERSTAND MORE...
Tap again to UNDO
Handbag
Handbag
Consumer / Luxury Stocks
SEE BELOW TO UNDERSTAND MORE...
Tap again to UNDO
Cosmetics
Cosmetics
Beauty / FMCG Stocks
SEE BELOW TO UNDERSTAND MORE...
Tap again to UNDO
Dress
Dress
Textile / Retail Stocks
SEE BELOW TO UNDERSTAND MORE...
Tap again to UNDO
Smartphone
Smartphone
Technology / Electronics Stocks
SEE BELOW TO UNDERSTAND MORE...
Tap again to UNDO
Suitcase
Suitcase
Travel / Aviation Stocks
SEE BELOW TO UNDERSTAND MORE...
Tap again to UNDO
Home Key
Home Key
Real Estate / REITs
SEE BELOW TO UNDERSTAND MORE...
Tap again to UNDO
Credit Card
Credit Card
Credit & Card Comparison
SEE BELOW TO UNDERSTAND MORE...
Tap again to UNDO

Ways to hold gold, digitally

Skip the locker. Still own the gold.

Gold ETFs
Units traded on the stock exchange that track the domestic price of gold. You need a demat account to buy and sell them easily, just like regular company shares.
Gold Mutual Funds
Funds managed by asset companies that invest in Gold ETFs on your behalf. Great for setting up small, regular monthly investments (SIPs) without needing a trading account.
Digital Gold
Offered by various apps and platforms, letting you buy tiny fractions of 24K gold that stay stored in insured vaults — start with as little as ₹1.
Electronic Gold Receipts (EGRs)
Electronic units traded on stock exchanges representing physical gold, with the option to convert them back into real gold whenever you like.
Ways to hold silver, digitally

Beyond the jewellery box.

Silver Exchange-Traded Funds (ETFs)
  • Traded like stocks on the NSE and BSE during market hours.
  • Each unit represents high-purity physical silver (99.9%) stored in secure vaults by a custodian.
  • Requires an active demat and trading account.
Silver Fund of Funds (FoFs)
  • Mutual funds that invest directly in Silver ETFs.
  • Allows you to set up regular Systematic Investment Plans (SIPs) without needing a demat account.
Silver Futures Contracts
  • Traded on the Multi Commodity Exchange (MCX).
  • High-risk, leveraged contracts where you bet on the future price movement of silver.
  • Suited for active, experienced commodity traders rather than long-term buy-and-hold investors.
Silver Mining & Producer Stocks
  • Buying shares of domestic companies that extract silver or produce it as a byproduct, such as Hindustan Zinc or Vedanta Limited.
  • Gives indirect business exposure to metal pricing and company performance.
Ways to invest in diamonds

Own the sparkle, not just the stone.

Equity and Company Stocks
  • Jewelry Retailers: Invest in major consumer brands with heavy diamond segments like Titan Company or Kalyan Jewellers.
  • Processing & Exports: Buy shares of B2B diamond processing and lab-grown manufacturing firms like Goldiam International or Asian Star Company.
Beauty & Personal Care

Beauty Store

Brand → Listed stock (NSE / BSE)
Nykaa→FSN E-Commerce Ventures
Lakmé→Hindustan Unilever
Mamaearth→Honasa Consumer
Lotus→Marico
Colorbar→Godrej Consumer Products
VLCC→Dabur India
Biotique→Colgate-Palmolive India