What Deciml does

Deciml (legal entity: Traustast India Private Limited) is a Pune-based micro-investing mobile application founded in 2020 that enables young Indian consumers to invest spare change from online transactions. The platform's core engine rounds up digital payments to the nearest ₹10 and routes the difference into user-selected investment vehicles, supported by SMS transaction detection and UPI autopay for daily deposits (₹10–₹500) and lump-sum top-ups (minimum ₹100). Underlying investments are executed through partner fund providers: Lendbox for fixed-return P2P notes (up to 10% per annum), Navi Mutual Funds (Equity Hybrid and Large/Mid Cap variants), and SafeGold for digital gold, with optional Gmail CAS parsing for portfolio aggregation.

Deciml's revenue model is AUM-based, earning distribution or trailing fees from third-party fund providers on assets routed through the platform, with no explicit fees charged to end users. The product is positioned for digitally native, first-time investors — millennials, Gen Z, and college students — who face perceived capital, knowledge, and behavioral barriers to entering traditional investment products. Distribution is direct-to-consumer via Google Play and Apple App Store, supplemented by a content-led top-of-funnel strategy (Wise Up blog, Instagram, LinkedIn, YouTube) and word-of-mouth referrals; there are no physical branches or third-party resellers.

The company has raised approximately $4 million cumulatively across a $1M pre-seed (May 2022), a bridge round (April 2023), and a $3M seed led by Jainam Broking (March 2025), and operates with 11–50 employees. Technology is functional but not differentiated: UPI autopay, SMS parsing, and Gmail integration are commoditized integrations rather than proprietary AI/ML systems. Disclosed customer outcomes include an average user investment of ₹1,859 per month through round-ups, while revenue, AUM, and active user counts are not publicly disclosed.

Name

Deciml

Legal name

Traustast India Private Limited

Website

https://deciml.in

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Deciml is a Pune-based mobile app that rounds up Indian consumers' online transactions and invests the spare change in mutual funds, P2P notes, and digital gold, targeting young, first-time investors with automated micro-investments starting at ₹1.

Ownership category

akta.pro rank

Headquarters

HQ city

Pune

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Others

Revenue model

1. AUM-based Management Fees: Deciml generates revenue by earning a share of the returns from the investment products offered on its platform. The platform offers mutual funds (Navi Equity Hybrid Fund, Navi Large & Mid Cap Equity Fund) and Lendbox fixed return funds. The company likely earns a distribution fee or commission from these fund providers based on assets under management (AUM) routed through the platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Deciml operates a mobile application that automatically rounds up online transactions to the nearest ₹10 and invests the spare change into user-selected mutual funds, P2P lending (Lendbox), or digital gold. Users can also set up daily auto-deposits (₹10–₹500 via UPI autopay) and lump-sum investments (minimum ₹100), enabling micro-investing starting at ₹1.

Product overview

Deciml is a micro-investing platform offering a single unified mobile application that enables users to invest spare change from online transactions. The core product is the Deciml App, which provides round-up investing, daily deposits, and lump-sum investment options. Users can invest in three main fund types: Lendbox (P2P lending with up to 10% returns), Navi Equity Hybrid Fund, and Navi Large & Mid Cap Equity Fund. Additional offerings include Digital Gold via SafeGold partnership, along with goal-setting and Sprint (investment projection) features. The platform is operated by Traustast India Private Limited and is SEBI-regulated.

Differentiator

Problem solved

Functional benefit

Products and services

• Deciml Mobile App A micro-investing mobile application that automatically rounds up online transactions and invests the spare change in mutual funds, P2P lending, or digital gold, enabling young Indians to start investing with as little as ₹1. Available on Android and iOS.
• Round-Up Investing Core investing mechanism that rounds up each online transaction to the nearest ₹10 and invests the spare-change difference (as low as ₹1) into a fund chosen by the user. For example, a ₹237 card swipe is rounded to ₹240 and ₹3 is invested.
• Daily Deposits Automated daily investment feature allowing users to invest a fixed amount (₹10 to ₹500) every alternate day via UPI autopay, enabling consistent investing without manual intervention.
• Lump-Sum Investments One-time investment option allowing users to invest any amount (minimum ₹100) at once to boost their investment growth beyond round-ups and daily deposits.
• Lendbox Fixed Return Fund (Keep It Steady) P2P lending investment option through Lendbox that diversifies investments across verified creditworthy borrowers, offering up to 10% returns per annum. Marketed as the 'Keep It Steady' option.
• Navi Equity Hybrid Fund - Growth (Balance It Out) Regular mutual fund option with a lower expense ratio, showing 15.88% growth over the 3-year period ending June 2023. Marketed as the 'Balance It Out' option.
• Navi Large & Mid Cap Equity Fund - Growth (Take A Leap) Regular mutual fund that invests in multiple established industry leaders, showing 25.44% growth over the 3-year period ending June 2023. Marketed as the 'Take A Leap' option.
• Digital Gold (via SafeGold) Digital gold investment option available through the SafeGold partnership, allowing users to buy and sell gold on the Deciml platform.

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• LendboxcoreTechnology or IntegrationInvestment fund partner offering Fixed Return Funds (Keep It Steady option) with returns up to 10% per annum. Lendbox diversifies investments across verified creditworthy borrowers and is one of three investment options available on Deciml.
• Navi (Parent: Navi Technologies)coreTechnology or IntegrationMutual fund provider partner offering Navi Equity Hybrid Fund - Growth (Balance It Out) and Navi Large & Mid Cap Equity Fund - Growth (Take A Leap). Navi Equity Hybrid Fund has shown 15.88% growth over 3 years; Navi Large & Mid Cap has shown 25.44% growth over 3 years (as of June 24, 2023).

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Acorns: Acorns pioneered the round-up spare-change investing model in the US. It is the closest global analogue to Deciml's core mechanism — automatically rounding up transactions and investing the difference — making it the most directly comparable peer for product and business model.
• Stash: US micro-investing platform targeting first-time investors with small recurring contributions into ETFs and mutual funds. Comparable to Deciml in low entry barrier, fractional investing, and content-driven financial education for new investors.
• Jar: Indian micro-savings app that rounds up transactions to buy digital gold, very similar daily-deposit automation mechanic. Closest Indian direct competitor to Deciml's micro-investing behavior-driven model.

Regional players

• Groww: India's largest retail investment platform for mutual funds and stocks, serving young first-time investors. Direct Indian competitor for the same customer base; broader product set but less specialized in micro-investing round-ups.
• INDmoney: Indian wealth management super-app aggregating mutual funds, stocks, fixed deposits, and US stocks. Competes with Deciml for the same young Indian investor persona but with a much broader financial product surface.
• Kuvera: India-based direct mutual fund investment platform with goal-based planning and tax tools. Comparable in targeting DIY Indian retail investors, with overlapping mutual fund distribution but no round-up mechanism.
• Niyo: Indian consumer fintech serving salaried millennials with savings, investing, and banking products. Targets the same young Indian salaried segment and competes for the same UPI-native user base.
• Cube Wealth: Indian wealth management and investment advisory platform for high-income millennials. Comparable in targeting young affluent Indian investors but at higher ticket sizes and with human-advisor overlay rather than automation.

Broad incumbents

• Zerodha (Coin): India's dominant discount broker with Coin for direct mutual fund investing. Targets the same young retail Indian investor segment with a much larger product portfolio (stocks, F&O, MF), posing scale competition for Deciml's user base.

Emerging players

• Siply: Indian micro-savings and employee benefits platform targeting blue-collar and salaried workers with small recurring savings. Comparable in micro-ticket automated savings mechanics for underserved Indian segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCoPDYUSkQFGlPp_TyAJ2twA
• LinkedInlinkedin.com/company/decimlapp/?originalSubdomain=in
• Instagraminstagram.com/decimlapp
• Xx.com/DecimlApp

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds3 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Deciml