CashRich

Name

CashRich

Legal name

CR CashRich Fintech Private Limited

Website

https://www.cashrich.com/

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Wealth Management Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Robo-Advisors & Digital Wealth Managers (FSAAAAAD)

akta.pro secondary industries

Alternatives & Multi-Asset Digital Wealth Platforms (PE/VC/Real Assets access) (FSAGAEAL), Net Worth & Personal Balance Sheet Tracking (FSAGADAF)

Keywords

• Wealth management platform
• Mutual fund distribution
• Portfolio advisory services
• Family financial planning
• NRI investment services

Headquarters

HQ city

Mumbai

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mutual Fund Trail Commissions: CashRich is an AMFI registered mutual fund distributor earning trail commissions from fund houses on regular plan mutual funds. Commission rates range from 0.05% to 1.25% depending on scheme type (equity/ELSS, liquid funds, index funds, etc.). No fees charged directly to users - the app is free for life.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

CashRich operates an AMFI-registered mutual fund distribution platform that delivers a "Family CFO" wealth management service to affluent Indian families and NRIs. The core offering combines a mobile/web application with named relationship managers, deep portfolio reviews, AI-driven daily portfolio monitoring, and Dynamic SIP execution across 37+ Indian asset management companies. Revenue is generated through trail commissions from fund houses, with the app offered free to end users.

Product overview

CashRich is a unified wealth management platform positioned as a 'Family CFO' for affluent Indian families and NRIs. The core offering combines a mobile/web application with human relationship management and AI-powered monitoring. The platform's main products include: (1) the CashRich App serving as the client portal, (2) Portfolio Reviews as the flagship advisory service, (3) Family Vault for legacy and succession planning, (4) Global Investing via GIFT City for international diversification, and (5) a dedicated NRI Desk. Key features include Dynamic SIP for automated investing and AI Portfolio Monitoring for anomaly detection. The platform operates as an AMFI-registered mutual fund distributor, consolidating family holdings across stocks, mutual funds, fixed deposits, gold, loans, and insurance into a single view, with a named relationship manager and continuous AI monitoring.

Differentiator

Problem solved

Functional benefit

Brands

• Family Vault: A private record feature that stores information about family assets, nominees, and important documents, shared only after verified death or critical health emergency.
• Dynamic SIP
• NRI Desk

Products and services

• CashRich App Mobile (iOS and Android) and web client portal delivering CashRich's Family CFO service. Enables affluent Indian families and NRIs to track a consolidated portfolio across stocks, mutual funds, fixed deposits, gold, loans, and insurance; start SIPs; monitor goals; and access relationship manager support.
• Portfolio Reviews CashRich's flagship advisory service providing deep portfolio analysis checking for overlaps, hidden costs, and gaps across a family's holdings, followed by a clear action list. Delivered with named relationship managers walking through every review with the family.
• Global Investing via GIFT City Service enabling Indian families to invest in USD-denominated global equity funds through India's GIFT City (IFSCA-regulated). Includes DSP Global Equity Fund and PPFAS GIFT City Index Funds, with assistance on KYC, LRS, Form A2, and remittance for overseas education, travel, and diversification goals.
• NRI Desk Specialized service for Non-Resident Indians investing back in India, covering NRE and NRO account support, repatriation and tax clarity, fully digital onboarding from anywhere, and planning for return-to-India scenarios. Serves clients across the Gulf, US, UK, Singapore, and Japan.
• Mutual Fund Distribution AMFI-registered mutual fund distribution service (ARN-159464) enabling investment in regular plans across 40+ Indian asset management companies including HDFC, ICICI Prudential, SBI, Nippon India, Axis, Mirae Asset, 360 ONE, Aditya Birla Sun Life, and DSP. Settlements are processed through the BSE Star platform with direct bank-to-AMC money movement.

Quantifiable outcome

• Warned clients about Franklin Templeton debt fund risks in February 2019, 14 months before ₹25,000+ crore freeze in April 2020 - no CashRich user was affected
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature4 records

Partnerships

Eleven partnerships are on record, tiered standard and core.

• 360 ONE Mutual FundstandardChannel Partner/ Reseller/ DistributorCashRich distributes 360 ONE Mutual Fund schemes as an AMFI registered distributor. SEBI registration: MF/067/11/02.
• Aditya Birla Sun Life Mutual FundstandardChannel Partner/ Reseller/ DistributorCashRich distributes Aditya Birla Sun Life Mutual Fund schemes. SEBI registration: MF/020/94/8.
• HDFC Mutual FundstandardChannel Partner/ Reseller/ DistributorCashRich distributes HDFC Mutual Fund schemes. SEBI registration: MF/044/00/6.
• ICICI Prudential Mutual FundstandardChannel Partner/ Reseller/ DistributorCashRich distributes ICICI Prudential Mutual Fund schemes. SEBI registration: MF/003/93/6.
• SBI Mutual FundstandardChannel Partner/ Reseller/ DistributorCashRich distributes SBI Mutual Fund schemes. SEBI registration: MF/009/93/3.
• Nippon India Mutual FundstandardChannel Partner/ Reseller/ DistributorCashRich distributes Nippon India Mutual Fund schemes. SEBI registration: MF/022/95/1.
• Axis Mutual FundstandardChannel Partner/ Reseller/ DistributorCashRich distributes Axis Mutual Fund schemes. SEBI registration: MF/061/09/02.
• Mirae Asset Mutual FundstandardChannel Partner/ Reseller/ DistributorCashRich distributes Mirae Asset Mutual Fund schemes. SEBI registration: MF/055/07/03.
• DSP Asset ManagementcoreChannel Partner/ Reseller/ DistributorPartnership for GIFT City global equity fund distribution. DSP Global Equity Fund is India's first retail global equity fund from GIFT City, investing in 30-50 quality global companies. Minimum investment: USD 5,000.
• PPFAS Asset ManagementcoreChannel Partner/ Reseller/ DistributorPartnership for GIFT City index funds. PPFAS GIFT City Index Funds offer low-cost passive global exposure through index-linked funds.
• BSE Star PlatformcoreTechnology or IntegrationAll transactions processed through BSE's secure platform. Money moves directly between investor's bank account and the mutual fund house through BSE.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Kuvera: Kuvera is an Indian direct-mutual-fund and financial-planning platform offering free investing, goal planning, and tax harvesting - the closest head-to-head competitor in the Indian digital wealth space for affluent retail/mass-affluent users.
• Goalwise: Goalwise is an Indian goal-based, scientifically-allocated mutual fund robo-advisor that, like CashRich, charges zero direct fees and earns trail commission while offering advisory-style portfolio construction.
• Scripbox: Scripbox is an Indian goal-based mutual fund advisory with portfolio reviews and human advisory, competing head-on with CashRich's portfolio review and SIP-advisory proposition for affluent Indian families.
• INDmoney: INDmoney is a full-stack Indian wealth management app aggregating mutual funds, stocks, FDs, insurance and loans under one family-level view, with human advisors - directly comparable to CashRich's Family CFO positioning.

Broad incumbents

• Zerodha (Coin): Zerodha's Coin platform offers direct mutual funds alongside stocks and bonds, serving Indian retail and NRI investors with a low-cost, self-serve model that competes with CashRich at the transaction layer even if not at the family-advisory layer.
• Groww: Groww is India's largest direct-mutual-fund and stock investing consumer platform; it competes for the same affluent Indian retail/NRI audience but at far larger scale and with a broader product suite.
• 360 ONE Wealth: 360 ONE (IIFL Wealth) is a leading Indian private wealth and distribution platform; it is also an AMC partner of CashRich, representing both an incumbent competitor at the top end and a B2B distribution partner.
• Anand Rathi Wealth: Anand Rathi Wealth is a large Indian private wealth manager with physical presence and digital tools serving HNI families, comparable in target customer (affluent Indian families) even though channel-heavy.
• Nuvama Wealth: Nuvama is a listed Indian wealth management firm offering portfolio advisory, family-office and broking services to HNI/UHNI clients - the established incumbent counterpart to CashRich's affluent-family focus.

Emerging players

• Niyo (NiyoMoney): Niyo is an Indian digital banking and wealth platform for salaried and new-affluent users, partially overlapping on the Indian mass-affluent audience CashRich targets but with a younger, less affluent positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@CashRich-mutual-fund-app-india
• Xx.com/cashrichapp
• LinkedInlinkedin.com/company/sougatab

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds2 records

Investors

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

M&A1 record

Investments

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

Frequently asked questions about CashRich