Nidhi Investments

What Nidhi Investments does

Nidhi Investments is a privately held, Mumbai-based financial services firm operating as an AMFI-registered Mutual Fund Distributor. Founded in 2009 with a 1–10 person team, it offers a one-stop suite of personal-finance advisory services: investment planning, wealth planning, tax planning, insurance planning, retirement planning, and child education planning. Its stated mission is to "CREATE HNIs" by guiding middle-income and upper middle-income Indian households through long-horizon financial planning, with explicit handholding during market downturns. The firm also maintains a secondary NRI/Overseas segment serving clients in 6 countries outside India, alongside its domestic footprint across 14 Indian states.

The technical surface is modest: a marketing website hosting 14+ web-based financial calculators (SIP, Lumpsum, EMI, Life Insurance Need, Retirement, Grand Wedding, Dream Education, Dream Vacation, Dream Car/Property, Cost of Delay, Home Loan vs SIP, SIP Top-Up, Limited Period SIP, Birthday SIP, SWP). These calculators double as educational tools and top-of-funnel lead capture. No mobile app, API, SDK, or third-party integrations are disclosed. Client relationship management runs through a third-party IFA portal at ifaplanet.com, not a proprietary platform.

The business model is commission-driven: revenue is generated from trail and upfront commissions on mutual fund distributions facilitated under the AMFI registration. No fee-for-service advisory pricing is publicly disclosed; services are described as multi-year arrangements with quote-based engagement. Distribution is sales-led and direct — the firm's principals and field advisors serve individual clients face-to-face, augmented by organic digital channels (Facebook, Twitter/LinkedIn/Instagram, the Mr Knowledge Circle YouTube channel, and a long-running WordPress blog under the "Professor Bajaj" personal brand). There are no institutional clients, no public funding, no M&A history, and no leadership disclosures beyond the founder-anchored personal brand.

Name

Nidhi Investments

Legal name

Nidhi Investments

Website

https://nidhiinvestments.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

Nidhi Investments is a Mumbai-based, AMFI-registered Mutual Fund Distributor that provides personal financial planning — investment, wealth, tax, insurance, retirement, and child education — to middle-income and upper middle-income households across 14 Indian states and 6 overseas countries.

Ownership category

akta.pro rank

Product category

Financial Advisory and Mutual Fund Distribution Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Investment Management Advisory (RIA) (FSAEAAAB)

akta.pro secondary industries

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Mutual fund distribution
• Financial planning services
• Wealth management advisory
• Retirement planning
• Insurance planning

Headquarters

HQ city

Mumbai

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mutual Fund Distribution: As an AMFI-registered Mutual Fund Distributor, Nidhi Investments earns commissions from distributing mutual fund products to clients. Revenue is generated through trail commissions and upfront commissions on mutual fund sales.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Nidhi Investments is an AMFI-registered Mutual Fund Distributor that sells mutual fund products and delivers six core financial planning advisory services to individual clients: Investment Planning, Wealth Planning, Tax Planning, Insurance Planning, Retirement Planning, and Child Education Planning. The advisory offering is supported by a suite of 15+ free online financial calculators hosted on the company website that help prospective clients model SIP returns, lumpsum investments, EMI, life insurance need, retirement corpus, child education and marriage funding, vacation and asset goals, and the cost of delaying investments.

Product overview

Nidhi Investments is an AMFI-registered mutual fund distributor offering a comprehensive suite of financial planning services organized around six core offerings: Investment Planning, Wealth Planning, Tax Planning, Insurance Planning, Retirement Planning, and Child Education Planning. These services are complemented by a suite of 14 online financial calculators including SIP, Lumpsum, EMI, Life Insurance Need, Retirement, Grand Wedding, Dream Education, Dream Vacation, Dream Car/Property, Cost of Delay, Home Loan SIP, SIP Top Up, Limited Period SIP, Birthday SIP, and SWP calculators. The company serves clients across 14 states in India and 6 countries overseas, positioning itself as a one-stop financial solutions provider that transforms middle-income individuals into High Net Worth Individuals (HNIs) through proper planning and guidance.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Planning Comprehensive investment planning service that assesses a client's current financial status, defines goals, and designs personalised investment strategies to help individual clients and families reach desired objectives. Sold unit-by-unit to individual households via direct advisory engagement.
• Wealth Planning Specialised wealth planning service for individuals and families managing windfall gains, inherited wealth, or super-normal one-time amounts; provides tailored protection and growth strategies for high-value or lumpy wealth events. Sold as a discrete advisory engagement to individuals.
• Tax Planning Tax optimisation service for individual clients that reduces tax liability through strategic, lawful tax management and investment structuring. Sold as a discrete advisory engagement to individual households.
• Insurance Planning Financial planning service for individuals and families that structures insurance coverage to hedge rising medical costs, lifestyle risks, and life-stage contingencies, ensuring comprehensive financial security. Sold as a discrete advisory engagement.
• Retirement Planning Retirement planning service for individuals that identifies post-retirement income sources, estimates expenses, implements a savings programme, and manages assets and risk to deliver post-retirement financial stability. Sold as a discrete advisory engagement.
• Child Education Planning Planning service for parents that funds children's education including abroad studies, providing right-sized resources and investment structuring to build a secure academic future. Sold as a discrete advisory engagement.
• Mutual Fund Distribution (AMFI-registered) Distribution of mutual fund products to individual clients under AMFI-registered Mutual Fund Distributor status, including SIP and lump-sum investments, executed via the IFA Planet client login. Earns front-end and trail commissions per AMFI distributor norms.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• AMFI (Association of Mutual Funds in India)coreChannel Partner/ Reseller/ DistributorNidhi Investments is an AMFI-registered Mutual Fund Distributor, authorized to distribute mutual fund products in India. This registration is essential for their primary business of mutual fund distribution and financial planning services.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Groww: Groww is a leading Indian fintech platform distributing mutual funds, stocks, and other investments to mass-affluent retail investors. It is a direct competitor to Nidhi Investments in the AMFI-registered mutual fund distribution space.
• Scripbox: Scripbox is an Indian mutual fund distribution and financial planning company offering curated fund portfolios plus advisory. It targets the same Indian retail investor persona as Nidhi Investments with mutual fund distribution plus goal-planning tools.
• INDmoney: INDmoney is an Indian personal finance platform aggregating mutual funds, stocks, and tax planning alongside human advisory. It competes with Nidhi Investments in the same goal-based planning, tax, and wealth advisory segment for middle-income Indian households.
• Kuvera: Kuvera is an India-based mutual fund distribution and financial planning platform offering direct mutual funds, goal-based planning, and tax-saving tools. It is a direct peer of Nidhi Investments because both are AMFI-registered distributors serving Indian retail investors with online planning tools.
• Paytm Money: Paytm Money is the wealth management arm of Paytm offering mutual fund distribution and stock trading to Indian retail investors. It overlaps with Nidhi Investments in the mutual fund distribution and financial planning segment.
• ETMONEY (Times Internet): ETMONEY is an Indian personal finance app for mutual fund investing, tax planning, and loans. It targets a comparable middle-class Indian retail audience with mutual fund distribution and integrated financial planning tools.
• Zerodha (Coin): Zerodha's Coin platform is one of India's largest direct mutual fund distribution platforms. It competes with Nidhi's core distribution model by offering lower-cost, self-service access to the same mutual fund universe.

Broad incumbents

• HDFC Securities: HDFC Securities is a large Indian brokerage and mutual fund distribution platform from the HDFC group. It overlaps with Nidhi Investments in the retail mutual fund distribution and investment advisory market at much greater scale.
• Value Research: Value Research is an established Indian mutual fund research, ranking, and advisory platform. It is comparable to Nidhi Investments as a broader incumbent serving Indian retail investors with mutual fund research and selection-oriented content.
• FundsIndia (now Kfintech): FundsIndia was a major Indian online mutual fund distribution platform; Kfintech now serves as a broader fund servicing and distribution infrastructure provider. It is comparable as a larger incumbent offering mutual fund distribution plus adjacent financial services at scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/Professorbajaj?s=20
• YouTubeyoutube.com/@MrKnowledgeCircle
• Facebookfacebook.com/nidhi.investments
• LinkedInlinkedin.com/company/nidhi-investments
• Instagraminstagram.com/nidhiinvestments?igshid=MzRlODBiNWFlZA==

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Nidhi Investments