Bini
Bini Fintech Ltd is a Dhaka-based mobile platform that lets Bangladeshi retail investors access mutual funds, open BO accounts, and buy government sanchayapatra through a single app integrated with BSEC-regulated AMCs and banks.
- Company typePrivate
- Founded-
- HeadquartersDhaka, Bangladesh
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What Bini does
Bini Fintech Ltd operates a mobile-first investment aggregation platform based in Dhaka, Bangladesh. The company's app enables individual retail investors to invest in mutual funds from multiple Asset Management Companies, open Beneficiary Owner (BO) accounts online, and purchase government-issued sanchayapatra savings certificates through a single profile and KYC submission. The platform integrates with BSEC-regulated AMCs, brokerage houses, and scheduled banks, exposing 15+ investment options and a BDT 1,000 minimum systematic investment plan (SIP). Supporting modules include an Investment Tracker for consolidated portfolio and dividend history, an Asset Comparison Tool, an Investment Calculator, and tax rebate optimization features.
The business model is a hybrid of freemium consumer pricing and B2B agent/referral economics. Most services are free for end users — mutual fund purchases carry no consumer fee, and BO account opening is waived on first-year maintenance with any initial investment. Revenue is earned primarily through (a) flat per-transaction fees on sanchayapatra purchases (BDT 399), mutual fund redemptions (BDT 149), encashments (BDT 99), and certificate requests (BDT 49), plus (b) agent/referral fees from institutional partners (AMCs and banks) on investment flows. Distribution is product-led via Google Play and Apple App Store downloads, supplemented by a financial-education blog and organic social channels. The company has 2,600+ registered users, BDT 3 Cr+ in investment volume processed, and a 9-person team operating from Tejgaon, Dhaka. An embedded text-based AI assistant (Personal Finance Buddy) provides plain-language explanations of financial concepts.
Bini firmographics
Firmographics- Name
- Bini
- Legal name
- Bini Fintech Ltd
- Website
- https://bini.com.bd
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Bini Fintech Ltd is a Dhaka-based mobile platform that lets Bangladeshi retail investors access mutual funds, open BO accounts, and buy government sanchayapatra through a single app integrated with BSEC-regulated AMCs and banks.
- Ownership category
- akta.pro rank
Where Bini is headquartered
LocationHeadquarters
- HQ city
- Dhaka
- HQ country
- Bangladesh
- HQ region
- Asia
Offices2 records
Markets served
Bini business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction Fees - Sanchayapatra: Fees charged per transaction for sanchayapatra investments, encashment, and certificate requests
- Transaction Fees - Mutual Funds: Fee charged when selling mutual fund units
- BO Account Opening: One-time fee for opening BO account with first year waived upon investment
- Agent Partnership Fees: Bini creates agent partnerships with financial institutions (AMCs and banks) to earn referral fees. Using Bini is mostly free for mutual fund investments and BO account opening - Bini earns fees from institutional partners.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Mutual fund investments - No fee |
| One time/ perpetual license | One time/ perpetual license | BO account opening - BDT 150 + 15% VAT |
| Transaction based/ take rate | Pay-as-you-go | Sanchayapatra investments - BDT 399 per request |
| Transaction based/ take rate | Pay-as-you-go | Selling mutual funds - BDT 149 per request |
| Transaction based/ take rate | Pay-as-you-go | Sanchayapatra encashment - BDT 99 per request |
| Transaction based/ take rate | Pay-as-you-go | Sanchayapatra certificate requests - BDT 49 per request |
| Unit Pricing | Monthly | Minimum SIP investment - BDT 1,000/month |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Bini product offering
Product offeringCore offering
Bini is a byte-sized mobile investment platform that lets Bangladeshi retail users invest in multiple mutual funds and government sanchayapatra, open BO accounts online, and run Systematic Investment Plans (SIPs) from a single self-serve app. The company aggregates regulated offerings from BSEC-licensed Asset Management Companies, brokerage houses, and scheduled banks, and supplements the platform with an AI-powered Personal Finance Buddy, an investment calculator, an asset comparison tool, and a unified portfolio tracker. Revenue is generated through transaction-based fees on sanchayapatra and mutual fund sales, BO account opening, and agent/referral fees from institutional partners.
Product overview
Bini is a byte-sized investment super app offering a unified platform for multiple asset classes — primarily mutual funds, BO account opening, and government sanchayapatra (savings certificates) — accessible via Android and iOS apps. The core Bini Mobile App serves as the central access point, with a Personal Finance Buddy AI Assistant providing conversational financial guidance. Supporting modules include an Investment Calculator for return projections, an Asset Comparison Tool for comparing fund performance, an Investment Tracker for portfolio visibility, a SIP (Systematic Investment Plan) for automated monthly investing from BDT 1,000, online BO Account Opening, and Tax Filing support. The platform aggregates offerings from regulated financial institutions (AMCs and banks) under a single profile, charging transaction-based fees on sanchayapatra and mutual fund sales but no fees on mutual fund purchases or BO account setup.
Differentiator
Problem solved
Functional benefit
Brands
- Bini: Byte-sized investment platform enabling investments in mutual funds, sanchayapatra, and BO accounts from a single mobile app.
Products and services
- Bini Mobile App Bini's primary mobile application — a byte-sized investment super app enabling users to invest in mutual funds, open BO accounts online, and buy sanchayapatra from one unified platform. Available on Android (Google Play) and iOS (Apple App Store). Designed for individual Bangladeshi retail investors with self-serve KYC signup.
- Mutual Fund Investment Investment service allowing users to invest in multiple mutual funds (closed-end and open-end) from multiple Asset Management Companies (AMCs) using a single profile. Purchases are free for users; a BDT 149 fee applies when selling/redeeming mutual fund units. Requires an online BO account.
- Sanchayapatra (National Savings Certificates) Service enabling purchase of government-issued savings certificates including 5-Year Bangladesh Sanchayapatra, 3-Monthly Profit Bearing Sanchayapatra, Poribar Sanchayapatra, and Pensioner Sanchayapatra. Fees: BDT 399 per investment request, BDT 99 per encashment request, BDT 49 per physical certificate request.
- Online BO Account Opening Fully online service enabling users to open a Beneficiary Owner's (BO) account — required for investing in mutual funds and stocks — directly through the Bini app. One-time fee of BDT 172.50 (BDT 150 + 15% VAT). First year maintenance fee waived if the user invests any amount after opening.
- SIP (Systematic Investment Plan) Systematic Investment Plan allowing users to invest a fixed monthly amount (starting from BDT 1,000) in mutual funds on a selected date, with automatic deduction from their bank account. Designed to lower the entry barrier for new retail investors.
Quantifiable outcome
- Start investing with as little as BDT 1,000 per month through SIP
- +2 more outcomes
Companies that use Bini
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles1 record
Bini technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature6 records
Bini partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Bangladesh Securities and Exchange Commission (BSEC)coreRegulatory oversight body. Bini works only with regulated institutions overseen by BSEC including Asset Management Companies (AMCs) and brokerage houses.
- Asset Management Companies (AMCs)coreBini partners with multiple AMCs to offer mutual fund investments. Users can invest in various mutual funds through Bini's platform with investments managed by licensed AMC professionals.
- Scheduled Banks and Financial InstitutionscoreBini lists investment products from various scheduled banks and financial institutions. For sanchayapatra, investments are held with banks. Bini creates agent partnerships to facilitate these investments.
- Brokerage HousescoreBini integrates with brokerage houses for mutual fund transactions and BO account management.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
Bini competitors and assessment
Company assessmentDirect peers
- Kuvera: India's leading direct mutual fund investment platform offering curated, commission-free MF investing with portfolio tracking and comparison tools. Closely comparable to Bini in offering a single-profile aggregation layer over multiple AMCs, with similar freemium monetization.
- Saral (Bangladesh): Bangladeshi retail investment app focused on simplifying mutual fund and stock investing for retail users. Most direct geographic peer, targeting the same low-friction, single-profile investment thesis in Bangladesh.
- INDmoney: Indian super-app aggregating mutual funds, stocks, fixed deposits, and US equities with a single sign-on profile. Comparable to Bini as a multi-asset retail aggregator in a similar emerging-market context, with a broader product set.
- Groww: India's largest retail investing platform spanning mutual funds and stocks with mobile-first onboarding. Comparable in target customer (retail investors), onboarding simplicity, and underlying asset classes, but at much larger scale.
Emerging players
- Piggy (Pocketful): India-based micro-investing platform for beginners with small-ticket SIPs and curated portfolios. Comparable to Bini's BDT 1,000 SIP minimum and beginner-friendly AI-style guidance, though focused on curated portfolios rather than multi-fund aggregation.
Broad incumbents
- Betterment: US-based robo-advisor and consumer wealth platform offering automated investing and savings. Comparable in product-led onboarding and aggregation of investment products, but serves a US mass-affluent audience with fully automated advice.
- Wealthsimple: Canadian digital wealth platform offering investing, savings, and crypto via a single app. Comparable in offering a multi-asset consumer wealth super-app, though in a developed market and at far larger scale.
- MoneyLion: US digital financial platform combining investing, lending, and banking within a single mobile app. Comparable as a mobile-first financial super-app for retail users, with overlapping monetization (transaction fees + affiliate revenue).
Regional players
- Ak investora / Akkhor-like local digital AMCs: Bangladesh-based AMC-operated retail investment apps. Comparable as in-market competitors offering direct AMC-to-retail digital channels, representing a key disintermediation risk for Bini's aggregator model.
- StashAway: Digital wealth management platform operating across Southeast Asia with automated portfolio construction. Comparable as a tech-led retail wealth platform, though more robo-advisory in nature and serving a more affluent SEA customer.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Bini social profiles
Digital presenceBini financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bini leadership team
Management profileNumber of profiles
Profiles8 records
Bini funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bini M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bini
What does Bini do?
Bini is a byte-sized mobile investment platform that lets Bangladeshi retail users invest in multiple mutual funds and government sanchayapatra, open BO accounts online, and run Systematic Investment Plans (SIPs) from a single self-serve app. The company aggregates regulated offerings from BSEC-licensed Asset Management Companies, brokerage houses, and scheduled banks, and supplements the platform with an AI-powered Personal Finance Buddy, an investment calculator, an asset comparison tool, and a unified portfolio tracker. Revenue is generated through transaction-based fees on sanchayapatra and mutual fund sales, BO account opening, and agent/referral fees from institutional partners.
Is Bini a public or private company?
Bini is a private company. It is classified as unknown and is currently operating.
When was Bini founded?
Bini was founded in -1. It employs 1 to 10 people.
Where is Bini based?
Bini is headquartered in Dhaka, Bangladesh, in the Asia region.
How does Bini make money?
Four revenue lines are on record. Transaction Fees - Sanchayapatra is the primary driver. The others are transaction Fees - Mutual Funds, BO Account Opening and agent Partnership Fees.
Who are Bini's main competitors?
Direct peers on record are Kuvera, Saral (Bangladesh), INDmoney and Groww. Piggy (Pocketful) is listed as an emerging player. Broad incumbents are Betterment, Wealthsimple and MoneyLion. Regional players are Ak investora / Akkhor-like local digital AMCs and StashAway.
Does Bini have an API?
No public API is recorded for Bini.