Nayakfin

What Nayakfin does

Nayakfin (legal name: Nayak Fin) is an India-based online mutual fund distribution platform registered with SEBI/AMFI under ARN-62769. Founded in 2008 and headquartered in Faridabad, Haryana, with branch offices in New Delhi and a registered office in Kolkata, the company distributes equity, debt, hybrid, and liquid mutual funds to individual retail investors and Non-Resident Indians (NRIs) through a direct-to-consumer website. Its core product surface includes a mutual fund investment platform supporting SIP and lumpsum modes, goal-based financial planning modules (car, home, child education/marriage, retirement, vacation), and an NRI Corner addressing FEMA-compliant investing. The technology stack is web-only — there is no mobile app — and the platform was designed and is powered by ARM Fintech Consultants, with transaction processing routed through BSE India and the NSE NMF Transaction Platform.

The business model is commission-based: Nayakfin earns trail commissions of 0.5%–1.0% on Equity, Debt, Hybrid, and Liquid fund AUM distributed, paid from AMC portfolio expenses (SEBI-capped at 1.5%–2.75%). The company does not charge customers directly for its tools or advisory; instead, it monetizes via distribution economics and referral commissions from adjacent services — insurance comparison and purchase through a partnership with PolicyAnchor, and loan advisory across home, loan-against-securities, and business loans. The workforce is eight employees, supporting a multi-office footprint and a long-tail of retail SIP/lumpsum transactions.

Nayakfin operates as an independent, privately held entity with no disclosed venture capital, private equity, or parent-company affiliation, no patents or trademarks beyond the brand mark, and no recognized industry awards. There is no mobile app, no API, no disclosed AI/ML capabilities, and the proprietary technology base is shallow — the platform's differentiators are content (knowledge center, rule-of-thumb calculators) and a hybrid self-serve/advisory model rather than proprietary IP. Customer evidence is limited to three named individual testimonials and a small portfolio of unnamed NRI clients, with no enterprise or institutional customers on record.

Name

Nayakfin

Legal name

Nayak Fin

Website

https://nayakfin.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Nayakfin is an India-based, SEBI-registered (ARN-62769) online mutual fund distribution platform that serves individual retail investors and NRIs through goal-based planning tools, SIP/lumpsum transactions, and referral partnerships for insurance and loans, earning trail commissions from AMCs.

Ownership category

akta.pro rank

Product category

Mutual Fund Distribution

NAICS

Open-End Investment Funds (525910)

SIC

Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Sub-Accounting & Platform Servicing (Omnibus, Intermediary/NSCC, Retirement Platforms) (FSAAAMAI)

Keywords

• Mutual fund distribution
• Goal-based financial planning
• SIP investment platform
• NRI investment services
• Tax-saving mutual funds

Headquarters

HQ city

Faridabad

HQ country

India

HQ region

Asia

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mutual Fund Distribution Commission: Nayakfin earns trail commission as a mutual fund distributor. Commission rates range from 0.5% to 1% for Equity, Debt, Hybrid, and Liquid funds, paid from portfolio expenses charged by Asset Management Companies (AMCs). The company is registered as a mutual fund distributor with ARN-62769.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Nayakfin operates as a SEBI-registered online mutual fund distribution platform (ARN-62769) that distributes equity, debt, hybrid, and liquid mutual fund schemes from various Asset Management Companies (AMCs) to individual retail investors and NRIs across India. The platform supports both SIP and lumpsum investment modes and bundles goal-based financial planning tools covering life milestones such as child education, marriage, retirement, home, car, and vacation. In addition to core mutual fund distribution, Nayakfin offers tax-saving solutions through ELSS funds, insurance comparison facilitation, and loan advisory services as complementary offerings.

Product overview

Nayakfin operates as a mutual fund distribution platform (ARN-62769) offering a comprehensive suite of investment and financial planning services. The core offering is an online mutual fund investment platform supporting SIP and lumpsum investments across multiple fund categories including equity funds (Large Cap, Mid Cap, Small Cap, Multi Cap, Thematic), debt funds (Liquid Funds, Long-term Debt), and hybrid funds (Conservative Hybrid). The platform is complemented by goal-based financial planning tools for specific life milestones (child education, marriage, retirement, wealth, vacation, car, home), tax-saving solutions through ELSS funds, insurance comparison services via PolicyAnchor integration, loan advisory services, and specialized NRI investment guidance. Additional tools include various calculators (SIP, Lumpsum, Retirement), a Quick Invest feature with risk-profile-based scheme baskets, and a portfolio tracker for existing clients. The technology infrastructure is powered by ARM Fintech Consultants.

Differentiator

Problem solved

Functional benefit

Products and services

• Mutual Fund Investment Platform SEBI-registered (ARN-62769) online mutual fund distribution platform that enables individual retail investors and NRIs to invest across equity, debt, hybrid, and liquid fund categories via SIP and lumpsum modes through BSE and NSE NMF transaction platforms.
• Goal-Based Financial Planning Structured financial planning service that maps specific mutual fund investment strategies to personal life milestones such as child education, child marriage, retirement, dream home, first car, and vacation planning for individual retail investors.
• ELSS Tax Saving Solutions Equity Linked Savings Scheme (ELSS) mutual fund distribution under Section 80C with a 3-year lock-in period, providing retail investors with tax-saving benefits alongside potential market-linked equity returns.
• Insurance Services Insurance comparison and purchase facilitation service for term insurance, health insurance, bike insurance, and car insurance, delivered through a referral partnership with PolicyAnchor and earning Nayakfin referral commissions.
• Loan Advisory Services Loan advisory service covering home loans, loans against securities, and business loans, helping customers identify the best interest rates across partner banks.
• NRI Investment Services Specialized investment advisory for Non-Resident Indians (NRIs) and Persons of Indian Origin (PIOs) seeking to invest in Indian mutual funds, covering FEMA regulations, NRI taxation rules, investment options under the FDI route, and the Portfolio Investment Scheme on a repatriable and non-repatriable basis.

Quantifiable outcome

• SIP investments can be started with as little as Rs. 1000/month
• +1 more outcomes

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

Integration3 records

Partnerships

One partnership is on record.

• PolicyanchorminorChannel Partner/ Reseller/ DistributorInsurance distribution partnership for term insurance, health insurance, bike insurance, and car insurance products. Nayakfin refers customers to Policyanchor for insurance comparison and purchase, earning referral commissions.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Kuvera: Kuvera is an independent, direct mutual fund distribution platform in India that popularized direct plans and goal-based investing with a similar content- and tools-led online funnel. Closely comparable as a fee-only, content-driven MF distributor with overlapping product set.
• ETMONEY (Times Internet): ETMONEY is an Indian financial product aggregator and mutual fund distribution app offering MF investing alongside loans and insurance — closely comparable product mix and customer segment to Nayakfin, with stronger media-house brand pull.
• Scripbox: Scripbox is an Indian online wealth management and direct mutual fund distribution platform emphasizing curated, risk-profile-based fund selection. Closely aligned to Nayakfin's risk-basket approach and similar fee model.
• Groww: Groww is India's largest direct-to-consumer mutual fund and stockbroking platform with a similar digital fund selector, calculators, and goal-based investing surface targeting retail investors. Directly comparable online distribution model and target customer, but at vastly greater scale and brand reach.
• Paytm Money: Paytm Money is a SEBI-registered investment platform distributing mutual funds and stocks to retail investors through a mobile-first app. Direct overlap on mutual fund distribution channels and customer persona, backed by Paytm's payments distribution advantage.
• NJ India Invest (NJ Wealth): NJ India Invest is one of India's largest traditional mutual fund distributors with a partner-led network selling MFs and insurance to retail investors. Comparable business model (SEBI-registered distribution with commission revenue) and similar product breadth including insurance cross-sell.
• INDmoney (INDwealth): INDmoney is an Indian wealth-management super-app offering mutual fund distribution alongside stocks, FDs, loans, and insurance. Highly comparable product breadth (MF + insurance + loans) and customer base to Nayakfin, but at venture-funded scale.
• FundsIndia (Aditya Birla Capital): FundsIndia is a long-standing Indian online mutual fund distribution platform offering MF investing, insurance, and financial planning to retail investors. Directly comparable as a SEBI-registered distributor with a similar product breadth and customer mix.

Broad incumbents

• MyCAMS / CAMS (Computer Age Management Services): MyCAMS is the investor-services portal of CAMS, the largest registrar and transfer agent for Indian mutual funds. Comparable as the dominant transaction-platform layer for MF investors, enabling onboarding and transactions across AMCs — overlapping distributor-adjacent functionality.

Emerging players

• iFast Financial India: iFast Financial operates a transnational investment platform with an India presence enabling mutual fund and other investment distribution to retail and NRI investors. Comparable as a digital, intermediary-led distribution platform targeting a similar retail-and-NRI audience.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/nayakfin

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 Nayakfin