Lyfafa Join waitlist

Cash gifts get spent. This one grows.

Lyfafa turns birthday and shagun money into a mutual fund in your child's name — sealed with your message, opened at 18.

Join waitlist

A dark shagun envelope sealed with a maroon wax seal
  • Units in the child's name
  • SEBI-regulated funds
  • UPI or netbanking
  • KYC once, in minutes

You already know what happens to cash shagun.

spent by Monday
no name on it
your note, thrown out

A Lyfafa is invested in the child's name, your words sealed till 18.*

*Mutual fund investments are subject to market risks. Returns are not guaranteed. Try the numbers yourself in the calculator below.

See what a gift could grow into.*

Move the sliders — the rate is your assumption, not our promise.

₹2,000 / month
7.0% / year

₹6,37,622

could be worth when they turn 18 · at the rate you set

You would give ₹3,60,000 in total.

Illustration at an assumed rate you chose. Mutual fund investments are subject to market risks. Returns are not guaranteed.

Monthly SIPs are for parents and grandparents — why.

Four steps. About three minutes — after your one-time KYC.

  1. Choose amount & fund

    ₹501 works

  2. Write or record your message

    the words cash never keeps

  3. Pay by UPI or netbanking

    ✓ paid · KYC once

  4. At 18, they open everything

    folio + every message

See the full journey, including KYC →

Not a cash lifafa. A Lyfafa.

Not ours, not yours, nor any drawer's.
Theirs from day one.

Everyone can give. Two ways in.

Every month

SIP · parents & grandparents only — SEBI's rule

Papa & Mumma₹2,000 / month
Nana & Nani₹500 / month

auto-invests on the 12th, every month

On the occasion

Lumpsum · everyone else, anywhere

birthdays Rakhi Diwali weddings from Dubai →

NRI details

Every gift remembered. Every giver named.

Names and amounts are illustrative.

The questions everyone asks first.

What if we need the money before 18?

The guardian can redeem before 18 — the money goes to the child's bank account, nobody else's. The messages stay sealed till 18 either way.

Why UPI or netbanking only?

SEBI rules — and that's by design. Mutual fund gifts move straight from a bank account that can be traced to the giver. The full reason is in the FAQ.

Does my child need a demat account?

No. Mutual fund units sit in a folio in your child's name — no demat needed. You need the child's birth proof or Aadhaar and a minor bank account, plus your own one-time KYC. Full list in the FAQ.

Which funds? Who picks?

Curated, plain fund categories — for example index funds. We never push a particular scheme. How selection works is on the FAQ page.

All ten honest answers →

What will your gift be worth when they turn 18?*

Your envelope is reserved.

A lifafa carries feelings, not just money — and you're trusting us with both. That means everything to us. We'll write to you the moment Lyfafa opens.

शुभ आरंभ।

UPI or netbanking · one-time KYC · SEBI-regulated funds

*Mutual fund investments are subject to market risks. Returns are not guaranteed.