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How it works
Cash takes a minute to hand over. This takes a few more — once.
The honest version of the whole journey: yours today, theirs at 18.
Your journey as the giver
Before your first gift: KYC, once.
About 10 minutes with your PAN and Aadhaar. Every giver does it once — SEBI requires it for anyone putting money into mutual funds, and we will not hide that.
After this, every gift takes about three minutes.
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Choose amount and fund.
Pick what you would have put in the envelope, and a fund from a short curated list of plain categories.
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Write or record your message.
A note or a voice message. It is sealed the moment you send it — nobody hears it before they do.
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Pay by UPI or netbanking.
Straight from your bank account. If your KYC is done, this is the quickest step.
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Done. Sealed till 18.
The gift shows up in the family ledger with your name on it. Then it waits.
Their journey: what turning 18 looks like
Two things happen on the day, and only one of them is about money.
- The folio becomes theirs. The mutual fund units were always in their name; at 18 the folio moves to their own control, with the fund house directly. Standard minor-to-major conversion — a form, their own bank account, their completed KYC.
- The envelopes unseal. Every message — written and recorded, from every giver over the years — opens for the first time. Dadi's note from the 5th birthday, in her words.
Cash shagun ends the day it is given. This one ends eighteen years later, on purpose.
Want to see the numbers?
The calculator lives on the home page — the only place we show them. Try what a gift could grow into →
What you need before starting
Stated up front, so nothing surprises you mid-flow.
For the child
- A bank account — a minor account works
- Birth certificate or Aadhaar
For the guardian
- PAN
- KYC (once)
For every giver
- PAN
- One-time KYC — about 10 minutes
The next shagun does not have to disappear.
UPI or netbanking · one-time KYC · SEBI-regulated funds