How are we solving the problem?

The Nivvesh way to make traditional investing modern, simple, and inclusive

A Complicated System Hides Behind Simple Choices

If you've ever tried to open a fixed deposit at a new bank, you probably know the drill:

  • Visit a branch
  • Submit ID proofs
  • Fill out forms (again)
  • Wait for confirmation
  • Hope the returns promised are actually what you get

For something that's supposed to be simple, the process can feel anything but.

Now imagine this experience across 10 different banks and NBFCs — just to compare who offers the best FD rates. You'd need a spreadsheet, a few hours of calls, and probably a lot of patience.

That's exactly the kind of inefficiency we're solving at Nivvesh.

We Started by Asking: What Shouldn't Take This Long?

For millions of people, FDs, RDs, and Gold are the preferred choices for growing wealth. But the friction involved in accessing, comparing, and managing these options has discouraged even the most financially aware users.

We asked ourselves: What if all of this could happen in a few taps? And then we built it.

The Nivvesh Solution: Simplicity, Aggregation, and Trust

Nivvesh isn't just an app — it's a complete rethink of how trusted financial instruments should be accessed. Here's how we solve the problem:

1. FD Comparison, Done Right

We created a live marketplace of Fixed Deposits from:

  • Public & Private Sector Banks
  • Small Finance Banks (like Suryoday, Unity)
  • Trusted NBFCs

Users can:

  • Instantly compare FD interest rates
  • Filter by tenure, return type, or institution
  • Open an FD directly — no branch visit, no paperwork

And yes, it's RBI-regulated and 100% safe.

2. Goal-Based Recurring Deposits

Traditional RDs are often just "set and forget" instruments. We make them smarter:

  • Create RDs for specific goals (e.g. school fees, a vacation, a medical buffer)
  • Set target amounts and timeframes
  • Get nudges and insights if you're behind or ahead of your goal

It's your long-term savings, made personal.

3. Digital Gold That Actually Works for You

With Nivvesh, digital gold isn't just about buying grams online. It's about:

  • Planning gold purchases for weddings or festivals
  • Pausing or editing plans anytime
  • Getting best prices from verified gold providers

We've made gold work like a smart SIP, but with flexibility and emotional value.

4. Smart Recommendations – Powered by You

Coming soon: Nivvesh will begin offering AI-driven suggestions based on:

  • Your goals
  • Time horizon
  • Risk preference (low-risk only)
  • FD rate trends and breaking charges

So instead of asking what to choose, you'll see what works best for your situation — with complete transparency.

5. Unified Dashboard for Peace of Mind

No more logging into 5 different portals. Nivvesh gives you:

  • A single dashboard to view all your FDs, RDs, and gold investments
  • Track maturity dates, returns, and total net value
  • Set reminders or auto-renew plans in one tap

It's like a control panel for your stable wealth.

Our Engineering Focus: Secure, Scalable, and Personal

Under the hood, we've built Nivvesh to be:

  • API-driven, for real-time integration with banks and NBFCs
  • End-to-end encrypted, so your data stays yours
  • Mobile-first and ultra-light, designed for Bharat's mobile realities

But most importantly, everything is personalized to your style of saving — not someone else's investment theory.

SEO Snapshot

Looking for the best FD platform in India? Nivvesh offers a real-time FD rate comparison and instant digital booking experience.

Need help planning RDs and gold for long-term goals? Use our automated saving tools to track progress and stay in control.

Want AI-based FD suggestions and portfolio management? Nivvesh is building smart tools to guide low-risk investors with confidence.

We're Not Fixing a Niche. We're Fixing the Norm.

The idea of "problem-solving" in fintech has often been skewed toward flashy solutions and buzzwords.

At Nivvesh, solving the problem means making the normal investor experience finally feel normal. Effortless. Honest. Understood.

If that's the kind of simplicity you've been waiting for — welcome to Nivvesh.