Mutual funds in your child's name

Invest in your child's name, not just for them

Open a mutual fund folio that belongs to your child. You manage it until they turn 18, and then it's theirs.

Join the waitlist

Going live soon. Waitlist members get access first.

Mutual fund investments are market-linked and subject to applicable regulations. Taru does not guarantee returns.

Where the money sits changes what happens to it

The education fund in your own account is the easiest place to borrow from, because it's only an education fund in your head.

In your name
  • Gets borrowed from when something comes up
  • Sits in one pot with every other goal
  • Becomes theirs if you decide to give it
In their name
  • Withdrawing takes a deliberate decision
  • Tied to one goal, for one person
  • Theirs from the first instalment

Two apps that work together

You use one, your child uses the other.

Your app

Open the folio, set the SIP

  • No PAN needed for your child. Their birth certificate and your KYC is enough.
  • Pick a goal and an amount. From ₹500 a month.
  • Pause, increase or stop any time. Runs on your bank mandate.
  • You choose what your child sees. The full amount, or only the progress.
Your child's app

Coins for chores, tasks and learning

  • Chores and tasks you set. Finishing them earns coins.
  • Short lessons, not a course. How investing works, why money grows, how to think about spending.
  • Coins add up. Effort becomes something they can see.
  • Their own view of the investments. At the level of detail you've chosen.

You could do this elsewhere. Here's what's different.

Most apps let you open a minor folio. None are built around it.

  • One child, not one more holdingElsewhere your child's folio is a line item. Here it's the whole app.
  • Goals in your child's timelineNot ₹10 lakh in 12 years. College, the year Aarav turns 18.
  • Grandparents can add directlyNo account of their own, no routing money through you.
  • Your child gets an appNobody else will build one. For us it's the whole business.

Your child's money deserves clear answers

A few things worth knowing before you invest in a minor's name.

Taru never holds your money

Your SIP goes from your bank to the AMC. The folio sits with the AMC and its registrar, in your child's name. If Taru shut down tomorrow, the investments wouldn't be affected.

Free for parents

No subscription and no account fee. We earn a trail commission from the AMC, paid out of the fund's expense ratio rather than added to what you invest.

Who owns the investment?

Your child. The folio is in their name from the first instalment — not held for them, not promised to them.

Who manages it while they're a minor?

You do, as parent or guardian. Your KYC, your bank mandate. You can pause, increase or stop any time.

Where is the money invested?

In mutual fund schemes you choose, held by the AMC and its registrar. Taru is a distributor, not a fund.

What happens when they turn 18?

The folio becomes a regular account in their name after a KYC update. Nothing is transferred or gifted — they've owned it all along.

Does my child need a PAN card?

No. Their birth certificate, your PAN and Aadhaar, and your bank account details.

Who pays tax on the returns?

While your child is a minor, gains are added to your income and taxed at your slab. After 18, gains are taxed in their hands at their own slab, which for most young adults is lower.

The hardest part is starting

Join the waitlist and we'll tell you the day it opens.