Stop losing money to your bank's hidden FX fees. Stop juggling five apps to invest back home. Nivesh brings it all together — transfers, mutual funds, stocks, and fixed deposits, built for NRIs in the UK.
Every time you send money home or try to invest in India, you're fighting systems that weren't designed with NRIs in mind.
Your bank shows you one exchange rate but applies another. The difference — 3 to 4% — goes straight into their pocket. On £12,000 a year, that's £400+ gone silently.
You've got Wise for transfers, Zerodha for stocks, a separate mutual fund app, and a bank account to manage NRE/NRO. It's fragmented, confusing, and exhausting.
Should you use NRE or NRO? What's FEMA compliance? Can you repatriate your returns? Most platforms assume you already know. Most NRIs don't, and no one helps.
Banks don't just charge a transfer fee. They also apply a "spread" to the exchange rate — a hidden markup baked into the rate they show you. This is where most of your money disappears.
Mid-market rate is the real GBP/INR rate from forex markets. Banks give you much less.
Nivesh charges 0.5% flat — no hidden spread, no surprise deductions on arrival.
Transfers go to your NRE account — fully repatriable, tax-free in India, tracked automatically.
Invest directly from your transfer — send £500 and split it: ₹30K to family, rest into a mutual fund. One step.
Verify your identity online in minutes. We guide you through NRE/NRO account setup with your partner bank. No branch visits.
Send pounds via bank transfer or faster payment. We convert at our live rate and credit your NRE account in India within hours.
Send straight to family via UPI, or invest in Nifty funds, FDs, or stocks — all from the same dashboard, in one tap.
See your full India portfolio, transfer history, and returns in one place. Tax-ready summaries included.
As an NRI you can invest in Indian stocks, mutual funds, and fixed deposits — all through your NRE or NRO account. We make it as easy as any UK ISA.
Access India's top-performing equity and debt funds. Start with as little as £10 equivalent. SIP (monthly auto-invest) supported.
12–18% avg. returns (5yr) Risk: medium · SEBI regulatedNRE fixed deposits offer 6.5–7.5% annual returns, fully tax-free in India, and completely repatriable to the UK.
6.5–7.5% guaranteed Risk: low · Bank guaranteedBuy Nifty 50 stocks, sectoral plays, or small-caps via your NRE account under the RBI's Portfolio Investment Scheme (PIS).
Access 5,000+ NSE/BSE stocks Risk: high · Market linkedWe're building for British Indians first. Join the waitlist and get early access, better rates, and zero fees for your first 3 months.
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We'll email you as soon as early access opens. Tell a fellow NRI friend?