4.9
Loved by new parents ❤️
Build your child’s future before they ask for it.
Start a dedicated investment for your child.
Built for disciplined and visionary parents.
Be ready for their moment.
The most expensive thing your child will ever own is a dream worth pursuing.
The best time to start paying for it is before either of you knows what it is.
baby.money
Because great dreams take time to fund.
Smart Investing
Built for parents
who think way ahead
Dedicated Child Accounts
Every child gets their own ring-fenced investment account. Legally in the child's name but under Guardian's custody. Clearly separate. No mixing. No confusion.
Turn Gift Money into Growth
When relatives gift money on birthdays or festivals, invest it in seconds. Right from the Baby.Money app. One tap. Their love becomes your child's legacy.
Tax Benefits, Fully Guided
80C deductions available while investing. Avail LTCG and STCG benefits due to dual account on redemption. We guide you at every tax touchpoint.
Designed for Parents
You don't need to be a finance expert. baby.money app makes it simple.
Fully Secured and Compliant
SEBI Regulated Products
AMFI Registered
SIP Flexibility
Invest systematically every month or drop a birthday or festival SIP every year. Top up your SIP or pause anytime.
Gifts & One-Time Top-Ups
Cash gifted by grandparents or relatives? Invest directly into your child's account and watch it grow over the years.
Higher Education and Marriage
The goals are years away. The SIP starts today. Baby.Money bridges the distance between right now and every milestone your child will celebrate.
Trusted Fund Partners
Parents who started early
Proud parents. Smart babies. Secure future.
FAQs
Got questions? Here are the answers.
What does it mean to invest through a baby.money account?
When you invest for your child from your own account, the money is in your name, managed by you, and is technically part of your own wealth. Investing in your child's name is structurally different: a separate mutual fund account is opened in your child's name, separate from your own investment account. You manage it entirely, you choose the funds, you may run the SIPs from your bank, you make every decision. But the account belongs to your child. After they turn 18, we'll complete a one-time onboarding process anytime you desire, including KYC verification to activate their account and pass it on to them from you.
Who controls the baby.money account while my child is under 18?
You do, as the parent/guardian. The account is in your child's name, but every decision sits with you: choosing funds, starting or stopping the SIP.
Which bank account is used for investments on baby.money?
By default when you are opening the child's investment account with us, your bank account funds your child's investments.
How do I withdraw money from my baby.money investment account?
Withdrawals from your baby.money investment account i.e. child's folio can only be credited to a bank account in your child's name. This gets you dual tax advantages once your child turns 18. However, you can withdraw anytime, You can withdraw available units anytime once the child's bank account is updated.
How is baby.money investment taxed?
While your child is under 18, any capital gains from this account are added to your income and taxed as per the applicable tax slabs for that fund type. In the year your child turns 18, capital gains from the month they turn 18 onwards are taxed in your child's income and taxed as per the applicable tax slabs for that fund type.
Do I need baby's PAN to open account on baby.money?
No. Your child's PAN is not required to open the account. Only your own PAN is mandatory. In the year your child turns 18, capital gains from the month they turn 18 onwards are taxed in your child's income and taxed as per the applicable tax slabs for that fund type.
Can only a parent open account on baby.money?
Either a parent (father or mother) or a court-appointed legal guardian can open and manage this account. If you're a legal guardian rather than a natural parent, you'll need the court order that formally names you as guardian.
If you can't find the answer or need help, email us at support@fluential.com
