We are not a SEBI Registered Investment Adviser.
Pinpointed investment advice requires SEBI Investment Adviser registration. We're working on it — our application is under review.
What we do
- Financial literacy: modules, stories, explainers
- AI-based money games, quizzes and simulations
- Analytics and insights on your own data
- Tracking of your money, accounts and goals
- Conversational ITR 3 & 4 filing
- AI agents for money admin: Tax Pilot, Scam Shield, reminders
What we don't do yet
- Recommend specific stocks or mutual funds
- Analyse your portfolio
- Build you a financial plan
- Tell you what to buy, or when
Nothing in the app is investment advice. You make your own decisions. Products you can buy through the app — digital gold, deposits, insurance, mutual funds — are distributed by Simplify Money Private Limited, an AMFI-registered mutual fund distributor.
The detail.
Are you a SEBI Registered Investment Adviser?
No, not yet. Our application is under review.
In practice that means we can help you learn about money, track your accounts and goals, show you analytics on your own data, and file your ITR. It also means we cannot tell you which specific stock or mutual fund to buy, analyse your portfolio, or build you a financial plan. Nothing in the app is investment advice — you make your own decisions.
Will Kuber.AI tell me which mutual fund or stock to buy?
No. Not until we are registered.
Kuber.AI will not name a specific stock or mutual fund for you to buy, and will not tell you how much to put where. It explains concepts, answers questions in plain language, and describes what is already happening in your own money.
What's the difference between guidance and advice?
Advice, in the SEBI sense, is someone telling you what to buy, sell or hold, or building you a financial plan around your situation. That is a regulated activity, and it needs a licence.
What we do is different. We explain how things work — what an index fund is, how the two tax regimes differ, why your credit card interest looks the way it does. We show you what your own numbers say. We track the goals you set.
Describing your situation is not the same as directing your money. The decision stays yours.
Which companies are behind Simplify Money?
Turvas Technology Solutions Private Limited owns the Simplify Money brand.
CIN: U62010UP2023PTC191807
Registered address: A-130, A Block, Sector 63, Noida 201301, Uttar Pradesh, India
A Government of India recognised start-up (DIPP153513).
Simplify Money Private Limited is a subsidiary of Turvas Technology Solutions Private Limited.
CIN: U66290UW2026PTC253434
Registered address: A-130, A Block, Sector 63, Noida 201301, Uttar Pradesh, India
AMFI-registered mutual fund distributor, ARN-363095.
Distribution of financial products sits with Simplify Money Private Limited. Where we distribute a product, that entity may earn a distribution commission from the product manufacturer. This does not change what you pay.
What about tax filing?
Tax filing sits under a separate regime and is unaffected by the above. Tax Pilot files your ITR 3 and ITR 4 by conversation: it pulls your Form 16, AIS and 26AS from the income tax portal, you confirm, and it files. That is a tax compliance service, not investment advice.
How do I raise a grievance?
Write to hello@simplifymoney.in and we will acknowledge it. For general queries, hello@simplifymoney.in reaches the team.
Postal: Turvas Technology Solutions Private Limited, A-130, A Block, Sector 63, Noida 201301, Uttar Pradesh, India.