Last Updated: 14 June 2026

baby.money is operated by Fluential Wealth Technologies Private Limited, having its office at 10th Floor, Building 4, NESCO IT Park, Goregaon East, Mumbai, Maharashtra - 400097. For support and grievances, you may write to support@fluential.com. The Grievance Officer is Aabhas Tripathi.

baby.money is a digital platform intended to help parents and lawful guardians plan and invest for a child’s future through mutual fund products and related digital journeys. The Platform may help users create child accounts, discover mutual funds, start SIPs, make lump sum investments, track portfolios, set goals, use calculators, view statements, set mandates, receive reminders, download documents, use educational content and access related services.

Where applicable, Fluential Wealth Technologies Private Limited acts as a mutual fund distributor. ARN: 357176. Mutual fund transactions made through the Platform may be routed under Regular Plans unless specifically stated otherwise. Regular Plans involve distributor commission paid by the relevant asset management company to the distributor. Such commission is generally embedded in the scheme expense structure as permitted under applicable regulations. Direct Plans may be available through AMCs or other permitted platforms and may have a different expense ratio.

The Company may receive trail commission, upfront commission where permitted, transaction charges where permitted, marketing support where permitted, platform support, distribution remuneration or other lawful consideration from AMCs or partners. Any commission or distributor disclosure required under applicable law, SEBI regulations, AMFI guidelines or industry practice shall be made available through the Platform or other appropriate channels.

baby.money is not an AMC, mutual fund, trustee company, registrar and transfer agent, bank, payment bank, KYC Registration Agency, central KYC agency, clearing corporation, tax advisor, legal advisor, research analyst, portfolio manager or investment advisor. The Platform does not provide personalised investment advice, legal advice, tax advice, accounting advice, estate planning advice or financial planning advice unless the Company separately obtains and discloses an applicable registration for such service.

Any fund display, scheme information, educational material, calculator, projection, comparison, illustration, badge, notification, content, child goal estimate, future cost estimate, investment journey, social share asset, milestone card, certificate or communication on the Platform is provided for general information, education, distribution support, user convenience or transaction facilitation only. It should not be treated as a recommendation, assurance, guarantee or personalised advice.

Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. Investment values may go up or down depending on market movements, interest rates, credit events, liquidity conditions, inflation, scheme performance, taxation changes, regulatory changes, fund manager decisions, macroeconomic developments and other factors.

No return, capital protection, liquidity, child goal achievement, education funding sufficiency, wealth creation, tax benefit, admission outcome, scholarship outcome, career outcome, financial result or future corpus is guaranteed by baby.money, Fluential Wealth Technologies Private Limited, any AMC, RTA or partner. You may lose part of the invested amount.

Before investing, you should read the Scheme Information Document, Statement of Additional Information, Key Information Memorandum, factsheet, risk-o-meter, benchmark details, expense ratio, exit load, portfolio disclosure, addenda, taxation information and other scheme-related documents. Official scheme documents and AMC/RTA records shall prevail over any Platform display or summary.

All calculators, goal planners, future value estimates, education cost estimates, SIP illustrations, dream cost estimates, inflation estimates and corpus projections are illustrative only. These outputs depend on assumptions such as expected return, inflation, investment amount, tenure, frequency, tax, expense ratio and market conditions. Actual outcomes may differ materially.

Applicable NAV is determined in accordance with applicable law, SEBI rules, AMFI guidance, AMC/RTA rules and scheme terms. Submission of an investment instruction on the Platform before a cut-off time does not guarantee same-day NAV. Allotment may depend on valid application submission, time stamping, applicable cut-off, realisation of funds, business day status, payment mode and operational processing. Payments received or realised after the applicable cut-off may receive a later NAV.

Payments may be facilitated through banks, UPI, net banking, payment gateways, NACH, eNACH, UPI AutoPay, mandates, clearing systems or other permitted channels. Payment success shown by a bank, UPI app or payment app does not necessarily mean that mutual fund units have been allotted. Allotment is subject to transaction acceptance and fund realisation.

Investments in the name of minors are subject to applicable SEBI, AMFI, AMC, RTA, KYC, banking, payment and operational rules. A minor may be required to be the sole holder of the folio and represented by a natural guardian or lawful guardian. Proof of date of birth, relationship, guardianship, guardian KYC, bank verification and other documentation may be required. Payments and redemptions for minor folios shall be processed only in the manner permitted by applicable rules and accepted by the relevant AMC/RTA.

Upon the minor attaining majority, further transactions may be restricted until required formalities such as majority conversion, KYC, signature update, bank update, declarations and documentation are completed. SIPs and other systematic transactions may be stopped, suspended or restricted upon the minor attaining majority.

Portfolio values, transaction history, units, NAVs, gains, losses, XIRR, CAGR, folio details, SIP details, mandate status and statements shown on the Platform may be sourced from AMCs, RTAs, exchange systems, transaction records, CAS feeds, user inputs, partner APIs or other systems. Such data may be delayed, incomplete, duplicated, temporarily unavailable or inaccurate. Official AMC/RTA statements and records shall prevail.

The Platform may provide educational content, fund information, interviews, articles, videos, child future planning content, certificates, milestone cards, badges, stickers, welcome kit material, share cards and downloadable assets. These are for information, education, engagement or convenience. They do not create any legal entitlement, guaranteed return, AMC obligation, scheme benefit or financial assurance.

Referral, gifting, contribution, campaign, reward or welcome kit features, if available, are subject to eligibility, verification, compliance checks, fraud checks, partner availability, applicable law and campaign terms. Any benefit provided under such features is not an investment return, interest, guaranteed income or scheme benefit.

The Platform may be unavailable or affected by maintenance, upgrades, outages, cyber incidents, partner failures, regulatory restrictions, bugs, network issues, payment failures, AMC/RTA downtime, bank delays, force majeure events or operational reasons. baby.money does not guarantee uninterrupted, error-free, real-time or always-available access.

The Company is not responsible for investment losses, market losses, NAV differences, loss of opportunity, tax consequences, payment failures, mandate failures, delayed transactions, rejected transactions, third-party failures, data display errors, platform downtime, unauthorised access caused by user negligence or decisions taken by the user based on Platform content.

The Company does not provide tax advice. Investments, redemptions, switches, dividends, capital gains, gifts, contribution flows, clubbing provisions, TDS, stamp duty, surcharge, cess and other tax matters may apply depending on your facts and applicable law. You should consult a qualified tax advisor before investing, redeeming, gifting or contributing for a minor.

For complaints, grievances or support requests, you may contact Aabhas Tripathi, Grievance Officer, at support@fluential.com, or write to Fluential Wealth Technologies Private Limited, 10th Floor, Building 4, NESCO IT Park, Goregaon East, Mumbai, Maharashtra - 400097. For mutual fund transaction-related grievances, the Company may coordinate with AMCs, RTAs, banks, payment partners or other service providers. If you are not satisfied with the resolution, you may use applicable investor grievance routes including AMC/RTA grievance channels, SEBI SCORES and SMART ODR where applicable.