Lyfafa Join waitlist

Cash gifts get spent. This one grows.

Lyfafa turns birthday and shagun money into a mutual fund in your child's name — sealed with your message, opened at 18.

Join waitlist

A maroon shagun envelope sealed with a golden marigold wax seal
  • Units in the child's name
  • SEBI-regulated funds
  • UPI or netbanking
  • KYC once, in minutes

The same ₹501, two very different fates.

In a lifafa

  • Spent by Monday.
  • No name on it.
  • Your note, thrown out with the envelope.
  • They'll never know it was you.

In a Lyfafa

  • Invested by Monday.*
  • The child's name on it, officially.
  • Your note, sealed till they turn 18.
  • At 18, they read who gave what, and why.

*Mutual fund investments are subject to market risks. Returns are not guaranteed. Try the numbers yourself in the calculator below.

See what a gift could grow into.*

Move the sliders — the rate is your assumption, not our promise.

₹2,000 / month
7.0% / year

₹6,37,622

could be worth when they turn 18 · at the rate you set

You would give ₹3,60,000 in total. Time adds the other ₹2,77,622.

Illustration at an assumed rate you chose. Mutual fund investments are subject to market risks. Returns are not guaranteed.

Monthly SIPs are for parents and grandparents — why.

Four steps. About three minutes — after your one-time KYC.

  1. Choose amount & fund

    ₹501 works

  2. Write or record your message

    the words cash never keeps

  3. Pay by UPI or netbanking

    ✓ paid · KYC once

  4. At 18, they open everything

    folio + every message

See the full journey, including KYC →

Not a cash lifafa. A Lyfafa.

Not ours, not yours, nor any drawer's.
Theirs from day one.

Which one are you?

Parents open it, and everyone who loves them fills it.

A young mother and father leaning together, looking down fondly

Papa & Mumma

  • You open your child's Lyfafa. Everything begins with you
  • The money sits in their name from day one
  • The whole family gets one place for their shagun

monthly SIP + one-time gifts

A grandfather in round spectacles and a grandmother in a maroon pallu, smiling together

Dada-Dadi & Nana-Nani

  • The shagun you'd press into their palm, invested in their name
  • Your blessing sealed till they turn 18
  • Gift on birthdays, or set a monthly SIP of your own

monthly SIP + one-time gifts

A brother showing the rakhi on his wrist beside his laughing sister

Chacha, Bua, Mama, Masi

  • A one-time gift by UPI, your note sealed inside
  • No account of your own to manage
  • The lifafa that doesn't get spent by Monday

one-time gifts · even from Dubai

SEBI permits monthly SIPs into a child's folio only from parents and grandparents. Everyone else gifts one-time, by UPI or netbanking, after a one-time KYC. NRI details.

Every gift remembered. Every giver named.

Names and amounts are illustrative.

The questions everyone asks first.

What if we need the money before 18?

The guardian can redeem before 18 — the money goes to the child's bank account, nobody else's. The messages stay sealed till 18 either way.

Why UPI or netbanking only?

SEBI rules — and that's by design. Mutual fund gifts move straight from a bank account that can be traced to the giver. The full reason is in the FAQ.

Does my child need a demat account?

No. Mutual fund units sit in a folio in your child's name — no demat needed. You need the child's birth proof or Aadhaar and a minor bank account, plus your own one-time KYC. Full list in the FAQ.

Which funds? Who picks?

Curated, plain fund categories — for example index funds. We never push a particular scheme. How selection works is on the FAQ page.

All ten honest answers →

What will your gift be worth when they turn 18?*

Your envelope is reserved.

A lifafa carries feelings, not just money — and you're trusting us with both. That means everything to us. We'll write to you the moment Lyfafa opens.

शुभ आरंभ।

UPI or netbanking · one-time KYC · SEBI-regulated funds

*Mutual fund investments are subject to market risks. Returns are not guaranteed.