Gift something that grows.

Cash gets spent. Hampers get eaten. Appliances age. A Moi Circle gift is a real financial asset, held in their name and growing for years.

Start with a gift. Grow it into your whole investment portfolio.

Get early access See what you can gift →

01Gifta first asset
02InvestSIPs and more
03Net worthevery account
04Guidewith Iris

Moi Circle in 2 minutes

Same gift. Same day.

What’s left after 10 years?

01 · Regular giftsUsed up, outdated or locked away

Cash in an envelope

Spent

Hamper & mithai

Eaten in days

Toy or appliance

Scrap

Physical gold

Locked away, same weight

Gone, or worth what it was on day one.

02 · Moi Circle giftA real asset that grows

Gift day

+ grown

10 years later

Inside the giftGoldMutual fundsStocks & ETFs

Held in their name, growing for years.

Illustrative, not a promise. Investment values can go up or down.

Try it. Nothing is charged.

Gift a financial asset in three taps.

Pick who it’s for, pick what grows, pay. It’s bought in their name, and they unwrap it on their phone.

One consent, one view

Your family’s whole financial health. One picture.

With your consent, India’s Account Aggregator brings every account, policy and loan into one view: the whole family’s financial health, in one place, with nothing to type.

Today · a dozen apps and portals

SavingsBank app

Mutual fundsMF portal

Stocks & ETFsBroker app

PF & NPSEPFO portal

InsuranceInsurer app

Loans & cardsCard app

GoldGold locker

PropertyPapers at home

Account
Aggregator

With your consent

Family financial health

YouPaMaKid

Net worth

₹32 L

Property

Mutual funds

PF & NPS

Stocks

Savings

Gold

InsuranceHealth gap

Term life₹1.5 Cr

Health₹10 L · renews 12 Mar

Cover vs needMostly covered

LoansManageable

Home loan left₹21.45 L

EMI₹22,000 / mo

Repaid14 yrs to go

Credit cardsPay down

Outstanding₹55,000

Interest≈ ₹1,900 / mo

Limit used2 cards

Illustrative example. One consent for the whole family; revoke any time.

Your family’s guide

Iris.

The newest member of your family.

Iris knows your circle by name: who gifted whom, whose policy renews next, whose SIP slipped. It looks out for every one of you, speaks up before you ask, and acts only on your yes.

Watches

Every account, loan and policy.

Reasons

Connects markets to your money.

Speaks up

Plain words, before you ask.

Acts on your yes

Never moves money without approval.

Illustrative day. Iris is an AI and says so. Some abilities switch on only after the right approvals and your consent.

Who is building it

The Team

Hari Vijay Bandaru

Co-founder & CEO

Wealth. Twenty years in Indian wealth: Axis, 360 ONE, Citi, ICICI.

Siddharth Patnaik

Co-founder & CTO

Technology. Tech executive, most recently CTO at Paytm. Earlier VP Engineering at Upstox.

Siddhartha Durairajan

Co-founder

Serial entrepreneur. Co-founded Cellestial, the world’s first e-tractor company, acquired by the Murugappa Group.

Ram Ramseshan

Co-founder

Serial entrepreneur. Founded a product-engineering company; builds and scales engineering teams.

Early access

Give a gift that’s still there years from now.

We’re running a small concierge pilot. Join the waitlist and we’ll bring you in.

Illustrative examples on this page use sample figures. Not every asset shown is available yet. Some Iris abilities depend on regulatory approvals.