Deciml

Deciml is a fintech startup specializing in micro-investing solutions. Headquartered in Pune, India, Deciml operates in the financial services industry, focusing on making investments accessible and habitual for young Indians. The company primarily targets the 21-27 years age group, aiming to increase investment penetration in India.

Core Products and Services

Deciml offers a micro-investing app that automatically rounds up users' online transactions and invests the spare change in mutual funds or fixed-income assets. The platform provides three main investment options:

• Round-Up Investing: Automatically rounds up transaction amounts to the nearest 10 and invests the difference.

• Daily Investment: Allows users to set a daily investment amount deducted from their bank accounts.

• One-Time Investment: Enables users to invest any amount at their discretion.

Unique Value Proposition

Deciml's unique value proposition lies in its ability to make investing easy, automated, and accessible to everyone, especially young Indians who are tech-savvy but have limited investment experience. By leveraging the principle of compounding, Deciml helps users build a significant corpus over time through small, regular investments.

Business Model & Revenue Streams

Revenue Generation

Deciml primarily generates revenue through commission-based models on the investments made through its platform. The company earns a percentage of the investment amount as fees for facilitating these transactions.

Primary Revenue Sources

• Commission on Investments: Deciml earns commissions on the mutual fund investments made by users.

• Potential Additional Services: Future revenue streams could include offering premium services or financial products to users.

Monetization Strategies

• User Acquisition: Deciml focuses on acquiring new users through targeted marketing campaigns and partnerships.

• Product Enhancement: The company continuously improves its app to enhance user experience and increase engagement.

User Segmentation

Deciml primarily targets the B2C market, focusing on young individuals aged 21-27 who are active in digital transactions but have limited investment experience.

Growth Strategy

• Market Expansion: Deciml aims to expand its user base across India, targeting new demographics and increasing its market share.

• Product Innovation: The company plans to enhance its platform by integrating new features and investment options.

• Partnerships: Strategic partnerships, like the one with Jainam Broking, help Deciml leverage expertise and expand its offerings.