iKuber

iKuber Financial Services is a technology-driven digital financial marketplace that provides consulting, advisory, and distribution services across multiple asset classes. The platform connects customers with leading financial institutions to deliver comprehensive wealth management solutions through an integrated online interface.

Core Products & Services

• Mutual Funds Platform – Access to SIP and lump-sum investments across equity, debt, and hybrid schemes from top AMCs with advisory support for portfolio selection

• Life Insurance Products – Distribution of term plans, ULIPs, and protection covers from partners like HDFC Life (Click2Protect, Cancer Care)

• General Insurance Suite – Health, motor, travel, and home insurance policies with comparison tools and instant purchase options

• Loan Products – Home loans and business loans facilitation through partner banks and NBFCs with application tracking

• Corporate Fixed Deposits – High-interest corporate deposit schemes from rated financial institutions

• National Pension Scheme (NPS) – Retirement planning through NPS with tier-I and tier-II account management

• Financial Planning Tools – Goal-based calculators for retirement, education, and wealth accumulation planning

Business Model & Revenue Streams

Distribution-Led Financial Marketplace Model – iKuber operates as an aggregator platform partnering with 20+ leading financial product manufacturers (AMCs, insurers, banks) to provide one-stop financial solutions while earning through multi-layered commission structures

Primary Revenue Streams:

• Mutual Fund Trail Commissions – Ongoing commissions (0.05-2% of AUM) from AMCs for distributed mutual fund investments; scales with platform AUM growth

• Insurance First-Year & Renewal Commissions – Upfront and trail commissions from life and general insurance policy sales (15-35% first year, 5-10% renewals)

• Loan Referral & Processing Fees – Origination fees and referral commissions from home/business loan disbursements through partner lenders

• Advisory & Consulting Revenue – Fee-based wealth management consulting for HNIs and corporates seeking customized portfolio solutions

• Cross-Sell Commissions – Additional revenue from multi-product distribution (insurance+loans+NPS) within same customer journey maximizing lifetime value