Stable money

Stable Money is a fintech startup revolutionizing the fixed-income investment landscape in India. Operates as a digital wealthtech platform focused on providing secure, long-term and stable returns through fixed-income assets. The company’s primary market is retail investors across India, with a growing user base that has surpassed 2 million registered users as of 2025.

Products & Services

• Fixed Deposits (FDs): Compare and invest in FDs from 200+ banks and NBFCs.

• Debt Mutual Funds: Access a curated selection of low-risk debt mutual fund options.

• Bonds: Invest directly in government and corporate bonds via a licensed digital platform.

• FD Laddering & Switch FD: Tools for portfolio balancing and easy switching between FDs.

• Break FD Feature: Flexible early withdrawal options for fixed deposits.

• Tax-Saving FDs: Invest in FDs that offer tax benefits under Section 80C.

• Credit Score Monitoring: Track and manage your credit score within the app.

• Upcoming Products: Loans against securities, digital gold and credit card offerings.

• Investor Education: Workshops, webinars and resources to help users make informed investment decisions.

Business Model & Revenue Streams

• Commissions from Partner Institutions: Earns commissions from banks and NBFCs for every fixed deposit, bond or debt mutual fund investment made through its platform. The more users invest, the higher the commission income.

• Management and Transaction Fees: Charges management fees for overseeing assets under management and transaction fees for executing trades or bookings on behalf of users.

• Premium Subscription Services: Offers advanced portfolio management tools, personalized investment advice and exclusive investment opportunities for a subscription fee.

• Advertising & Promotions: Generates revenue from banks and financial institutions that pay for featured listings or promotional placements targeting Stable Money’s investor base.

• Data Analytics Services: Provides anonymized investment trend data and analytics to partner institutions for product development and market insights.

• Cross-Selling Financial Products: Expanding into new offerings such as credit cards, loans against securities and gold investment products, earning additional commissions and fees.

• Investor Education & Workshops: Hosts educational events and workshops, generating revenue through sponsorships and ticket sales.

Customer Segmentation

• Retail Investors (B2C): The primary audience is individual investors seeking stable, low-risk returns and easy access to fixed-income products.

• Institutional Partners (B2B): Banks, NBFCs and other financial institutions listing their products on the platform and leveraging Stable Money’s distribution and analytics capabilities.

Growth Strategy

• Product Diversification: Adding new investment products such as bonds, gold and credit-based offerings to attract a wider investor base.

• Geographic Expansion: Scaling user acquisition across India, including tier-II and tier-III cities, through digital marketing and educational tours.

• Technology & Platform Enhancement: Investing in advanced digital tools, security and user experience to maintain a competitive edge.

• Regulatory Compliance: Securing licenses (such as OBPP) and ensuring adherence to evolving financial regulation.

• Partnerships: Expanding partnerships with more banks, NBFCs and financial service providers to broaden the product suite.