One product. One structure. Mutual funds inside an irrevocable trust, locked until your child turns 21. Free to create. 21 years of ITR filing included. Family can contribute with a link. The child learns as it grows.
No tiers. No upgrades. No confusion. Here is everything Trust Fund Baby does — and does not do.
Every Indian parent intends to invest for their child. Most never do. Not because they lack money — but because the complexity of the right structure becomes a reason to delay. Three years pass. The intention is intact. The compounding is not.
The irrevocable trust is not a new idea. Wealthy Indian families have used it for generations. A separate legal entity. A ring-fenced corpus. Money that belongs to the child — untouchable by creditors, divorce settlements, or the parents' worst financial year.
Trust Fund Baby automates everything that was previously expensive and slow: the trust deed, the e-stamp paper, the Trust PAN, the annual ITR filings. Done in 10 minutes. Free. And then it does two more things nobody else does: it lets your entire family contribute to the corpus as gifts — and it educates your child about money from the age of 13, so they know what to do with it at 21.
One product. No upsells. The structure that works — available to every parent who decides today.
Minimum SIP is ₹5,000/month. Returns are market-linked and not guaranteed. Historical large-cap equity CAGR in India over 15+ year periods: 10–15%.
Anyone — grandparents, uncles, family friends — can contribute to your child's trust fund as a gift. No account. No fees. Just a link. The contribution compounds for 21 years. The child sees it at 13. They never forget it.
Something like trustfundbaby.in/gift/aarav — generated instantly from your dashboard and shareable via WhatsApp in one tap.
UPI, card, or netbanking. Under ₹50,000: name and relationship only. At or above ₹50,000: PAN required under PMLA rules. That is the only restriction.
A digital certificate with their name, amount, and personal message. Printable, frameable. The child reads it on their dashboard at 13 — with every contributor's message preserved.
They watch the corpus grow. They see every contributor. They learn how money works — so that when they receive it at 21, they know exactly what to do with it.
This is not a policy. It is the legal structure of the trust deed. We state it in full so there are no surprises — ever.
These are the conversations that happen after the trust goes live. Not pitches. Not reviews. Moments.
We earn trail commission from AMCs. When your child's trust invests in a mutual fund, the AMC pays us a trail commission — typically 0.5–1% per year of the AUM in that fund. Paid by the AMC, not by you. You pay ₹0 to create the trust and ₹0 in platform fees.
We disclose this because it matters. We have a commercial incentive for the AUM in your child's trust to grow. We will never recommend a fund based on the commission it pays us. We earn more when the corpus grows — regardless of which fund it is in.
The one fee you might pay: If a withdrawal or redemption occurs in any year, a ₹5,000 ITR filing fee applies for that year. In all other years, ITR filing is included free — because it is a nil return and it should not cost you anything.
The business model works because of irrevocability. A customer who starts a trust and stops contributing after one year still has a live trust that we service for 21 years. That is the product design — and the reason we can offer it free to start.
Financial wisdom written plainly. No jargon. No product pitches dressed as education. Just what you need to know.
Three years late costs your child ₹18 lakhs. The start is free. The minimum is ₹5,000/month. The structure is legally sound. The only variable is when you decide.
Mutual fund investments are subject to market risks. Returns are not guaranteed. This website does not constitute financial or legal advice.