An irrevocable trust for your child, built on mutual funds

Start small. Set them up for life.

Put aside ₹100 a day for your child (SIPs start from just ₹100 a month), or invest a lump sum from ₹21,000. Free to open. When you want it locked for your child, the Deed makes it a legal, irrevocable trust. Plus a free money lesson every month from age 13 to 21: a blog, a video and a game.

A day is enough to start
₹100

A day is enough to start

To open Seed or Harvest
₹0

To open Seed or Harvest

Free lesson, age 13 to 21
1/mo

Free lesson, age 13 to 21

  • AMFI-registered, ARN-368678
  • Your money stays with the fund houses
  • A free lesson every month
Trust Fund BabyGrowing since day one.

₹100 a day (₹3,000 a month) to age 18

You put in ₹6.5L

₹23.0L

Illustrative value, assuming 12% a year

You put in ₹6.5LIllustrative ₹23.0L

Illustrative only, assuming 12% a year. Not a promise; mutual fund returns can be lower or negative.

Contributors

4 family members

NDMA
Three products, one story

Seed, Harvest, and Deed

Two ways to grow a corpus, and one way to lock it in for good. Scroll to move through each one — combine them as you need. Converting Seed or Harvest into a Deed is coming soon.

TFB SeedFor a parent with monthly income
Accumulation

Small, regular SIPs on your own PAN, tagged to your child. Pause or stop any time.

Entry

₹100/mo

TFB HarvestFor anyone with a lump sum
Decumulation

Invest once, then draw a monthly income from it for as long as it lasts.

Entry

₹21,000

TFB DeedFor a parent wanting protection and a plan
Protection & personalisation

A legally irrevocable trust with a payout plan you design once, on the website.

Entry

₹50,000

Simple process

How it works

Start free. Grow with the family. Lock it in whenever you're ready.

  1. 01Start a Seed or Harvest account5 minutes · free to open

    Start with ₹100 a day (a monthly SIP from ₹100 also works), or a lump sum from ₹21,000. Nothing is locked in yet — pause, change the amount, or withdraw whenever you need to.

  2. 02Family grows it with youOptional, any time

    Invite grandparents, aunts and uncles to contribute through a shareable link — no account needed on their side. Every name lands on your child's contributor wall.

  3. 03Lock it in with a Deed₹50,000 one-time · fully digital · opening soon

    When you're ready to make it permanent, a Deed creates a separate, irrevocable trust for your child. Pick a vesting age — 18, 21 or 25 — and a payout plan; trust PAN, e-stamping and e-sign are handled for you.

Interactive calculator

See what you put in, and an illustration of what it could become

Drag the sliders. What you put in is exact; the value at the end is only an illustration.

3000
₹100₹50,000
21
5 years90 years
12
7%15%

That's just ₹100 per day.

You put in over 21 years

₹7,56,000 (₹3,000 × 252 months)

Illustrative value after 21 years

₹34.2L

Illustrative only, assuming 12% a year. Not a promise; mutual fund returns can be lower or negative.

You put in ₹7.6LIllustrative gain ₹26.6L

vs PPF (7.1% fixed)

PPF would give

₹17.5L

Difference at 12%

+₹16.7L

Disclaimer

This calculator is for illustration only. The figures shown are not a projection, forecast, or promise of returns. They are calculated using the rate you choose, and actual returns from any mutual fund scheme will differ — they may be lower, and you may get back less than you invested.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not indicate future results. Comparisons with fixed-rate instruments such as PPF use published rates for illustration and are not a recommendation. TFB EduVest LLP is an AMFI-registered distributor (ARN-368678) and does not provide investment advice. Tax treatment depends on your circumstances — consult a chartered accountant. Full disclaimer

The TFB difference

The whole family builds their future

Grandparents, aunts, and uncles contribute through a shareable link — no account needed. Every name lives on the child's wall, forever.

Aarav's contributor wall
Raised so far₹0
NNRUPK
3 contributions
NNNana & Nani1st birthday₹10,000
RUUncle RohanDiwali₹5,000
PKPriya (family friend)Naming ceremony₹2,500
NNNana & Nani1st birthday₹10,000
RUUncle RohanDiwali₹5,000
PKPriya (family friend)Naming ceremony₹2,500
  • Digital gift certificates
  • Permanent recognition
  • No account needed
  • Every occasion
Share your child's contribution link
TFB Academy — free

They don't just get money. They get wisdom.

One new lesson every month, from age 13 to 21: a blog to read, a video to watch and a game to play. That is 108 lessons over 9 years, free. Your child learns money the way school should have taught it — from basics at 13 to wealth management at 21.

  1. 1
    Money Basics
  2. 2
    Saving & Budgeting
  3. 3
    Banking & Credit
  4. 4
    Markets 101
  5. 5
    Risk & Insurance
  6. 6
    Investing Deeper
  7. 7
    Taxes & Filing
  8. 8
    Real Assets
  9. 9
    Wealth Management

12 / 108

modules unlocked · Year 1 of 9

Watch, learn, practice, prove it. A new lesson arrives every month, 108 in all — each one a little harder, a little closer to real money decisions.

Watch
Learn
Lab
Quiz
Year 1 · Money Basics
Age 13 · Preview free
1 of 9 years
  1. 1What is Money?
  2. 2Barter & Trade
  3. 3History of Currency
  4. 4How Banks Work
  5. 5Saving vs Spending
  6. 6The Power of Compounding
View all 108 modules
Start Year 1 free

Included free on Seed and Deed accounts.

Transparent pricing

Free to start. Pay only when it's permanent.

Opening a Seed or Harvest account costs nothing. The only real charge is the Deed, which makes it an irrevocable trust.

Start here
Seed
Small, regular SIPs for your child's future
₹0to open
  • SIP from ₹100/mo, on your own PAN, tagged to your child
  • Full dashboard — track corpus & growth
  • A free lesson every month (blog, video, game)
  • Well-wisher gifting links
  • Pause or stop any time
Join the launch list
Harvest
Invest a lump sum, draw a monthly income
₹0to open
  • Lump sum from ₹21,000
  • Monthly income, on your terms
  • Full dashboard — track corpus & growth
  • Well-wisher gifting links
  • Your money stays with the fund houses
Join the launch list
Deed
Make it a legally irrevocable trust
₹50,000one-time
  • Converting a Seed or Harvest account: coming soon
  • Irrevocable trust deed drafting
  • Trust PAN application
  • e-KYC & e-sign, fully digital
  • Choose vesting age & payout plan
Opening soon

Optional extras: ITR filing ₹5,000 per taxable redemption.

Opening soon

Be first when we open.

Seed and Harvest open once our fund-platform and app-store approvals are through. Leave your email and we'll write to you once, the day we open.

FAQ

Frequently asked questions

Honest answers to the questions every parent has.

The best time to start was the day they were born. The second best time is today.

₹100 a day is enough to start, and Seed opens from ₹100 a month, free. A free money lesson every month. And when you want it locked for your child, a Deed with a vesting age of 18, 21 or 25.

Join the launch list