baby.money - Child SIP Account

Build your child's future. Before they ask for it.
baby.money account is a child account built specifically for parents. Open a dedicated investment account in your child's name, start a SIP in minutes, and turn birthday cash from grandparents into a fund for college, marriage, or their first big dream.

Why parents choose baby.money account:
• Active in minutes: Add your child with just their birth certificate. No PAN, no waiting, no paperwork drama.
• Dedicated child accounts: Every child gets a ring-fenced investment account under your custody as guardian. No mixing with your own portfolio, ever.
• SIP autopilot: Set a SIP once. And build the required amount easily over time. And yes, you can set Birthday SIPs.
• Turn gifts into growth: When relatives gift cash on birthdays or festivals, invest it in seconds, right from the app.
• Growth projections: See what your child's corpus could look like at 18, 21, or 25, at a glance.
• Curated fund shelf — Hand-picked funds from SBI, HDFC, ICICI Prudential, Axis - so you're never guessing.
• Smart alerts — Know when to top up and never miss an opportunity for your child.
• One dashboard, every child — Track every account and every milestone for all your children in a single view.
• Guided tax benefits — 80C deductions on the way in, LTCG/STCG guidance on the way out. We walk you through every tax touchpoint.


baby.money is built for SIP investing. Best suited for children under 13. Set it, forget it, and let compounding do the work including optional Birthday SIP top-ups.

How baby.money works:

1. Download baby.money and create your account.
2. Add your child's details: just the basics, no PAN or bank account needed for them.
3. Confirm your own KYC as parent or guardian.
4. Pick a fund, set your SIP amount and date, and start investing.

Fully secured and compliant with regulated products:
baby.money provides SEBI-regulated products and is an AMFI-registered Mutual Fund Distributor (ARN-357176: Fluential Wealth Technologies).
Your child's investments are held via registrar-tracked folios in their name, under your guardianship, never commingled with app funds.

baby.money is built for parents and guardians who invest on behalf of a minor. It is not directed at or intended for use by children.

Questions? Write to support@baby.money : we read every email.

Mutual fund investments are subject to market risk. Please read all scheme-related documents carefully before investing.