Held with SEBI-registered institutions. Lifafaa records and safeguards. It does not hold your money. Subject to market risk.
A lifafaa is opened once, at eighteen. Until then, everything a family gives is sealed, recorded, and kept toward the day it becomes hers: the corpus, and the record of everyone who built it.
Cash in an envelope, spent by the next festival.
Gold in a locker, set aside and uncounted.
A fund no one remembers opening.
Eighteen years later, a child inherits amounts without faces. No one can say what Ramesh chacha gave at her first birthday, or that her grandmother gave first, and gave most.
The love was real. The record never existed.
Most accounts remember an amount and a date. A lifafaa remembers the hand behind it.
An envelope in your child's name, set up in minutes. Only you hold it.
Nani on her first birthday, an uncle at Diwali. Every gift carries their name and a few words she will read at eighteen.
The money gathers in regulated funds for eighteen years. Not even Lifafaa can touch it. On her eighteenth birthday, it is hers.
Illustrative. Gifts keep their giver's name; nothing dissolves into an anonymous balance. More on how your money is protected below.
Seal a gift
The hand behind the gift is kept with it.
A demonstration. No money moves here.
Custody
Your money sits in regulated instruments. Lifafaa is steward of the record, not custodian of your capital.
Even if Lifafaa disappeared tomorrow, your child's money would be safe. It is held by the regulated institution, not by us.
Held with SEBI-registered AMCs and IRDAI-regulated insurers. The institution holds it, not us, and no one can move her money but you.
The institution, regulator, and registration number on every statement. Nothing is hidden behind a brand.
On her eighteenth birthday, and not before, everything passes to her, under the instruments' own rules, with identity verification at majority.
Visibility by consent, access parent-controlled. Family data is never sold or profiled. Privacy is part of the care.
Investments are subject to market risk. Read all scheme-related documents carefully.
Scroll, and eighteen years pass.
Held in instruments India already trusts SEBI-registered mutual funds Equity, via regulated routes Gold & silver funds
The steward chooses the mix; the regulated institution holds it. Investments are subject to market risk. Read all scheme-related documents carefully.
The doors a degree opens, funded before she has to ask anyone for them.
The protection a family hopes never to need, ready if it ever must be.
Capital in her name, for the life she chooses to build with it. Hers to decide, never an obligation.
Held across eighteen years, from her first gift to the day it is handed over.
Milestone planner
Every month, your family sets aside
₹10,000
starting at her age 1
Given by her eighteenth
₹—
17 years of months
If it grows 8% each year
₹—
assumed, not assured
If it grows 12% each year
₹—
assumed, not assured
Markets decide the real number. Nothing here is promised.
Growth assumes the rates shown, compounded monthly, CAGR basis, tied to no fund and no product. Figures are illustrative only, rounded down, and are not advice or a promise of any outcome.
Past performance may or may not be sustained in the future and is not a guarantee of any future returns. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.
Money, when invested, is held in regulated instruments with SEBI-registered AMCs and IRDAI-regulated insurers. Lifafaa records and safeguards; it does not custody or guarantee the underlying.
The corpus passes to her. So does the record, and she reads, for the first time, the words sealed across eighteen years.
Sealed on her naming day · opened on her 18th birthday, 4 March 2044
“May you never have to ask anyone for the chance to learn. We began on the day you were named.”
Nanaji, the first to give
Illustrative. At eighteen, the lifafaa, corpus and record together, passes to her under the instruments' own rules, with identity verification at majority.
Kept by families who think in decades
Across oceans, still at every milestone.
Illustrative.
“I am eight thousand kilometres from her. This is how I am present at her milestones, and how she will one day know it was me.”
A grandfather · abroad
“We had cash in three drawers and gold we'd stopped counting. Now it is one envelope, and it has a purpose.”
A parent · Bengaluru
“My father sealed a message she cannot read until she is eighteen. He would never have said those words out loud.”
A mother · Pune
Begin the envelope that will hold what your family builds for her.
Requests are reviewed personally. We welcome a few families at a time.
An inheritance held in trust: of wealth, and of the hands that built it.