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Frequently Asked Questions (FAQs)

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Dive Money is a smart investment app where you can start building wealth with expert curated mutual fund portfolios, AI built personalised portfolios, digi gold+ and digi gold. You pick what fits you, we handle the rest, from fund selection to tracking and growth.

Yes. You can start investing with as little as ₹100 for digital gold, and ₹2500 for mutual fund-based portfolios.

Absolutely. We follow every rule in the book. Dive Money is AMFI-licensed and governed by SEBI. All our portfolios are managed by NISM-certified experts, and we only partner with top-tier AMCs and institutions. When it comes to gold, you're buying 24K 999 pure gold from Augmont - NABL and BIS accredited, and a member of the India Good Delivery standard (NSE, BSE, MCX). It’s fully hallmarked and stored in secure Sequel Vaults, monitored by SEBI-registered IDBI Trusteeship. Your money is in safe hands.

Our wealth plans are built by mutual fund experts with 20+ years of experience and NISM certifications. For personalised portfolios, our AI analyses over 20 years of market data and more than a million data points—along with your goals, risk level, and liquidity needs. Before anything reaches you, our in-house experts review and fine-tune the recommendations. So, you're getting the best of tech and human expertise.

Yes. All our investment options offer easy exits. There’s no lock-in or exit charge. That said, we recommend staying invested for at least a year to truly see your money grow.

Returns vary based on what you invest in. For example, curated mutual fund portfolios have shown up to 29.12% 3-year CAGR historically. Digital gold+ offers up to 16% returns annually, combining gold growth and lease income.

Your data stays locked down with the same security banks use. We never share anything without your permission, and everything we do follows SEBI rules and data protection laws to the dot.

Dive Money is AMFI-licensed and governed by SEBI. We work only with SEBI-registered fund houses and NABL and BIS accredited gold providers like Augmont.

Most financial wellness programs just offer advice or learning modules. Dive actually puts money to work - by turning a part of salary or bonuses into invested, growing compensation that employees can track, access, and withdraw after vesting. Employees don’t just learn finance. They grow real wealth.

Unlike one-time bonuses or illiquid ESOPs, Dive offers liquid, compounding investments that vest over time. No equity dilution. No complex paperwork. Just invested rewards employees can see and trust.

Employers can choose from high-growth mutual funds or digital gold options. All investments are made through regulated partners.

The company owns the investment until it vests. If an employee leaves before vesting, the funds and returns stay with the company.

All gains stay in the employer’s account until vesting. Post-vesting, employees can withdraw or reinvest.

Vesting is fully customizable. Employers set the duration, rules, and triggers.

Yes. Dive operates through SEBI-registered partners, and every investment is structured to meet Indian tax laws and compliance standards..

Zero setup or implementation fee. Dive works as a value-added, plug-and-play compensation layer for your team.

From onboarding and documentation to dedicated account managers and in-app employee support - Dive handles it end to end.

Your team can start using Dive in under a week post-signing. It’s built to be fast, compliant, and scalable from day one.

Dive D’CAP is a paid campus ambassador program where students earn, invest, and gain real-world experience in the domain of their choice - with a chance to get hired by Dive Money or top startups in our network.

Anyone UG or PG student in India who’s curious, ambitious, and ready to hustle.

Yes. You earn for every task you complete - part of it goes to your bank account, the rest is auto-invested so your money grows while you upskill.

We shortlist based on your application, then interview. We’re looking for ambition, not just resumes

Around 3-4 hours a week. It's flexible and designed to fit into your college schedule..

Tasks vary by your interest: marketing campaigns, content creation, product feedback, tech contributions, and more. You choose your path.

Nope. We train you. If you’re eager to learn and show up, that’s what counts.

A part of your earnings is automatically invested through Dive Money to help you start building wealth.

Yes. On successful completion, you’ll receive a certificate plus real work that makes your portfolio stand out.

Top performers get job offers and internships at Dive Money or partner startups - often before they even graduate. We don't assure any placements.

100%. No fees. Just apply and get selected.

Click ‘Apply Now’ and fill out the form. If shortlisted, you’ll hear from us within a few days.