Sameena Razzaq
Startup: Investosquare
Founders: Prerna Tayal and Kavita Agrawal
Year: 2020
In a country where wealth management is still evolving, Investosquare is quietly carving out a space that many didn’t even realize was missing. When markets crashed during the Covid era, the investors saw opportunity in capitalizing on lower valuations. But they lacked dependable guidance and emotional support. That moment of uncertainty became the founding ground for Investosquare, a wealth-management startup built on the belief that investing is as emotional as it is financial. “During volatile phases, investors don’t just need platforms, they need someone who can combine trust, guidance, and technology to support them through every market cycle. That’s where the real gap in Indian wealth management exists” reflects Prerna, Founder, Investosquare.
India’s wealth management ecosystem today remains deeply fragmented. Banks focus on pushing products, digital platforms prioritize convenience over conversation, and traditional advisory firms rely heavily on personal relationships while often lacking strong technology. Investosquare is created to bridge this very gap through its phygital model – a seamless blend of physical + digital experiences.
What is ‘Phygital’ and Why it matters:
At the digital level, Investosquare app provides goal-based planning, portfolio tracking, automated reviews, online meetings, and community engagement to investors, helping them gain real time visibility into their portfolios and progress. But unlike pure-tech platforms, Investosquare also maintains strong on-ground advisory presence that offers one-to-one conversations, personalized discussions, and steady handholding especially during market downturns, when emotions tend to overpower logic. “Phygital simply means giving investors the best of both worlds. Technology shows them numbers while our advisors explain why and what to do next thus delivering context, judgement, and accountability. And this combination enables investors to make informed decisions achieving better outcomes.” explains Prerna.
Disciplined Wealth Creation:
In a crowded fintech world, Investosquare is clear about its differentiation. Beyond investing, the platform also actively supports clients with KYC assistance, scheme selection, behavioural nudges, volatility coaching, SIP reminders, and regular review calls. The result of this is not just transactions, but disciplined, long-term wealth creation. “Most platforms enable you to start investing while we help you stay invested. We are not just an investment platform but a discipline-building ecosystem. We build financial roadmaps specific to each client based on their needs and goals” reveals Prerna.
Personalized Plans for Each Investor:
Every client journey at Investosquare begins with a deep discovery process. Advisors spend time understanding their income, responsibilities, fears, comfort levels, and long-term aspirations. Based on this, a customized financial blueprint is prepared that includes goal mapping, risk profiling, SIP, STP, SWP or XSIP structuring, asset allocation, shortfall analysis, and execution planning. Together, these strategies help clients invest, withdraw, transition their money in the most efficient and goal-based manner. Clients also continue to receive regular portfolio insights and guidance as market conditions and life goals change.
Serving Individuals, Families, and Businesses:
Investosquare caters to individuals, families, and businesses—each with distinct financial needs. “We personalise our advisory based on who we are serving. Individuals typically seek clarity and discipline, so we focus on simple, goal-based plans like SIPs, emergency funds, and long-term wealth creation. Families have multiple goals running together like—education, retirement, and protection—so we take a holistic, multi-member approach that aligns the entire household’s finances. Businesses prioritise stability and liquidity. Thus, for them we design strategies around surplus cash deployment, treasury management, and predictable returns. Additionally, we also help clients understand tax implications of their financial decisions, enabling them to make effective choices,” shares Kavita, Co-Founder, Investosquare.
A Natural Fit for NRIs:
Non-Resident Indians (NRIs) often face unique challenges when investing in India—ranging from regulatory complexities, tax treaty implications to time-zone differences and emotional distance from the Indian markets. Investosquare helps NRIs navigate these issues by:
- Simplifying FEMA rules, NRE/NRO account structures, repatriation, tax treaties and structuring investments to remain fully compliant.
- Offering flexible digital meetings, transparent reporting, and a dedicated advisory model that empowers them to stay consistently informed and connected.
- Designing portfolios that match their higher earning capacity and long-term global wealth objectives.
- Aligning investments with their personal priorities like children’s education, parents’ financial security, Indian property ownership, or an eventual return to India.
Transparency, Security, and Long-Term Thinking:
At Investosquare, Trust is reinforced through complete transparency and security. Investments are clearly explained, goal linked and never pooled or mismanaged. Dashboards consolidate holdings, transactions, & performance providing clients real time visibility into their overall progress. Transactions are executed via regulated, RBI-compliant channels with bank-grade security and multi-factor authentication. “Our digital portfolio tracker brings complete clarity to an investor’s financial life. We believe clients should always know what they own, why they own it, and how it’s performing. There should be no surprises—only well calculated decisions.” remarks Kavita.
The Road Ahead:
Technologically, Investosquare is powered by Value Research for mutual fund data and insights, with a React-based application and secure backend integration. Moving ahead, the platform intends to deepen its AI-driven personalization, automation, & virtual advisory tools—while strengthening security and compliance. Over the next three to five years, Investosquare aspires to expand globally and nationwide, with strong presence in Tier-2 and Tier-3 cities. Its focus is not just on growth, but on building better investor behaviour through education, community engagement, and disciplined planning. “Our vision is to build a future-ready wealth ecosystem- One that helps people not just invest—but achieve financial confidence, freedom, and peace of mind.” conclude the founders.
