Question 1

What is BlinkMoney?

Accepted Answer

BlinkMoney is India's first Liquid Wealth Account. It does two things, grows your money in daily SIPs across stocks, FDs, and gold, in one click, for around 15% p.a.* returns a year, AND gives you instant cash at 9.99% p.a.* against your investments whenever you need it. So your money never stops compounding, and you can still use it anytime.

Question 2

How do I get started?

Accepted Answer

Three steps. One, you set up a daily auto-invest SIP, starting from just ₹21. Two, that money gets professionally managed and split smartly across Stocks, FDs, and gold. Three, once you've built a portfolio, you can borrow up to 80% of it instantly at 9.99% p.a.*, no paperwork. Your investments keep earning while you use the credit. That's the whole trick and it's completely legal ;)

Question 3

Is BlinkMoney safe?

Accepted Answer

Yes. BlinkMoney partners with regulated institutions for investing and lending services. Your investments are held with SEBI-registered partners - ICICI Prudential Mutual Fund, Axis Mutual Fund, etc. - not us. Your money is always in your name. Plus there's zero lock-in, so you can withdraw anytime. Your money is as safe as a regular mutual fund.

Question 4

Is BlinkMoney for ME?

Accepted Answer

BlinkMoney is built for Gen Z and young Indians who want their money working as hard as they do. Student, first salary employees, freelancer, business owner, content creator, young parent, if you have a PAN, Aadhaar and a bank account, you're in. Irregular income, unpredictable expenses, real ambitions, we get it. One account that grows your money daily AND lets you access it anytime. No salary slips, no credit score, no compromises.

Question 5

How much can I start investing with?

Accepted Answer

₹21 a day. That's it. Less than a chai-samosa. We deliberately set the ticket size low because compound interest cares about consistency, not size. Start at ₹21, scale up to ₹500 or ₹5,000 a day when you can. The habit matters more than the amount, and the math eventually rewards you brutally.

Question 6

What kind of returns can I expect?

Accepted Answer

Around 15% p.a.* (as per last 5 year historical returns). We split your money smartly across three asset classes - stocks for growth, fixed deposits for stability, and gold for protection. This system has historically delivered around 15% p.a.* per year over the last 5 years. Not guaranteed, past performance isn't a promise, but it's been remarkably consistent. Way better than the 3% p.a.* your savings account gives you.

Question 7

Can I add lump sums on top of my daily SIP?

Accepted Answer

Absolutely. Got a bonus? An appraisal? A brand deal payout? Drop it in as a one-time investment. It auto-diversifies into the same smart split - stocks, FDs, gold. Your daily SIP keeps running. Both compound together. No need to choose between disciplined and opportunistic, do both.

Question 8

Can I withdraw my investment money anytime?

Accepted Answer

Yes, but here's the better move. With BlinkMoney, you don't have to break your investments to access cash. Need ₹10,000 tomorrow? Access cash against your investments at 9.99% p.a.* instantly, digitally, no paperwork. Your investments keep comp around 15% p.a.* while you use the credit. Of course, full withdrawals are also available with zero lock-in and zero penalty. But why stop your money from growing when you can have both, the cash you need AND the compounding you've earned?

Question 9

What is LAMF and how does it work?

Accepted Answer

LAMF stands for Loan Against Mutual Funds. It's how you access cash against your investments without selling them. You pledge your portfolio digitally, takes minutes, and we lend you up to 80% of its value at 9.99% p.a.*. Your investments stay invested, keep earning around 15% p.a.*. You pay 9.99% p.a.* on what you borrow.

Question 10

How is BlinkMoney's credit line different from a personal loan?

Accepted Answer

Three big differences. First, the rate - 9.99% p.a.* versus 14 to 24% p.a.* on most personal loans. Second, the speed - minutes versus weeks of paperwork. Third, no credit score check, no salary slips, no Form 16. Your investments are the qualifier. Borrow what you need, repay when you want. No EMI. Pay interest only on what you actually use.

Question 11

What happens to my Loan Against Mutual Funds if the market falls?

Accepted Answer

If the market falls, the value of your pledged Mutual Fund units may drop. If it drops below a certain threshold, your lending partner may ask you to pledge more Mutual Fund units or repay a portion of your loan to maintain the required margin. This is standard across all Loan Against Mutual Funds products. Your daily SIP keeps running through the dip though, adding new Mutual Fund units to your portfolio and naturally strengthening your collateral.

Question 12

Can I repay the loan early? Are there prepayment charges?

Accepted Answer

Yes, you can repay your Loan Against Mutual Funds early, and no, there are zero prepayment charges. BlinkMoney offers complete flexibility on loan repayment, no foreclosure fees, no penalties, no minimum tenure. Repay your full loan in a week or a month, it costs you nothing extra. You only pay interest on the loan amount for the days you actually used it.

Question 13

What happens to my Investments if the market falls?

Accepted Answer

Since your Mutual Fund invests across multiple asset classes like Stocks, Fixed Deposits, Gold, Real Estate and F&Os, your risk is diversified. When Stocks dip, the FD and Gold portions help cushion the fall. This multi-asset structure is designed to reduce the impact of market fluctuations on your overall Mutual Fund portfolio. Plus, your daily SIP keeps buying Mutual Fund units at lower prices during dips, which works in your favour when markets recover.

Question 14

Are there any hidden charges on BlinkMoney?

Accepted Answer

No. BlinkMoney maintains full transparency. There are no hidden charges, no surprise deductions, no buried fees. Any applicable charges related to your Mutual Fund SIP or Loan Against Mutual Funds are clearly shown before you confirm a transaction. You see exactly what you're paying, every time.