Zeny’s mission is to improve the financial well-being of India’s 300 million informal, gig, and blue-collar workers through sachet-sized financial products. This workforce powers the economy but has little access to safe, regulated savings. Today, less than 2% of their money reaches investment-grade products like mutual funds. It’s time to redesign financial solutions that fit their realities.

Our first step is a daily savings app that makes saving simple, habit-forming, and flexible. With as little as ₹100 a day, users can save into SEBI-regulated liquid mutual funds — safe, low-risk products designed for irregular incomes. Savers can contribute when they earn and withdraw anytime, often within minutes. A vernacular-first interface, ONDC-powered distribution, and our digital sachet savings model help first-time savers build confidence and resilience.

Founded by Oxford alumni and Skoll Scholars Nikhil Nair and Nikhil Saigal, Zeny brings over 30 years of fintech and inclusive growth experience. With partners like ONDC and AMFI, our vision is to unlock large-scale participation in formal finance, starting with daily mutual fund savings. By meeting workers where they are, we aim to make financial inclusion simple, trusted, and scalable.