- Round-up investing works on the simple concept of rounding off a number to the nearest 10 or 20 or 30, and so on.

- When you use a digital payment method for any of your day-to-day transactions, the amount gets rounded-up to a minimum of the nearest ₹10. The amount over and above what you have spent gets invested in Mutual Funds on your behalf.

- For example, if you buy a coffee for ₹45, the transaction gets rounded-up to the nearest ₹10, i.e. ₹50. The additional amount of ₹5 automatically gets invested in a Mutual Funds scheme on your behalf.

All digital transactions are rounded up. A one-time setup of the Deciml app enables the rounding-up feature for the following:

- Debit card spends
- Credit card spends
- UPI/ Mobile wallet app spends (Google Pay, PhonePe, Paytm etc.)
- Netbanking transactions
- Online transactions on merchant apps (Zomato, Uber, Amazon etc.)
- ATM withdrawals

- Yes, you can stop/pause your round-ups with just a click of a button.

- A daily deposit is a fixed amount that will be debited from your account and invested in Mutual Funds on your behalf.

- You can set an amount of your choice for the daily deposit.

- Yes, you can stop/pause your daily deposit with just a click of a button.

- Your money is completely safe. Not only is Deciml designed to be completely secure for all your transactions, your investments remain visible to you at all times.

- The round-ups from your transactions are directly invested on your behalf from your Deciml account.

- You can also verify/check your investments on the ICIC Mutual Fund website by quoting your unique PAN.

We're great at keeping secrets! On a serious note, we take data privacy very seriously.

- Deciml will never sell your data/divulge any of your information on the app to any outside entity. Your account on Deciml is protected with 2-factor authentication and your data is secured using AES-256 encryption.

- We are governed by entities like SEBI and AMFI that have strict regualtions to safeguard the data of every single investor - that includes you!

- Your money is currently being invested in ICICI Liquid Fund.

- The average annual rate of return on this fund has been at 7.5% since the inception of the scheme.

- Please note that the rate of return on Mutual Fund investments is subject to market risks.

You can withdraw lower of the following in 30 minutes:

- max upto 90% of your investment amount, or

- ₹50,000.

You get the remaining amount too in T+1 days (one working day from the date of withdrawal).

There are no charges on withdrawal of your money.

- There are tax implications (Capital Gains) only upon withdrawal of your amount.

- The taxation is the same as with any other Mutual Fund investments.

- Nope! Deciml gets integrated with your existing modes of payment to round-up and invest.

- This means that once you download and easy-setup the app, you can simply continue payments through apps or modes that you are already using.