For those who ask what value does ₹1 hold in today’s economy, Deciml has an answer. What if you get to invest that loose change you sometimes forget you even had and create wealth from it?
Investing didn’t need to be an event. It could be a habit—automatic, effortless, and nearly invisible. That is exactly what Satyajeet Kunjeer—CFA Level 2 and fintech enthusiast, believed and hence dived into this untapped market by launching Deciml in 2021, a micro-investing platform that turns spare change into smart, automated investments.
Here’s how it works: Every time a user makes a digital payment, Deciml rounds up the amount to the nearest ₹10 and invests the spare change into mutual funds or fixed-return funds. If you make a cab fare payment of ₹299, what happens to that leftover ₹1? It’s not lost—it’s securing your future. You do nothing. Your money works anyway.
Apart from rounding up your change, Deciml also provides a lump-sum investment and daily deposit option, allowing you to invest as little as ₹10.
Sometimes, simplicity is what makes ideas radical. But the kicker? It’s not just the idea or the tech. It’s the psychology.
When asked about the motivation behind this idea, Kunjeer answers, “Young Indians want to invest, but they often feel locked out, thinking it needs big money, lots of time, and complex research. We wanted to dismantle that barrier. Deciml shifts the investment narrative from distant goals like retirement to immediate aspirations—whether it’s a pair of sneakers, a bike down payment, or a weekend trip—making investing effortless and relatable for young professionals.”
And that thinking worked, turning a solid idea into a solid foundation. Satyajeet collaborated with financial experts, studied user behaviors, and built a platform that could turn spending into saving—without the stress. Today, users are averaging monthly investments of over ₹1,800. Not because they planned to, but because they didn’t have to plan.
In just a few years, Deciml’s impact has been recognized far beyond app stores. It has scaled to tens of thousands of users, processed ₹77+ crore in micro-investments and raised millions from top-tier investors.
But the key towards growth isn’t just clean UI and clever algorithms. The Deciml team actively engages with users, incorporating their feedback and insights into the platform’s evolution. This user-centric approach has been delivering remarkable outcomes, with its users collectively investing over ₹7 lakh per day.
Deciml has quietly helped tens of thousands of Indians start investing—with no entry barrier, no fine print, and no excuses. Today, it is more than an app—it’s a movement. One that’s helping Gen Z and millennials invest without overthinking it.
Written By:
Yashi Bhatia
