Kuvera App 2025 : How to Use in Kuvera app in 2025

Kuvera App 2025 : Kuvera is a leading Indian wealth management platform that empowers users to invest in direct mutual funds, stocks, fixed deposits, and gold with zero commissions. Launched in 2017 and acquired by CRED in 2024, it offers a user friendly app with robust features like goal based planning, portfolio analysis, tax harvesting, and seamless external fund imports, catering to beginners and seasoned investors alike.

Kuvera App Mobile Bug Issues and Fixes

Like many growing fintech apps, Kuvera occasionally experiences minor bugs such as slow loading, transaction delays, or app crashes during peak usage. The Kuvera team maintains regular app updates on Android and iOS to fix these issues promptly. Users are encouraged to keep their app updated and can report bugs directly through in-app support for quick resolution.

Kuvera Withdrawal Process and Timelines

Kuvera facilitates withdrawals from mutual fund investments by redeeming fund units directly through the app or website. After redemption, the payout timeline depends on the mutual fund house, typically taking 2-3 business days for the proceeds to reflect in the linked bank account. Kuvera clearly shows estimated redemption timelines and supports tracking withdrawal status.

Does Kuvera Offer Insurance or Other Financial Products?

Besides direct mutual funds, Kuvera offers select additional investment options such as digital gold and fixed deposits through partnered financial institutions. However, as of 2025, Kuvera does not directly provide insurance products but focuses primarily on wealth-building through equity, debt, and fixed income instruments. Users looking for insurance may use Kuvera for investment and explore insurance products elsewhere.

How to Redeem Investments on Kuvera?

To redeem an investment, users can follow these easy steps:

1. Open the Kuvera app or website and navigate to the portfolio page.
2. Select the mutual fund scheme you wish to redeem.
3. Choose between partial or full redemption.
4. Enter the amount or units you want to redeem.
5. Confirm the order to initiate the redemption process.
   Kuvera handles the transaction electronically and provides updates on redemption status until completion.

Kuvera Tax Report Accuracy and Issues

Kuvera generates detailed tax reports breaking down short-term and long-term capital gains as well as dividend income from investments. Reports are downloadable and align with IT department requirements for filing. Some users have pointed out occasional inconsistencies due to delayed dividend reinvestment data, which Kuvera is actively working to improve to ensure 100% accuracy.

What is Kuvera app?

Kuvera is a free, India-based online investment platform primarily offering direct mutual fund investments with zero commission. It helps users invest in over 5,000 direct mutual fund plans, fixed deposits, digital gold, and stocks using a goal-based investing approach. Kuvera aims to simplify wealth creation, tax planning, and portfolio management with user-friendly tools and robust security.

Kuvera vs Groww : Which is better?

Kuvera and Groww both offer zero-commission direct mutual funds, but differ in features. Kuvera has stronger goal-based planning, family account management, and tax harvesting. Groww excels with an interactive user interface, supports stock trading alongside mutual funds, and is popular among younger investors. Choose Kuvera for focused mutual fund investing and Groww for a broader trading experience.

Did CRED acquire Kuvera?

Yes, CRED officially acquired Kuvera in 2025. This acquisition supports Kuvera’s growth with enhanced tech, resources, and customer experience, while Kuvera maintains its independent brand and zero-commission direct mutual fund focus.

Kuvera vs INDmoney: How do they compare?

Kuvera specializes in commission-free direct mutual fund investing with investment goal planning. INDmoney offers a wider financial services platform including wealth tech, loans, insurance, and stock trading. INDmoney is more comprehensive for overall wealth management, while Kuvera excels at focused mutual fund investments and tax optimization tools.

How does Kuvera make money?

Kuvera does not charge commissions on mutual funds. It generates revenue through value added services such as priority support, transactions in third-party products like fixed deposits or stocks, and possible partnership fees from financial product providers. Kuvera’s core direct mutual fund platform remains free of charges.

Who owns Kuvera?

Kuvera is owned by Arevuk Advisory Services Pvt Ltd, which is now a subsidiary of CRED following the acquisition in 2025. It is a private India based fintech company specializing in digital wealth management.

How to Start SIP on Kuvera (Step-by-Step)

Starting a SIP on Kuvera is straightforward and paperless for KYC compliant users. Minimum ₹100; direct plans only (zero commissions). Here’s how (as of 2025):

1. Download & Sign Up: Get the Kuvera app (iOS/Android) or visit kuvera.in. Register with email/mobile/PAN. Complete KYC (PAN, Aadhaar, video selfie)—takes 5-10 mins if not done.
2. Link Bank Account: Add your bank (via OTP/e-mandate). Set up One-Time Mandate (OTM) for auto-debits (up to ₹1L/month; extendable).
3. Set Goals (Optional): Create a goal (e.g., retirement) for personalized fund recommendations. Enter amount, horizon—Kuvera suggests SIP size.
4. Choose Fund: Go to “Explore Funds” or “Mutual Funds.” Filter by category (equity/debt/hybrid), risk, returns. Select a direct plan (e.g., HDFC Top 100).
5. Start SIP: Tap “SIP” > Enter amount (₹500+), date (1st-28th), tenure. Choose payment (first installment now or on date). Review folio (new/existing).
6. Confirm & Pay: Authenticate via OTP/e-sign. First SIP debits immediately; future ones auto-debit. Track in “Portfolio.”

Tips: Use SIP calculator for projections (12% avg. equity returns). Pause/modify anytime. If issues (e.g., mandate rejection), contact support@kuvera.in. Expect T+1/T+2 NAV allotment.

Import External Mutual Funds to Kuvera

Kuvera allows seamless import of external MFs (non Demat) for tracking/switching to direct plans units stay with AMCs. No transfer needed; just view consolidated.

Steps:

1. Sign Up/Login: Create account; complete KYC.
2. Generate CAS: Download Consolidated Account Statement (CAS) from CAMS (camskra.com) or KFintech (cvlnkra.com) using PAN/email. Covers all MFs (last 6-12 months).
3. Import on Kuvera: Go to “Portfolio” > “Import Portfolio.” Upload CAS PDF or forward email to aw-import@kuvera.in. (For stocks: Link broker like Zerodha.)
4. Verify: Kuvera processes in 24-48 hrs; view in dashboard. External SIPs continue—stop them externally if switching.
5. Switch to Direct: Use “Manage Funds” > “Switch” for regular-to-direct (tax implications apply; use TradeSmart for optimization).

Notes: Demat MFs (e.g., from Zerodha) can’t import fully—track separately. Issues? Email support; post-acquisition delays reported. Benefits: Single view, tax harvesting.

Kuvera Portfolio Analysis

Kuvera’s analysis tools provide deep insights into your MF/stock/FD portfolio, emphasizing diversification, returns, and tax efficiency.

Key Features:

• Overview Dashboard: Consolidated view of MFs, stocks, FDs, EPF. Shows total value, asset allocation (equity/debt/gold), XIRR (personalized returns).
• Performance Metrics: % returns (1Y/3Y/5Y), rolling returns, volatility, benchmark comparison. Peer analysis for funds.
• Risk & Diversification: Risk profiler, sector/fund overlap alerts, goal alignment (e.g., retirement corpus).
• Tax Tools: Capital gains report (LTCG/STCG), harvesting recommendations (realize ₹1L tax-free gains annually).
• Recommendations: AI-driven fund suggestions, rebalancing alerts, TradeSmart for low-tax switches.
• Reports: Downloadable statements for ITR; family/multi-account views.

Kuvera app: Which country is iKuvera based in?

Kuvera is an India based investment platform, registered and regulated under Indian laws. It primarily serves Indian residents and NRIs but with some geographical restrictions due to regulations.

What is one-click mandate in Kuvera?

One-click mandate on Kuvera allows investors to authorize and set up SIP payments automatically via net banking or UPI, simplifying and automating the investment process without requiring repeated manual approval for each SIP payment.

How to sell gold in Kuvera?

In Kuvera, you can sell digital gold by:

1. Going to the Gold investment section.
2. Selecting your gold holdings.
3. Choosing the ‘Sell’ option.
4. Entering the sell amount or quantity.
5. Confirming the order to initiate the sale and receive proceeds in your bank account.

How to change primary bank account in Kuvera?

To change the primary bank account linked for transactions in Kuvera:

• Login to the Kuvera app/website.
• Navigate to ‘Profile’ > ‘Bank Details’.
• Add a new bank account.
• Verify the new account via OTP or net banking.
• Set the new account as primary after verification.

How to buy stocks in Kuvera?

Kuvera allows stock investments in NSE-listed shares. To buy stocks:

• Open the Kuvera app.
• Select the ‘Stocks’ section.
• Search and add desired stocks to your watchlist.
• Choose a stock and enter buy order details.
• Confirm the transaction after linking your trading and demat accounts.

How to invest in Kuvera?

Investing in Kuvera involves:

• Creating a Kuvera account and completing KYC.
• Browsing the available direct mutual funds or other investment products.
• Selecting the desired scheme.
• Choosing between SIP or lump sum investments.
• Paying via linked bank account.
• Tracking investments via portfolio features.

How to do KYC in Kuvera?

Kuvera offers online KYC via Aadhaar e-KYC or video KYC. Steps include:

Activation of your Kuvera account for investing

Uploading Aadhaar or PAN details.

Facial recognition or video verification via app.

Real-time approval from the KYC registration agency.

Kuvera’s Impact on Tax Planning and Advisory

Kuvera’s platform enhances tax planning by integrating features like tax harvesting, ELSS mutual funds for tax saving, and transparent capital gains reporting. Investors can plan investments to maximize deductions under Section 80C and reduce tax outgo systematically. Kuvera’s advisory tools and educational content empower users to understand tax benefits efficiently.

What Happens to My Investments if Kuvera Shuts Down?

If Kuvera were to cease operations, investors’ holdings would remain safe as mutual funds are held directly with AMCs in investors’ names. Kuvera acts as a facilitator, not a custodian. Investors would need to transfer or manage their investments via other platforms or directly with AMCs. Kuvera also offers portfolio export features for easy transition.

Kuvera Referral Program and Bonuses

Kuvera offers referral incentives where existing users can invite friends to sign up and invest. Upon successful onboarding and initial investment by the referred user, both parties may receive bonuses such as gift vouchers or digital gold rewards as per current offers. The referral scheme is periodically updated to incentivize organic platform growth.

Kuvera Portfolio Risk Analysis Tool

Kuvera provides a portfolio risk analysis feature that assesses the user’s aggregated mutual fund holdings against market volatility and risk categories. This tool helps investors understand their risk exposure and make adjustments to align investments with personal risk tolerance. It also suggests funds for portfolio diversification to mitigate risks.

Kuvera Direct Mutual Fund Benefits Explained

Direct mutual funds on Kuvera offer several benefits over regular plans:

• Zero commissions increase returns by reducing expense ratios.
• Transparency in holdings and valuations.
• Goal-based portfolio recommendations.
• Flexibility in SIPs and lump sums.
• Integrated tax-saving and harvesting features.
  These advantages make direct plans an ideal choice for cost-conscious, long-term investors.

Kuvera SIP Lock in Periods and Exit Guidelines

Some mutual funds on Kuvera, such as ELSS funds, have mandatory lock-in periods (3 years) before redemptions due to tax regulations. Apart from such schemes, most equity and debt funds allow exit anytime with no lock-in. Kuvera clearly marks funds with lock-in and provides exit guidelines to help investors plan liquidity requirements.

Kuvera Customer Reviews on Twitter and Instagram

Kuvera maintains an active presence on social media, engaging with users on Twitter and Instagram. Customer reviews are largely positive with high praise for zero commission investing, seamless app experience, and efficient customer support. Some constructive criticisms relate to tax report glitches and initial KYC delays, which Kuvera addresses transparently.

Kuvera Investment Goal Setting Features

Kuvera’s standout feature is goal-based investing. Investors can set goals like retirement, education, buying a house, or travel. Based on the goal amount, timeframe, and risk profile, Kuvera’s algorithm generates a tailored portfolio with recommended SIP or lump sum investments. Progress tracking and periodic remodeling features help keep the goal on course.

How to Delete Kuvera Account Permanently?

Users wanting to delete their Kuvera accounts can request account closure through customer support. Before deletion, investors must redeem or transfer existing investments. Kuvera processes account deletion requests ensuring data privacy compliance, and the user is notified on completion. The process typically involves identity verification to avoid fraudulent account closures.

Kuvera Account Verification Issues

Common issues stem from KYC mismatches (PAN/name/DOB), post-acquisition backlogs, or regulatory updates (e.g., April 2024 PAN validation).

Common Problems:

• “Account under verification”: 3-5 day holds for KYC checks; often resolves automatically.
• Mismatched details: PAN vs. Aadhaar/bank (e.g., name spelling).
• NRI/OCI hurdles: Needs NRE/NRO account; video KYC abroad tricky.
• Post-signup blocks: OTP/email issues, camera permissions.

Solutions:

1. Verify status on cvlkra.com (CAMS) or ndmlkra.com.
2. Update via app: “Profile” > Edit PAN/DOB/bank; resubmit selfie/video.
3. For mismatches: Email support@kuvera.in with PAN scan; they coordinate with KRAs (3-7 days).
4. NRIs: Use NRO/NRE; update Indian mobile for OTP.
5. Escalation: SEBI SCORES if >7 days; users report resolutions but slow support (4-5 days).

Affects new/existing users; 2025 reviews note improvements but acquisition strain.

Kuvera Customer Support Review

Kuvera’s support (email/chat: support@kuvera.in) is email-only (no phone), with mixed 2025 reviews: 3.5/5 average. Strengths: Knowledgeable for complex queries (e.g., tax harvesting). Weaknesses: Slow (3-7 days post-CRED), unresponsive tickets, no live chat resolution.

Pros: 24/7 email; resolves imports/taxes well. ISO 27001 certified. Cons: Delays (e.g., 5-6 days vs. pre-2024’s 1-2); vague responses; no escalation path. X/Reddit complaints: Unresolved redemptions, KYC blocks. Better than Groww for depth but lags MFCentral’s responsiveness. Use for features; escalate to SEBI if needed.

Kuvera Redemption Time

Standard timelines (2025):

• Liquid/Overnight: Instant (30 mins up to ₹50K) or T+0/T+1.
• Equity/Index: T+1 (credit next day).
• Debt/Hybrid: T+1 to T+3.
• Cut-off: 3 PM (T-day NAV if before).

Proceeds direct to bank (NEFT). Delays (2-5 days) from AMC/bank; users report occasional failures (e.g., wrong folio). Track in app; contact support if >3 days.

Kuvera Tax Mess Up

Issues include faulty harvesting (e.g., exceeding ₹1L LTCG exemption, causing 10-30% tax hits), inaccurate reports, or switch errors leading to unintended STCG/exit loads.

Common Problems:

• Harvesting overshoots: Algo misses prior gains, leading to taxable excess (e.g., ₹70K overage = ₹21K tax).
• Report errors: Mismatched LTCG/STCG; ITR filing delays.
• Switch mishaps: Wrong folio redemptions trigger loads/taxes.

Fixes: Download gains report (“Reports” tab) for ITR. For errors, email support with proofs (CAS/screenshots); they reverse if AMC fault (3-7 days). Harvest manually: Sell/buy same day up to ₹1L LTCG (equity >1Y). Carry forward losses 8 years. Users advise double-checking; post-2024 glitches increased. Escalate to SEBI if unresolved.

Kuvera Money Not Credited

Refers to redemption/SIP failures where money debits but units/proceeds don’t credit (e.g., gateway errors, AMC delays).

Causes: Payment gateway (BillDesk) failures, AMC non-receipt, wrong bank/folio, post-cutoff NAV shifts.

Escalation: SEBI SCORES/Bank if >7 days. Refunds via original mode. Users report 2-15 day delays; liquid funds worst-hit. Verify bank pre-redemption.

Check “Orders” tab; wait 1-3 days for auto-refund.

Email support with transaction ID/screenshot (e.g., UPI proof); they coordinate with BSE/AMC (2-5 days).

If SIP: Verify mandate; re-place if failed.

Kuvera Cashback Offers and Promotions

Kuvera occasionally launches cashback and promotional offers to attract new investors or reward existing users. These include cashback on first-time SIP investments, referral bonuses, and festive season campaigns. Offers come with terms and duration limits and are communicated via app notifications and emails.

Kuvera Continuous SIP vs Monthly SIP

Kuvera supports both monthly SIPs and continuous SIPs tied to specific goals or dates. Continuous SIPs are flexible and can be adjusted or stopped anytime, ideal for long-term disciplined investing. Monthly SIPs operate on fixed calendar dates. Both options come with automated execution ensuring prompt investment without manual intervention.

Kuvera App vs Traditional Fund Managers

Compared to traditional fund managers or financial advisors who often charge commission fees and have limited transparency, Kuvera empowers investors with a self-service digital platform at zero commission. With access to direct mutual funds, tax optimization tools, and goal planning, Kuvera offers cost-effective wealth management with full control in the investor’s hands

Is Kuvera a demat account?

Kuvera itself is not a demat account provider. It partners with depository participants to offer demat and trading accounts for stock investments placed via its platform. Hence, Kuvera acts as a facilitator for demat-linked stock trading.

What are Kuvera charges?

Kuvera charges zero commission and subscription fees for direct mutual fund investments. Nominal fees may apply for additional services but basic investment transactions through Kuvera are free.

What is Kuvera app and how to use? Its review

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