Transparent economics · No HR budget required

Zero-cost employee financial wellness for Indian employers

A full financial wellness programme — literacy, investing tools, HR analytics — without a line item in your benefits budget.

HR leaders ask us one question first: *"If it's free, what's the catch?"* There isn't a hidden subscription. Saventh is an AMFI-registered mutual fund distributor (ARN 324457). We earn regulated distribution revenue when employees choose to invest through `wealth.saventh.com` — not from employer fees.

Your organisation gets sessions, comms kits, join links, and the HRMS portal at `hrms.saventh.com` at **zero cost**. Employees get the same — platform access is free whether they invest or not.

Are you an HR?
Zero-cost workplace financial wellness programme for Indian employers

Everything HR and employees get — at ₹0

Not included (because HR never pays): No per-seat SaaS fee · No annual renewal · No "premium tier" upsell for basic analytics.

Next step: Employer programme overview.

Included freeDetails
HR portal`hrms.saventh.com` — enrolment links, comms templates, participation dashboards
Employee join flowBranded `join.saventh.com` pages with your company code
Financial literacyLive sessions + Learn app quests (`learn.saventh.com`)
Investor app access`wealth.saventh.com` — goals, SIP, tax tools (investing optional)
Workplace SIP toolingCampaign links, portfolio defaults, payroll reconciliation support
Dedicated supportLaunch playbooks, email copy, facilitator coordination

How Saventh's zero-cost model works

Saventh is **Half Billion Technology Pvt Ltd**, registered with AMFI as a mutual fund distributor (**ARN 324457**), transacting on **BSE Star MF**.

For employers: ₹0 — always.

For employees: ₹0 platform fee. If they invest, they pay the same regulated mutual fund expense ratios and statutory charges as they would through any AMFI-registered channel — direct plans where available.

Saventh revenue: AMFI-regulated trail and transaction commissions from fund houses when employees invest — not employer invoices.

```

HR budget ──₹0──> Saventh programme ──> Employees

│

└── optional invest ──> MF commissions (regulated)

```

This is the same economic logic as a registered MFD serving retail investors — applied to the workplace with HR-grade tooling on top.

Link: `/legal/regulatory` for full entity disclosures.

Keywords: AMFI registered advisor workplace, BSE Star MF employer programme

Saventh is **Half Billion Technology Pvt Ltd**, registered with AMFI as a mutual fund distributor (**ARN 324457**), transacting on **BSE Star MF**.

For employers: ₹0 — always.

For employees: ₹0 platform fee. If they invest, they pay the same regulated mutual fund expense ratios and statutory charges as they would through any AMFI-registered channel — direct plans where available.

Saventh revenue: AMFI-regulated trail and transaction commissions from fund houses when employees invest — not employer invoices.

```

HR budget ──₹0──> Saventh programme ──> Employees

│

└── optional invest ──> MF commissions (regulated)

```

This is the same economic logic as a registered MFD serving retail investors — applied to the workplace with HR-grade tooling on top.

Link: `/legal/regulatory` for full entity disclosures.

Keywords: AMFI registered advisor workplace, BSE Star MF employer programme

Saventh vs typical financial wellness vendors

Next step: Book a demo.

Typical vendorSaventh
HR subscription₹50–200 per employee/year₹0
Implementation feeOften ₹1–5 lakh₹0
Session costPer-workshop chargeIncluded
Product pitch riskBank or insurer-ledAMFI educational tone
Investing executionReferral outIntegrated `wealth.saventh.com`
HR analyticsPaid tierIncluded on `hrms.saventh.com`

What employees pay — and what they don't

Employees can attend sessions, complete literacy modules, and use planning tools **without investing a rupee**.

Link: `/legal/mf-disclaimer` · `/employees` for employee-facing summary

Employees can attend sessions, complete literacy modules, and use planning tools **without investing a rupee**.

Link: `/legal/mf-disclaimer` · `/employees` for employee-facing summary

Facts your finance team will ask for

1. **No PO required for platform fees** — there are none.

2. **Simple MoU** — partnership agreement; no multi-year lock-in for Phase 1.

3. **AMFI ARN 324457** — verifiable on AMFI website; link from `/legal/regulatory`.

4. **Data privacy** — employee KYC and investment data handled per `/legal/privacy`.

5. **No payroll deduction mandate** — workplace SIP is opt-in; employees control amounts and pause.

Next step: Download partnership overview.

1. **No PO required for platform fees** — there are none.

2. **Simple MoU** — partnership agreement; no multi-year lock-in for Phase 1.

3. **AMFI ARN 324457** — verifiable on AMFI website; link from `/legal/regulatory`.

4. **Data privacy** — employee KYC and investment data handled per `/legal/privacy`.

5. **No payroll deduction mandate** — workplace SIP is opt-in; employees control amounts and pause.

Next step: Download partnership overview.

Frequently asked questions

See **Page FAQs** below.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance does not guarantee future results. Saventh does not guarantee returns.

See **Page FAQs** below.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance does not guarantee future results. Saventh does not guarantee returns.

Frequently asked questions

Is Saventh free for employers in India?

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Yes. Platform access, literacy sessions, HR tools, and employee join flows are zero cost to employers and employees. Saventh earns AMFI-regulated mutual fund distribution revenue when employees voluntarily invest.

Does Saventh sell employee data to fund houses?

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No. Employee data is used to operate the programme per Saventh's privacy policy. Investing requires explicit employee consent and KYC.

Can we pilot with one location first?

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Yes. Many organisations start with a single office or cohort of 50–200 employees before rolling out company-wide.

What if no employees invest?

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The programme remains free. HR still gets literacy sessions, Learn access, and analytics for enrolment and engagement — investing is optional.

How is this different from "free" bank workshops?

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Saventh is an independent AMFI-registered distributor with ongoing app-based literacy and workplace SIP — not a one-off product seminar tied to a single bank's sales targets.

Launch a real benefit at zero cost

See the HR portal, employee journey, and economics deck in a 30-minute demo. No obligation, no invoice.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance does not guarantee future results. Saventh does not guarantee returns.

Saventh

Employee financial wellness, literacy sessions, and guided next steps for Indian workplaces.

2026 Saventh. All rights reserved. Built in India · AMFI ARN 324457
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Saventh Investment is an AMFI Registered Mutual Fund Distributor.

Disclaimer: Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.

Saventh Investment makes no warranties or representations, express or implied, on products offered through the platform of Saventh Investment. It accepts no liability for any damages or losses, however, caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
Investments in Securities markets are subject to market risks, read all the related documents carefully before investing.

AMFI Registered
ARN - 324457