ACRU assists you in your
Financial Wellness journey
accumulate small change & make it work for you, save for a goal, invest, and many more

- Our Mission
Financial Wellness for All
“I don’t look to jump over seven-foot bars; I look around for one-foot bars that I can step over.” — Warren Buffett
Save as you Spend
ACRU’s unique accumulation solution allows you to set aside loose change every time you spend.
Accumulating Moneys
ACRU allows you to save moneys with NO mandated fixed amounts or dates.
- Safey Locker
First-of-its-kind platform
ACRU makes saving and investments accessible and easy for everyone; update your profile & you are ready.
- Android
- Web
Micro-Saving & Investment
ACRU removes the mental barrier of “not enough moneys” - no sum is small for savings or investments.
- Saving
- Investment
- Solution
Differentiated approach to Democratize Wealth Management for the Next Billion
“If you save money, put it in your piggy bank or put it in your savings account, but put it somewhere. I don’t care where you put it. But make it tangible.” – Dee Lee
Piggy Bank
A gamified way to accumulate small change from your digital spends in your Digital Piggy Bank
Flexibility & Convenience
Set-up your Digital Piggy
Bank and accumulate moneys
however small, daily, weekly, monthly or whenever you can
Completely Digital
ACRU’s solution for your Financial Wellness is simple, seamless, online from sign-up to KYC to saving to investing.
Digital Gold
At the click of a button buy, self, gift or take delivery of 24 karat, 99.99% pure gold (guaranteed by MMTC-PAMP)
Saving for the Future
Investment into financial products of your choice - mutual funds, pension funds, bank deposits, insurance
Save for a Goal
You could set-up goals on
ACRU to enable you to save for a specific purpose – purchase of a mobile phone for a gift, etc.
- Solution
Differentiated approach to Democratize Wealth Management for the Next Billion
“If you save money, put it in your piggy bank or put it in your savings account, but put it somewhere. I don’t care where you put it. But make it tangible.” – Dee Lee
Piggy Bank
A gamified way to accumulate small change from your digital spends in your Digital Piggy Bank
Flexibility & Convenience
Set-up your Digital Piggy
Bank and accumulate moneys
however small, daily, weekly, monthly or whenever you can
Completely Digital
ACRU’s solution for your Financial Wellness is simple, seamless, online from sign-up to KYC to saving to investing.
Digital Gold
At the click of a button buy, self, gift or take delivery of 24 karat, 99.99% pure gold (guaranteed by MMTC-PAMP)
Saving for the Future
Investment into financial products of your choice - mutual funds, pension funds, bank deposits, insurance
Save for a Goal
You could set-up goals on
ACRU to enable you to save for a specific purpose – purchase of a mobile phone for a gift, etc.
- Piggy Bank
How it works
Remember the good old childhood days of saving pennies in your piggy bank? Wasn't it fun? ACRU is simply its digital / grown-up version
Each time you make a payment whether through net banking, credit or debit card or UPI, online or offline, based on your pre-defined round-up principle, ACRU’s algorithm accumulates the “loose change” to your Piggy Bank
For e.g. If you pay a vendor INR 447, and if your accumulation rule is to round-up to the nearest INR 100, INR 53 would be credited to your Piggy Bank & invested into a liquid mutual fund
Moneys accumulated in the Piggy Bank can be redeemed by you for any purpose including for a goal, both financial & non-financial.
You could set-up your round-up algorithm to transfer the ”loose change” to your Digital Gold Account as well

- Micro Investing
Micro-investing is when you invest small amounts of money regularly
-
Digital Gold
- Invest small savings in digital gold with as low as INR 1 -
Mutual Funds
- Invest in Liquid/ Debt/ Balanced/ Equity Mutual Funds -
Insurance
- Secure your health with micro insurance on the go -
Stocks
- Invest your change into Exchange Traded Funds -
Pension Small savings
- To secure your post retirement life -
Bank Deposits
- Park your liquid savings into highly secured fixed income deposits

3 Simple Steps & you are good to go
Download the App on your phone.
Sign-up
Complete your profile & begin your financial wellness journey
- FAQs
Acru is a Financial Wellness mobile only platform. It is a one-of a kind Micro-Saving & Investment Account akin to the familiar Piggy Bank / Gulak / Uṇṭiyal. It enables an user to open an investment account electronically for investments into mutual fund schemes of the leading Asset Management Companies (AMCs) registered with SEBI.
Acru is short for “accrue”, which means to accumulate. The Piggy Bank / Gulak / Uṇṭiyal is a simple way to accumulate small amounts which was and is still used by many as a means for accumulating their savings. Acru is a Digital Piggy Bank in short.
The money that you invest or redeem through the Acru platform are directly credited to the respective Mutual Fund Accounts and no money is routed through or credited into Acru’s bank accounts. The AMCs confirm the receipt or payment of the money as well as the transaction through SMS and email attaching the Statement of Account (SOA) directly to the user. The transaction details are also made available to the user on the app.
We charge a convenience fees of Re.1 per day (or INR 30 per month) to cover for some of the third-party costs which we incur to ensure that you are firmly entrenched on the Financial Wellness journey. Upon sign-up, this fee is waived off for 6 months
- Support
You also define the minimum investment amount of either INR 100, 500, 1000 or 3000; as and when the Virtual Account accumulates a balance of this defined minimum investment amount,
Acru automatically transfers the amount to your predefined Mutual Fund using the Unified Payment Interface App (UPI App – either BHIM, PhonePe, etc.) installed on your phone.

News Views & Blogs
ACRU Features
February 26, 2021 ACRU Updates https://play.google.com/store/apps/details?id=com.com.acru.solution Related Posts April 18, 2021 April 4, 2021 January 6, 2021 Source link
Rule changes that have an effect on financial transactions effective January 2021
NAV on Purchase of MFs Till now, purchases upto INR 2 lakhs were allotted units based on the NAV of the day the purchase request...
Building an Investment Portfolio
You want to create a portfolio of listed equity stocks but are not sure whether you would have the money? A look at the stock...
New Risk-O-Meter effective from Jan 1, 2021
Sebi has revised norms that require fund houses to assess and label risks in various schemes. The Risk-o-meter will now capture inherent risks in a...
NFO – Axis Banking ETF – NFO period 16th-29th October, 2020
Skip to content Menu Close Info Corner Search for: Info Corner October 20, 2020 New Fund Offerings Related Posts April 18, 2021 April 4, 2021...
NFO – Aditya Birla Sun Life Special Opportunities Fund
Over the past few months, the market has seen drastic changes, which may have created special opportunities for investors. To benefit from it, investors can...
NFO – SBI Magnum Children’s Benefit Fund Investment Plan – Closing on 22-09-2020
Skip to content Menu Close Info Corner Search for: Info Corner October 1, 2020 New Fund Offerings Related Posts April 18, 2021 April 4, 2021...
Are Changing Market Cycles a worry
Skip to content Menu Close Info Corner Search for: Info Corner July 9, 2020 Fund Manager Analysis Originally Posted By SBI Mutual Fund Related Posts...
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