Deciml is a micro-investing app that allows users to invest spare change from daily transactions. The Deciml seed funding round attracts USD 3 million (~INR 26.14 crore) from Jainam Broking. It is the first investment from Jainam Broking’s portfolio. It signifies Jainam’s focus on financial technology and accessibility.
Deciml – A New Way to Invest
Deciml was founded in 2020 by entrepreneur Satyajeet Kunjeer. It has a very innovative round-up investing model. In this business model, the digital transactions —whether UPI or card—is rounded up to the nearest INR 10, and the difference is invested in mutual funds. For example, if you spend INR 82 somewhere, the app rounds it up to INR 90 and invests INR 8.
This is an encouraging approach to investment, especially for young Indians who find traditional investing complicated or overwhelming. By integrating investing into daily spending habits, Deciml makes wealth creation easy and accessible.
Deciml’s Plans and Use of Funds
Deciml plans to scale up with this fresh capital. It will enhance the product portfolio and grow its user base. The company wants to strengthen its team and optimize the platform for the next million users in India’s digital investment landscape.
“The Deciml journey is at a critical juncture right now. We took our time to adapt the product to user needs and now we want to focus all our energy on scaling up. At this stage, we couldn’t have asked for a better investor and partner than Jainam. They have not only validated our vision but are also fuelling and shaping it,” said Satyajeet Kunjeer, Founder of Deciml.
Investor Confidence and Market Potential
Jainam Broking, a financial services firm with a heritage of over 20 years, has emphasized its commitment to using technology to democratize access to capital markets.
“With a heritage of over 20 years, Jainam Broking has always been driven by innovation and financial empowerment. We believe in investing in technology that simplifies investing for the common man and makes financial literacy more accessible and actionable. Our investment in Deciml aligns with our vision of using technology to democratize access to capital markets,” said Dishant Milanbhai Parikh, CFO of Jainam Broking.
This comes at a great time for Indian fintech, as the sector is growing fast. According to industry reports, the fintech market is expected to grow from USD 145.09 billion (~INR 12.64 lakh crore) in 2025 to USD 550.21 billion (~INR 47.95 lakh crore) by 2030 at a CAGR of 30.55%.
Fintech Investments
Despite global economic challenges, Indian fintech startups are getting plenty of investor attention. In 2024, Indian fintech companies raised over USD 2.5 billion (~INR 21,787 crore) across 162 fundings. This trend has continued in 2025, with Juspay and Easebuzz also raising big funding rounds.
With its fresh capital, strategic backing, and innovative approach to micro-investing, Deciml is well-positioned to make investing more accessible and effortless for millions of young Indians. As the fintech sector continues its rapid growth, Deciml aims to solidify its place as a leading player in India’s evolving digital investment landscape.