businesses, and investors — regardless of technical depth.We build intelligent platforms for India's professionals,HungryMinds Teklicious · AI-Native Platform CompanyMaking AI usefulOur Vision !for every Indian.Join the Waitlist !Introducing our first platform · Launching soonWealth management, reimaginedNivyo.AI200 million investors. Built on India Stack.AI-driven portfolio guidance for India's nextfinancial and digital infrastructure from day one.Every platform we build runs natively on India'sAccount Aggregator · UPI · DigiLocker · GSTNBuilt on India Stack,Learn How !not adapted for it.See Careers !We are hiring · Founding team opportunityBuild what India needs.Join Us.AI engineers, product builders, FinTech domain experts.Early-stage. Consequential. AI-native.
Recognised & Verified
DG
DPIIT RecognisedDIPP224373
MS
Udyam MSMEUDYAM-HR-13-0027358
AWS
AWS ActivateStartups Programme
IS
India Stack NativeAA · UPI · DigiLocker · GSTN
IN
Incorporated Dec 2024Panchkula, Haryana
CIN: U62099HR2024PTC126728
DG
DPIIT RecognisedDIPP224373
MS
Udyam MSMEUDYAM-HR-13-0027358
AWS
AWS ActivateStartups Programme
IS
India Stack NativeAA · UPI · DigiLocker · GSTN
IN
Incorporated Dec 2024Panchkula, Haryana
CIN: U62099HR2024PTC126728
Pioneering AI-Driven Financial Breakthroughs for India.
! builds AI-native experiences for India — starting with wealth management.
HungryMinds Teklicious is an AI WealthTech startup India needs. We are transforming how professionals, businesses, and investors interact with intelligence — one platform at a time.
We started with a simple but powerful conviction: India’s 500 million professionals, small business owners, and first-generation investors deserve AI tools built specifically for them — not adapted from products designed for San Francisco or Singapore.
Most technology platforms treat India as a market to localise into. We treat India as the design brief. Every product we build starts with Indian regulations, India Stack infrastructure, Indian income patterns, and the real financial realities of Indian households. That is not a constraint for us. That is our advantage.
Our first platform, Nivyo.AI, brings intelligent wealth management to India’s emerging investor class — combining AI-driven portfolio analysis, goal-based planning, and seamless Account Aggregator integration to make sophisticated financial guidance accessible to everyone, not just the top 1%.
We are building at exactly the right moment. India’s Account Aggregator framework now enables consented financial data sharing at scale. Large language models have reached genuine financial reasoning capability. And India’s UPI and smartphone penetration means a product can reach 500 million users without a single branch office.
HungryMinds Teklicious is DPIIT-recognised, incorporated in December 2024, and building fast. Nivyo.AI is our first platform. It will not be our last.
Our vision · AI WealthTech startup India
One company. Multiple. AI-native platforms.
We believe AI should not be the exclusive domain of large corporations or tech-savvy users. HungryMinds Teklicious builds AI-native platforms for India’s professionals, businesses, and investors — from complex wealth management to everyday business intelligence. Designed for Bharat. Built on India Stack. This is what makes HungryMinds an AI WealthTech startup India can call its own.
From fintech to business tools — if India has a problem worth solving at scale, we are building an AI-native platform for it.
"India does not need another app. India needs AI platforms that understand what empowerment actually looks like at the scale of a billion people — and have the courage to build for that."
We design AI-native experiences that non-technical users can use confidently. No prompts to learn. No complexity to manage. Just outcomes.
02
Niche problems at India scale
We identify problems that are uniquely Indian — shaped by Indian regulations, Indian income patterns, Indian infrastructure — and build AI platforms specifically for them.
03
India Stack as the foundation
Account Aggregator, UPI, DigiLocker, GSTN — not integrations but core architecture. Every platform we build leverages the infrastructure India has already built.
Our first platform
Introducing Nivyo.AI
Intelligent wealth management — built for India, launching soon.
As an AI WealthTech startup India needs, HungryMinds Teklicious is building Nivyo.AI to change how wealth management works — starting with the 99% left out by expensive advisors, complex products, and opaque fee structures.
Nivyo.AI changes this. By combining AI-driven financial reasoning with deep India Stack integration — Account Aggregator, MF Central, NSE/BSE APIs — we make sophisticated wealth guidance accessible to India’s next 200 million investors. No branch offices. No minimum investment floors. Just intelligent, India-first financial guidance.
AI Portfolio AnalysisAccount AggregatorSEBI CompliantTax OptimisationUPI IntegratedGoal-Based PlanningAMFI NormsMF Central
AI-driven portfolio analysis
Personalised to your income, tax bracket, risk appetite, and financial goals — not a generic algorithm.
Deep India Stack integration
Account Aggregator, MF Central, CKYC Registry, NSE/BSE APIs — data no foreign platform can access.
SEBI & AMFI compliant by design
Regulatory compliance is not a layer added later. SEBI guidelines and AMFI norms are built into the architecture from day one.
Goal-based planning with real-time alerts
Set goals — retirement, education, home — and get proactive rebalancing recommendations as markets and your life change.
Launching soon · Join the waitlist at Nivyo.AI
nivyo.ai →
How we build
Three commitments that drive. every product.
01
Regulation-aware from day one
We treat India's regulatory framework as a product feature — not a compliance checkbox. SEBI, RBI, AMFI, and Account Aggregator norms are built into our architecture from the first line of code.
02
India Stack as infrastructure
UPI, Account Aggregator, DigiLocker, GSTN — these are not integrations. They are our foundation. We design every experience around the rails India has already built.
03
Built for Bharat, not adapted for it
We build for India's Tier 1 professionals, Tier 2 business owners, and first-generation investors as the core brief — not the edge case. India-first means starting with India, not ending there.
Infrastructure we build on
India Stack — our foundation.
🏦
Account Aggregator
Consented data
📋
SEBI / AMFI
Regulatory
🪪
Aadhaar eKYC
Identity
📊
MF Central
MF data
🔑
CKYC Registry
KYC
💳
UPI
Payments
📁
DigiLocker
Documents
🏢
GSTN
Tax
📈
NSE / BSE APIs
Markets
🧪
RBI Sandbox
FinTech
Officially recognised
Verified. Registered. Accountable.
DPIIT Govt India
Startup India
DPIIT Recognition
DIPP224373
Recognised by DPIIT, Govt of India · Finance Technology · Valid upto 10-12-2034
MSME Udyam
Udyam Registration
MSME Ministry
UDYAM-HR-13-0027358
Ministry of MSME, Govt of India · Micro Enterprise · Registered 20-01-2025
AWS
AWS Activate
Startups Programme
Activate for Startups
Amazon Web Services · Cloud credits & technical support for early-stage startups
