Cube Wealth
Cube Wealth is an Indian multi-asset wealth management platform operated by Cube Wealth Solutions Private Limited, accessible at cubewealth.io. The platform offers direct plan mutual fund investing, P2P (peer-to-peer) lending investment access, US equity investing, and other alternative asset options within a single app interface. Cube Wealth holds a SEBI registration as an investment adviser (RIA) and an AMFI ARN registration for mutual fund distribution.
Cube Wealth distinguishes itself from single-asset direct-plan platforms such as Kuvera and Scripbox by aggregating multiple asset classes – mutual funds, P2P loans, US stocks, and gold – under a unified portfolio view and advisory framework, targeting investors who want curated multi-asset diversification beyond the conventional MF-only investing experience.
Founding and investors
Cube Wealth was founded in 2018 by Satyen Kothari, who previously founded Citrus Pay, a digital payments company that was acquired by PayU (Prosus Group) in 2016. The fintech background informed Cube Wealth’s technology-first approach to multi-asset investing. The company raised venture capital from multiple investors, though detailed round information has not been extensively disclosed publicly.
Product offering
Mutual funds
Cube Wealth offers direct plan mutual fund investing across equity, debt, hybrid, and passive schemes. Fund selection on Cube Wealth may be curated or advisor-recommended, consistent with its RIA model. Users can invest via SIP or lump-sum, with transaction processing through CAMS and KFin Technologies.
P2P lending
Cube Wealth provides access to P2P lending investments through partnerships with RBI-registered NBFC-P2P entities. P2P lending in India is regulated by the Reserve Bank of India under the Master Directions for NBFC-Peer to Peer Lending Platform (2017). Cube Wealth positions P2P lending as a higher-yield alternative to debt mutual funds for the fixed-income allocation in an investor’s portfolio.
US equities
US stock and ETF investing is available through Cube Wealth via the LRS (Liberalised Remittance Scheme) route, facilitated by a partnership with a US-based broker. This feature allows Indian resident investors to diversify into US-listed equities within the Cube Wealth app.
Gold and other assets
Cube Wealth includes sovereign gold bonds and digital gold as accessible investment options, aggregating these into the overall portfolio view.
Regulatory framework
Cube Wealth operates under:
- SEBI RIA registration: For the advisory and asset allocation function under the RIA framework
- AMFI ARN registration: For direct-plan mutual fund transaction execution under the EOP framework
- EOP compliance: Post the EOP regulations 2023
For P2P lending partnerships, the underlying NBFC-P2P entities hold RBI registration; Cube Wealth acts as a distribution or referral channel.
Target audience
Cube Wealth targets urban professionals in the Rs. 25 lakh to Rs. 2 crore investable asset range who want to diversify beyond mutual funds into alternative assets while retaining a simple, unified portfolio interface. The multi-asset positioning differentiates Cube Wealth from pure-play MF platforms and from full-service traditional wealth managers.
References
- Cube Wealth platform (cubewealth.io)
- SEBI RIA registration (sebi.gov.in)
- AMFI ARN holder database (amfiindia.com)
- RBI NBFC-P2P Master Directions 2017 (rbi.org.in)