Wealth, distributed orchestrated.

Because we don't actually hold your money. Every investment you make is held with the AMC, depository (CDSL/NSDL), insurance company or NPS CRA — in your name, on regulated rails. True Multiple is the orchestration layer above those rails. If we vanished tomorrow, your investments stay where they are, exactly as you can see them in your CAS statement.

Distribution is conducted through SEBI-registered ARN holders for mutual funds, IRDAI-licensed brokers for insurance, and PFRDA-empanelled POPs for NPS. Equities flow through SEBI-registered brokers. We follow AMFI commission-disclosure norms and DPDP Act 2023 for data privacy. Full registration details and ARN/license numbers are published on every transaction page.

Three streams: (1) standard distribution commissions disclosed item-by-item per AMFI norms; (2) optional paid subscriptions for advisors and family offices for advanced AI tooling; (3) nothing else. Investors don't pay True Multiple directly. The recommendation engine ranks by suitability, not commission — and every recommendation logs the rule that fired it, so you can audit it.

Your data is hosted in India, encrypted at rest and in transit, and governed by the DPDP Act. We do not sell data. We do not share data with marketers. Internal access follows strict role-based controls with audit logs. You can export or delete your data at any time, exactly as the DPDP Act requires.

Yes — fully and freely. Because your investments are in your name with the underlying institution, you can redeem, switch, surrender, transfer or move to another distributor following the standard rules of each product. There's no lock-in to True Multiple as a platform, and no exit fee from us.

You get a named human point-of-contact, an in-app grievance flow, and pointers to SEBI SCORES for investment grievances and IRDAI Bima Bharosa for insurance grievances — exactly as the regulators require.

No. Advisors operate as sub-brokers or associates of True Multiple, with their own independent client portals. Your clients see your brand, sign with your details and stay attributed to you. We're a co-pilot, not a competitor — our economics depend on our partners winning, not being disintermediated.

The decision engine isn't a chatbot guessing answers. It's a deterministic, audit-logged decision tree — with 4,000+ scenarios across multiple life stages and personas — with AI used for narrative explanation, document parsing and conversational interfaces on top, to help you and your advisors make better financial decisions. Every recommendation cites the rule that produced it. You can replay the logic, line by line. The engine also keeps upgrading itself depending on your life situation and changes, helping you make more confident financial decisions.