Orange Invest
Orange Invest
“A Personal AI Banker for Next Generation”
What a family office is to HNI's, Orange is for mass affluent Indians - a proactive AI that sees your full financial picture, tells you what to do next, and executes it.
The opportunity
The financial advisory landscape in India is structured around wealth. PMS requires a minimum of Rs50 lakh as mandated by SEBI (serving HNIs and above). Only 1000 SEBI registered advisors are there, 1 for every 120K investors, serving Rs1Cr+ clients in practice. The gap is everything below Rs 50L. 15M Indians in the age group 22-30 earning 25K-2L per month is the market no one serving for because no business model made it economically viable to serve them. Until AI
The brief
1000 of investment options MFs, bonds, alternative investments, digital gold, FDs and more. Distributors sell what pays them most. YouTube gives generic advice. Reddit gives 10 conflicting opinions. You end up confused, making the wrong decision, or not investing at all.
The edge
Every finance app asks you to adapt to it, learn the dashboard, understand the jargon, pick from 1000s of options.
Why now
Users real time financial data is now accessible, per capita income crossing Rs1.7L annually, 500-600Mn middle class emerging. AI has made personalized, real-time decision support possible for every user irrespective of amount.
The builders
Varun
Varun Bali Previously built a crypto investing app at 18 with Raghav scaled it to 20k users, rasied $180K. Later, at Swipe (YC 21) launched globally and built a conversational Whatsapp AI tool for invoicing used by 2M+ SMEs
Raghav
Co-founded crypto investing app with Varun and later joined Swipe (YC 21) as a first founder's office hire and scaled it to $1M ARR
Dhairya
IITG Grad, built techniche app for annual IITG fest (25K downloads), Former enginer @ICICI Bank, revamped security stack for prepaid card systems