Supercharge Your Parked Fund

Higher returns and greater flexibility with low-risk fixed-income government securities

Try with live data

SEBI rated safest funds

Safety, Priority

SEBI rated safe funds

Safety, Priority

With safety of fixed-income government securities.

High Yield

Better yield for short term

High Yield

Earn up to 8% (p.a) even when you keep your funds just for a few weeks.

Lower Taxation

Tax-friendly fund selection

Lower Taxation

Lower taxation (20%) options, as opposed to 30% in bank deposits.

Trusted Partners

Money with Trusted Partners

Trusted Partners

Your money is held with a trusted partner you choose like Tata, SBI.

Licensed and Regulated by Trusted Financial Authorities

Funds will be held with Trusted Partner

Trusted By

Smart Fund Recommendation

Just provide an approximate duration and our AI model will brew the best and safest fund selections tailored precisely for your needs. KOFFi takes into account several data points and current trends for its well-informed recommendations for your short term needs.

Your Money, Your Flexibility

Deposit or withdraw any amount, anytime.. while the rest continues to grow at the same rate. Simply tell us when you need funds to be available in your linked bank account and we will take care of the rest.

Organise Your Money

A “bucket” is a tool to help you manage and park your money ensuring safe returns. Think of it as a labelled jar specifically for fund parking:

Received money from clients and need to pay salaries later? Create a “Payroll” bucket.
Setting aside funds for your child’s tuition due next semester? Put it in a “Fees” bucket.

Seamless & Transparent

Your money never resides with us. KOFFi acts as a secure expressway, driving your funds from your existing bank accounts to trusted fund houses.

We handle all the complexities behind the scenes, enabling you to focus on your work.

How it Works

Mahavir Jain CEO, CodeToArt

“I recently used KOFFi to manage my short-term funds, and I got the best returns for one month which I never got in FD. Their customer service is responsive and knowledgeable, providing clear and helpful guidance whenever I had questions. I will keep using them to manage my short term funds.”

Vinay Darp CEO, xtenteam

“It’s great that the platform allows us to set goals, and see our investment against that goal. Another thing that comforts us is that the money is directly parked with the fund house, so security of our funds is taken care of. KOFFi quite simple to use and intuitive.”

Geeta Bora Founder, Spherule Foundation

“KOFFi has been a game-changer for our NGO. Their expert guidance in no-risk investments has helped us grow short-term funds, enabling us to reinvest more into our social causes. The team’s transparency, ethical approach, and support make them a trusted partner. Thanks to KOFFi, we’re achieving greater financial stability while maximizing our impact.”

Girish Harbude Owner, TM Networks

“I have been using this platform to park funds. This platform helps me to segregate, organise and save for GST dues and others business goals. Their unique offering is must have and highly recommended for services businesses.”

FAQ

Know more about KOFFi

Why should I trust my money with KOFFi?

YOUR MONEY NEVER RESIDES WITH US. We aim to provide you with the technology platform to connect with the safest rated financial products where your money will be held by the trusted fund houses like TATA & SBI. The financial products that are offered by KOFFi have been traditionally used by large corporations to keep their short-term funds.

How KOFFi is able to deliver better yield in the short term?

Similar to fixed deposits, curated options provided by the KOFFi are linked with RBI interest rates, but with the added benefit of earning on your daily balances. This makes our fund selection perform much better in short-term as compared to FDs. Additionally, tax friendly and zero penalty options help you maximise yield for your money.

What different fund options available with KOFFi?

Currently, we provide a selection of carefully curated Debt and Hybrid Mutual Funds, rated as the safest by SEBI, that invest exclusively in high-quality government and corporate fixed-income securities.

We are in the process of making additional fund options, deemed suitable for business fund parking, available to you in the coming months. The details of these funds and their timelines are listed on our website.

What are debt funds?

A debt fund is a mutual fund scheme that invests in diversified AAA rated financial instruments, such as government and corporate bonds, securities that offer steady capital appreciation.

A few major advantages of investing in debt funds are high liquidity, safety, low cost structure and better returns in the short term.

How KOFFi is tax friendly?

Some funds in KOFFi are taxed at 20%, as opposed to 30% on traditional instruments like fixed deposits & savings accounts.

In KOFFi, your returns are only taxed when they are realised. Whereas in FD, tax is applicable every year irrespective of the realisation.

Is KOFFi a mutual fund platform?

KOFFi is a business fund parking platform where, along with financial products, we plan to offer various tools to organise funds and manage cash-flow.

While we began with mutual funds due to their suitability for our primary use case, our long-term vision encompasses a broader range of secure financial products including T-Bills, Commercial papers, and more.

How does KOFFi make money?

It’s a volume game for us, as the commission we earn from our trusted partners is miniscule. Behind the scenes, we work relentlessly to provide you the platform and choices that ensure your funds are safe, growing, and available whenever you need them.

How does the schedule payout feature help?

While the scheduling of a payout sounds simple, there are various attributes like cut-off time, bank settlement time, holidays, etc which makes it complex. Just give us a date and KOFFi will take care of all these complexities to ensure your money is available in your bank account on that date.

Can I give my team access to our company’s KOFFi account?

Absolutely, that’s what makes KOFFi stand out from the rest of the platforms. We are specifically designed for businesses, and we understand the need for support in running them. The KOFFi Circle feature allows you to add teammates with specific permissions to handle routine tasks. Please check the product tutorial here.

Tell me more about KOFFi’s Goal Feature

The KOFFi Goal feature allows you to categorize your funds based on business needs, making it easier to allocate and track funds for financial liabilities. You can create new goals (e.g., Payroll or GST Payables) and choose from our recommended fund options. Goals can be renamed to fit your evolving business needs, The enhanced portfolio overview displays funds organized by goals, offering a clearer view of your business financials.

Our Mission

The benefits of many financial products often remain the privilege of large institutions and corporations due to the nature of their complexity.

At KOFFi, our mission is to democratize these products by creating innovative tools, forming partnerships, raising awareness and promoting transparency to improve the financial aspect of businesses.