Keep paying with UPI the way you always do. Every payment rounds up to the nearest ₹10, ₹50 or ₹100, and the spare change collects in your wallet. When it crosses the threshold you set, Centure invests it into a diversified lot — held in your own demat account. Your portfolio grows in proportion to how you spend.
Keep using your favourite UPI app. CENTURE reads each payment with read-only access and rounds it up to the nearest ₹10, ₹50 or ₹100 — you choose the rule.
₹73 rounds up to ₹80; the ₹7 difference lands in your change wallet — multiplied 2× or 5× if you like. Nothing is invested yet.
When the wallet reaches the threshold you set, that amount is invested into your chosen lot — Conservative, Balanced or Aggressive — held in your own demat account.
You choose your round-up, threshold and lot when you sign up — and can change them anytime in settings. At the start of each month we'll remind you to keep your demat account topped up, so every sweep has the funds to invest.
Invest every ₹100, ₹500 or ₹1,000 — whatever feels right. Change it or pause it anytime.
Turn a ₹7 delta into ₹14 or ₹35. Dial it up when you're flush, back down when you're not.
Prefer IT and banking? Want gold in the mix? Your stock preferences shape every allocation the AI makes.
It's your demat account, your holdings. Redeem to your bank in one tap — no lock-ins, no penalties.
Drag the sliders. The projection, the demo mix and the growth curve update live.
The moment your change wallet crosses ₹200, the AI assembles three ready-made distributions of stocks and funds — built overnight from market signals, your risk band and your tilts. Tap one, or let the engine decide.
Capital first — debt-heavy with an index core and a gold cushion.
The engine’s default blend — index core plus two quality large-caps.
Equity-heavy and tilted to your sectors. More swing, more upside.
Your change never gets dumped into one fund. Each sweep passes through three layers that read the market, respect your risk comfort, and honour your preferences.
See it working in the app →Round-ups ride the same UPI infrastructure as your payments.
We read amounts. Money only moves through mandates you approve.
Orders execute through SEBI-registered brokers into your own demat account.
256-bit encryption at rest and in transit. Your data is never sold.
“Pays for chai, cabs and groceries on UPI every day — each payment quietly rounds up.”
“Wants to invest but freezes at 5,000 listed stocks. Picks one bucket, done.”
“Already has a demat and SIPs — uses round-ups to diversify on autopilot.”
Link your UPI and demat account once. CENTURE handles every rupee after that.
Open the app