Frequently asked questions

Centure is a spare-change investing app. It rounds up your everyday UPI payments and quietly invests the difference into a diversified portfolio held in your own demat account — so your investing grows in proportion to how you spend, with no lump sum and no effort.

When you make a payment of, say, ₹75, Centure rounds it up to the nearest ₹10, ₹50 or ₹100 — you choose the rule (here, ₹80). The ₹5 difference is your spare change, and it collects in a digital wallet. Do that across all your payments and the change adds up on its own.

The change sits in your wallet until it reaches a threshold you set. The moment it crosses that threshold, that amount is invested into your chosen lot and held in your demat account. Nothing is invested before you hit your threshold.

Investments are made from your own demat account. So at the start of every month, Centure reminds you to make sure your demat account holds a certain value — that way, whenever your wallet crosses the threshold, there are funds ready to invest. It's a once-a-month check-in, not something you manage every day.

When you sign up you set three things: your round-up (₹10 / ₹50 / ₹100), your threshold (the wallet balance that triggers a sweep), and your lot — Conservative, Balanced or Aggressive. You can change any of these anytime from Settings.

Yes. Your investments are held in your owndemat account with a SEBI-registered broker (for example, Angel One), in your own name. You link it once during setup; Centure only places the orders you've pre-authorised.

You do. Centure never holds or pools your funds — money moves between your bank and your own broker/demat account, and every stock, ETF, fund or commodity you buy sits in your name. We simply help you invest it.

With read-only access — Centure can see payment amounts to compute round-ups, but it can never move money from your UPI app. On Android, with your permission, the app reads payment notifications on your device; parsing happens on-device, and only the amount and merchant are used.

Yes — that's the point of a lot. Instead of buying a single stock, each sweep goes into a curated, diversified basket that matches the risk profile you picked, so your portfolio spreads across stocks, ETFs, funds and commodities over time.

Yes. There are no lock-ins — you can pause round-ups or withdraw whenever you like. Because everything is in your own demat account, your holdings are always yours.

Centure is free to start, with a ₹0 minimum. An optional paid plan unlocks advanced features — see the Pricing section on our home page for the current details. Brokerage and statutory charges are set by your broker.

We use bank-grade security — encryption in transit and at rest, access controls and monitoring — and we never sell your personal data. See our Privacy Policy for the full detail.