Appreciate’s app helps Indian investors access global markets

Appreciate Team (Left To Right) Yogesh Kansal (CMO), Subho Moulik (CEO) & Shlok Srivastav (COO)
Appreciate Team (Left To Right) Yogesh Kansal (CMO), Subho Moulik (CEO) & Shlok Srivastav (COO)

Mumbai based SEBI and IFSCA registered fintech firm Appreciate launches low-cost investment platform for Indian investors to access global markets. In collaboration with YES Securities and Samhita, Appreciate offers a diverse range of investment and savings products, including equity investments, savings accounts, and fixed deposits.

Appreciate breaks down barriers for investing outside India, from India – removing high remittance fees, hidden charges, and minimum investment amounts. With this app, millions of Indians to invest in the $46 trillion U.S. stock market effortlessly. Investors can now purchase fractions of leading global stocks for as little as Re. 1.

The company was founded by Subho Moulik (CEO), Shlok Srivastav (COO), and Yogesh Kansal (CMO).

Mr. Subho Moulik, Founder and CEO of Appreciate, said, “This is huge savings and returns unlock where millions of people want to take the first step towards financial diversification but have always been deterred by high minimums, high fees, and a poor experience. We have solved bottlenecks others have failed to solve to make investing in U.S. stocks easy and low-cost.  With Appreciate, even a kirana store owner in Vidarbha can open a free U.S. trading account, buy a fraction of any U.S. stock for as little as Re. 1 – and participate in the growth story of these companies.”

He added, “Today, an investor needs to go to their bank, fill out an A2 form, identify and sign-up with a brokerage firm abroad, and then pay anywhere between Rs. 500 to Rs. 1,500 for the wire transfer, on top of dealing with the back and forth with a bank on remittance processing. This has been a key challenge for Indian investors who want to diversify their investments abroad – a challenge that we have worked on diligently and solved.”

Appreciate’s partners include YES Securities – a leading full-service Indian broker – for cost-effective access to Indian securities, and Samhita – a leading social sector financial inclusion and livelihoods accelerator – to promote financial literacy, a key enabling step towards driving mass adoption of regular saving and investing habits.

Appreciate’s user-friendly interface offers personalized investment recommendations and expert insights, supported by an AI-driven recommendation engine. Beyond U.S. stocks, the platform plans to expand its offerings to include Indian mutual funds, stocks, fixed deposits, and other domestic financial products, aiming to become the go-to financial destination for one billion Indians.

Mr. Prashant Kumar, Chairman of YES Securities (India) Limited, said, “Our partnership with Appreciate signifies a landmark moment where 1.4 billion Indians gain the unique opportunity to not only invest but to truly create wealth, now with seamless access to overseas markets. I firmly believe that this collaboration is not just about expanding our scale and distribution; it’s about elevating the standard of service we provide to our customers. Together, we see an exciting journey of innovation and growth that will have a lasting impact for years to come.”

Ms. Priya Naik, Founder and CEO of Samhita said, “Our partnership with Appreciate to drive financial literacy and empowerment using digital learning supplemented by digital saving and investing tools will provide support to women and those sections of society that are beginning their saving and investment journeys.  This is a key step to help 1.4 billion Indians build resilience through a regular saving and investing habit.”

In addition to providing a full suite of savings and investment products for consumers, Appreciate also has a strong B2B technology solution stack across investments, remittances, financial distributor management, cash management, credit sourcing, credit scoring, and Gen-AI applications.  The company works with multiple financial sector customers to embed these B2B technology solutions into B2B customer applications and customer interfaces, enabling B2B customers to achieve their product and customer goals better and faster.


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