Products you've
earned the right to use.
Every product on GullakX is gated behind a Behaviour Score threshold. We protect you from products you're not ready for — not to limit you, but to protect your wealth from your worst impulses.
Builder — Foundation First
Financial Literacy Track
Structured curriculum covering budgeting, debt, SIPs, and basic investment concepts. Interactive, gamified.
Digital Gullak
Behaviour-tracking savings wallet. Every rupee saved earns Behaviour Score points and moves you toward Earner.
Goal Planner
Set financial goals with AI-assisted targets and timelines. Track progress daily. Integrates with your score.
Habit Engine
14 scientifically-designed micro-habits for Indian money patterns. Daily nudges. Streak tracking and rewards.
Budget Templates
Ready-made budget templates for different income levels and family sizes. 50-30-20 and custom allocations.
AI Behaviour Coach (Basic)
Weekly check-ins and reflections with your AI coach. Insights on your spending patterns and blind spots.
Safe Foundation — Proven Products
Index Funds
Low-cost passive investing in India's best companies. ₹100 minimum. No picking required.
Gold ETF & Digital Gold
Hedge against inflation with 24K gold. No storage cost, no purity risk. Start with ₹100.
PPF (Public Provident Fund)
Government-backed, completely tax-free returns. The safest long-term savings instrument in India.
NPS (National Pension System)
Pension corpus with market-linked growth. Extra ₹50K deduction over 80C. Low fund management charges.
Term Life Insurance
Pure protection — no investment component. ₹1 Cr cover for ₹8,000/year. The only insurance you need.
Fixed Deposits
Safe, predictable returns. DICGC-insured up to ₹5L. Useful for short-term goals.
Direct Equity — Market Ready
Direct Stocks
Buy individual company shares. Full research dashboard, behaviour-filtered watchlists, no broker commission.
Sectoral & Thematic Funds
Concentrated bets on specific sectors. Higher risk than diversified — requires Investor-tier score.
International Funds
Geographic diversification. S&P 500, Nasdaq, and global ETF funds. Currency hedge included.
ELSS Tax Saver
Equity Linked Savings Schemes — the only mutual funds with tax benefits under Section 80C.
REITs & InvITs
Own fractions of commercial property and infrastructure assets. Regular distributions, listed on exchange.
Multi-Asset Funds
Single fund with automatic rebalancing across asset classes. Smart core holding for complex portfolios.
HNI & Alternative Assets — Elite Access
AIF Category I
Venture capital, infrastructure projects, and social impact funds. Minimum ₹1 Cr. Accredited investors only.
AIF Category II
Private equity and debt funds with illiquid holdings. 3–7 year lockups. Significant alpha potential.
AIF Category III
Complex strategies including leverage and derivatives. High risk, high potential — for true Architects only.
Portfolio Management Services
SEBI-registered PMS managers handle your equity portfolio directly. Minimum ₹50L. Full transparency.
Unlisted Equity
Access to companies before they list. Pre-IPO shares, ESOP liquidations, and secondary transactions.
Alternative Assets
Fractional ownership of blue-chip art, rare collectibles, and structured credit products. Truly uncorrelated.
See which products
you've already earned.
Take the 3-minute Behaviour Score assessment to see your current tier and exactly which products are available to you today.