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Your feedback, questions or suggestions are always welcome at Mool.

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If you have a press or media enquiry, contact us through our newsroom

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Interested in partnering with Mool? Reach out to us to get started.

  • Mool Capital Private Limited

    Registered Address:
    4066, SECT B, PKT 5/6, VASANT KUNJ, NEW DELHI, 110070 INDIA

    Corporate Address:
    5th Floor, Woxa IT Park Tower, 463, Rao Gajraj Singh Marg, Phase V, Udyog Vihar, Sector 19,
    Gurugram, Haryana 122016

  • 8287-000-800

Frequently asked questions

Questions about Mool? We’ve got answers.

Mool is a financial app designed to bring all aspects of your financial life in one place and help you take good actions. We are not a bank but a platform for digital financial services in partnership with an RBI licensed Bank, SEBI licensed AMCs, and IRDA licensed Insurers.

With Mool in your life, you can do more with your money.

Mool offers Secured Credit Cards in partnership with SBM Bank India. These cards are linked to a virtual bank account balance you maintain on the Mool app.

These cards are pre-funded by your own money. The balance in your active virtual account is used to fund your Secured Credit Card. You can withdraw this amount any time you want as these are 0 balance virtual accounts.

The best feature of this card is its ability to build your credit score every time you make a card payment.

There is no fear of defaulting as monthly credit card bills do not apply for these cards. There is no credit provided in these cards.

Please note that you will need to open a virtual bank account to activate and use it from within the Mool app. These virtual accounts are 0 balance accounts and they do not offer any interest on the balance maintained.

Finding the right investment options is quite difficult but we make it easy at Mool.

We offer you two amazing options to grow your extra savings and build long term wealth.

- Mool Flexi Deposit: It’s like a Fixed Deposit but is very flexible. Invest any amount you want and get up to 10% returns per annum. What’s more? You can withdraw this money anytime without any extra fees. This is a P2P debt product and we have partnered with Lendbox to offer it to you.

- Portfolio Investment: We create customised investment portfolios where we pick the right mutual funds based on your risk appetite and goals.

Mool brings together champions of the financial services industry to champion you with best-in-class products. Our systems are compliant with bank-grade-security and we are PCI-DSS compliant.

We have deployed state-of-the-art technology to ensure our systems maintain strong security measures. We comply with the latest RBI regulations and regularly bring in auditors certified by the Computer Emergency Response Team (CERT-IN) to do periodic external testing and audits.

We take the privacy of your data very seriously and enable complete control over your information.

Rest assured, your data and money is safe when you use your Mool app.

As per the Reserve Bank of India, it is mandatory to complete the Know Your Customer (KYC) process to authenticate your identity and address.

Please note that you will not be able to access all the features of the Mool app or transact using the SBM Bank Secured Credit Cards without successfully completing the KYC process.

Don’t worry. The entire KYC process can be done within 5 minutes from your Mool app.

We will need your PAN, Aadhar number and access to your Aadhar-registered phone number. A One Time Password (OTP) will be sent to your Aadhar-registered mobile number to authenticate your identity.

Apart from this, we will also need some personal information like your full name, address and a few other details.

To access your Mool Investment Account, do ensure that your front camera is working to take your selfie and video. You will also need to sign on a white paper and upload the picture to start investing in the Mool app.

You don’t have to go to a bank branch to complete your KYC. You can complete the entire KYC process from your Mool app. With Mool, you can enjoy a contactless onboarding process and if you absolutely need someone to help you, please write to [email protected] .

Mool offers Secured Credit Cards in partnership with SBM Bank (India) Limited. These cards are linked to a virtual account you open after completing the KYC process in the Mool app.

The virtual account you open in the Mool app is a 0 balance account and does not offer any interest on the balance maintained in this account.

To use this card, you will be required to add money to your virtual account linked with the card. Your virtual account balance will be your card limit.

With every payment you make using your card, you will be able to build and improve your credit score.

We offer Secured Credit Cards in partnership with SBM Bank India. Your card is linked to the balance maintained in the virtual account you open on the Mool app.

It works like a debit card meaning you can only spend the money you have loaded into your linked virtual account.

With every payment you make using this card, you will be able to build and improve your credit score.

This card was designed to help first time credit card holders to build credit score without taking credit and allows others to improve their credit score.

In order to be eligible for availing the SBM Bank Secured Credit Cards, you shall be required to successfully complete the KYC process and activate your virtual account through the Mool Mobile Application (“Mool App”).

After successfully activating your virtual account and completing your KYC process, a virtual credit builder card will be assigned to you free of cost.

You are encouraged to add funds to your account to be able to use your virtual secured credit card.

If you would like to order a physical Secured Credit Card, you will be charged a one-time fee of Rs 199. Payment for the physical card will be debited from the balance you maintain in the linked virtual account.

Yes. When it comes to your Credit Builder Card, you can change your card settings anytime on your Mool app.

- Want to increase or decrease your card limits, manage it on the Mool app.
- You can activate or deactivate your card temporarily on the Mool app.
- Lost your card, block it immediately on the Mool app

At the end of the month, your card payments including total spends done on the card is sent to CIBIL.

Total spends done on the card will be considered as the credit limit for your Credit Builder Card. For example, if you spend INR 1,000 using your card, your credit limit will be considered as INR 1,000.

Please note that the monthly CIBIL report will mention your outstanding balance as "0".

This card allows you to build or improve your credit score and is perfect for people who do not have a credit history or for those who are looking to improve their credit score.

Yes. You can use your SBM Bank Secured Credit Cards to withdraw money from any ATM.

Be sure to select your card type as “Savings” while withdrawing money using your card.

Please note that for ATM transactions, you will be charged a nominal fee. Please refer to SBM Bank’s Most Important Terms and Conditions for details regarding fees and charges.

Figuring out how to and where to invest in mutual funds is super complicated. We make it easy for you.

We offer Growth Funds as an opportunity to create long term wealth. After you complete the Investment KYC and get assigned a customised investment plan, you can start adding funds into your Growth Funds.

When you add funds into your Growth Funds, your money is invested in different mutual funds that have been pre-selected for you according to the investment portfolio assigned to you.

Your investment portfolio is customised to your risk appetite and goals. This portfolio is specially built for you and thus helps you build long term wealth according to your terms.

Once you complete the risk tolerance questionnaire from your Mool app, we determine the right investment portfolio for you. This portfolio will have an asset allocation of mutual funds that suit your risk appetite.

There are 4 investment portfolios that are currently available on the Mool app. These are Diversify, Diversify+, Preserve+ and Flow.

Depending on your risk appetite and goals, one of the four plans will be assigned to you.

You can invest as little as INR 1,000 in your growth funds and it will be suitably allocated based on your customised investment portfolio.

We at Mool strive to ensure that your personal data is protected and secured. We follow the highest standards of safety, security and confidentiality of your data. Please check our Privacy Policy for more details.

If you are a Mool bank cum investment account holder, our Privacy Policy applies to you. In fact, for every Mool financial product or service you use, the Privacy Policy applies to you.

Under our Privacy Policy, all forms of data collected- be it your personal information for the products or services that you use are protected. If you want to know more about this, please check our Privacy Policy.

We collect your data to provide you with customized financial products and services. Your data helps us serve your needs and aspirations better. For more details, please check our Privacy Policy.

Your data security is our highest priority. We use the best security technologies and procedures to protect the data you share with us. To know more about this, please check our Privacy Policy.

To make the most of our Mool products and services, we request that you ensure that your personal information is accurate and current. If during your lifetime, your personal data changes, please write to [email protected] and our team will help you.

Mool Flexi-Deposit is a peer-to-peer (P2P) investment opportunity, available only for Mool customers.

We encourage you to try our Mool Flexi Deposit to invest your extra savings. You can withdraw this money anytime without any extra fees and you get up to 10% returns per annum.

We have partnered with Lendbox to offer your Mool Flexi Deposits.

Lendbox is an RBI registered NBFC-P2P Lending Company that operates in compliance with guidelines issued by the RBI.

We believe there should be no restrictions and lengthy processes when it comes to making money work for us.

We introduced Mool Flexi Deposits because we were tired of the “fixed” nature of fixed bank deposits.

Here are some super benefits when you make your Mool Flexi Deposits:

  1. Deposit as little as 100 rs
  2. Withdraw anytime, any amount
  3. No penalties, No extra charges
  4. Daily interest credited

What’s more? Get up to 10% returns per annum on your Mool Flexi Deposits.

It’s simple. The money you invest / add to your Mool Flexi Deposit gets loaned to verified people with high credit scores via Lendbox (an RBI-Certified NBFC - P2P Lending Platform).

For your Mool Flexi Deposits, you get up to 10% returns per annum. And you can withdraw any amount anytime with no penalties.

What’s more? Interest on your Flexi Deposits gets credited daily.

You can open your Mool Flexi-Deposits from your Mool app itself.

Here are the steps:

  1. Open Mool app
  2. Click on Investment Tab or open it from the main dashboard itself
  3. Complete a quick investment KYC process
  4. Once you are KYC approved, transfer money from your Mool bank account to your Flexi-Deposit account
  5. Money will be automatically deposited into your Flexi-Deposit account