Bini

Bini is a byte-sized investment platform that helps you build wealth over time. You can invest in mutual funds, open a BO account online, and buy sanchayapatra, all from one simple app, with more asset classes coming soon.

Bini works only with regulated institutions, including Asset Management Companies (AMCs) and brokerage houses overseen by the Bangladesh Securities and Exchange Commission (BSEC). Every investment follows the rules set by regulators.

No, Bini never holds or manages your money. Your investments always stay with the financial institutions, AMCs for mutual funds and banks for sanchayapatra.

For monthly investments (SIP) in mutual funds, the AMC automatically pulls the investment directly from your bank account on the selected date.
For one-time investments (lumpsum) in mutual funds, you transfer the money directly to the AMC’s bank account.

Download the Bini app and sign up with your name, phone number, and email. Verify your phone, and your account will be ready to use.

Starting investing is easy.

Step 1: Upload your details: Your NID, image, signature, bank details and BO details (required only for mutual funds).
Step 2: Upload nominee’s details: Nominee’s NID, image and signature. Once done, you’re ready to invest anytime.

Bini makes investing simple, accessible, and completely online. It is the first platform in Bangladesh where you can invest in multiple mutual funds and sanchayapatra from one place.

Invest in multiple funds with a single profile, no need to submit your details repeatedly.
Track your investments easily: see how much you’ve earned, transaction history, dividend history, and all investment details in one place.
Get clear insights into where your mutual fund invests, by company and sector, along with dividend history.
Learn and make informed decisions with your Personal Finance Buddy, which explains money and investment concepts in simple language.
Plan smarter with the investment calculator, which shows potential returns before you invest.
Sell investments conveniently.

A mutual fund is when a licensed professional manages and invests your money for you. Instead of researching the market yourself, a fund manager pools your money with others’, chooses the right investments, and manages everything on your behalf. It’s the easiest way to invest without needing expertise or constant monitoring.

A BO (Beneficiary Owner’s) account is your digital locker for mutual fund units and stocks. You need one to invest in mutual funds or stocks. With Bini, you can open a BO account fully online and get the first year’s maintenance fee waived if you invest any amount after opening.

SIP (Systematic Investment Plan) means investing a fixed amount every month on a fixed date in a mutual fund. It is the easiest way to build wealth over time.

Once your profile is complete, you need to do the following steps to start your SIP:

Choose a mutual fund
Enter the amount
Select the pull date (when AMC will deduct the amount)
Choose a dividend option

That’s it your SIP is set up and will run automatically every month.

You can start a SIP with as little as BDT 1,000 per month.

SIP doesn’t guarantee immediate profit. But over time, it can help you build significant wealth. By investing a fixed amount every month, you buy more units when prices are low and fewer when prices are high, averaging your cost. Over the long term, compounding can make your returns grow significantly.

Using Bini is mostly free. But Bini creates agent partnerships with the financial institutions in order to earn fees.

Mutual fund investments: No fee
BO account opening: No fee
Sanchayapatra investments: BDT 399 per request
Selling mutual funds: BDT 149 per request
Sanchayapatra encashment: BDT 99 per request
Sanchayapatra certificate requests: BDT 49 per request

Find answers to common questions about Bini and our services

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