The Story Behind NYVO: Simplifying Family Finance with Clarity and Confidence
In today’s world, personal finance has become a maze of opinions. Every influencer claims to have the best investment strategy, the smartest insurance hack, or the next big “money tip.”
Why NYVO Exists: Cutting the Noise in Family Finance
Personal finance online is crowded with opinions. Influencers pitch “smartest hacks” and “next big tips,” but families looking for truth, structure, and actionare often left overwhelmed. NYVO was created to change that dynamic with clarity and confidence.
Harsh’s Wake-Up Call: From Boardrooms to Bedtime Bottles
Harsh Soni—ex-CFO at slice; previously with Bank of America, Kotak Investment Banking, and SBI Capital Markets—had advised on 100+ IPOs, fundraises, and M&As, helping raise over USD $50B+ for Indian companies. Yet planning for his daughter Nysha’s education felt harder than structuring deals.
“I could structure a billion-dollar deal, but figuring out how to invest ₹50,000 a month for Nysha’s education felt harder than any IPO.”
He built practical frameworks for goal-based investing for children—how to plan, automate, and grow a long-term education corpus while balancing work and family. Those frameworks evolved into simple, repeatable systems he shared with other parents. With little Neel now in the picture, he jokes he has “real-time product testing” for every NYVO tool.
Kshitij’s Struggle: Making Sense of Insurance Chaos
When his parents lost corporate health cover, Kshitij took on the task—only to face jargon overload: deductibles, co-pays, room rent limits, and restoration clauses. Despite an IIT-Delhi & IIM-Ahmedabad pedigree (Institute Scholar, top 5%) and years at BCG, Essex Lake Group, and Slice, the “best policy in India” was always behind a sales pitch.
His takeaway was simple: India doesn’t lack information; it lacks aligned incentives and truth. He began parsing insurance documents line-by-line to identify what actually matters for families—and set out to build something his parents (and millions more) could trust.
Connecting the Dots: Two Sides of the Same Problem
Harsh focused on investing for children. Kshitij focused on protecting parents’ health. Both hit the same roadblocks—biased advice, complex jargon, and broken execution. NYVO emerged from lived experience and late-night conversations about what Indian families really need.
The Birth of NYVO: Finance That Empowers, Not Overwhelms
NYVO zeros in on two high-impact needs for families:
- Investing for children’s education with goal-based, automated plans
- Choosing the right health & term insurance with unbiased, transparent comparisons
No sales tactics. No hidden incentives. Just clean data, clear choices, and actionable next steps.
What Makes NYVO Different
1) Unbiased & Transparent
Our advise are data-driven and incentive-clean.
2) Built for Families—Not Day-Traders
Most platforms speak to speculators. NYVO speaks to parents, caregivers, and working professionals who want a reliable, long-term plan.
3) Deep Expertise with Real Empathy
Over two decades across global banks, fintech unicorns, and consulting—now channeled into simplifying money for real people.
4) Simple Tools → Actionable Outcomes
- College Fund Calculator to size and automate a child’s corpus
- Health Insurance Analyser to avoid fine print traps
- Guides that turn complex topics into step-by-step decisions
More Than a Product—A Movement
NYVO is where data meets empathy. Algorithms analyze, design simplifies, and families feel confident. It’s for:
- Parents planning a child’s education journey
- Adults securing health cover for their parents
- Families tired of being sold to—who want truth they can act on