Watch the record
Niyam reads CBDT, EPFO, RBI, SEBI and the Gazette of India every day, the moment they publish.
Go beyond numbers.
For the most ambitious people in finance.
Helping people plan their financial journey.
Niyam reads the latest CBDT, EPFO, RBI and SEBI changes the day they publish, then shows you, in rupees, what each one means for your salary, your savings and your next move.
Fee-only. Grounded in sources. Your data stays yours.
Personal briefing
August 2026 edition
2 open actions · Last scan 2 Aug 2026, 6:30 am
- Confirm your EPF wage ceiling election with HRDue 12 Aug 2026Rs 8,400-15,600/yr
- Submit a revised investment declaration to your employerDue 31 Aug 2026Rs 12,000-19,000/yr
Scanned 47 circulars this month; 2 reached this reader as actions.
Real government data
Tracking real regulations, updated continuously.
Niyam ingests primary sources straight from the authorities that write the rules. No aggregators, no hearsay. Every figure in your report traces back to a source.
- 8
- Primary sources tracked
- 44
- Rules and growing
- 47
- Circulars scanned this month
Income Tax DepartmentCBDT circulars and notifications
EPFOProvident fund and pension rules
Reserve Bank of IndiaMonetary policy and banking
SEBISecurities and markets
Gazette of IndiaOfficial government notifications
Union BudgetAnnual finance provisions
NSENational Stock Exchange
BSEBombay Stock Exchange
Your money as data
Every rupee, projected and grounded.
Niyam does not stop at a headline. It projects the corpus your choices build and shows the mix behind it, each figure computed and traceable. The charts below are illustrative.
Projected corpus
IllustrativeTarget asset mix
Illustrative- Equity55%
- Debt30%
- Gold15%
How it works
From the Gazette to your plan, one calm track.
Four steps turn the official record into a report that is yours. On desktop, scroll to move the track sideways; on a phone, swipe it.
Parse into rules
Each circular becomes a dated, structured rule, linked back to the official document it came from.
Match to you
Your salary, regime, EPF and goals form a private profile. Only the changes that reach your money get through.
Write the report
The matches become a grounded report: what changed, what it means in rupees, and the next step, each figure cited.
Why Niyam
Advice with nothing to sell you.
Four convictions decide what Niyam does, and what it will never do. They are why the report you read is written for your balance sheet alone.
Grounded reports
Every number is computed and cited. Open any figure and trace it back to the rule it came from.
Regulation-first
We start from your income and the law that touches it, never a product we are paid to sell.
Fee-only
We sell nothing and earn no commission. Our only job is your clearest financial picture.
Yours to download
A rich, print-ready PDF you can keep, file at tax time, or hand to your advisor.
Coming soon
Built to plug into the tools you already trust.
Soon you will bring your own documents to Niyam, on your terms. These connections are in the works.
DigiLockerSoon
NotionSoon
WhatsAppSoon
Coming soon
Secure data cards
Physical cards that safeguard access to your financial data, so it never lives in a browser tab.
Coming soon
An agentic document assistant
Upload confidential documents and let an assistant generate and analyse reports in a conversation.
Coming soon
A wallet for your documents
An encrypted crypto wallet that stores your financial statements and paperwork under your key.
Early access
Join the waitlist.
Be among the first to see your money through Niyam. We will email you the moment your first report is ready.
Personal briefing
August 2026 edition
2 open actions · Last scan 2 Aug 2026, 6:30 am
- Confirm your EPF wage ceiling election with HRDue 12 Aug 2026Rs 8,400-15,600/yr
- Submit a revised investment declaration to your employerDue 31 Aug 2026Rs 12,000-19,000/yr
Scanned 47 circulars this month; 2 reached this reader as actions.
Free yourself from financial stress.
Start with the changes that affect your money this year, and a report you can actually keep.