About Niyam
Go beyond numbers.
Niyam reads the same notifications the government publishes, the CBDT circulars, the EPFO updates, the RBI and SEBI rulings, the fresh Gazette entries, and tells you, in plain rupees, what changed for your money. We built it for salaried Indians who want to plan with confidence, not decode legalese.
Money is rarely just a spreadsheet. It is the raise you are weighing, the regime you have to choose, the corpus you are quietly building. Our job is to take the noise off your plate so you can free yourself from financial stress and get on with the plan.
Why we built Niyam
Regulation is where personal finance actually changes.
Every year the rules that govern your money shift. A new tax regime becomes the default. EPF interest is credited at a revised rate. Surcharge thresholds move. A deduction you relied on quietly disappears. For most salaried Indians these changes arrive as a headline, a forwarded message, or a surprise on Form 16, long after the moment to act has passed.
Advice built on last year’s rules is advice built on sand. So we started at the source. Niyam reads regulation first and translates it into your situation, rather than selling you a product and hoping the rules cooperate. That is what going beyond numbers means to us: context, timing, and a reason behind every recommendation.
What we believe
Four convictions we do not compromise on.
Grounded and cited
Every figure Niyam shows traces back to a real source: a CBDT circular, an EPFO notification, an RBI master direction, a Gazette entry. Nothing is invented, and you can open the citation behind any number. If we cannot ground a claim, we do not make it.
Fee-only and conflict-free
We do not sell mutual funds, insurance or loans, and we take no commission from anyone who does. Niyam earns only from the people it advises, so the guidance you read is written for your balance sheet, never a distributor's.
Your income at the centre
Most tools start with a product and work backwards to your money. We start with your salary, your deductions and your goals, then read regulation through that lens. The feed only surfaces what actually moves the rupees in your account.
Privacy-first
Your payslip is yours. We collect the minimum we need to personalise your report, encrypt it in transit and at rest, and never sell or share it. Export everything or delete everything, whenever you want.
How it works
From the Gazette to your plan, in three steps.
Ingest the regulations
Niyam watches the official record every day: CBDT, EPFO, RBI, SEBI and the Gazette of India. New circulars, notifications and scheme launches are parsed, dated and filed the moment they land, so nothing that touches salaried money slips past.
Match them to you
Your salary structure, tax regime, EPF and goals form a private profile. Niyam maps each change against that profile and keeps only the ones that reach your money, so your feed stays short and every item on it earns its place.
Write the grounded report
The matched changes become a personalised advisory report: what changed, what it means in rupees, and what to do next, each point cited to its source. Download it as a rich PDF, take it to your CA, or simply act on it.
Start today
Free yourself from financial stress.
Book a walkthrough and we will show you your first personalised feed, or join the waitlist and we will bring Niyam to your inbox the moment your edition is ready.