An invisible problem. A clock that's already ticking.
Over the next 25 years, India will face one of the largest retirement transitions in human history. Unlike previous generations, they won't have guaranteed pensions, large joint families, or low costs of living to fall back on.
Life expectancy is rising, inflation is relentless, and the responsibility of funding 25–30 years of retirement is quietly shifting onto the individual.
Right now this is invisible. It doesn't hurt today — which is exactly why it's so dangerous. By the time it becomes obvious, the most valuable asset for solving it, time, will already be gone. niji.money exists to make this problem visible, and solvable, while there's still time to act.
Money, made personal.
personal, close to you
Retirement isn't a market index or a spreadsheet - it's your future, your family, your independence. We named the company niji because money should feel personal, not intimidating. Your corpus is yours alone, and the decisions around it deserve to be understood, not outsourced.
The team behind niji.money.
Jitesh is a product and business executive with 20 years of experience building, scaling, and commercializing enterprise software platforms across FinTech, HealthTech, AI, and Digital Public Infrastructure.
Before starting niji.money, he was leading Product and Solutions at IBDIC, a Digital Public Infrastructure company backed by 18 leading Indian banks, where he played an instrumental role in setting up the initial building blocks of Bharat Trade Net.
Previously, he founded and successfully exited a HealthTech SaaS company serving pharmaceutical organizations across the US and Europe. As a founding executive at SiftHub, he helped establish the company's GTM motion and brought in the first enterprise revenue.
His track record includes scaling products from zero-to-one, leading enterprise SaaS businesses, driving customer adoption, building high-performing teams, and delivering business outcomes through product innovation.