MIV Treasury moves idle corporate cash into SEBI-regulated instruments earning 7–12% pa with T+1 liquidity, complete safety, and zero fees
You built a real business. But between your P&L and your balance sheet, there's a number nobody talks about: how much your idle cash is costing you every single month.
Businesses park crores in current accounts earning nothing. On ₹5 Cr idle, that's ₹0.35–0.50 Cr lost every year vs what it could earn in a liquid fund.
Traditional FDs offer 5–6% with mandatory lock-in. Break early and lose 1–2%. A ₹5 Cr FD at 5.5% earns ₹0.275 Cr/year — MIV earns ₹0.475 Cr on the same corpus.
You're building a company. Treasury optimisation takes expertise and bandwidth you don't have. MIV is the treasury team you never had at zero cost.
SEBI-regulated liquid funds, arbitrage funds and SIF, each instrument is safe, liquid, and earns 2–6% more than your FD. Onboarding takes 2–3 days. We handle everything.
We match your corpus, liquidity need, and tax bracket to the right instrument. Every recommendation comes with full documentation and complete transparency.
The safest upgrade from a current account or FD. AAA-rated instruments, T+1 redemption, and consistent 6–7% returns with no lock-in.
Same risk as a liquid fund, but taxed at 12.5% LTCG after 12 months instead of your 30% slab. That difference is worth ₹0.02–0.03 Cr per crore, annually.
SEBI's newest regulated asset class (April 2025). Bridges the gap between mutual funds and PMS at ₹10L minimum — professional long-short strategies in a fully regulated structure.
Tell us where your cash is sitting and what it's earning. We'll show you the gap — and exactly which MIV instrument closes it.
Free. Instant. No signup required.
We charge zero fees. Atishay personally responds within 24 hours.
Atishay puts his personal capital into every instrument he recommends. You'll never be asked to go where he hasn't gone himself.
Funds held in your company's name with SEBI-registered custodians. We never touch your capital. If MIV shut down tomorrow, your investments are unaffected.
T+1 on liquid and arbitrage funds means money in your account the next business day. No conditions, no penalties, no approval needed.
A Chartered Accountant with 10+ years across financial services, corporate treasury and investment advisory. Built MIV Treasury because he saw firsthand at Razorpay, KPMG and Deloitte that how much money businesses were losing by not optimising their treasury. He invests his own money in every instrument he recommends.
"Most founders find out 2–3 years in that their idle cash has cost them ₹0.30–0.40 Cr in missed returns. That money should be funding their next hire, next campaign, next bet — not sitting still in an FD."
We understand your corpus, liquidity needs, tax situation and risk appetite. Honest conversation and no pitch.
Day 1We map your capital to the right instrument mix with full rationale, risk disclosure and projected returns in writing.
Day 1–2We handle all KYC and documentation. Your team spends under 2 hours total. We do the rest at zero cost to you.
Day 2–4Live dashboard. Daily NAV. One-click redemptions. Monthly reports. Atishay available on WhatsApp always.
Ongoing| Feature | ✦ MIV Treasury | Bank FD | Current Account |
|---|---|---|---|
| Annual Returns | 7–12% p.a. | 4–6% p.a. | 0% |
| Liquidity | T+1 — next business day | Locked / Penalised | Instant but 0% return |
| Safety | SEBI regulated, segregated custody | DICGC (up to ₹5L only) | No investment protection |
| Early Withdrawal | No penalty, any amount | 1–2% penalty | N/A |
| Tax Efficiency | 12.5% LTCG (arbitrage) | 30% slab rate | N/A |
| Fees | Zero — forever | Embedded in low rates | Transaction charges |
| Transparency | Daily NAV, full portfolio | Rate only | None |
| Partial Redemption | Any amount, any time | Must break entire FD | Yes |
| Defaults Since 2020 | Zero | Bank-dependent | N/A |
No jargon. Practical articles written for Indian founders and CFOs who want to understand exactly how to make idle cash work harder.
One 30-minute call. A personalised strategy in writing. Onboarded in 3 days. Zero fees — and Atishay available on WhatsApp, always.
We review every submission and responds within 24 hours with a specific, actionable strategy tailored to your corpus, tax situation and liquidity needs. No pitch. No pressure.
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