Is the money real?

No. Kulraise keeps a record of money you hold for your child. Nothing moves until you pay it out yourself.

When a habit pays ₹10, the app writes down that your child has ₹10 more. The rupees stay with you until you hand them over or spend them for your child.

Gifts from linked families are the one place real money moves, and it moves outside Kulraise, in the sender’s UPI app.