In this Liquide vs Univest comparison, we’ll explore two of India’s most promising investment apps for retail investors and traders.
Use Liquide App Referral Code: UA6PZQ – Get 200 Coins Bonus & Free Portfolio Health Check
While Liquide focuses on AI-powered portfolio health checks and expert stock advice, Univest aims to deliver stable, fixed-income returns and SEBI-registered trade ideas.
Both apps are disrupting India’s investment ecosystem — but they serve very different needs. Let’s see which one fits your wealth-building goals best. 👇
Also Read: Univest vs Waya – Which Investment App Is Better for Indian Investors?
🧩 Quick Comparison: Liquide vs Univest
| Feature | Liquide | Univest |
|---|---|---|
| Platform Type | AI-powered Portfolio Health & Stock Insights | Fixed-Income & Expert Trading Ideas |
| Referral Code | UA6PZQ | DEEP5164 |
| Download App | 📲 Liquide App | 📱 Univest App |
| Core Function | Portfolio Analytics + Stock Advice | Fixed Returns + Trade Ideas |
| Expected Returns | Market-linked | Up to 12% p.a. |
| Regulatory Status | SEBI-Registered Research Analysts | SEBI & RBI-regulated Partners |
| Signup Bonus | 200 Coins | ₹7000 Rewards |
| Best For | Stock Investors & Traders | Fixed-Income & Balanced Investors |
| Platform Availability | Android, iOS | Android, iOS |
Check out my latest analysis on Univest vs Waya and KCEX vs BloFin for more fintech insights like this Liquide vs Univest comparison.
🧠 What Is Liquide?
Liquide is an AI-driven investment advisory and portfolio tracking app that gives users a 5-minute health check of their stock portfolio.
It highlights potential red flags 🚩, recommends better allocation strategies, and provides expert opinions on individual stocks.
🔹 Key Features of Liquide
- 🧠 AI-based Portfolio Analysis: Evaluates diversification, risk exposure, and stock quality.
- 📊 Stock Health Check: Instantly flags overvalued or underperforming holdings.
- 💬 Expert Recommendations: SEBI-registered advisors provide personalized insights.
- 🎁 Rewards Program: Earn coins for using the app and referring friends.
- 🪙 Referral Code: Use UA6PZQ to earn 200 bonus coins on signup.
- 📲 App Link: Download Liquide App
💬 “Ever wondered about your portfolio’s health? Liquide helps you assess, optimize, and plan smarter — all in 5 minutes.”
💰 What Is Univest?
Univest is a hybrid wealth platform offering both fixed-income investment products (with up to 12% annual returns) and SEBI-certified trading ideas for active investors.
It’s designed for users who want stable returns and data-backed trading opportunities without high risk.
🔹 Key Features of Univest
- 💰 Earn up to 12% p.a. with secure fixed-income products.
- 📈 Expert Trade Ideas across Equity & Futures segments.
- 🧾 SEBI-verified financial research & advisors.
- 🏦 RBI-regulated investment channels for safety.
- 🎁 Signup Bonus: ₹7000 rewards using referral code DEEP5164.
- 📲 App Link: Download Univest App
💬 “Univest is a one-stop solution for stable returns, SEBI-verified trades, and smarter investment ideas.”
⚖️ Liquide vs Univest: Detailed Feature Comparison
| Category | Liquide | Univest |
|---|---|---|
| Core Offering | AI-powered Portfolio Analysis | Fixed-Return Investments |
| Target Users | Stock Market Investors | Safe, Passive Investors |
| Returns Type | Market-dependent | Guaranteed (Up to 12% p.a.) |
| Expert Source | SEBI Registered Analysts | SEBI-verified Advisors |
| Rewards | 200 Coins per Referral | ₹7000 Signup Bonus |
| Investment Minimum | None (analysis-based) | ₹1000 (for fixed products) |
| Platform Security | High – SEBI Compliant | High – RBI + SEBI Regulated |
| Ease of Use | Very Beginner Friendly | Simple Dashboard, Instant Plans |
📈 Liquide – How It Helps You Invest Smarter
Liquide’s real strength lies in its AI analytics.
It gives your portfolio a “Health Score” — helping you visualize diversification, performance, and risk exposure.
🔍 What You Can Do with Liquide
- Check your Portfolio Health Report in minutes.
- Get Actionable Insights on which stocks to hold, sell, or add.
- Use Smart Alerts to rebalance your investments.
- Earn Rewards for consistent app engagement.
💡 Example:
If you hold 15 stocks, Liquide identifies underperformers, overexposure sectors, and gives advice like “Reduce reliance on small-cap funds” — all in real-time.
💵 Univest – How It Helps You Grow Wealth Consistently
Univest provides stable investment plans offering returns up to 12% per annum, plus trading recommendations for users seeking higher growth.
🔍 What You Can Do with Univest
- Invest in short-term fixed-income plans safely.
- Access Equity & Futures ideas backed by SEBI research.
- Track real-time ROI and insights through the Univest dashboard.
- Withdraw anytime without penalties.
💡 Example:
Invest ₹50,000 → Earn ~₹6,000 yearly + expert market calls on active stocks.
🔐 Safety & Regulation Comparison: Liquide vs Univest
| Safety Parameter | Liquide | Univest |
|---|---|---|
| Regulatory Body | SEBI Registered | SEBI + RBI Compliant |
| Funds Handling | Advisory Only | Investment Execution |
| User Data Encryption | ✅ AES-grade Security | ✅ Bank-level Encryption |
| Transparency | ✅ Full Portfolio Reports | ✅ Live Investment Dashboard |
✅ Verdict: Both are safe; Univest offers RBI-regulated financial products, while Liquide ensures research-grade safety.
🧑💼 Which App Should You Choose?
Choose Liquide if:
- You already have a portfolio and want AI-led optimization.
- You prefer personalized, SEBI-verified stock analysis.
- You enjoy a data-first approach to long-term wealth building.
👉 Download Liquide App and use Referral Code: UA6PZQ for 200 bonus coins.
Choose Univest if:
- You want predictable returns with no volatility.
- You prefer guided investments and expert-led trades.
- You like earning rewards upfront with ₹7000 bonuses.
👉 Download Univest App using Referral Code: DEEP5164 to start earning.
⚖️ Final Verdict – Liquide vs Univest
| Verdict Area | Winner |
|---|---|
| Portfolio Health Analysis | Liquide |
| Fixed-Income Returns | Univest |
| Beginner Friendliness | Univest |
| Stock Market Insights | Liquide |
| Overall ROI Stability | Univest (by edge) |
After reviewing Liquide vs Univest, the conclusion is clear — both apps cater to different styles of investors.
Final Take:
If you’re a hands-on investor tracking stock portfolio, go for Liquide.
If you’re a growth-oriented investor looking for safe, fixed returns, Univest wins easily.
💬 Pro Tip: Use both together — Liquide for portfolio tracking and Univest for earning passive income.