Questions people ask before they invest

A Systematic Investment Plan is a fixed amount invested in a mutual fund on the same date every month, auto-debited from your bank account. Many schemes accept a SIP from ₹500 a month.

No single fund suits everyone. The right choice depends on your goal, how many years you have and how much ups and downs you can sit through. We first fix the category (large cap, flexi cap, index, hybrid, debt) and then shortlist a few schemes with written reasons.

Yes. Mutual funds are market linked and the value can fall, sometimes sharply, especially in equity funds over short periods. That is why we match equity funds to goals that are at least five years away. Mutual fund investments are subject to market risks, read all scheme related documents carefully.

Yes. You can pause or stop a SIP at any time, and what you have already invested stays invested. If you redeem units early, the fund may charge an exit load, commonly within the first year in equity funds. We tell you before you sell.

A term plan gives a large life cover for a low premium. Plans that promise money back usually give much smaller cover for the same premium. We prefer to keep insurance and investment separate so each does its own job.

A common starting point is 10 to 15 times your yearly income, plus any big borrowings still outstanding, minus investments you already hold. We work out the number with you.

Employer cover usually ends when you leave the job and may be too small for a family. A personal policy keeps its waiting periods running and stays with you.

Yes. We help with the claim form, documents and follow-up with the insurer. The final decision on a claim is always made by the insurer.

A short written document that lists your goals, the amount and date for each, the monthly SIP needed, the fund category for each goal and the insurance you should hold. You can read it in ten minutes.

No. Many investors start with a SIP of ₹500 or ₹1,000 a month and raise it each year as their income grows.

A short set of questions about your age, income, savings and how you would react if your investment fell for a year. The answer helps us decide how much should go into equity and how much into debt.

At least once a year, and whenever something big changes: a new job, marriage, a child, a house purchase or retirement.

No separate fee for advice, planning or reviews. We earn a trail commission from fund houses on regular plans and a commission from insurers, both disclosed to you.

Always to the fund house or insurer directly, from your own bank account, in your own name. We never collect cash or cheques in our name.

Yes. You can meet us face to face, or we can do a video call with your family. Most of the paperwork after that is online.

Yes. Send us your consolidated account statement and we will review it free of charge. If you want us to manage it from then on, we explain how a change of distributor works.

Neither. We are an AMFI-registered mutual fund distributor (ARN to be added) and offer insurance through partner insurers.

PAN card, Aadhaar, a cancelled cheque or recent bank statement, a photo and nominee details. KYC is done online with e-sign.

Yes. Once your KYC is registered it works across fund houses. You only update it if your name, address, mobile or email changes.

Yes. A minor folio is opened in the child's name with a parent as guardian. You need the child's birth certificate, the guardian's KYC and a bank account in the child's name.

Send us a change of bank request with proof of the new account. We prepare the forms and track it until the fund house confirms.