Mutual funds

Discipline, automated.

A mutual fund pools money from thousands of investors. A SEBI-regulated AMC invests it to a stated mandate. You own units. The value moves with the market. Time does the heavy lifting.

Start a SIP Run the numbers

Know what you own.

SEBI sorts every scheme into a category. The category tells you the risk before the name does.

Equity

Invests mainly in shares. Highest long-term potential, sharpest short-term swings. Built for horizons of five years or more.

Debt

Invests in bonds and money-market instruments. Lower volatility, but not risk-free: credit and interest-rate risk apply.

Hybrid

Holds equity and debt together. The mix sets the risk. Balanced advantage schemes shift it as markets move.

Index & ETF

Tracks an index at low cost. You get the market's return, minus a small tracking difference. No manager's call involved.

ELSS

Equity schemes with a three-year lock-in. Qualify for Section 80C deduction under the old tax regime.

Riskometer

Every scheme carries a SEBI riskometer from Low to Very High. Read it first. We match it to your profile.

SIP or lump sum

Rhythm beats timing.

A SIP invests a fixed amount every month. You buy more units when prices fall and fewer when they rise. No forecasting required.

	SIP	Lump sum
Best for	Monthly income	Bonus, sale proceeds, maturity
Entry risk	Spread over time	Concentrated on one day
Minimum	Often ₹500 a month	Often ₹1,000–₹5,000
Pairs with	Annual step-up	STP into equity over months

Regular vs direct

The difference, stated plainly.

Every scheme has two versions. A direct plan you buy straight from the AMC, with no distributor. A regular plan you buy through a distributor like us.

The regular plan carries a higher expense ratio, because it includes our commission. Over long periods, that difference compounds against you. What you get for it: product selection support, onboarding, paperwork, reviews and a person to call.

We distribute regular plans only. If you want direct plans, buy them from the AMC or a SEBI-registered platform. We'd rather you know.

To start

Ten minutes of paperwork.

PAN card
Aadhaar for eKYC, or another address proof
Bank account with a cancelled cheque or statement
Nominee details
A mobile number and email in your own name

Questions

Straight answers.

Can I lose money in a mutual fund?

Yes. Unit values move with the market. Equity schemes can fall sharply in a bad year. Debt schemes can lose value if rates rise or an issuer defaults. Nothing here is guaranteed.

Can I stop or pause a SIP?

Yes. Most AMCs let you pause or cancel at any time with no penalty. Exit loads may apply if you redeem units within a set period, usually one year for equity schemes.

Where is my money held?

With the scheme's custodian, in units registered in your name. The AMC's registrar keeps the records. We never hold your money or your units.

How are gains taxed?

It depends on the scheme type and how long you hold it. Rules change with each Budget, so confirm the current treatment with a tax professional before you redeem.

The first SIP is the hardest move.

Make it now