Frequently Asked Question
Happy to Answer All Your Questions
In mutual fund investments, money is pooled from various individual/corporate investors and invested in financial instruments like stocks, money market instruments, government bonds, and corporate bonds. Mutual funds offer the diversification, lower risk, and professional investment management benefits.
No, the lock-in period is not applied to equity-based mutual fund schemes unless specified in the KIM (key Information Memo).
Some debt-based schemes or fixed-maturity plans can have a locking period, which the investor is informed about when purchasing.
Due to the dynamic nature of the equity markets, there can be a situation when the current market price is less than the purchase price. This is a nominal loss, not an actual loss, as long as investors remain invested.
Returns cannot be guaranteed as per compliance with SEBI rules. However, our historical returns in the last ten years were 18% CAGR.
There are specialized Mutual Funds, known as Equity Linked Savings schemes, where Tax exemption under Section 80CCC of Indian Income Tax is applicable up to the standard limit of INR 150000/-
Apart from the above, under the Indian income tax laws, no Tax exemption/ relief applies to any Mutual Fund investments.
As per Income Tax regulations, returns from Mutual Funds are considered under a separate section of Capital Gains in India. Such gains are not added to the investor’s income but treated separately, irrespective of the investor’s Income Tax Slab/ Tax liability.
For Equity based Mutual Funds:
Short-term (defined as less than 365 days of holding): 15% on the Capital gains, where STT(standard Transaction Tax is deducted)Long-term (defined as more than 365 days of holding): 10% on the Capital gains, where STT(standard Transaction Tax is deducted). Standard Exemption of 1Lakh per PAN per financial year is applied.
For non-equity based Mutual Funds:
Includes all debt / Liquid/ Fixed Income schemes Short-term (defined as less than 3 years of holding): Added to overall income and tax liability as per the Income Tax slab applicable. Long-term (defined as more than 3 years of holding): 20% on the Capital gains after applying the Indexation benefit
No. Investments can be made directly in mutual funds without opening a Demat account. In principle, these are physically held, though only e-statements are provided to the investors unless explicitly requested. For ALL such investments, all transactions (purchase/ switch/redemptions) can be done online.
Your bank’s distribution services cover investments made via your Internet banking portal. To avail of our services, investors must invest via modes that state our AMFI-ARN registration codes. These include both online and offline modes of investment.
We work exclusively with the elite and the affluent. Our client base consists of investors willing to commit a minimum of INR 5 million (INR 50 lakhs) over a 2-3-year period.
In compliance with the regulations, we DO NOT collect any advisory fee from our clients for mutual fund distributors in India. Details of the distribution fees or commissions are provided to the investors in their consolidated account statements.
It’s best to review the investments at most twice in the very first year. After that, regular quarterly reviews can be done as and when the need arises. Our investors can rest assured that we constantly review their portfolios. Formal reviews are an opportunity to interact and plan.
We will provide you with portfolio access through our website, from which you can see your fund portfolio’s daily performance. In addition, we will send you regular Excel sheet-based updates and detailed analyses of your fund portfolio. This will help you understand your as-of-date returns and allocation to various segments and provide direction on how to plan further. For your convenience, you may also use authorized apps provided by the mutual fund registrars (CAMS & Karvy Fintech) to track and transact.
Call or contact us, and we will get started after understanding your investment objectives.
KYC is an acronym for ‘Know Your Customer’, a term used to identify customers whenever they open an account with a financial entity. This process establishes the investor’s identity through relevant supporting documents. As per the guidelines of SEBI (Securities & Exchange Board of India), investors must be KYC compliant to invest in any Mutual funds in India.
This is mandatory under the Prevention of Money Laundering Act 2002.
List of KYC documents for individuals:
– Proof Of Identity (PAN mandatory)
– Proof of Address
– Passport size photo
– KYC form FOR NRIs/Overseas Indians / Person of Indian Origin:
– Copy of passport along with PIO/ OCI card
– Overseas address proof
Our clients include investors from the US, Canada, Australia, Europe, the Middle East, and Singapore. We work with NRIs/OCIs from all regions within the framework of any applicable investment norms.
Foreign nationals cannot directly invest in Indian Mutual Funds. Instead, they must use the foreign portfolio investment (FPI) route to invest in shares of India’s listed companies.
Investors, whether individuals or firms, must register with the country’s market regulator and adhere to its disclosure requirements.
We do not collect any payment/ fees from our clients.
While investing, the client will pay the mutual fund company directly via cheque or any online platform (UPI/Net banking/NEFT) from their registered bank account.
As per the SEBI regulations, third-party payments and cash payments are not allowed forinvestment in Indian Mutual Funds.
All transactions are made through safe, SSL, encrypted channels provided by registrars such as CAMS (Computer Aided Management System), Kfintech, or the online platforms provided by the mutual fund company itself. No Third-party participates in making these investments. We do not use any third-party/cloud-
based platforms to transact or track investments. Our reporting tools are also in-house, avoiding any data leaks.
No, we don’t charge for any consulting services.
In mutual fund investments, money is pooled from various individual/corporate investors and invested in financial instruments like stocks, money market instruments, government bonds, and corporate bonds. Mutual funds offer the diversification, lower risk, and professional investment management benefits.
No, the lock-in period is not applied to equity-based mutual fund schemes unless specified in the KIM (key Information Memo).
Some debt-based schemes or fixed-maturity plans can have a locking period, which the investor is informed about when purchasing.
Due to the dynamic nature of the equity markets, there can be a situation when the current market price is less than the purchase price. This is a nominal loss, not an actual loss, as long as investors remain invested.
Returns cannot be guaranteed as per compliance with SEBI rules. However, our historical returns in the last ten years were 18% CAGR.
There are specialized Mutual Funds, known as Equity Linked Savings schemes, where Tax exemption under Section 80CCC of Indian Income Tax is applicable up to the standard limit of INR 150000/-
Apart from the above, under the Indian income tax laws, no Tax exemption/ relief applies to any Mutual Fund investments.
As per Income Tax regulations, returns from Mutual Funds are considered under a separate section of Capital Gains in India. Such gains are not added to the investor’s income but treated separately, irrespective of the investor’s Income Tax Slab/ Tax liability.
For Equity based Mutual Funds:
Short-term (defined as less than 365 days of holding): 15% on the Capital gains, where STT(standard Transaction Tax is deducted)Long-term (defined as more than 365 days of holding): 10% on the Capital gains, where STT(standard Transaction Tax is deducted). Standard Exemption of 1Lakh per PAN per financial year is applied.
For non-equity based Mutual Funds:
Includes all debt / Liquid/ Fixed Income schemes Short-term (defined as less than 3 years of holding): Added to overall income and tax liability as per the Income Tax slab applicable. Long-term (defined as more than 3 years of holding): 20% on the Capital gains after applying the Indexation benefit
No. Investments can be made directly in mutual funds without opening a Demat account. In principle, these are physically held, though only e-statements are provided to the investors unless explicitly requested. For ALL such investments, all transactions (purchase/ switch/redemptions) can be done online.
Your bank’s distribution services cover investments made via your Internet banking portal. To avail of our services, investors must invest via modes that state our AMFI-ARN registration codes. These include both online and offline modes of investment.
We work exclusively with the elite and the affluent. Our client base consists of investors willing to commit a minimum of INR 5 million (INR 50 lakhs) over a 2-3-year period.
In compliance with the regulations, we DO NOT collect any advisory fee from our clients for mutual fund distributors in India. Details of the distribution fees or commissions are provided to the investors in their consolidated account statements.
It’s best to review the investments at most twice in the very first year. After that, regular quarterly reviews can be done as and when the need arises. Our investors can rest assured that we constantly review their portfolios. Formal reviews are an opportunity to interact and plan.
We will provide you with portfolio access through our website, from which you can see your fund portfolio’s daily performance. In addition, we will send you regular Excel sheet-based updates and detailed analyses of your fund portfolio. This will help you understand your as-of-date returns and allocation to various segments and provide direction on how to plan further. For your convenience, you may also use authorized apps provided by the mutual fund registrars (CAMS & Karvy Fintech) to track and transact.
Call or contact us, and we will get started after understanding your investment objectives.
KYC is an acronym for ‘Know Your Customer’, a term used to identify customers whenever they open an account with a financial entity. This process establishes the investor’s identity through relevant supporting documents. As per the guidelines of SEBI (Securities & Exchange Board of India), investors must be KYC compliant to invest in any Mutual funds in India.
This is mandatory under the Prevention of Money Laundering Act 2002.
List of KYC documents for individuals:
– Proof Of Identity (PAN mandatory)
– Proof of Address
– Passport size photo
– KYC form FOR NRIs/Overseas Indians / Person of Indian Origin:
– Copy of passport along with PIO/ OCI card
– Overseas address proof
Our clients include investors from the US, Canada, Australia, Europe, the Middle East, and Singapore. We work with NRIs/OCIs from all regions within the framework of any applicable investment norms.
Foreign nationals cannot directly invest in Indian Mutual Funds. Instead, they must use the foreign portfolio investment (FPI) route to invest in shares of India’s listed companies.
Investors, whether individuals or firms, must register with the country’s market regulator and adhere to its disclosure requirements.
We do not collect any payment/ fees from our clients.
While investing, the client will pay the mutual fund company directly via cheque or any online platform (UPI/Net banking/NEFT) from their registered bank account.
As per the SEBI regulations, third-party payments and cash payments are not allowed forinvestment in Indian Mutual Funds.
All transactions are made through safe, SSL, encrypted channels provided by registrars such as CAMS (Computer Aided Management System), Kfintech, or the online platforms provided by the mutual fund company itself. No Third-party participates in making these investments. We do not use any third-party/cloud-
based platforms to transact or track investments. Our reporting tools are also in-house, avoiding any data leaks.
No, we don’t charge for any consulting services.