AMFI-registered Mutual Fund Distributor · ARN 348738

Mutual Fund & SIP Services

A mutual fund pools money from many investors and invests it in securities according to a stated objective, under SEBI regulation. As an AMFI-registered distributor, our role is to help you choose suitable mutual fund schemes based on your risk profile and investment goals, to carry out your transactions, and to support you after you invest.

How we work with you

Know you. We complete your KYC and understand your risk profile, because suitability starts there.
Choose. We help you pick suitable mutual fund schemes from a curated list for each goal.
Invest. We set up your SIP or lump sum investment and handle the paperwork.
Support. We assist with nomination, bank and KYC updates, and review your mutual fund portfolio from time to time.

Ways to invest

SIP — a fixed amount invested at regular intervals.
Lump sum — a one-time investment.
STP — moves money gradually from one scheme to another.
SWP — regular withdrawals from an existing investment.

New: Life Cycle Funds

In its circular of 26 February 2026 on the categorisation and rationalisation of mutual fund schemes, SEBI introduced a new category called Life Cycle Funds. SEBI describes it as “an open ended fund with attributes of pre-determined maturity and glide path for goal based investing”. The same circular discontinued the earlier solution-oriented category (retirement and children's schemes). Those schemes stopped accepting subscriptions and are to be merged into other schemes with a similar asset allocation and risk profile, with SEBI's prior approval.

How they work. Each fund is built around a target year. A fund can have a tenure of 5 to 30 years, in multiples of five, and the maturity year appears in the scheme's name (for example, “Life Cycle Fund 2045”). As the target year approaches, the fund must reduce its equity allocation and raise its debt allocation along a glide path set by SEBI. This happens inside the fund, so you do not need to switch schemes yourself.

SEBI's prescribed ranges for a fund with a 30-year tenure are shown below. Shorter-tenure funds join the same path at the matching row. For example, a 10-year fund starts in the 5–10 year row.

Years to maturity	Equity	Debt	Gold, silver ETFs/ETCDs, InvITs
15–30	65–95%	5–25%	0–10%
10–15	65–80%	5–25%	0–10%
5–10	50–65%	5–25%	0–10%
3–5	35–50%	25–50%	0–10%
1–3	20–35%	25–65%	0–10%
Less than 1	5–20%	25–65%	0–10%

In the last three years, debt holdings are limited to instruments rated AA and above, with residual maturity shorter than the fund's target maturity.
Commodity derivatives, where used, can be based only on gold or silver.
Funds with less than five years to maturity may also take equity arbitrage exposure of up to 50%, in addition to the equity range, while total equity and equity-related exposure stays within 65–75%.
Exit load: 3% on exits within one year of investment, 2% within two years, and 1% within three years.
A fund house can keep at most six Life Cycle Funds open for subscription at a time. When a fund has less than a year to maturity, it may be merged into the nearest-maturity Life Cycle Fund, with the unitholders' positive consent.
These funds use the benchmark framework that applies to multi-asset allocation funds.

Who may find them useful. Investors with a clear target date, such as a child's education or retirement, who prefer the shift from growth to stability to be built into the fund.

Points to consider. Returns are not guaranteed and the value can fall at any time, including near the target year. The glide path is the same for everyone and is not tailored to you. Choose the maturity year closest to your goal date, compare costs, and read the scheme documents. Which schemes are available depends on fund houses launching them under this category.

How we are paid

Regular plans of mutual funds include a distribution commission paid by the fund house out of the plan's expenses.

Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not an indicator of future returns. See Disclaimers.

Questions people ask

What is a SIP?

A Systematic Investment Plan invests a fixed amount in a chosen scheme at regular intervals. It makes investing a habit and spreads purchases over time.

Do I need a demat account?

No. Mutual fund units can be held in a statement of account without a demat account.

Are returns guaranteed?

No. Mutual fund investments are subject to market risks and returns are not assured.

Can I stop or pause a SIP?

SIPs can generally be stopped or paused as per the scheme's terms. We can help you with the process.

How do you decide which schemes suit me?

We assess your risk profile and goal, then match them to schemes whose risk level and objective fit, and we record the reasons.