💼 Retail Wealth Advisory Services

Comprehensive Mutual Fund & Wealth Services

Designed for individual investors, HNIs, retirees, and NRIs. Experience disciplined goal-based SIP compounding, SWP pension streams, tax-optimized ELSS, and expert portfolio rebalancing.

✓ 42+ Partner AMCs
✓ AMFI Certified Advisory
✓ 0% Hidden Fees
✓ Instant Portfolio Audit

Tailored Financial Solutions for Every Milestone

Whether you're starting your first ₹1,000 SIP or managing a ₹10 Crore HNI corpus, our advisory services align with your unique risk tolerance and time horizon.

Mutual Fund Advisory

Disciplined goal-based SIPs, SWP retirement income plans, ELSS tax saving, and customized equity/debt asset allocation strategies.

  • Automated SIP & Step-Up top-ups
  • Tax-efficient SWP retirement pension
  • ELSS tax savings under Sec 80C
Get Mutual Fund Advisory →

Insurance Advisory

Comprehensive life, health, term insurance, and critical illness policies from leading insurers to protect your family financial stability.

  • High sum-assured term life plans
  • Comprehensive family health cover
  • Claim settlement assistance
Get Insurance Advice →

Existing Portfolio Audit

In-depth X-Ray audit of your existing mutual fund investments to eliminate scheme overlap, exit underperformers, and optimize expense ratios.

  • Detect stock & sector overlap
  • Identify underperforming schemes
  • Quarterly rebalancing recommendations
Request Free Portfolio Audit →

Fixed Deposit (Banks & NBFCs)

High-yielding guaranteed return fixed deposit options backed by top Scheduled Commercial Banks and AAA-rated corporate NBFCs.

  • Higher interest rates than savings accounts
  • Senior citizen interest rate bonus
  • Flexible tenure & monthly payout options
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AMC partners we work with

Authorized distributor for India's premier SEBI registered Asset Management Companies

How We Work With You

A simple, transparent 4-step wealth management process built on fiduciary principles.

01

Goal Discovery

We analyze your financial targets, horizon, emergency needs, and risk tolerance profile.

02

Scheme Curation

Our team handpicks top-performing schemes across debt, hybrid, and equity categories.

03

Paperless Execution

Complete 100% digital KYC and start instant SIPs or lumpsum allocation securely.

04

Periodic Review

We review your portfolio quarterly to ensure asset allocation remains aligned with goals.

📚 Investor Education Hub

Mutual Fund Knowledge Base

Everything you need to understand mutual funds — from basics to taxation. Read, learn, and invest with confidence.

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What is Mutual Fund?

Mutual funds are financial instruments which invest in a portfolio of securities. These securities may be stocks, bonds, money market instruments, gold, silver and real estate investment trusts (REITs) etc. You can buy units of mutual funds; each unit represents a certain percentage of the mutual fund scheme portfolio.

Mutual funds are managed by professional fund managers who manage the schemes according to the investment objectives of the schemes.

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SEBI Regulated & AMFI Registered
All mutual funds in India are regulated by SEBI and distributed through AMFI-registered advisors like FundTech Solutions.
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How to Invest in Mutual Funds?

When an asset management company (AMC) house launches a new mutual fund scheme, it invites subscriptions from the public in the New Fund Offer (NFO). In the NFO period, investors are allotted units at par value (usually Rs 10). If you invested Rs 10,000 in a mutual fund scheme during the NFO period, you would be allotted 1,000 units.

You need to be KYC compliant to invest in mutual funds. Your financial advisor can help you fulfil KYC requirements. Along with KYC documents, you need to provide bank details to invest in mutual funds. Investors can invest in mutual funds only from their own bank accounts.

At the end of the NFO period, the money pooled from all the investors are invested in a diversified portfolio of securities according to the scheme's mandate. After the NFO, investors can buy units of open ended schemes from the AMC at prevailing Net Asset Values (NAV). You can also redeem open ended mutual fund schemes at any time at prevailing NAVs. The redemption proceeds will be credited to your bank account on T+3 for equity funds.

01
Complete KYC — Submit PAN, Aadhaar & address proof
02
Link Bank Account — Your own savings account for investments
03
Choose Scheme — Select based on goal, risk appetite & time horizon
04
Invest via SIP or Lumpsum — Start with as little as ₹500/month
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Note on Exit Loads: For redemptions within a certain period of time from investment, exit loads may apply as per the Scheme Information Document (SID).
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What is Net Asset Value (NAV)?

NAV is the market value or price of one unit of a mutual fund scheme. It is the per unit price you pay or get when you are buying or selling (redeeming) mutual funds.

NAV Formula
NAV = (Market Value of Securities + Cash − Expenses & Liabilities) ÷ Total Units Outstanding

The asset of a mutual fund scheme is the market value of the securities and the cash in the scheme portfolio. Net asset value is the value of scheme assets minus the expenses and liabilities. NAVs are calculated based on the closing prices of the scheme portfolio securities at the end of each business day and disclosed by the AMC on a daily basis.

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Systematic Investment Plan (SIP)

Systematic Investment Plan or SIP is a mutual fund facility through which you can invest fixed amounts every month (or any other interval) in a mutual fund scheme. The SIP amounts are automatically debited from your savings bank account through an ECS or NACH mandate provided by you to the AMC.

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Power of Compounding

You can invest over a long period of time from your regular savings and create wealth through compounding.

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Rupee Cost Averaging

SIP helps you take advantage of market volatility through Rupee Cost Averaging of NAVs.

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Systematic Withdrawal Plan (SWP)

Systematic Withdrawal Plan (SWP) is a highly convenient mutual fund facility which allows you to draw a fixed amount from your mutual fund scheme at a specified frequency (monthly, quarterly, annual etc). SWP cash-flows are generated by redeeming a certain number of units of your mutual fund scheme based on prevailing NAVs.

The SWP amount is credited to your savings bank account every month or at any other interval specified by you in your SWP mandate. You can continue your SWP for a long period of time if the average return of the scheme is higher than the SWP withdrawal rate.

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Ideal for Retirees: SWP provides a tax-efficient, regular income stream post-retirement — often better than FD interest due to indexation benefits.
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Different Types of Mutual Funds

There are three broad categories of mutual funds:

Equity Equity Funds

These mutual fund schemes invest in equity and equity related securities. Sub-categories are based on the market cap segments — large cap, large & midcap, midcap, small cap, multicap, flexicap etc.

Primary Objective: Capital Appreciation
Debt Debt Funds

These mutual funds schemes invest in debt and money market instruments. Sub-categories based on maturity profiles — overnight, liquid, ultra-short duration, low duration, short duration, medium duration, long duration etc.

Primary Objective: Stable Income & Capital Preservation
Hybrid Hybrid Funds

These funds invest in both equity and debt securities. They may also invest in other classes like gold, REITs, InvITs etc. Different types include aggressive hybrid funds, conservative hybrid funds, balanced advantage funds, equity savings etc.

Primary Objective: Asset Allocation & Balanced Growth
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Key Mutual Fund Terms

Units
Unit represents a certain percentage ownership in the scheme's asset. If you invest Rs 1,00,000 and the NAV is Rs 100, you will be allotted 1,000 units.
TER (Total Expense Ratio)
Total expense ratio is the cost of managing and operating the scheme on a per unit basis. Calculated by dividing total expenses by AUM. A scheme's NAV is calculated after deducting TER.
Exit Load
If you redeem within the exit load period (as specified in the Scheme Information Document), the exit load will be deducted from your redemption NAV.
Growth vs IDCW Option
In Growth option, profits are re-invested. In IDCW (Income distribution and Capital Withdrawal) option, profits are distributed to investors from time to time.
Benchmark
Every mutual fund scheme has a benchmark for performance comparison — e.g. Nifty 100 TRI, Nifty Midcap 150 TRI, Nifty 500 TRI. Active fund managers aim to beat the benchmark.
Returns (CAGR)
Returns over investment periods exceeding 1 year are expressed in Compounded Annual Growth Rate (CAGR). Example: HDFC Flexicap Fund gave 15.38% CAGR in 10 years, turning ₹1 lakh into ₹4.18 lakhs.
Risk & RISKOMETER
The NAV of your mutual fund scheme can go up or down based on market movement. SEBI mandates all AMCs to label risk using a RISKOMETER from Low to Very High.
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Taxation of Mutual Funds

Mutual funds whose average equity allocation is 65% or more are treated as equity funds from a tax perspective.

Fund Type Holding Period Gain Type Tax Rate
Equity Funds Less than 12 months Short Term Capital Gains (STCG) 15%
Equity Funds More than 12 months Long Term Capital Gains (LTCG) 10% (after ₹1 lakh exemption)
Non-Equity Funds Less than 36 months Short Term Capital Gains (STCG) As per income tax slab
Non-Equity Funds More than 36 months Long Term Capital Gains (LTCG) 20% (with indexation)
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ELSS Tax Benefit (Section 80C): Investments in mutual fund Equity Linked Savings Schemes (ELSS) qualify for deductions under Section 80C — saving up to ₹46,800 in taxes annually with only a 3-year lock-in period.