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All investments made through us are made entirely in your name. The money goes directly to the selected Mutual fund scheme from your account. Only you can authorize transactions in your investment account, unless you want us to operate via a Power of Attorney.

We can process your redemption at your discretion. Generally, the withdrawn amounts get credited in one (t+1) business day for debt funds and three (t+3) business days for equity funds.

Some funds might have exit loads for a specific period (usually in the range of 1% if withdrawn within 1 year). We will of course, optimise all your transactions to ensure that exit loads and tax implications are minimized.

There are absolutely no charges involved in investing through us. But as a distributor of mutual funds, we get a small brokerage from the mutual fund companies.

We make sure that confidential information pertaining to your account and investments are never compromised.

An equity mutual fund invests primarily (65% or above) in stocks. Equity funds are principally categorized based on the market capitalisation of the stocks they hold and the investment style of the fund manager.

As per the current Income Tax laws, profit generated of under Rs.1 lakh is tax free if the investment has been held for over 1 year. Profits in excess of Rs.1 lakh will be taxed at 10% if the investment is held for over 1 year. Before one year they are taxed at 15%.

A debt fund invests primarily (65% or above) in fixed income products. A debt fund may invest in short-term or long-term bonds, securitized products, money market instruments or floating rate bonds.

As per the current Income Tax laws, any profits generated through debt funds are taxed at 20% after indexation after three years. Before three years they are taxed at your income tax slab rate. This tax treatment is what makes debt funds superior to bank FDs.

ELSS funds are diversified equity mutual funds which qualify for tax exemption under Section 80C of Income Tax Act 1961. Higher potential returns along with the lowest lock-in period of three years compared to other 80C instruments like PPF, NPS, NSC, etc makes it a great option.

An SIP is a method of investing in mutual funds on a regular basis. The investment amount will be debited from your bank account every month and invested into a set of mutual funds. SIPs help in averaging out your costs over the long term. Also, you won’t have to worry about timing the markets.

Failing to make a monthly payment will not result in any charges or penalties from us or the mutual fund company. However, you should check with your bank if there are any charges for failed mandate payments. We can discuss and make additional investments later to help you stay on track towards your goal.