We help you invest in mutual funds, and we handle the paperwork and service requests that follow. Before you invest, you will know what you are buying, what the risks are and what it costs you.
Last updated: 12 October 2026
Our approach
Indian mutual funds offer a very large number of schemes, in categories that behave very differently. As your distributor, our job is to make sure you understand what a scheme invests in, what its documents say and what risks you take, before you put money in.
We do not rate or recommend schemes on this website, and we are not registered with SEBI as an Investment Adviser. Any suggestion we make to you is incidental to distribution and follows an assessment of your financial situation, investment experience and objectives. You can also invest on your own instruction (execution-only).
Know the categories
SEBI groups schemes into equity, debt, hybrid and life cycle funds, and other schemes such as index funds, ETFs and fund of funds. Every scheme carries a risk-o-meter showing its level of risk, from Low to Very High.
Invest mainly in company shares: large cap, mid cap, small cap, flexi cap, value, sectoral and thematic funds, among others. Their value can rise or fall sharply, so they generally suit long holding periods.
Main riskShare prices can fall sharply, sometimes for long periods.
Invest in bonds, government securities and money-market instruments: overnight, liquid, money market, short duration, corporate bond and gilt funds, among others. Their returns are not fixed or guaranteed.
Main riskChanges in interest rates, and defaults by the issuers of the bonds held.
Invest in a mix of equity and debt, and some also in gold, silver or InvITs: conservative hybrid, balanced advantage, aggressive hybrid, multi-asset, arbitrage and equity savings funds.
Main riskDepends on the mix of assets; check the scheme’s risk-o-meter.
Equity funds with a three-year lock-in on each investment. Under the old tax regime, investments can be claimed within the ₹1.5 lakh yearly deduction under section 123 of the Income-tax Act, 2025 (earlier section 80C). The new tax regime gives no such deduction.
Main riskEquity market risk, and no withdrawal for three years.
Passive funds that track an index such as the Nifty 50 or the Sensex instead of picking stocks, usually at a lower cost. ETFs are bought and sold on a stock exchange, through a demat account.
Main riskThey fall when the index falls, and returns differ slightly from it.
A category SEBI introduced in February 2026, for goals such as retirement or a child’s education. Each fund has a target year 5 to 30 years ahead, and moves from equity towards debt as that year approaches.
Main riskDepends on the mix of assets at each stage.
Ways to invest
Invest a single amount at one time.
Invest a fixed amount every month, or at another interval you choose, by auto-debit from your bank account.
Move a fixed amount at regular intervals from one scheme to another scheme of the same fund house.
Take out a fixed amount from a scheme at regular intervals.
Your instalment is debited automatically, so you keep investing whatever the mood of the market.
The same amount buys more units when the NAV is low and fewer when it is high, which evens out your average cost over time.
Gains that stay invested can earn further gains. The longer your money stays invested, the more this matters.
A SIP does not guarantee a profit or protect you from a loss when markets fall. Mutual fund returns are not fixed.
Our process
Call or email us. We explain how mutual funds work, our role as your distributor and how we are paid.
We help you complete KYC, which is valid across all mutual funds, and set up your investor account, bank mandate and nominee.
We ask about your financial situation, investment experience and goals, and assess how much risk you can take.
If you want our suggestion, we explain the scheme, its risk-o-meter and its documents, and tell you the commission we receive on it and on the other schemes we considered. You can also invest on your own instruction.
We place it through NSE’s mutual fund platform, NMF II. You pay from your own bank account, to the mutual fund or through NMF II’s clearing system: never in cash, and never to Sumraksha.
We stay your point of contact for statements, changes to your details, redemptions, periodic reviews and any complaint.
Good to know
Call or email us to start investing, or with any question about your existing investments.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Fund categories follow SEBI’s circular on categorisation and rationalisation of mutual fund schemes dated 26 February 2026. Tax information is general, is based on the Income-tax Act, 2025 and may change; check your own position with a tax professional.