100% Transparent

Our Services Cost You ZERO

We don't charge you any fees. Our earnings come from trail commissions paid by mutual fund companies—fully disclosed and SEBI compliant.

₹0 Cost to Investors

You pay absolutely nothing for our mutual fund advisory and distribution services!

₹0

Advisory Fees

₹0

Transaction Charges

₹0

Account Opening Fees

₹0

Exit or Switching Fees

How We Operate (100% Transparent)

As a SEBI-compliant mutual fund distributor (AMFI ARN-344268), we earn trail commission from Asset Management Companies (AMCs). This is a standard industry practice and costs you nothing extra—it's already built into the mutual fund's expense ratio.

📋 Commission Disclosure (As Per SEBI Guidelines)

How We Earn:

We earn trail commission from mutual fund companies (AMCs) based on the assets you invest through us. This commission is paid by the AMC from the scheme's Total Expense Ratio (TER), not from your investment amount.

Important Points:

  • ✓ Commission is paid by AMC, NOT by you
  • ✓ Your investment amount remains 100% intact
  • ✓ Regular plans (through distributors) and Direct plans have different expense ratios
  • ✓ Commission is disclosed to you before every investment
  • ✓ You always have the choice to invest directly (Direct Plan) with zero commission

Typical Trail Commission Structure (Paid by AMCs)

Mutual Fund Category Typical Trail Commission Range Who Pays
Equity Mutual Funds 0.5% - 1.5% of AUM per year AMC (from TER)
Debt Mutual Funds 0.15% - 0.75% of AUM per year AMC (from TER)
Hybrid Funds 0.35% - 1.25% of AUM per year AMC (from TER)
Index Funds / ETFs 0.1% - 0.5% of AUM per year AMC (from TER)

⚠️ Important SEBI Mandate

We are legally required to disclose the exact commission amount for every scheme before you invest. You will receive a commission disclosure statement showing the exact percentage we earn from each mutual fund scheme you choose to invest in.

Regular Plan vs Direct Plan - Your Choice

As per SEBI guidelines, you have two options:

1. Regular Plan (Through Distributor - Us)

  • ✓ You get expert advice, portfolio management, and ongoing support
  • ✓ We earn trail commission from AMC (NOT from you)
  • ✓ Slightly higher expense ratio (includes commission)
  • ✓ Example: Expense ratio 2.0% (includes ~1% distributor commission)

2. Direct Plan (Without Distributor)

  • ✓ You invest directly with AMC
  • ✓ No distributor commission
  • ✓ Lower expense ratio
  • ✓ Example: Expense ratio 1.0% (no commission)
  • ✗ No advisory support or portfolio management

💡 Our Recommendation

If you value professional guidance, regular portfolio reviews, tax planning, and behavioral coaching, investing through Regular Plans (via us) makes sense. Studies show advised investors earn 1.5-3% higher returns over the long term due to better decision-making, which more than compensates for the slightly higher expense ratio.

What You Get at ZERO Cost

✓ Personalized Financial Planning

Goal-based investment planning aligned with your life goals and risk appetite.

✓ Portfolio Management

Regular portfolio reviews, rebalancing, and optimization based on market conditions.

✓ Tax Planning

Strategic tax-saving investment recommendations to minimize tax liability.

✓ Ongoing Support

Unlimited consultations via phone, email, and WhatsApp whenever you need guidance.

✓ Market Insights

Regular market updates, fund performance analysis, and investment recommendations.

✓ Behavioral Coaching

Guidance to avoid emotional decisions during market volatility and stay invested.

Our SEBI Compliance Commitment

  • ✓ AMFI Registered: ARN-344268
  • ✓ NISM Certified Mutual Fund Distributor
  • ✓ Full commission disclosure before every investment
  • ✓ No upfront commission (only trail commission as per SEBI)
  • ✓ No hidden charges or fees
  • ✓ Annual commission disclosure statements provided
  • ✓ Compliance with all SEBI/AMFI regulations

Common Questions About Fees

Do you charge any fees?

No. We earn trail commission from AMCs, not from you. There are zero charges to investors.

What if I want to stop the advisory service?

You can discontinue anytime with 30 days' notice. We'll provide a pro-rated refund for the unused portion of the quarter. No exit fees or penalties.

Should I invest in Regular or Direct plans?

If you want professional guidance and ongoing portfolio management, Regular plans are better. If you're experienced and want to manage everything yourself, choose Direct plans.

Will you disclose your commission?

Yes, absolutely. We are legally required to disclose exact commission percentages for every scheme before you invest.

How is your fee compared to bank RMs or wealth managers?

Our fees are transparent and typically 30-50% lower than private bank wealth management services, with the same or better quality of advice and personalized attention.

Can I switch from Regular to Direct later?

Yes, you can switch anytime, though it's treated as redemption and fresh purchase (tax implications apply).

How do you make money if it's free for me?

AMCs pay us a small percentage (trail commission) from the scheme's expense ratio as compensation for distributing their products and serving investors.

Ready to Get Started?

Schedule a free consultation to discuss your financial goals and find the right plan for you.

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