Our Services Cost You Zero Upfront Fees
We don't charge you direct consulting fees. Our earnings come from trail commissions paid by mutual fund companies—fully disclosed and strictly SEBI compliant.
₹0 Cost to Investors
You pay absolutely nothing out-of-pocket 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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