Understand mutual fund categories, KYC, direct vs regular plans and tax rules before you invest, with ongoing review support.
We help you understand how mutual funds work, what the main categories mean for risk, how they are taxed and how to complete KYC and onboarding. The aim is for you to invest with clear expectations, not chase last year's top performer.
A mutual fund pools money from many investors and invests it according to a stated objective, under the SEBI (Mutual Funds) Regulations, 1996. Equity, debt, hybrid and index schemes carry different levels of risk, and each scheme shows a riskometer and a benchmark in its documents. Costs such as the expense ratio and exit load reduce returns, so they matter as much as the category.
Our work is educational and organisational: understanding your time horizon and risk comfort, explaining how each category behaves, showing how direct and regular plans differ, completing KYC, and keeping a consolidated record for tax reporting. Execution is through the fund house or a SEBI-registered intermediary, and no returns are promised.
You may need it if any of these describe you.
We explain equity, debt, hybrid and index funds and the risks of each.
We guide you through KYC with a KRA and account set-up so you are ready to invest.
We show how expense ratio, exit load and plan type (direct or regular) affect your outcome.
We explain how capital gains on equity and debt funds are taxed so there are no surprises at filing.
We review overlap and duplicated schemes in an existing portfolio.
A structured review against your goals, not a reaction to daily market news.
Large, mid, small-cap, flexi-cap and sectoral; higher volatility, suited to long horizons.
Liquid, short duration, corporate bond and gilt; credit and interest-rate risks apply.
Mix of equity and debt in varying proportions.
Track a market index at a lower cost with no stock-picking by a manager.
Equity funds with a three-year lock-in; the deduction applies only under the old tax regime.
Keep these ready to avoid delays. Send scans or photos over WhatsApp - never share passwords or OTPs.
Plain-English notes. Always verify against the official notification.
| Section / rule / form | What it means |
|---|---|
| SEBI (Mutual Funds) Regulations, 1996 | Govern how schemes are launched, managed and disclosed; scheme documents state objective, risk and costs. |
| Riskometer and scheme categorisation | SEBI requires standard categories and a riskometer on each scheme; read it before investing. |
| Direct vs regular plans | Direct plans carry no distributor commission and usually have a lower expense ratio than regular plans of the same scheme. |
| Capital gains (Income-tax Act, 1961, FY 2025-26) | Listed equity funds held over 12 months are long-term, with gains above the annual exemption limit taxed at a flat rate; check current rates on incometax.gov.in. Debt funds bought on or after 1 April 2023 are taxed at slab rates (Section 50AA). |
| Section 80C (ELSS) | ELSS investments qualify for deduction under the old regime only, subject to the overall limit. |
Statutory dates can be extended by notification - check the official portal before relying on them.
| Activity | Due date |
|---|---|
| Advance tax on capital gains | As per advance tax instalments notified under the Income-tax Act |
| Capital gains reporting in ITR | With the ITR due date for your category |
Plans from our Mutual Fund & Financial Services list. Government charges and GST are shown separately.
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
| Feature | Financial Planning | SIP & Mutual Fund Guidance | Wealth Structuring | Insurance Advisory |
|---|---|---|---|---|
| Pricing model | Fixed fee | On enquiry | On enquiry | On enquiry |
| Written deliverable | Plan PDF | Summary note | Review report | Cover analysis |
| Goal mapping | Cover needs | |||
| Existing holdings review | Basic | Policies | ||
| Product distribution by us | ||||
| Review call | 1 call | Periodic | Half-yearly | Annual |
| Regulatory disclaimer |
We never mark up government payments.
On enquiry. Fees depend on the scope (guidance session, onboarding help or periodic review) and are shared before work starts.
No government fee for KYC. Statutory levies such as STT and stamp duty are charged by the fund house or exchange as applicable.
Scheme-level costs (expense ratio, exit load) are charged within the scheme and shown in its documents. 18% GST applies on professional fees.
What you receive from us.
No. Mutual fund returns are market-linked and can be negative; no one can guarantee them.
Direct plans have a lower expense ratio. Regular plans include distributor commission for services; choose what matches the help you need.
KYC done through a KRA is generally accepted across fund houses, though some may need extra details.
Long-term and short-term gains on equity-oriented funds are taxed at different flat rates, with an annual exemption on long-term gains; rates are as notified under the Income-tax Act, so check the current rate before you redeem.
Yes, subject to the entity's authority documents. The gains are business income or capital gains based on how the investment is classified; we discuss this with your accountant.
ELSS is an equity fund with a lock-in and a tax deduction under the old regime. If you opt for the new regime, there is no such deduction.
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