SIP planning
A monthly amount you can genuinely sustain, in fund categories matched to how long the money will stay invested. We also set the annual step-up so your investing grows with your income.
Mutual fund distribution
A portfolio built around your goals, not around a product
There are more than a thousand mutual fund schemes in India. Almost none of that choice matters. What matters is how much you invest, for how long, in what mix of equity and debt — and whether you stay the course when it gets uncomfortable.
What we handle
Everything from the first SIP to the last withdrawal
Lump sum & STP
A bonus, a maturity, a property sale. Putting it all into equity on one date is a gamble on that date. We phase it in through a systematic transfer plan instead.
Goal mapping
Retirement, your child's education or marriage, a home, a car, a buffer for emergencies. Each goal gets its own timeline, its own allocation, and its own target.
Retirement income (SWP)
Converting a corpus into a dependable monthly income, drawn in a way that is usually far more tax-efficient than interest from a deposit — and built to survive a bad first few years.
Tax-saving (ELSS)
For those still under the old tax regime, ELSS remains the only 80C option with a three-year lock-in and equity exposure. We check whether it actually suits you first.
Review & rebalancing
At least once a year we look at what has drifted, what has underperformed for a reason, and what should be trimmed — then put the allocation back where it belongs.
The part that matters most
Asset allocation does the heavy lifting
Which scheme you pick is a second-order decision. How much of your money sits in equity versus debt is the first-order one — it drives both your long-term return and how badly a falling market will hurt.
We set that split from three things: how many years until you need the money, how much of a fall you can tolerate without abandoning the plan, and what other assets and income you already have.
Our rule of thumb. Money needed within three years does not belong in
equity. Money not needed for ten years or more usually should not sit entirely in
deposits. Everything in between is a judgement call we make with you, in writing.
Typical allocation by horizon
Under 3 yearsCapital safety first
3 – 7 yearsBalanced
7 – 15 yearsGrowth tilt
15 years and beyondGrowth led
Equity
Debt & cash
Indicative starting points only. Your own allocation depends on your circumstances and risk profile.
For non-resident Indians
Investing in India, from anywhere
A meaningful part of our practice is looking after NRI families who want their savings working in India while they live and earn abroad.
The investing principles do not change when you move overseas. The banking, the paperwork and the tax treatment all do — and that is where nearly all the friction sits. We handle that side so you can stay focused on the plan itself.
- NRE or NRO routing, and what each means when you want money back out
- KYC completed from overseas, including FATCA and CRS declarations
- Tax deducted at source on redemption, and when DTAA relief can reduce it
- Repatriation of proceeds, coordinated with your bank
- Review calls scheduled around your time zone, not ours
The first decision: which account
NRE
Funded from what you earn abroad.
Fully repatriable — principal and gains can go back out.
NRO
For income arising in India — rent, dividends, pension.
Repatriation is capped each year and needs documentation.
Which route suits you depends on where the money comes from and whether you expect to take it abroad again. We work that through with you before anything is opened.
If you are resident in the United States or Canada, read this first.
A number of Indian asset management companies restrict or decline investments from NRIs in
these two countries, because of the reporting obligations that FATCA places on them. Several
others do accept them, with additional paperwork. Tell us where you are tax resident and we
will tell you honestly which options are actually open to you — before you fill in a
single form.
Getting started
What actually happens when you call us
A first conversation
Thirty to forty minutes, in person or on a call. Income, commitments, existing investments, and what you are trying to achieve.
A written proposal
Goals, an allocation, specific scheme categories and the reasoning. You take it away and read it. No decision is asked for on the day.
KYC and execution
If your KYC is not done we complete it for you. Then folios are set up and the first transactions placed, online or at your home.
Ongoing review
A consolidated statement whenever you want one, and a proper review meeting at least once a year.
Questions we get asked
Straight answers
What do you charge me?
Nothing directly. We are a distributor, and we are paid a commission ("trail") by the asset management company whose scheme you invest in. That commission is already reflected in the regular-plan expense ratio of the fund — it is not deducted from your investment separately.
Direct plans have a lower expense ratio because they carry no distributor commission. If you would rather invest direct and manage everything yourself, that option is open to you and we will say so plainly. What you get from us is the planning, the paperwork, the reviews and someone to call.
How much do I need to start?
Most schemes allow a SIP from ₹500 a month, and many from ₹100. There is no minimum portfolio size we insist on. What matters far more than the starting amount is starting at all, and then raising it every year.
Is my money safe with you?
Your money never passes through us. You invest directly with the asset management company; the units are held in your own name against your own PAN, and the redemption proceeds go straight to your own registered bank account. We facilitate and advise — we never hold your funds.
What if the market crashes right after I invest?
At some point, it will. Equity markets have fallen 30% or more several times in the past three decades and recovered each time — but "eventually" can mean two or three years. That is exactly why money you need soon is kept out of equity, and why we agree the plan before the fall rather than during it. Our Volatility Lab shows the historical pattern.
Can you take over a portfolio I already hold elsewhere?
Yes. Bring your latest consolidated account statement (CAS) and we will review what you hold, tell you honestly what is working, and handle the change of distributor where it makes sense. There is no exit load or tax consequence in simply changing the distributor on record.
Do you serve clients outside West Bengal?
Yes. KYC, onboarding and transactions are all handled online, so we work with families right across India — and with a good number of non-resident Indians investing from abroad. Distance has not been a barrier for a long time.
I am an NRI. Can I invest in Indian mutual funds?
Yes, subject to FEMA rules. You will invest through an NRE or NRO account, complete KYC with overseas address proof along with FATCA and CRS declarations, and your redemptions will have tax deducted at source — which is the main practical difference from a resident investor, who pays tax later through their return.
Where a Double Taxation Avoidance Agreement exists between India and your country of residence, that deduction can often be reduced, provided you hold a valid tax residency certificate. One caveat worth knowing early: several Indian fund houses restrict investments from NRIs resident in the United States and Canada. More on investing from abroad.
Bring your statements. We'll be honest about them.
A free first review of what you already hold — what is working, what is duplicated, and what is quietly costing you.