Accural Research & Advisory | Bespoke Wealth Management & Lending Solutions

Two Disciplines, One Advisor

Every rupee has a job — growing, or working as collateral.

We built Accural around a simple idea: the firm that manages your portfolio should also understand how to unlock liquidity from it, without disturbing your long-term compounding.

Wealth Management

Research-driven portfolios across mutual funds, systematic plans and fixed income — built around your horizon, not the market's mood.

Mutual FundsSIPSTPSWPFixed Deposits

Explore Wealth Management

Lending & Credit Solutions

Structured borrowing — from unlocking your mutual fund portfolio to financing a home, business or acquisition — without disturbing your investments.

LAMFBusiness LoansHome LoansPersonal LoansLAP

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What We Offer

A complete shelf of advisory-grade products

01 — Wealth

Mutual Funds

Curated equity, debt, hybrid and index fund portfolios, screened through our in-house research process.

02 — Wealth

Systematic Investment Plan

Disciplined, automated monthly investing designed to compound steadily through market cycles.

03 — Wealth

Systematic Transfer Plan

Move capital gradually from debt to equity (or vice versa) to manage entry timing and risk.

04 — Wealth

Systematic Withdrawal Plan

Convert a portfolio into a structured, tax-efficient income stream for retirement or regular needs.

05 — Wealth

Fixed Deposits

Corporate and bank FDs selected for credit quality and yield — a stable core for conservative capital.

06 — Credit

Loan Against Mutual Funds

Unlock instant liquidity against your existing MF holdings without redeeming or breaking your compounding.

07 — Credit

Business Loans

Working capital and growth financing structured around your business's cash-flow reality.

08 — Credit

Home Loans

Competitive, well-negotiated home financing with an advisor managing the paperwork end-to-end.

09 — Credit

Personal & Property Loans

Personal loans and Loan Against Property for planned expenses, consolidation, or larger commitments.

Why Accural Research & Advisory

Advisory built on research, not sales targets

We are structured as an advisory-first practice — our research team screens every fund, deposit and lending partner before it reaches a client conversation. That discipline is what lets us sit on both sides of your balance sheet.

01

Research-Driven Portfolio Management

Every recommendation is backed by in-house screening of fund performance, fund-manager pedigree, and downside risk — not commission tables.

02

Personalised Financial Roadmaps

Your plan is built around your horizon, liabilities, and liquidity needs — not a generic model portfolio applied to everyone.

03

Transparent Processing

Clear disclosure of fees, applicable rates, and lender terms upfront — no buried costs discovered after you've signed.

04

Dedicated Advisory Support

A single point of contact who understands your full financial picture — from SIP to sanction letter.

Run the Numbers

Model your investment growth or loan eligibility in seconds

Our calculators give you an honest, editable estimate before you ever pick up the phone — SIP & lumpsum returns, LAMF eligibility, and EMI planning for home, business and property loans.

Open Calculators

Monthly SIP · ₹25,000 · 12 yrs

Invested Amount₹36,00,000

Est. Wealth Gain₹47,82,140

Est. Total Value₹83,82,140

Illustrative at 12.5% p.a. — actuals vary with fund performance. Try live figures in our calculator.

“

Accural restructured our SIPs and arranged a loan against our mutual fund portfolio for a business need — all without us having to redeem a single unit. That's the kind of joined-up thinking we hadn't found elsewhere.

Aditya Sarawgi — Business Owner, Client since 2021

Bespoke wealth creation, and the credit to move with it.