About Accural

An advisory practice built the way we'd want to be advised.

Accural Research and Advisory Private Limited was founded on a simple frustration: wealth managers rarely understood lending, and lenders rarely understood portfolios. We built a desk that does both.

Our Story

Two disciplines that were never meant to be separate

Most clients experience wealth management and lending as two disconnected relationships — one advisor for the portfolio, another intermediary for every loan, with neither aware of the other's decisions. That gap costs clients money: unnecessary redemptions, mistimed exits, and loan terms that ignore the liquidity already sitting in a portfolio.

Accural was set up to close that gap. Our research desk screens investment products with the same rigour our credit team applies to lending partners, and both teams sit under one advisory relationship — so a decision on one side of your balance sheet is always made with the other side in view.

Our Approach

Four principles that shape every recommendation

Research-Driven Portfolio Management

Every fund, deposit and lending partner is screened against a documented internal checklist before it reaches a client — performance consistency, downside capture, credit quality and cost.

Personalised Financial Roadmaps

We start from your goals, liabilities and time horizon, then build the product mix — never the reverse. No universal model portfolio applied to every client.

Transparent Processing

Applicable fees, commissions and lender rates are disclosed upfront, in writing, before you commit — not discovered in the fine print afterward.

Dedicated Advisory Support

One advisor owns your relationship end-to-end — from a SIP set-up to a loan sanction letter — so context is never lost between departments.

Leadership

Directed by advisors, not sales targets

Accural's advisory desk is led directly by our Director, who personally reviews every significant client mandate before it is actioned. That direct line is intentional — we've kept the firm small enough that accountability never gets diffused across layers of relationship managers.

If you'd like to speak with the Director directly about a mandate, every enquiry on this site — from a service card to a calculator — routes straight to their WhatsApp.

10+ Yrs Combined Experience

Combining equity research, credit underwriting & personalized wealth advisory.

Compliance & Disclosures

Advisory conducted within a clear regulatory framework

Accural Research and Advisory Private Limited operates as a distributor and referral facilitator for mutual funds, fixed deposits and credit products offered by empanelled AMCs, NBFCs and banks. We do not manage client funds directly, and all investments are held in the client's own name/folio with the respective AMC or registrar.

Mutual fund investments are subject to market risk. Please read all scheme-related documents carefully. Loan products are sanctioned solely at the discretion of our lending partners, subject to their credit policy and documentation requirements.

We maintain empanelment with our partner AMCs and NBFC/bank lending desks, and disclose applicable commission or referral fee structures to clients on request, before onboarding. Detailed empanelment codes and partner lists are available on request via our advisory desk.

For any compliance query, grievance, or documentation request, please contact us directly — details are available on our Contact page.