Mutual Funds
Equity, debt, hybrid and index funds selected through a repeatable research process — not a rotating "top pick" list. We map each recommendation to your goal, tax situation and time horizon.
- Equity Funds — long-horizon growth across large, mid and small-cap strategies.
- Debt Funds — capital preservation and steady accrual for shorter horizons.
- Hybrid Funds — blended equity-debt exposure for moderate risk appetite.
- Index Funds — low-cost, benchmark-tracking core allocation.
Systematic Investment Plan (SIP)
Automated, disciplined monthly investing that compounds through market cycles and removes timing decisions from the process entirely.
- Rupee-cost averaging smooths entry price over time.
- Start from as low as ₹1,000/month, step-up annually.
- Model your own numbers in our SIP calculator.
At an illustrative 12.5% p.a., a ₹5,000 monthly SIP over 15 years builds to approximately ₹28.4L against ₹9L invested — see live figures on the calculator page.
Systematic Transfer Plan (STP)
Move a lumpsum gradually from a debt fund into equity (or the reverse, ahead of a known expense) — managing entry timing and volatility without leaving capital idle.
- Ideal for deploying a bonus, sale proceeds, or inheritance.
- Idle capital still earns debt-fund accrual while transferring.
- Weekly, monthly or quarterly transfer frequency available.
We design the transfer schedule around your risk comfort — faster into a rally, slower into an uncertain market.
Systematic Withdrawal Plan (SWP)
Convert an existing portfolio into a predictable, tax-efficient monthly income stream — a popular structure for retirement drawdown or supplementing salary.
- Withdraw a fixed sum monthly while the balance stays invested.
- Often more tax-efficient than traditional interest income.
- Withdrawal rate stress-tested against your corpus longevity.
We model your withdrawal rate against historical drawdowns before recommending a monthly figure.
Fixed Deposits
Corporate and bank FDs selected for credit quality and yield — a stable, predictable core for the conservative portion of a portfolio.
- Corporate FDs screened for issuer credit rating.
- Bank FDs across tenures for laddering strategies.
- Cumulative or payout interest options.
