A mutual fund pools money from many investors to purchase a diversified portfolio of stocks, bonds, or other securities. It's managed by professional fund managers at an AMC (Asset Management Company). You can start investing with as little as ₹500 per month.
SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly (monthly/quarterly) into a mutual fund. It leverages rupee cost averaging — buying more units when prices are low and fewer when high — reducing market timing risk. You can start, stop, or modify SIPs anytime.
Only ELSS (Tax Saving) funds have a mandatory 3-year lock-in. All other open-ended mutual funds can be redeemed anytime. Some funds charge a 1% exit load if redeemed within 1 year. We recommend staying invested 3-5+ years for equity funds for optimal returns.
Equity funds: Short-term (<1 year) gains taxed at 15%. Long-term (>1 year) gains above ₹1.25 lakh taxed at 12.5%. Debt funds: All gains taxed at your income slab rate regardless of holding period. ELSS investments qualify for ₹1.5L deduction under Section 80C.
PAN Card, Aadhaar Card, bank account details, cancelled cheque, and passport photo. Our paperless eKYC process takes under 5 minutes — no physical documents needed. You can start investing the same day.
No. We do not charge advisory or transaction fees. Your entire investment goes into the fund. We earn trail commission from AMCs (built into the fund's expense ratio), so our interests are aligned with your portfolio growth.
Clear the NISM Series V-A exam, register with AMFI to get an ARN number, and empanel with Gurukrupa Capital. We provide free exam preparation, training, and support throughout the registration process. Anyone 18+ with 12th pass qualification can apply.
Earnings depend on your AUM (Assets Under Management). Trail commission ranges from 0.5-1.5% annually on equity and 0.1-0.5% on debt. With ₹1 Cr AUM in equity, you'd earn approximately ₹8,000-12,000 monthly in trail income — and it grows as your book grows.
Zero investment required from your side. NISM exam fees (~₹1,500) and ARN registration fees (~₹3,000) are the only costs — and we often cover these for serious candidates. No franchise fee, no hidden charges.
Complete end-to-end support: NISM preparation, sales training, technology platform (CRM + transaction engine), marketing materials, back-office processing, compliance support, monthly market outlook sessions, and a dedicated relationship manager.
NAV (Net Asset Value) is the per-unit market value of a mutual fund. It's calculated daily by dividing the total value of all securities in the portfolio (minus liabilities) by the total number of units outstanding. When you invest, you buy units at the current NAV.
Direct plans have a lower expense ratio (no distributor commission built in) but you get no advisory support. Regular plans include distributor commission in the expense ratio but you get free personalized advice, portfolio monitoring, and rebalancing support from us — which typically adds more value than the cost difference.
Large Cap: Lower risk, stable returns (12-14%). Mid Cap: Moderate risk, higher growth potential (15-18%). Small Cap: High risk, highest returns potential (18-25%). We recommend a mix based on your age, goals, and risk appetite — typically 50-30-20 for moderate investors.
Yes, you can switch between schemes within the same AMC or redeem from one and invest in another. Switches are treated as redemption + fresh purchase for tax purposes. We recommend switches during portfolio rebalancing or when fund performance consistently underperforms its benchmark.
SWP allows you to withdraw a fixed amount regularly from your mutual fund investment — like a monthly pension. Ideal for retirees who want regular cash flow while keeping the remaining corpus invested and growing. Only the withdrawn amount is taxed, not the entire corpus.
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