Frequently asked questions

You can start a SIP with as little as ₹250 weekly or ₹500 monthly, depending on the scheme. There's no large lump sum requirement — begin small and increase whenever you like.

Start with your goal and how long you have. For most long-term goals, a flexi cap or large cap fund via a monthly SIP is a sensible first step — and we'll help you pick one that fits. Our How it works page walks through the whole journey.

No. Mutual funds can be held in a simple folio with the AMC/registrar — no Demat account needed. Your KYC and a bank account are enough to begin.

Yes. You can pause, modify or stop any SIP at any time, with no penalty. SIPs are meant to be flexible and in your control.

It depends on the money and your nerves. A SIP suits regular monthly savings and smooths out market ups and downs; a lumpsum suits idle money you can invest for the long term. Our SIP vs lumpsum guide breaks it down, and our calculators let you compare.

Absolutely. You can invest a lumpsum any time, run SIPs, or do both together. Many investors keep a monthly SIP going and add lumpsums when they have surplus.

No separate fee. We're a mutual fund distributor (MFD) offering regular plans — our trail commission is paid by the AMC out of the scheme's expense ratio, not added on top of your investment. In return you get guided fund selection and ongoing support.

No. As an MFD we provide regular plans, which include guided fund selection and service support. If you prefer a fully self-directed route, direct plans are available elsewhere — but you won't get our support with them.

Both invest in the exact same portfolio. A direct plan has a slightly lower expense ratio but no distributor and no guidance; a regular plan includes our guidance and service, paid for by a small trail commission inside the expense ratio. See our blog on direct vs regular for the full picture.

Your money goes straight into the mutual fund schemes through the exchange; units are held with the AMC/registrar in your name, never by us. We facilitate the transaction — we don't hold your funds.

KYC is fully paperless and usually completes within minutes using your Aadhaar and PAN. First-time investors are assigned a Unique Client Code (UCC) automatically.

Orders are routed through BSE StAR MF, India's leading mutual fund transaction platform, for secure and transparent processing.

ELSS (tax-saver) funds qualify for a deduction up to ₹1.5 lakh under Section 80C in the old tax regime, with the shortest lock-in of just 3 years. Note that 80C doesn't apply under the new tax regime.

For equity funds, long-term capital gains (held over a year) above ₹1.25 lakh a year are taxed at 12.5%; short-term gains at 20%. Most debt funds are taxed at your slab rate. Tax rules change — please confirm current rates or consult a tax advisor.

Trailing 1Y, 3Y and 5Y returns are computed from official daily NAV history (via AMFI/mfapi.in). 1Y is absolute; 3Y and 5Y are annualised (CAGR). Returns are indicative and not guaranteed.

We curate well-established regular-plan funds across every category — large cap to small cap, ELSS, hybrid, debt and index — so you see strong options without wading through thousands of schemes. You can compare them by real 1/3/5-year returns on the funds page.