Frequently asked questions

A Systematic Investment Plan is a way of investing a fixed amount in a mutual fund scheme at regular intervals, usually monthly. Because the amount is fixed, you buy more units when prices are lower and fewer when they are higher — an effect known as rupee cost averaging. An SIP is a method of investing, not a product in itself, and not a return assurance.

A Step-Up SIP, sometimes called a Top-Up SIP, increases your instalment by a chosen percentage once a year. Someone investing ₹10,000 a month with a 10% annual step-up would invest ₹11,000 a month in the second year and ₹12,100 in the third. The idea is to let contributions rise roughly in line with income. It only works if your cash flow can genuinely absorb the increase.

SIPs are generally not locked in, and can usually be paused or stopped, subject to the scheme's terms and any applicable exit load. ELSS schemes are an exception: each instalment carries its own statutory lock-in. Check the scheme documents for the specific terms that apply.

Mutual fund distribution is a regulated activity. Please refer to our Regulatory Disclosures page for the registrations we currently hold; only the registrations listed there are in force. Our team can walk you through what is available and what would need to be in place before any transaction.

Equity funds invest mainly in shares and tend to be more volatile, with a longer suggested holding period. Debt funds invest mainly in bonds and money market instruments; they are generally less volatile but carry interest rate and credit risk. Hybrid funds hold a mix of both. None of these categories is risk-free, and each is taxed differently in India.

There is no single answer — it depends on your current expenses, the age you plan to retire, how long you expect the corpus to last, and what returns and inflation you assume. Our retirement calculator lets you set every one of those assumptions and see the resulting figure. Treat it as a starting point for a conversation, not as advice.

No. Market-linked investments can fluctuate in value, and returns are not guaranteed. The value of an investment can fall as well as rise, and you may get back less than you invested. Any figure shown by a calculator on this website is an illustration based on assumptions you chose, not a promise.

It means that how an investment behaved in the past tells you very little about how it will behave next. Market conditions, interest rates, company fundamentals and fund management can all change. Past performance is one input into an assessment, never a forecast.

Risk is usually discussed in two ways: how much an investment's value moves around in the short term, and the chance of not meeting your goal. A very stable investment can still fail a long-term goal if it does not keep pace with inflation. Matching the investment to the time available for the goal is usually more useful than looking at risk in isolation.

Term insurance is pure risk cover: it pays out if the insured person dies during the policy term, and typically has no maturity value. Other life insurance products combine cover with a savings or investment element, which generally makes the premium higher for the same amount of cover. Which is appropriate depends on what you are trying to achieve — protection, savings, or both.

Protection and investment are different jobs. Insurance exists to transfer a financial risk you could not otherwise absorb. Some insurance products do include an investment component, but the two purposes are worth assessing separately so that neither is judged by the wrong yardstick.

Portfolio Management Services manage a portfolio of securities on behalf of an individual investor, who continues to own those securities directly; SEBI prescribes a minimum investment. Alternative Investment Funds are pooled vehicles that invest according to a defined strategy across three regulatory categories, with their own minimum investment and eligibility conditions. Both are regulated by SEBI, both carry investment risk, and neither offers assured returns.

They are not suitable for everyone. Beyond the regulatory minimum investment amounts, they typically involve higher concentration, longer holding periods and, in the case of many AIFs, limited liquidity. Suitability depends on the investor's overall financial position, time horizon and capacity to bear loss — which is why offer documents and eligibility criteria have to be reviewed carefully before any commitment.

No. Every calculator on this website is free, requires no login, and stores nothing about you. Your inputs stay in your browser and in the page's own address bar, which is what lets you share or bookmark a scenario.

The form composes your enquiry and hands it to your own WhatsApp or email app, where you press send. Our team then contacts you using the method you indicated, to understand your goals and explain the options. Booking a consultation creates no obligation on either side.

Never share your PAN, Aadhaar number, bank account number, card details, OTPs or any login credentials through a website form, email or chat. We will not ask for them that way. Where such details are genuinely needed, they are collected through a separate, secure and regulated process.