Mutual Funds
Systematic, goal-based investing for long-term wealth creationMutual funds are one of the most powerful tools for wealth creation. Whether you're starting a SIP at ₹500 or investing a lump sum, we help you build the right portfolio for your goals.
Fund Categories
Equity Funds
Large cap, mid cap, flexi cap — for long-term wealth creation over 5+ years.
Debt Funds
Stable, tax-efficient returns — better than FDs for investors in the 30% bracket.
Hybrid Funds
Balanced allocation between equity and debt for moderate risk takers.
ELSS (Tax Saving)
Save ₹1.5L under 80C while building equity wealth with just a 3-year lock-in.
Index Funds & ETFs
Low-cost passive investing tracking Nifty 50, Sensex, and other indices.
International Funds
Diversify beyond India with exposure to US, global, and thematic funds.
Our Investment Process
A clear, repeatable process — so you always know what happens next and why.
- 01
Goal Mapping
Every rupee invested is linked to a specific goal with a timeline.
- 02
Risk Profiling
We assess your capacity and willingness to take risk — honestly.
- 03
Portfolio Design
We select the right mix of funds across categories and AMCs.
- 04
SIP Setup
We make investing automatic — systematic and effortless.
- 05
Annual Review
We rebalance your portfolio to stay aligned with your goals and market changes.
A Worked Example
Figures are illustrative, based on typical scenarios. Your numbers will differ.
A ₹15,000/month SIP split 60:40 between a large-cap and a flexi-cap fund, started at 30 and continued to 55 (25 years), compounds to roughly ₹2.5-3Cr at a conservative 11-12% CAGR — even though the investor only puts in ₹45L of their own money over that period. The gap between that outcome and a bank RD at the same monthly amount (which would yield closer to ₹90L-1Cr) is the entire case for equity mutual funds over long horizons.
On expense ratios: a regular plan charging 1.8% versus a direct plan at 0.8% doesn't sound like much, but on a ₹50L corpus over 15 years, that 1% difference compounds to roughly ₹8-10L in lost returns. We're upfront with clients about this trade-off — direct plans save money if you're comfortable managing the portfolio yourself; regular plans cost more but include ongoing advisory.
What we don't do.
The financial industry has habits that quietly cost clients money. These are the ones we have chosen never to practise.
Churn Portfolio for Commissions
Frequent switching between funds generates trail commissions for distributors but destroys your wealth through exit loads and tax drag. We never do this.
Push Regular Plans Over Direct
If you can manage your own investments, we'll tell you honestly. We explain the expense ratio difference between regular and direct plans upfront.
Recommend NFOs Blindly
New Fund Offers are heavily marketed but have no track record. We never push an NFO just because it's being promoted by an AMC.
Over-Diversify Your Portfolio
Owning 15 funds is not diversification — it's diworsification. We keep your portfolio focused and purposeful.
Hide Expense Ratios & Exit Loads
Every cost eats into your returns. We disclose all charges transparently so you know exactly what you're paying.
Promise Guaranteed Returns
Mutual funds are subject to market risk. Anyone promising "guaranteed 15% returns" in equity funds is lying. We don't make promises we can't keep.
Questions, answered.
What is the difference between direct and regular mutual fund plans?
How much should I invest in SIP every month?
Are mutual funds safe for long-term wealth creation?
Learn before you decide.
Get expert mutual funds advice.
Book a free consultation with Yatri Bhatt and get clarity on your mutual funds needs.