What a mutual fund distributor actually does

SIP (Systematic Investment Plan)

Invest a fixed amount regularly into selected mutual funds to build wealth over time with discipline.

Step-up SIP

Automatically increase your monthly SIP amount every year as your income grows to achieve goals faster.

Lump sum investment

Invest surplus funds in one go across suitable equity, debt, or hybrid funds aligned with your horizon.

STP (Systematic Transfer Plan)

Park lump sum money in a liquid fund and systematically transfer fixed amounts into equity funds.

SWP (Systematic Withdrawal Plan)

Withdraw a fixed amount regularly from your mutual fund investments for steady cash flow in retirement.

Switch between schemes or plans

Seamlessly move capital between different mutual fund schemes or asset classes within the same fund house.

Redemption (full or partial)

Easily withdraw your accumulated investment corpus partially or fully when you need the money.

Dividend/IDCW and growth option selection

Choose between growth for compounding returns or IDCW payout if you need periodic cash flow.

Equity funds

Invest in large, mid, small, or flexi cap stocks to seek long-term capital appreciation for financial goals.

Debt funds

Invest in government bonds and corporate debt instruments for capital preservation and stable returns.

Hybrid funds

A balanced combination of equity and debt assets to offer growth with moderate downside risk.

Index funds and ETFs

Cost-effective passive funds replicating major market indices like Nifty 50 and Sensex.

ELSS (tax-saving funds)

Equity-linked saving schemes offering tax deduction under Section 80C with a 3-year lock-in period.

Liquid and ultra-short funds

Safe, short-term debt funds ideal for parking emergency funds and surplus cash with high liquidity.

International funds

Geographical diversification by investing in overseas companies and global equity indices.

Goal-based planning (retirement, education, home)

Structure targeted investment portfolios for retirement, children's education, home purchase, or financial freedom.

Risk profiling

Assess your risk tolerance and financial capacity before recommending appropriate mutual fund schemes.

Asset allocation

Distribute your money across equity, debt, gold, and cash to balance risk and expected growth.

Portfolio review and rebalancing

Periodic assessment to keep your mutual fund asset allocation aligned with your original goals.

Tax planning

We explain how mutual fund gains are taxed and help you choose tax-saving funds like ELSS. For personal tax advice, please consult a tax professional.

KYC and onboarding

Step-by-step guidance for KYC verification, PAN linking, and smooth onboarding for new investors.

Folio creation and consolidation

Create new folios and consolidate multiple existing mutual fund folios into a clean, unified view.

Nominee registration and updates

Ensure smooth nomination registration and timely updates across all your mutual fund folios.

Bank mandate and contact detail updates

Quick assistance in updating bank accounts, NACH auto-debit mandates, address, and contact information.

Account statements

Generate consolidated account statements (CAS) showing your complete investment holdings and valuations.

Capital gains and tax reports

Download detailed realized capital gains statements for easy income tax filing every financial year.

SIP and lump sum calculators

Calculate projected returns with interactive SIP and Lump sum calculators.

Goal planner

Forecast required monthly savings and corpus milestones with our interactive Goal Planner tool.

Portfolio tracking and client portal

Track your portfolio 24/7 online and access reports via our secure Client Portal.

Transaction alerts

Stay informed with instant SMS and email notifications for all purchases, SIP deductions, and switches.

Investment Requirement Analysis

Understand the investor's amount, investment horizon, income requirement, liquidity needs and risk preference.

FD Product Selection

Help investors identify suitable FDs based on tenure, interest rate, issuer and payout preference.

FD Rate Comparison

Compare rates across banks/financial institutions, NBFCs and other eligible issuers available.

Corporate FD Distribution

Facilitate investment in corporate/NBFC fixed deposits, where authorised.

Bond Selection

Help investors evaluate and select bonds based on tenure, coupon, yield, credit quality and other relevant characteristics.

Government Securities

Facilitate access to eligible government securities and other government-backed fixed-income products through authorised channels.

Tax-Saving Investments

Help investors identify eligible tax-saving fixed-income products, subject to prevailing tax rules.

Regular Income Planning

Help investors structure FD/bond investments for periodic interest income or cash-flow requirements.

Laddering Strategy

Create an FD/bond ladder with different maturities to manage liquidity and reinvestment risk.

Maturity Planning

Track maturity dates and help investors plan reinvestment of principal.

Interest Payout Planning

Help investors choose cumulative or periodic interest payout options according to their cash-flow needs.

Portfolio Diversification

Help investors diversify investments across issuers, maturities and types of fixed-income instruments.

Credit Risk Assessment

Explain issuer credit ratings, rating changes, security/collateral and other relevant credit-risk information.

Yield & Return Comparison

Compare coupon rates, effective yields and expected cash flows across available products.

Liquidity Assessment

Explain lock-ins, premature withdrawal conditions, secondary-market liquidity and other exit considerations.

Application & Transaction Assistance

Assist investors with application, documentation, KYC and transaction processing through authorised channels.

Renewal Management

Send maturity/renewal reminders and assist investors in deciding whether to renew or reinvest.

Interest & Maturity Tracking

Maintain records of interest payments, maturity proceeds and upcoming cash flows.

TDS / Tax Documentation Support

Help investors understand relevant TDS certificates and tax-related documents; tax advice is provided only within our permitted scope.

Bond Portfolio Management

Maintain a consolidated view of the investor's bond holdings, coupon income, maturity dates and outstanding principal.

Secondary Market Assistance

Where the product and regulatory framework permit, assist investors with understanding secondary-market sale/purchase options.

Reinvestment Services

Identify suitable reinvestment opportunities when FDs or bonds mature.

Investor Statements

Provide consolidated statements of investments, interest income, maturities and transactions.

Ongoing Customer Service

Provide post-investment support and help resolve servicing-related issues with the issuer/platform.