AMFI Registered · ARN-340170

Your money deserves
someone who stays.

Not a platform. Not a call centre. Just one person who knows your family's story, helps you make thoughtful decisions, and stays for the long run.

or WhatsApp us

Build

Starting out. First salary, first SIP. The earlier you begin, the less you need.

Protect

Saving for what matters. Education, a home, your family's future. One plan.

Transition

Turning wealth into income. Retirement, SWP, capital protection, legacy.

The 12% Reality Check

How long until
your first ₹1 Crore?

Move the slider. No fake 18% promises — just the compound math at 12% p.a. (illustration only, not a guaranteed return).

You'll cross ₹1 Crore in

20 yrs 9 mo

at ₹10,000/month · 12% p.a. illustrative

What waiting costs you

Start today

₹10,000/mo

→ ₹1 Crore in 20 yrs 9 mo

Wait 5 years

₹19k/mo

+92% more to reach same goal

20 years. The spreadsheet looks perfect today. But when the market dips 20% and the news screams 'crash', you'll want to pause your SIPs. We are the roadblock between you and that mistake.

The math is perfectly predictable. Human panic isn't. That's why you need a guide.

Why a guide

Platforms give you access. We give you a blueprint.

Direct plans exist and work. Here is what the evidence says about what actually separates outcomes.

We manage behaviour, not just money.

Average investors earn less than the funds they own — not because funds fail, but because they panic-sell at lows and chase winners at highs. Staying invested through a crash is where wealth is built. That is what we are here for.

The right fund is not obvious.

Over 1,400 schemes in India, each with a different mandate, tax treatment, and risk profile. The gap between the right fund and a plausible-sounding wrong one does not show up on your statement until years later.

We call. Platforms notify.

When the market drops 5%, apps send a push notification. We pick up the phone before you panic-sell. That one conversation at the right moment can save years of compounding.

How it works

01

Tell us your goal

A 20-minute call — no forms, no jargon, no pressure. Just tell us where you are and what you want to build.

02

We build your plan

Within 48 hours: a fund recommendation matched to your risk profile, timeline, and tax situation. You see the reasoning.

03

We stay with you

Monthly reports. Proactive calls when markets move. Annual reviews when life changes. Never left to figure it out alone.

Trail commission disclosed per SEBI circular HO/IMD/DF2/CIR/P/2018/137 · See all services

Minakshi Kukreja — Founder, Vinayaka Funds

The person behind your plan

I'm Minakshi Kukreja. With 17 years of navigating the markets and a background in teaching, I built Vinayaka Funds on one belief: most investors don't need more products — they need someone who explains the math honestly and calls before they make a decision they'll regret.

Rooted in Jalandhar. Invested in your family's future.

More about how I work

30 families

Each with my direct number

Not accounts. People with names and goals.

17+

Years of financial markets experience

Through bull runs, crashes, and recoveries.

₹0

Fees to you — ever

We earn trail commission from fund houses only.

Real families. Quiet wealth. Zero jargon.

What happens when you stop guessing and start planning.

I always thought mutual funds were for people with deep pockets or finance degrees. Minakshi just asked me one simple question — what am I saving for? — and took it from there. She set up one SIP and told me not to overthink it. Now it runs on autopilot. Honestly, my only regret is not starting sooner.

RS

Ruku Sehgal

Since October 2025

First-time investor · Goal-based SIP

My savings were always in FDs. I understood them — fixed rates, no surprises, no watching the market. I was genuinely nervous about moving anything to mutual funds. Minakshi didn't push me to go all in. We started with a mix of safer funds so I could get comfortable slowly. Ten months later, the SIPs run on their own and I don't lose any sleep. I still keep my FDs, but now I know there's a better way to build wealth.

KK

Komal Kalia

Since November 2025

Moved from FDs · Conservative approach

I have two daughters, and my main goal is to retire without ever being a burden on them. Moving serious money into the market — not just a small SIP — takes deep trust. Minakshi never promised me the moon. She was straight about the timelines and told me to think in decades, not months. That's exactly the kind of advisor I was looking for.

SA

Sumit Arora

Since November 2025

Retirement goal · Long-term wealth building

I started with a very small amount because I wasn't sure I was doing the right thing. Minakshi never made me feel like my investment was too small to matter. She set up one SIP, explained how it works, and told me to check back in a few months and not worry about daily movement. I did exactly that. When I checked after a few months, the money had grown — quietly, without me doing anything. I've started telling my friends to do the same.

M

Meenakshi

Since November 2025

Started small · First SIP investor

I always thought mutual funds were for people with deep pockets or finance degrees. Minakshi just asked me one simple question — what am I saving for? — and took it from there. She set up one SIP and told me not to overthink it. Now it runs on autopilot. Honestly, my only regret is not starting sooner.

RS

Ruku Sehgal

Since October 2025

First-time investor · Goal-based SIP

My savings were always in FDs. I understood them — fixed rates, no surprises, no watching the market. I was genuinely nervous about moving anything to mutual funds. Minakshi didn't push me to go all in. We started with a mix of safer funds so I could get comfortable slowly. Ten months later, the SIPs run on their own and I don't lose any sleep. I still keep my FDs, but now I know there's a better way to build wealth.

KK

Komal Kalia

Since November 2025

Moved from FDs · Conservative approach

I have two daughters, and my main goal is to retire without ever being a burden on them. Moving serious money into the market — not just a small SIP — takes deep trust. Minakshi never promised me the moon. She was straight about the timelines and told me to think in decades, not months. That's exactly the kind of advisor I was looking for.

SA

Sumit Arora

Since November 2025

Retirement goal · Long-term wealth building

I started with a very small amount because I wasn't sure I was doing the right thing. Minakshi never made me feel like my investment was too small to matter. She set up one SIP, explained how it works, and told me to check back in a few months and not worry about daily movement. I did exactly that. When I checked after a few months, the money had grown — quietly, without me doing anything. I've started telling my friends to do the same.

M

Meenakshi

Since November 2025

Started small · First SIP investor

Client experiences are individual and may not be representative of all investors.

India Mutual Fund Industry · March 2026

₹73.73L Cr

Total Industry AUM

₹32,087 Cr

Monthly SIP Inflows

6.14 Cr

Unique Investors

Source: AMFI–Crisil Mutual Fund Factbook 2026

Quick answers

The questions everyone has before starting

More answers in our investor guide →

Still have a question? Get an answer in minutes.

Chat with Minakshi on WhatsApp

Start with a conversation.
Not a product.

Tell us your goal. We'll show you the plan. Free, no obligation, no jargon.

AMFI Registered · ARN-340170
NISM Certified Series V-A