AMFI Registered · ARN-340170
Name Your Goal.
We'll Map the Path.
Personalised, goal-based mutual fund investing for families in Jalandhar. No jargon. No rushed products. A plan built around your life — and someone who stays with you through every market cycle.
or WhatsApp usYoung professionals
Start at 25 not 35 — a decade of compounding changes everything.
Retirees & pre-retirees
Preserve your life's work. Make your corpus outlast you.
Goal-driven families
Home. Education. Wedding. Retirement — one plan, all goals.
HNI investors
Tax-efficient strategies for those in the 30% bracket.
Getting started
Three steps to your first investment
Tell us your goal
A 20-minute call — no forms, no jargon, no pressure. Just tell us where you are today and what you want to build. We listen first.
We build your plan
Within 48 hours we share a fund recommendation matched to your risk profile, timeline, and tax situation. You see the reasoning, not just the names.
We stay with you
Monthly reports. Proactive calls when markets move. Annual reviews when your life changes. You are never left to figure it out alone.
Goal planner
What are you investing for?
Pick a goal and see your personalised plan — monthly SIP, projected corpus, all in seconds.
Tap any goal above to see your personalised plan
The uncomfortable truth
Your savings account is
working against you
₹10,000 invested every month for 15 years. Three different places. Very different outcomes.
Savings Account
2.5% p.a.
₹21.8 L
after 15 yrs
Fixed Deposit
7% p.a.
₹31.7 L
after 15 yrs
Market-linked Fund
12% p.a.
₹50.0 L
after 15 yrs
Same ₹10,000/month. Same 15 years.
A savings account gives you ₹21.8L
A market-linked fund gives you ₹50.0L
That's ₹28.2L more — from the same habit, the same discipline, just a different vehicle.
Past performance does not guarantee future results. Market-linked investments carry risk.
A fair question
You can invest directly.
Why work with an advisor?
Honest answer — direct plans exist and work. Here is what the evidence says about what actually separates outcomes.
The behaviour gap is real.
Research consistently shows that average investors earn significantly less than the funds they own — not because the funds fail, but because investors panic-sell at lows and chase winners at highs. Staying invested through a 30% fall is where wealth is actually 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, risk profile, and exit load. The gap between the right fund for your goal and a plausible-sounding wrong one is far larger than most people realise — and it does not show up on your statement until years later.
A platform notifies you. We call.
When markets fall sharply, your salary changes, or your family situation shifts — a goal needs re-examining, not just a notification. We know our clients by name. We reach out first. That one conversation at the right moment can save years of returns.
Our fee comes from the fund house as trail commission — disclosed transparently per SEBI circular HO/IMD/DF2/CIR/P/2018/137. Your investment goes directly to the fund house, never through us. We earn only when you stay invested — our interests are aligned.
27
Investors. We know all of them.
Not accounts — people with names and goals.
17+
Years of financial markets experience.
No starting from zero with us.
1 call
When markets crash, we call first.
Before you panic. Before you sell.
Complete Financial Planning
A portfolio is not a plan.
Growth alone doesn't protect your family. A complete plan needs all four pillars — and most people are missing one.
Protection
Life & health insurance against income loss or medical shocks
Growth
Mutual Fund SIPs for long-term wealth creation
✓ In place
Liquidity
Emergency fund in liquid MFs — 3 to 6 months of expenses
Goals
Education, retirement, and lifestyle mapped to investments
"We don't earn from pushing policies. We earn when your portfolio grows — so protecting it is our job."
— Minakshi Kukreja, Vinayaka Funds
Term Insurance, Health Insurance, Corporate FDs and Loan Against MF also available — see all services →