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 usBuild
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
Start today
₹10,000/mo
→ ₹1 Crore in 20 yrs 9 mo
Wait 5 years
₹19k/mo
+92% more to reach same goal
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
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.
We build your plan
Within 48 hours: a fund recommendation matched to your risk profile, timeline, and tax situation. You see the reasoning.
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

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 work30 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.
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.
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.
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.
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.
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.
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.
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.
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 →
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