The person behind your plan
Minakshi Kukreja
AMFI Registered Mutual Fund Distributor · Jalandhar, Punjab
ARN-340170 · NISM Series V-A Certified
Our story
Minakshi Kukreja is a teacher by profession — and for years, she watched the people around her make the same financial mistakes. Chasing last year's top-performing fund. Panic-selling in corrections. Leaving tax exemptions unclaimed. Not because they were careless, but because no one had ever sat down and explained it clearly.
She started Vinayaka Funds to be that person. Her conviction: most investors do not need more products. They need someone who will explain the math honestly, stay reachable, and call them before they make a decision they will regret.
The teacher instinct runs through every conversation. Clients come for the returns. They stay because they finally understand what their money is doing and why.
27
investors we know by name
17+
years of financial markets experience
How we work
Four things we will never compromise on.
01
Explain first, invest second.
We do not recommend anything you do not understand. If you cannot explain the fund to a family member, we have not done our job.
02
Small is intentional.
We work with a limited number of investors. Not because we have to — because it means your call gets answered, not queued.
03
We call when markets fall.
Most advisors go quiet when markets crash. We call before you panic-sell — because that one conversation often saves years of returns.
04
Goals before products.
We start with what you need the money for, and when. The fund choice comes last — not first.
How we select funds
The Investment Framework
Fund selection follows a structured, quantitative process — not market commentary or recent media trends.
Data-Driven Screening
Every fund is evaluated on rolling return percentiles, risk-adjusted metrics, and category peer ranking across multiple time horizons — not one-year performance alone.
Market Context
Asset allocation guidance is anchored in valuation data — earnings yields, PE ratios, and macro indicators. Data sets the context; sentiment does not.
Structural Monitoring
We watch continuously for fund manager exits, mandate drift, AUM bloat, and TER trends. A switch is recommended only when structure changes — never for short-term underperformance.
Behavioural Firewall
The most expensive mistakes happen in volatile markets. Our review process creates a deliberate pause between instinct and action — protecting long-term returns from short-term emotion.
Credentials
AMFI Registered
Authorised Mutual Fund Distributor — ARN-340170. Regulated by SEBI and AMFI.
NISM Certified
Series V-A certified by the National Institute of Securities Markets.
17+ Years Experience
Following financial markets through bull runs, crashes, and recoveries — and advising clients through each of them.
Transparent Compensation
We earn trail commission from fund houses — disclosed per SEBI circular. No hidden charges, no advisory fees, ever.
Technology partner
Powered by AssetPlus
Your account, transactions, and portfolio are managed through AssetPlus — one of India's leading platforms for mutual fund distributors. 100% paperless. Online KYC. Real-time portfolio tracking via the AssetPlus app.
Your money goes directly to the fund house — never through us.