For families with substantial investment portfolios
When wealth gets complicated, direction matters more than another opinion.
Ancient navigators crossed oceans without seeing the destination — not by following every wave, but by keeping one fixed point, and a reason for every move.
A structured, documented approach for families who want clarity and direction — not a new opinion every time the market moves.
This page is for you if
A different kind of relationship
You don't need to replace every
relationship you already have.
Your bank, your CA, your existing professional relationships — all have their place. Vinayaka Funds adds one focused relationship for your mutual fund investments. One person who knows your history, stays with the relationship, and has no incentive to recommend changes unless changes genuinely serve you.
One person
You deal directly with Minakshi — not a rotating relationship manager. Your history and goals don't reset every 18 months.
A documented process
Decisions follow a defined, written approach — not market noise or quarterly product cycles.
Ongoing attention
The relationship doesn't end at investment. You hear from us proactively — not only when you call.
One handles banking. The other handles the mutual fund structure of your family's long-term capital.
How we review an existing portfolio
Most portfolios have the right ingredients. Rarely the right structure.
When a family brings us their existing investments, we don't begin by recommending new funds. We start by understanding what is already there — and what job each part of the portfolio is actually doing. Five questions we ask about every portfolio:
What is genuinely long-term?
Which part of your portfolio has a long horizon — and is it structured that way, or mixed in with capital that has a different, shorter purpose?
What has a nearer-term purpose?
Capital intended for goals in the next few years should not carry the same level of fluctuation as money that won't be needed for a decade.
Are withdrawals coming — and is the portfolio ready?
For families drawing regular income from their investments, the structure should anticipate those withdrawals rather than react to them.
What needs to stay accessible?
Known commitments, unexpected needs, and opportunities all require a portion of capital that can be reached — without disrupting the rest.
Does your family know what exists?
A spouse or family member should know what is held, why it is held, and who to contact — without starting from scratch if needed.
The objective isn't more funds. It's clarity on what you already own — and a structure that matches where each rupee is actually going.
The investment process
Math doesn't panic.
Many investors struggle not because they picked a bad fund — but because staying disciplined becomes very difficult when markets fall sharply. To address this, we maintain a written investment framework — a documented set of review conditions that defines when a portfolio warrants attention and when it does not. It does not attempt to predict markets or time news events. Instead, it gives us a clear, pre-agreed basis for decisions — so that when markets move sharply, the thinking has already been done. No panic. No guessing. Just quiet execution.
Request a private walkthroughHow we're compensated
Complete alignment. Nothing hidden.
Your money never touches our account
Every investment flows directly from your bank account to the fund house (AMC). Your investments remain in your own folios. We are a distributor — we facilitate, we never hold your capital.
Trail commission — aligned with your growth
We receive trail commission from AMCs on eligible regular-plan assets — based on portfolio value, not on new product sales. When your portfolio grows, our remuneration grows. When it falls, so does ours.
Disclosed per SEBI/HO/IMD/DF2/CIR/P/2018/137 · ARN-340170 · AMFI Registered Mutual Fund Distributor
How we work together
A private, no-pressure process
One conversation — no forms yet
A private introductory conversation — typically 20–30 minutes, more if needed. You share where things stand today, roughly. We listen, ask the right questions, and give you an honest first read. We strongly encourage spouses to join so the whole family understands the architecture. No documents, no commitment at this stage.
A written blueprint — tailored to your situation
We map your goals, tax situation, existing holdings, and timeline. You receive a clear written picture of what we see and what we'd suggest addressing first — not a product list.
Execution + ongoing access
Your portfolio goes live through AssetPlus (SEBI-registered platform). You get access to our private client portal — holdings, SIPs, performance — and a signal alert each time the portfolio needs attention.
Questions we hear most
Straight answers — no product pitch.
The person behind the practice
Minakshi Kukreja
Founder · Vinayaka Funds
Minakshi has spent more than 17 years in financial markets and built Vinayaka Funds around one principle: clients should know exactly who they are dealing with, and that person should stay. Clients work directly with her — no intermediate team, no rotation. The practice is deliberately kept small so every family has her direct attention and her direct number.