The math that changes everything
Same ₹50 lakh. 10 years. Very different outcomes.
At 30% tax bracket, FD's real return is 5.16%. The gap with equity funds — after LTCG — is ₹53 lakh on ₹50 lakh invested.
Fixed Deposit — 30% bracket
₹83 lakh
₹50L after 10 years
Equity Mutual Fund — LTCG
₹1.36 crore
₹50L after 10 years
Illustrative. Equity returns are not guaranteed. LTCG effective rate depends on annual gains and harvest strategy. Past returns of equity markets are not indicative of future performance.
Does any of this describe you?
If yes to even three or four — this page was written for you.
Your income puts you in the 30% tax bracket
You have a large lump sum to invest — bonus, inheritance, or property sale proceeds
You hold 10+ mutual funds bought from different banks over the years
Your FD interest is fully taxed at 30% and it bothers you
You want regular monthly income from investments — without locking it in an FD
You have a ULIP or LIC endowment that has not performed as expected
A bank RM keeps calling you with new NFOs and schemes you did not ask for
You want one person who understands your complete financial picture
HNI Questions
The questions that actually matter at your level
Plain answers — no product pitches, no jargon.
Tax & LTCG Efficiency
6 questionsLarge Lump Sums
5 questionsRegular Income via SWP
5 questionsPortfolio Cleanup
5 questionsMutual Funds vs PMS / AIF
4 questionsFamily & Succession
4 questionsWhy Vinayaka Funds for HNI
What a small firm gives you that a large bank cannot
No product targets
Bank RMs have quarterly quotas — insurance, ULIPs, in-house funds. We have no such targets. Every recommendation is driven by what suits your goal.
You always reach the same person
Bank RMs rotate every 12–18 months. You rebuild the relationship from scratch. With us, the person who set up your SIP is the same one you call when markets crash.
Full transparency on compensation
We are compensated through the trail commission on regular plan investments — a small annual percentage that you can see in your fund's expense ratio. No hidden charges, no exit fees, no surprises.
Annual review, not quarterly product calls
We review your portfolio once or twice a year — to check goal alignment, rebalance if needed, and harvest LTCG. We do not call you to switch funds unless there is a genuine reason.
All content on this page is for educational purposes only and does not constitute investment, tax, or legal advice. Mutual fund investments are subject to market risks. Returns mentioned are illustrative and not guaranteed. Tax laws are subject to change — consult your CA for advice specific to your tax situation. Past performance of equity markets is not indicative of future returns.
Vinayaka Funds — AMFI Registered Mutual Fund Distributor | ARN-340170