26 families.
17 years.
Zero advisory fees.
We are a small mutual fund practice in Jalandhar, Punjab. We help families invest for their goals — explained clearly, managed actively, at no cost to you.
Minakshi Kukreja
Founder · NISM V-A Certified · Jalandhar, Punjab
ARN-340170
AMFI Registered
NISM V-A
Certified
17+ Years
Market experience
₹0 Fee
Advisory charge
Who comes to us
Three situations we know very well.
Your first SIP.
You know SIPs are good. You don't know which fund, how much, or where to start. That's exactly where this conversation begins.
Too many goals, one salary.
Child's education. Home. Retirement. All at once. You need a plan that doesn't break when priorities shift.
Existing portfolio, no clarity.
LIC, FDs, random funds — invested for years but no idea if it's enough or on track. Time for an honest review.
See what your money can become.
Assumed at 12% p.a. Historical long-run equity MF average. Past returns are not a guarantee.
In 15 years your ₹5K/month becomes
2.8× your total investment
Our story
A teacher who got tired of watching people make the same financial mistakes.
Minakshi Kukreja spent years watching the people around her chase last year's top fund, panic-sell in corrections, leave tax exemptions unclaimed — not because they were careless, but because no one had ever sat down and explained it clearly.
She started Vinayaka Funds with one conviction: most investors don't need more products. They need someone who will explain the math honestly, stay reachable, and call before they make a decision they'll regret.
Book a free conversation"The teacher instinct runs through every conversation."
How we work
Four things we will never compromise on.
Explain first, invest second.
We will not put your money anywhere we cannot explain to you in plain language. If you cannot describe the fund to a family member, we haven't done our job.
Small is intentional.
We work with fewer clients on purpose. It means your call gets answered, not queued. 26 investors — every one known by name, goal, and circumstance.
We call when markets fall.
Most advisors go quiet in a crash. We call before you panic-sell. That one conversation often saves five years of disciplined investing.
Goals before products.
We start with what you need the money for and when. The fund comes last — always. What you need determines what you should own.
How to start
Three steps. Zero pressure.
You reach out.
A call or email. No forms, no sales pitch. Just tell us what you're trying to do.
We map your goal.
30 minutes. We listen, then show you a plan — fund category, amount, timeline. Nothing sold; everything explained.
You decide.
When ready, your account is live in 10 minutes on AssetPlus (SEBI-registered). Your first SIP runs that week.
Compensation model
Zero advisory fees. Trail commission disclosed.
We earn a trail commission from the fund house — disclosed per SEBI circular HO/IMD/DF2/CIR/P/2018/137. This comes from the fund's expense ratio, not from you separately. Ask what we earn on any fund we recommend. We will tell you, in writing if you prefer.
What this means for you
- No advisory fee, ever
- No hidden deductions from your investment
- No minimum corpus required
- Full redemption freedom at any time
- Commission disclosed on request
Questions
Things people ask before they start.
Honest answers. No marketing language.
Ready? Or just curious?
Both are fine. We will call within 24 hours.