What we do
One relationship.
Everything your money needs.
From your first investment to every goal along the way. One relationship, no advisory fees, no hidden charges.
Goal Planning
Map every goal to a fund and a timeline
SIP Execution
Paperless setup · auto-debit · monthly tracking
Annual Review
6 structural triggers · no performance chasing
How we earn: Trail commission paid by fund houses on assets under management — disclosed per SEBI circular IMD/DF2/CIR/P/2018/137.You pay zero advisory fees. Your returns are already net of all commissions.
What's included
Five services. One relationship.
Mutual Fund Investing
SIP · Lumpsum · Systematic Withdrawals
We help you invest in hand-picked mutual funds — Regular Growth plans across equity, debt, and hybrid categories — matched to your goal, timeline, and risk profile. SIPs set up once run automatically. Lumpsums deployed strategically when market conditions are in your favour.
Goal-Based Financial Planning
Free · One conversation · No obligation
Before any fund is recommended, we understand your goals. Retirement savings, child's education, house purchase, or early retirement — each goal gets its own timeline, required return, and fund allocation. You see the full plan before committing.
Risk Profiling
Thoughtful · Data-backed · Not a guess
A structured assessment covering your financial capacity, investment timeline, and how you naturally respond to market drops. Your result maps directly to a specific, pre-vetted fund portfolio — not a generic moderate/aggressive label.
Annual Portfolio Review
Structural · Not performance chasing
Once a year we review your portfolio against 6 specific triggers. We never recommend switching a fund for short-term underperformance. Switches happen only when something structurally changes — a fund manager leaving, the fund drifting from its original mandate, or the fund growing too large for its strategy to work.
Proactive Tracking
Monthly reports · We call first
You receive a monthly summary of your portfolio performance. When markets move significantly — up or down — we reach out before you have to ask. No waiting for a quarterly review when markets are in free-fall.
Under the hood
How we select funds
Fund selection follows a structured, quantitative process — not market commentary or recent media trends.
Data-Driven Screening
Every fund is evaluated on consistent long-term performance and risk management — not just last year's top winners.
Market Context
We look at the actual math behind the markets — earnings and valuations — rather than getting swept up in media hype or sentiment.
Structural Monitoring
We monitor your funds continuously for structural changes, like a manager leaving or a strategy shifting. We never switch funds just because of a temporary dip.
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.
What you get
- Personalised risk profiling and fund selection
- SIP setup and modification (via AssetPlus)
- Annual portfolio review against 6 structural triggers
- Proactive market updates and calls
- Tax optimisation review (managing Long-Term Capital Gains and tax-efficient withdrawals)
- Goal review when life circumstances change
- Portfolio restructuring — helping you transition from scattered or underperforming investments to a clean, goal-aligned portfolio
What we don't do
- Stock market (direct equity) advice — we distribute MFs only
- Crypto, derivatives, or speculative instruments
- SEBI-registered Investment Advisory (we are MFD, not RIA)
- Charge out-of-pocket advisory fees — our services are completely free for you
- Products we manufacture or underwrite — insurance and FDs come from licensed insurers/NBFCs
We are not the right fit for day traders, crypto enthusiasts, or anyone looking for overnight wealth. Our approach is long-term, goal-based, and deliberately boring — by design.
Also via AssetPlus
Protection & Liquidity
Beyond mutual funds, we can help you access term insurance, health cover, corporate FDs, and loans against your portfolio — all through AssetPlus.
Term Life Insurance
Pure protection · No investment mix-up
Compare pure term plans from 10+ insurers on claim settlement ratio — not commission. No investment mix-up, no hidden charges.
Explore term plans via AssetPlusHealth Insurance
Family floater · Cashless · 10,000+ hospitals
One hospitalisation can cost ₹2–5 lakh. Your employer cover lapses when you leave — a personal health plan ensures one medical event does not wipe out years of SIP savings.
Explore health plans via AssetPlusCorporate Fixed Deposit
AAA-rated · Higher yields than bank FDs · Flexible tenures
AAA-rated FDs from Bajaj Finance, Shriram, and Mahindra Finance — offering competitive yields for the capital-preservation portion of your portfolio.
Explore corporate FDs via AssetPlusLoan Against Mutual Funds
Liquidity without selling your investments
Pledge your MF units for an overdraft credit line — typically cheaper than a personal loan (rates indicative, subject to lender terms), with SIPs continuing uninterrupted.
Check eligibility via AssetPlusAll insurance and lending products are distributed via AssetPlus. Vinayaka Funds (ARN-340170) acts as a distributor, not an insurer or lender.
One platform for everything
Powered by AssetPlus
Mutual funds, insurance, corporate FDs, and loan against MF — all managed from one AMFI-registered platform. 100% paperless, online KYC. Your money goes directly to the fund house or insurer, never through us.
Vinayaka Funds (ARN-340170) is an AMFI Registered Mutual Fund Distributor, not a SEBI Registered Investment Adviser. Services described on this page relate to mutual fund distribution activity. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future results.