What we do
One relationship.
Everything your money needs.
From the first conversation to your retirement SWP — we handle fund selection, portfolio monitoring, and annual reviews. No advisory fees. No hidden charges.
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
Six services. One relationship.
Mutual Fund Investing
SIP · Lumpsum · STP · SWP
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 placed with timing guidance based on valuation signals.
- SIP setup across 1–4 funds per portfolio
- Lumpsum guidance using PE-ratio and macro indicators
- Systematic Transfer Plans (STP) for parking and deploying large amounts
- Systematic Withdrawal Plans (SWP) for retirement income
Goal-Based Financial Planning
Free · One conversation · No obligation
Before any fund is recommended, we understand your goals. Retirement corpus, child's education, house purchase, or FIRE — each goal gets its own timeline, required return, and fund allocation. You see the full plan before committing.
- Free 20-minute discovery call — no forms, no sales pitch
- Goal mapping: amount, timeline, risk tolerance
- Written fund recommendation with reasoning
- Onboarding via AssetPlus (100% digital, 0 paperwork)
Risk Profiling
Quantified · IPS-linked · Not a guess
A structured 25-question assessment across 5 dimensions — financial capacity, investment knowledge, time horizon, behavioural tolerance, and liquidity needs. Your score maps directly to a fund portfolio from our Investment Policy Statement.
- Scored across 5 dimensions (not just one "risk appetite" question)
- Conservative, Moderate, Aggressive, or Very Aggressive profile
- Hard caps: no equity if <1Y horizon; no small cap if <5Y
- Profile reviewed annually or when life changes
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 — manager exits, mandate drift, or AUM bloat.
- Manager change review (< 3Y track record in current role)
- AUM bloat check (mid/small cap > ₹25,000 Cr)
- Mandate drift detection (2+ consecutive months)
- Bottom-quartile peer comparison on 3Y rolling returns
- TER outlier flag and governance breach monitoring
Portfolio Intelligence
Monthly reports · Proactive calls
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.
- Monthly portfolio performance summary
- Proactive call when market falls >10% in a month
- Year-end tax optimisation review (LTCG harvesting)
- Annual allocation rebalancing if equity/debt drifts >5%
Client Portal
Live NAV · Historical returns · Anytime
Every client gets access to a dedicated portal at vinayakafunds.com/portfolio — with live holdings, NAV-based growth charts, SIP status, and transaction history. No need to check four different apps.
- PAN-linked login — no separate registration
- Live NAV-based corpus and gain/loss tracking
- SIP list with amount, date, and status
- Full transaction history in one place
What you get
- Personalised risk profiling and fund selection
- SIP setup and modification (via AssetPlus)
- Annual portfolio review
- Proactive market updates and calls
- Client portal access with live data
- Tax optimisation review (LTCG/SWP structure)
- Goal review when life circumstances change
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)
- Advisory fees — we earn trail commission from fund houses, not from you
- Products we manufacture or underwrite — insurance and FDs come from licensed insurers/NBFCs
Also via AssetPlus
Protection & Liquidity Products
Beyond mutual funds, we help you build a complete financial safety net — insurance, safe debt alternatives, and liquidity without disrupting your investments.
Term Life Insurance
₹1 Crore Cover
from ₹700/month · 100% pure protection
If something happens to the breadwinner, your family's financial plan shouldn't collapse. Term insurance is the cheapest form of life cover — no investment mix-up, no ULIPs. We compare plans from 10+ insurers and help you choose based on claim settlement ratio, not commission.
- ₹1 Cr cover for a 30-year-old: ₹700–₹900/month
- Pure term only — no endowment, no ULIPs
- Claim settlement ratio checked before recommending
- Compare 10+ insurers on AssetPlus in one place
Health Insurance
₹10 Lakh Family Cover
cashless · 10,000+ hospitals · family floater
A single hospitalisation can cost ₹2–5 Lakh. Your employer's group policy covers you only while you're employed — and usually under-insures. Without a personal health plan, one medical emergency can wipe out years of SIP savings.
- Family floater ₹10L: typically ₹15,000–₹25,000/year
- Cashless at 10,000+ network hospitals across India
- No-claim bonus: cover grows 10–50% each claim-free year
- Pre-existing conditions covered after waiting period
Corporate Fixed Deposit
Up to 8.5% p.a.
AAA-rated · higher than bank FDs · predictable
Corporate FDs from CRISIL AAA-rated companies — Bajaj Finance, Shriram Finance, Mahindra Finance — offer 0.5–1.5% higher interest than savings bank or post-office FDs. Ideal for the stable debt portion of your portfolio without locking into bonds.
- Only AAA and AA+ rated issuers (CRISIL/ICRA)
- Flexible tenures: 12, 18, 24, 36, 60 months
- Interest payout: monthly, quarterly, or cumulative
- 100% digital via AssetPlus — no physical forms
Loan Against Mutual Funds
Instant Liquidity
without selling your investments
Need funds urgently? Pledge your existing mutual fund portfolio as collateral and get an overdraft credit line — instead of selling units and losing out on future growth. Far cheaper than a personal loan, and your SIPs keep running.
- Credit line: up to 50–80% of your MF portfolio value
- Interest only on amount drawn, not the full limit
- Rate: 9–11% vs 14–18% for personal loans
- Units stay invested — you don't miss the recovery
All insurance and lending products are distributed via AssetPlus — a SEBI-registered MFD platform. 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.