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Goal map
Every goal — house, child's education, retirement — mapped to a corpus, horizon and monthly SIP.
Mutual Funds
Mutual funds, chosen with a plan not picked off a leaderboard.
SIP, lumpsum, SWP and legacy portfolio reviews — mapped to your goals and risk profile across 38 AMCs, with quarterly reviews and tax-loss harvesting built in.
38
AMCs compared
14.1%
Median 10-yr SIP XIRR
8
Fund categories
Why mutual funds
What are the benefits of investing in mutual funds?
Depending on your investing goals, mutual funds offer several important features that can make them a good option for investors like you.
Diversification
A mutual fund holds a variety of assets — often 100+ securities across companies — so risk is inherently spread out.
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Liquidity
You can redeem units any business day. The fund buys back your units at the current NAV, less any exit load.
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Efficiency
Buying securities one by one racks up brokerage. A mutual fund's annual expense ratio is a far more cost-effective way in.
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Professional management
A SEBI-registered fund manager researches, selects and rebalances the portfolio for you, full-time.
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Flexibility
Security
Long-term growth
Our mutual fund services
Funds for every goal and horizon.
We map each goal to the right product — not the other way around. Here's what each one does.
How it works
From goal map to review, in four steps.
A structured, ongoing process — not a one-time fund recommendation.
Simple processHassle-free claims
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Fund selection
We shortlist funds from 38 AMCs based on rolling returns, risk-adjusted performance, AUM and fund manager track record.
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Automate
SIP mandates set up across selected funds. Step-up mandate (5–10% annual increase) set by default.
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Review
Quarterly portfolio review. Annual rebalancing. Tax-loss harvesting where applicable. Goal tracking every 6 months.
AMFI guidelines
Regulations that protect you.
Six things every mutual fund investor is entitled to know — before you invest a single rupee.
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KYC Mandatory
All mutual fund investors must be KYC-compliant. You need PAN, Aadhaar and bank details. We assist with KYC completion at no charge.
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Direct vs Regular Plans
Direct plans have lower expense ratios (no distributor commission). Regular plans include a trail fee. We offer both — with full disclosure of what we earn.
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Exit Load
Most equity funds charge 1% exit load if redeemed within 1 year. Liquid and overnight funds typically have no exit load. Always check the SID.
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Expense Ratio
The annual cost deducted from the fund's NAV. SEBI has capped this at 1.05% for direct plans and 1.55% for regular plans (equity, > ₹50K Cr AUM).
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Nomination
SEBI mandates nomination for all folios. You can add up to 3 nominees with defined percentages. Unnominated folios may face redemption delays.
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Tax Treatment
LTCG on equity funds > ₹1.25L per year taxed at 12.5%. STCG at 20%. Debt funds taxed as per income slab. ELSS units locked for 3 years.
Risk Disclosure
Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance is not an indicator of future returns. Investors should consult their financial adviser if in doubt about whether a product is suitable for them. Pingale Financial Services is an AMFI-registered mutual fund distributor (ARN-XXXXXX). We may earn trail commissions on regular plan investments; direct plan investments do not attract any commission. Exit loads and expense ratios vary by scheme — please refer to the scheme information document.
FAQs
Frequently asked
questions.
Common questions, honestly answered.
Direct plans have lower expense ratios (0.1–0.5% cheaper per year) because there's no distributor commission. Over 20 years, that difference is significant. We offer both — regular plans where the convenience of advisory is worth the fee, and direct plans on our flat-fee advisory model. We disclose exactly what we earn, always.
If you're in your 20s or 30s, target 20–25% of monthly take-home toward long-term goals. If that's not possible, start with ₹1,000/month and step it up 10% every year. Consistency and the step-up matter far more than the starting amount.
Yes — anytime, with 30 days' notice to the AMC. We strongly recommend against pausing during market falls. That's precisely when SIPs accumulate more units at lower prices — the fundamental mechanism that makes rupee-cost averaging work.
Mutual fund assets are held in a trust structure regulated by SEBI. Your money is held by an independent custodian and trustee company — not by the AMC, not by us. Even if a distributor or AMC shuts down, your units remain in your folio with the registrar (CAMS/KFintech).
Equity funds: LTCG (after 1 year) above ₹1.25L taxed at 12.5%; STCG (within 1 year) at 20%. Debt funds (after April 2023): all gains taxed as per your income slab, irrespective of holding period. ELSS: 3-year lock-in; gains treated as LTCG.
The expense ratio is the annual fee the fund deducts from NAV to cover fund management costs. A 1% expense ratio means ₹1,000 per ₹1,00,000 invested per year. Over 20 years, a 0.5% difference in expense ratio can reduce your final corpus by 8–12%. It matters enormously for long-term investing.
Clear answers. Better decisions.
Expert Guidance
Get a free investment consultation
Tell us your goals and timeline — we'll map the right funds across 38 AMCs and set up a plan you can actually stick to.
Disclaimer: Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Past performance is not an indicator of future returns. Investors in the schemes are not being offered any guaranteed or assured returns. Pingale Financial Services · AMFI Reg. No. ARN-XXXXXX · Valid through 31-Oct-2027 · SEBI registered Investment Adviser — Registration No. INA000000000.