Products
Six families of investments, each explained in plain language: what it is, what it takes, and who it suits. We'll help you decide what belongs in your plan.
Mutual Funds
The foundation of most long-term plans.
Pooled funds managed by SEBI-registered asset management companies, investing in equity, debt or a mix of both. You can start small with a monthly SIP, invest a lump sum, move money gradually with an STP, or draw a regular income with an SWP.
- Start with
- A few hundred rupees a month
- Horizon
- Days (liquid) to 7+ years (equity)
- Access
- Open-ended funds redeem in a few working days
Suits almost everyone, from a first SIP to a family's core portfolio.
Discuss mutual funds with a co-founderPMS & AIF
Professionally managed, for larger portfolios.
A Portfolio Management Service runs a concentrated portfolio of stocks held directly in your own demat account. Alternative Investment Funds pool money into strategies beyond listed equity, such as private credit, pre-IPO and long-short funds.
- PMS minimum
- ₹50 lakh (SEBI)
- AIF minimum
- ₹1 crore (SEBI)
- Horizon
- 3 to 5 years or more
Suits investors with larger surplus who can accept concentration and, for most AIFs, a lock-in.
Discuss PMS and AIF with a co-founderGlobal Investing & GIFT City
Diversify beyond India, in US dollars.
Global Market PMS gives you managed exposure to international equities and themes. GIFT City, India's International Financial Services Centre in Gujarat, offers US-dollar funds you can access from an Indian base.
- Currency
- US dollar
- Route for residents
- Liberalised Remittance Scheme, up to USD 2,50,000 a year
- Why
- Geographic and currency diversification
Suits families with goals abroad, or a large India-only portfolio that wants balance.
Discuss global investing with a co-founderFixed Income
Steadier income alongside your equity.
Corporate and PSU bonds and corporate deposits pay a stated rate of interest for a fixed term. They bring predictability to a portfolio, with returns and safety that depend on the issuer's credit quality.
- Returns
- Fixed coupon, paid on schedule
- Key risk
- Issuer credit, check the rating
- Tenure
- Typically 1 to 10 years
Suits retirees and anyone who needs regular income or wants to steady an equity-heavy portfolio.
Discuss fixed income with a co-founderInsurance
Protection first, before you invest a rupee.
Term life insurance replaces your income for your family if something happens to you. Health insurance covers hospital bills that would otherwise come out of your savings. We help you size both to your real needs.
- Life cover
- Often 10 to 15 times annual income
- Health cover
- Family floater, plus a top-up
- Principle
- Keep insurance and investing separate
Insurance is the subject matter of solicitation. Cover amounts above are common starting points, not a recommendation for your situation.
Estimate the cover your family needsReal Estate
Tangible assets, chosen with care.
Selected residential and commercial opportunities for families who want property as part of a diversified plan, with clear-eyed attention to location, liquidity and total cost of ownership.
- Ticket size
- Typically large
- Liquidity
- Low, plan to hold
- Horizon
- 7 years or more
Real estate is not a mutual fund product. It is offered through independent partners and falls outside AMFI's purview.
Discuss real estate with a co-founder