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AMFI REGISTERED

Grow Wealth with Expert-Curated Mutual Fund Portfolios

Access 1,000+ mutual funds across equity, debt, and hybrid categories — guided by AMFI-registered advisors who align every choice to your financial goals.

AMFI
Registered advisors
200+
Investors guided
₹500
Minimum SIP
Indicative Fund Performance
Expected CAGR12% p.a.
Risk LevelModerate
Recommended Horizon3–5 years
Tax (LTCG)After 1 year
Minimum Investment₹500 SIP
KEY BENEFITS

Why Invest Through FinGarage

AMFI-Registered Advisors

Every recommendation comes from AMFI-registered mutual fund distributors who are legally qualified and accountable for the advice they give.

Goal-Based Fund Selection

We start by understanding your goals — child education, home purchase, or retirement — and build a portfolio that maps each rupee to a specific outcome.

Direct Plan Investments

We invest in direct plans wherever suitable, saving you up to 1% per annum in expense ratios — that compounds to lakhs over a 10-year horizon.

Regular Performance Review

Quarterly portfolio reviews ensure your funds are performing against benchmarks and peers. We switch funds proactively when performance lags for 3 quarters.

Tax Harvesting

Our advisors identify opportunities to book losses and gains strategically, reducing your annual tax liability without disrupting your long-term investment plan.

Online Portfolio Tracking

View all your investments — across fund houses — in a single consolidated dashboard. Track returns, asset allocation, and upcoming SIP dates at a glance.

WHO SHOULD INVEST

Is This Right for You?

Mutual funds suit a wide range of investors — from beginners to sophisticated wealth builders. Here's who benefits most.

  • First-time investors looking for professionally managed portfolios
  • Salaried professionals seeking market-linked returns above FD rates
  • Tax savers wanting 80C benefits through ELSS funds
  • Investors with a 3+ year horizon and moderate risk appetite
  • NRIs with Indian income looking for regulated investment options
  • Retirees seeking a mix of growth and stable income funds

Documents Required

  • PAN card (mandatory for all investments)
  • Aadhaar card for KYC verification
  • Active bank account for auto-debit setup
  • KYC completion (one-time, takes 10 minutes online)
  • Cancelled cheque or bank statement for ECS mandate
THE PROCESS

How It Works

1
Complete KYC

Submit your PAN and Aadhaar details online. KYC verification is instant for most investors and a one-time process across all fund houses in India.

2
Set Your Goal

Tell our advisor what you're investing for — child education, retirement, home purchase, or wealth creation — and your timeline and monthly budget.

3
Choose Funds

Our AMFI-registered advisor recommends a curated shortlist of funds across categories, balanced for your risk profile. You approve before any money moves.

4
Start Investing

Set up auto-debit for your SIPs and invest lump-sum amounts with a single click. Track all investments in one place from day one.

Frequently Asked Questions

Can I start a mutual fund SIP with just ₹500?
Yes. Many top-performing equity funds, including large-cap and ELSS funds, accept SIPs starting at ₹500 per month. You can start small and increase your investment as your income grows — a feature called SIP top-up.
How are mutual fund returns taxed?
For equity funds, gains from redemptions held over 1 year are taxed at 10% as Long Term Capital Gains (LTCG) above ₹1 lakh per year. Short-term gains (under 1 year) are taxed at 15%. Debt fund gains are taxed at your income tax slab rate regardless of holding period.
What is the difference between regular and direct mutual funds?
Direct plans have lower expense ratios because there's no distributor commission. Over 10–15 years, the difference in returns can be significant — often 0.5–1% per annum. Our advisors recommend direct plans where they deliver better long-term value after accounting for advisory costs.
Can I withdraw my mutual fund investment anytime?
Most open-ended mutual funds allow redemption anytime, with proceeds credited to your bank account within 1–3 business days. ELSS funds have a mandatory 3-year lock-in. Some funds charge an exit load (typically 1%) if you redeem within 1 year of investment.
Are mutual funds safe? Can I lose all my money?
Mutual funds are market-linked and carry varying degrees of risk. Equity funds can see short-term losses but historically deliver inflation-beating returns over 5+ years. Debt funds carry lower risk. Diversified portfolios and long investment horizons significantly reduce the risk of permanent capital loss.

Start Your Mutual Fund Journey Today

Speak with an AMFI-registered advisor, get a personalised portfolio recommendation, and begin investing in under 10 minutes.