Question 1

What is the minimum amount needed to start a SIP?

Accepted Answer

Most schemes allow a SIP from ₹500 per month, and many now start at ₹100. There is no need to wait for a large amount — starting early matters more than starting big.

Question 2

Do I pay you a fee for mutual fund services?

Accepted Answer

No. As an AMFI registered mutual fund distributor (ARN-339397), we are paid a distribution commission by the Asset Management Company. You invest in regular plans and pay nothing directly to us.

Question 3

Can I stop or pause my SIP?

Accepted Answer

Yes. A SIP can be paused, reduced, increased or stopped at any time without penalty. We will always talk through the reason with you first — stopping during a market fall is usually the costliest decision.

Question 4

Are my investments safe with a distributor?

Accepted Answer

Your money never comes to us. It goes directly from your bank account to the Asset Management Company, and units are held in your name with the registrar. We only facilitate and advise.

Question 5

How are mutual funds taxed?

Accepted Answer

Taxation depends on the fund type and holding period, and rules change from time to time. We explain the current applicable treatment before every redemption so there are no surprises.

Question 6

How much term cover should I buy?

Accepted Answer

A practical rule is 15–20 times your annual income plus outstanding loans, minus existing cover. Our Human Life Value based term cover calculator gives you a precise number in under a minute.

Question 7

Will you help me at claim time?

Accepted Answer

Yes. Claim support is the whole point of buying through an advisor. We help you compile documents, coordinate with the insurer and follow up until the claim is settled.

Question 8

My employer gives health cover. Do I still need a policy?

Accepted Answer

Yes. Employer cover ends the day your employment does, is usually modest, and rarely covers parents adequately. A personal policy bought while you are young and healthy locks in lower waiting periods.

Question 9

What happens if I don't disclose a health condition?

Accepted Answer

Non-disclosure is the single biggest reason claims get rejected. We insist on complete disclosure in the proposal form — a policy that pays is worth far more than a cheaper premium.

Question 10

Are you licensed to sell insurance?

Accepted Answer

Yes. We are an IRDAI certified POSP (Point of Sales Person) and solicit insurance products in that capacity.

Question 11

How do we start working together?

Accepted Answer

Book a free consultation. We spend 30–40 minutes understanding your income, goals, existing investments and cover, then share a written plan. There is no obligation to invest.

Question 12

Is the process online or in person?

Accepted Answer

Both. Onboarding, KYC and transactions are fully paperless, and we are happy to meet in person in Bikaner if you prefer.

Question 13

How often will we review my portfolio?

Accepted Answer

At least once a year, and sooner if your income, goals or family situation changes. Reviews are part of the service, not an extra.

Question 14

Will I get sales calls after enquiring?

Accepted Answer

No. We respond once to your enquiry and follow up only if you ask us to. No spam and no pressure — that is a promise.

Question 15

What documents do I need?

Accepted Answer

For mutual funds: PAN, Aadhaar, a cancelled cheque and a photograph for KYC. For insurance: identity, address and income proof, plus medical details where applicable.

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