MFD-first wealth platform · Kota, Rajasthan → all India
Saarthi Capital is an AMFI-registered mutual fund distributor helping families across India invest with a plan-goal-mapped SIPs, honest math, zero jargon. Loans, deposits, insurance and tax planning sit under the same roof, whenever you need them.
SIP journey
₹10,000 / month · 15 years
You invested
₹18.0 L
It became
₹47.6 L
*Illustrative only, not a return promise. Markets move-plans matter.
ARN pending display
The cost of waiting
Same ₹10,000 a month, same assumed return-only the start date changes. Five years of hesitation is the most expensive line item in most families' finances.
≈ ₹78 lakhlost by starting 5 years late
Start today · 25 years
Start 5 years later · 20 years
Illustrative, at assumed 12% p.a. - not a guarantee. Mutual fund investments are subject to market risk.
Same market · two outcomes
Illustrative behaviour gap, based on typical investor patterns - not a performance promise.
The behaviour gap
Not because they picked the wrong fund-because they bought in euphoria, sold in fear, and sat in cash while the market recovered without them. The fix is not a better tip. It's a better process.
Why families pick Saarthi
Real replies from your advisor within one business day.
Trail fees disclosed upfront-never hidden charges to you.
Every recommendation arrives with its reason in writing.
Scheduled annually, with rebalance triggers in between.
Funds, loans, deposits, insurance and tax-coordinated.
40+ calculators and daily gold-silver rates. No sign-up.
Still reading? The plans compound; the hesitation does too. A 20-minute conversation costs nothing.
Talk to an advisorIn plain words
We are a mutual fund distributor first. That means we help families invest with a plan-and around that core we arrange loans, deposits, insurance and tax planning so nothing in your money life works against anything else.
Step 1
Retirement at 50? A home in 7 years? "I just don't want to be poor in old age"? All valid. We listen first, in Hindi or English, before any product is mentioned.
Step 2
Mutual funds first-goal-mapped SIPs, step-ups and SWPs. Loans, deposits, insurance and tax moves join in only where they genuinely fit. Every recommendation comes with its reason in writing.
Step 3
Scheduled annual reviews, rebalance triggers when markets move, and a human who answers on WhatsApp. A plan that isn't reviewed isn't a plan-it's a hope.
How we earn, honestly: we earn trail commissions from fund houses on regular plans-disclosed upfront, never hidden fees from you. If a product doesn't fit your plan, we don't recommend it.
We hear this every week
Most families don't avoid investing because they're careless-they've been burned, confused, or abandoned before. Here's each fear, answered concretely.
The fear
At 6% inflation, ₹10 lakh in a savings account quietly shrinks to the buying power of about ₹5.6 lakh in ten years. Doing nothing is also a decision.
The Saarthi answer
Goal-linked SIPs that aim to beat inflation over time-money mapped to named goals with dates, reviewed so it stays on track.
The fear
Anonymous tips carry no accountability. When the tip goes wrong, the group goes silent-and it's your money that's gone.
The Saarthi answer
Documented recommendations with reasons. Every suggestion comes with the “why” in writing-risk, horizon, liquidity-so you can question it.
The fear
Half the policies in India are bought to help someone else's target. You only discover the lock-ins and charges years later.
The Saarthi answer
Trail commissions disclosed upfront. We earn from fund houses on regular plans-standard, built into the expense ratio, and explained before you invest. Never a hidden fee from you.
The fear
The agent who was so attentive before the cheque clears becomes unreachable the moment you need service, a claim, or a review.
The Saarthi answer
Scheduled annual reviews plus a human on WhatsApp. Rebalance triggers, life-event checkpoints, and a reply within one business day-by design, not by mood.
Our focus
Mutual funds are the core of what we do-SIPs, lumpsum, step-ups and SWPs mapped to named goals. Around that core, loans, deposits, insurance and tax planning play the supporting roles, so your whole money life answers to one plan.
Goal mapping first
Retirement, education, a home-every SIP answers to a named goal with a date.
Curated fund shortlists
We filter thousands of schemes down to a handful that fit your risk and horizon.
SIP, step-up & SWP design
Start small, step up with salary hikes, withdraw smartly in retirement.
Reviews that actually happen
Scheduled annual reviews and rebalance triggers-documented, not forgotten.
Real situations, real math
Three households, three very different worries-and the shape of a Saarthi plan for each. Your numbers will differ; the discipline won't.
The salaried professional
29 · ₹85,000/month · first job, big dreams
Step-up SIP journey
Invested
₹43.1 L
Projected at 45*
₹97.1 L
The worry
“My salary is decent, but after rent and EMIs I don't know where it goes. Everyone says invest-nobody says how.”
The Saarthi plan
A ₹10,000/month step-up SIP (growing 10% with every hike), a ₹2 Cr term plan costing less than a weekend dinner per month, and an emergency fund so the SIP never has to stop.
The outcome
Investing ₹43.1 L over 16 years projects to roughly ₹97.1 L by age 45-at an assumed 12% p.a.-with the family protected the whole way.
The Tier-2 business owner
41 · seasonal income · surplus sits idle in current account
The worry
“Business money comes in lumps. It lies in the bank for months, and every March I'm scrambling for 80C receipts.”
The Saarthi plan
A laddered FD stack for safety and liquidity, a ₹30L hybrid corpus paying about ₹20,000/month via SWP, and year-round tax planning instead of a March panic.
The outcome
Roughly ₹46,800/year saved in tax via full 80C use (at the 30% slab + cess), idle cash finally earning, and a salary-like monthly income the business cycle can't disturb.
The near-retirement parent
55 · retires in 5 years · terrified of outliving savings
Monthly income stream
SCSS + Post Office MIS + a small conservative SWP-predictable money landing every month.
The worry
“My PF and gratuity will come at 60. After that-what? I can't take risks now, but FD alone won't beat inflation and medical costs.”
The Saarthi plan
A conservative debt-first allocation, ₹15L in SCSS and ₹9L in Post Office MIS for assured income, and a full health-insurance review before retirement begins.
The outcome
About ₹30,750 every quarter from SCSS plus ₹5,550/month from MIS (at current indicative rates)-a predictable floor of income, with medical cover gaps closed before they become emergencies.
*Illustrative examples, not actual clients or guaranteed outcomes. Projections assume constant returns (markets don't work that way) and current indicative scheme rates-mutual fund investments are subject to market risk.
Live rates
City-wise 18K, 22K (22kt) and 24 carat gold prices plus chandi rate per gram-refreshed several times a day, with charts and purchase calculators. A free tool by Saarthi Capital, so you never walk into a jeweller uninformed.
Free tools
SIP, EMI, FD, PPF, income tax-45 premium tools, free forever, built mobile-first for quick answers.
Why Saarthi
Fewer surprises, cleaner paperwork, and decisions you can revisit with confidence-that is what families actually pay attention to.
01
We explain the “why” behind every recommendation-risk, horizon, liquidity, tax-so consent is truly informed.
02
Investments, loans, insurance and taxes influence each other. We plan them together, never in silos.
03
40+ free calculators to stress-test every idea before a rupee moves. What you see is what we sign.
04
Annual reviews, rebalance triggers, life-event checkpoints-your plan evolves as your life does.
How we work
Four steps, repeated with rigour: clarity first, commitment second.
01
Discover
Goals, constraints, timelines, existing holdings-captured once, reused intelligently.
02
Design
Scenarios with calculators; portfolio & protection architecture aligned to your cash flows.
03
Deploy
Paperless execution with checkpoints-mutual funds, deposits, insurance, loan filings.
04
Deliver
Reviews, rebalancing discipline and tax-season readiness-documented and predictable.
Client voices
What people remember is rarely the return chart-it is being told the truth, in plain words, on time.
For the first time someone explained where my money goes and why. No jargon, no pressure-just a plan I could actually read.
I asked the same question three different ways and got the same patient answer each time. That consistency built my trust.
They told me what they earn from my investments before I even asked. Nobody in this business had done that for me before.
When markets fell, my advisor called me before I called him. We reviewed the plan and stayed the course. That call was worth everything.
I almost surrendered an old policy out of frustration. They showed me the actual math first-and saved me from an expensive mistake.
My father's paperwork, my SIP, my wife's health cover-all coordinated by one team that answers on WhatsApp. Simple.
Names abbreviated for privacy. Experiences shared with consent; they describe our service, not investment returns.
Mutual fund distribution (MFD) is our focus and first love-SIPs, lumpsum, step-ups and SWPs mapped to your goals. Around that core we also help with personal loans, fixed & recurring deposits, insurance and tax planning, so your whole money life stays coordinated.
Send an enquiry below. We schedule a short discovery conversation, understand your goals and horizon, help you complete KYC, and then set up your first SIP-paperless, in your own name, with the fund houses that fit your plan.
Many mutual fund schemes allow SIPs starting at just ₹500 per month. What matters more than the amount is starting early and stepping up as your income grows-our calculators show exactly how that compounds.
No. All 40+ calculators are completely free, and the discovery conversation costs nothing. As a mutual fund distributor we earn trail commissions from fund houses on regular plans-this is standard, built into the expense ratio, and we explain it transparently before you invest.
Your money never sits with us. Investments go directly to the fund house (AMC) and units are held in your name, tracked by registrars like CAMS and KFintech. We guide, execute and review-you always own and control your investments. Market risk itself remains, which is why goal-mapping matters.
Not at all. Most families we work with start with SIPs of ₹500 to ₹10,000 a month. Wealthy clients don't need us the most-people starting out do. The plan scales as your income does.
Absolutely. We are digital-first and serve families across India-video calls for discovery and reviews, paperless KYC, and everything documented over email.
Start here
Tell us what you're optimising for-wealth, a home, protection or tax efficiency. A human advisor replies within one business day with the next best step, never a sales script.
Prefer email? hello@saarthicapital.in