Our flagship · MFD
Anyone can start a SIP. Finishing one takes a plan.
Most SIPs die within three years-started on a tip, abandoned at the first correction. We build goal-mapped portfolios with the discipline to survive markets: the right funds, the right amounts, reviewed on schedule.
- Goal-mapped portfolios, in writing
- Paperless KYC, units in your name
- Annual reviews that actually happen
Step-up SIP · 15 years
₹38 L invested → ≈ ₹87 L
₹10,000/month, stepped up 10% every year
*Illustrative at 12% p.a., not a return promise. Stepping up with your salary nearly doubles the outcome.
Sound familiar?
Why most portfolios underperform their own funds
The funds are rarely the problem. The behaviour around them is. If any of these feel familiar, you're not alone-this is what we fix every week.
The tip-based portfolio
A colleague's fund, a YouTube video, a WhatsApp forward-twelve schemes, no strategy, and three of them quietly hold the same stocks.
What it costs you: Overlap dilutes returns while you feel diversified.
SIPs that die young
Started in a bull run, stopped at the first 15% correction. The average retail SIP doesn't survive its third year.
What it costs you: Stopping in a fall locks in the loss and skips the recovery.
No goal, no number
“I should invest something” isn't a plan. Without a target amount and a date, every statement triggers doubt.
What it costs you: You discover the shortfall in the year you need the money.
Direct vs regular fog
Half the internet says direct is free, the other half says advisors are useless. Nobody shows you the math for your amounts.
What it costs you: Decisions made on dogma instead of numbers.
How Saarthi Capital helps
The Saarthi way: process over predictions
We don't know where the market goes next year. Nobody does. We do know how to build a portfolio that doesn't need to.
Every rupee answers to a goal
Retirement at 55, your daughter's college in 2038, a home down-payment in 5 years-each SIP is sized backwards from a named goal with a date.
Shortlists, not catalogues
We filter 1,500+ schemes down to 4–6 that fit your risk, horizon and tax bracket-and write down why each one earned its place.
A review rhythm that survives markets
Scheduled annual reviews, rebalance triggers, and step-up nudges when your salary grows. When markets crash, you hear from us first.
Honest math on commissions
We earn trail commissions on regular plans-built into the expense ratio, disclosed upfront. For larger portfolios we'll show you the direct-vs-regular math either way.
The engagement
What you get as a Saarthi investor
01
Risk profile tied to real life
Goals, cash flows, dependants and liquidity needs mapped before any fund is suggested-not a five-question quiz score.
02
SIP, step-up & SWP design
Start at a comfortable amount, step up with every hike, and switch to systematic withdrawals when the goal arrives.
03
Documented investment rationale
Which fund, why this category, how much, and what would make us change course-in writing, before you invest.
04
Tax-aware transitions
Consolidating old holdings? Exits and entries are planned around capital gains, not just convenience.
How it works
A calm workflow-on purpose
Clarity first, commitment second. Here is exactly what happens after you reach out.
01
Discovery call
Twenty minutes on goals, timelines and what keeps you up at night. No product pitch.
02
Goal map & proposal
A written plan: allocation, fund shortlist, SIP amounts, and the assumptions behind them.
03
Paperless onboarding
KYC, mandates and first investments done with you-most families are live within a week.
04
Reviews that happen
Scheduled check-ins, step-up nudges, and calm guidance when markets get loud.
Free tools
Run the numbers before we talk
Stress-test every idea with our free calculators-then bring the numbers to a conversation.
Questions people ask us
What is the minimum I can start with?
Many schemes allow SIPs from ₹500 a month. The amount matters less than starting early and stepping up as income grows-our SIP and step-up calculators show exactly how that compounds.
Do you offer direct plans?
We distribute regular plans and earn trail commissions from the fund house-built into the expense ratio, not charged to you separately. We disclose this before you invest, and for larger portfolios we'll happily walk you through the direct-vs-regular math.
Is my money safe with a distributor?
Your money never touches our accounts. Investments go directly to the fund house, units are held in your name and tracked by registrars like CAMS and KFintech. Market risk itself remains-which is what goal-mapping and reviews are for.
I already have mutual funds. Can you review them?
Yes. Share your consolidated statement (CAS) and we'll audit overlap, expense ratios and goal-fit. If your funds are fine, we'll say so. If consolidation helps, we plan it tax-aware.
I'm not in Kota. Can we still work together?
Absolutely-we're digital-first. Video calls for discovery and reviews, paperless KYC, and everything documented over email. We serve families across India.
Start here
Ready to invest with a saarthi beside you?
Tell us your goal and timeline. We'll respond with a clear, documented plan-free, and with zero obligation.
- Reply within 1 business day
- Discovery call before any product talk
- Everything documented over email
Prefer email? hello@saarthicapital.in