Services
Rather more than helping you buy a product.
2 lines of work and 5 things we do within them, in roughly the order you meet them. The value is in selecting what suits you, executing it properly, and still being here to service it years later.
01 · 2 services
Mutual funds
Mutual fund investments chosen for a goal and a horizon, and loans against those units when you need money without selling them.
Offered as an AMFI-registered mutual fund distributor (ARN-171652), not a SEBI-registered investment adviser: no advisory fee is charged, trail commission is paid by the asset management company and disclosed, and no return is assured.
- 01
Mutual funds
Equity, debt and hybrid schemes chosen for a goal and a horizon, not for last year's return.
- Scheme selection matched to your risk profile
- SIPs, lump sums, STPs and SWPs
- Asset allocation by goal horizon
- KYC, folios and mandates on the registered platform
- Online access to your portfolio through the MF Gullak login
- 02
Loan against mutual funds
Money for a short-term need without redeeming the units your long-term goals depend on.
The loan is made by the lender, not by MF Gullak, and on the lender's terms. If the value of the pledged units falls, the lender can ask for more units or cash, or sell units to recover the loan.
- Units pledged, not sold, so they stay invested
- Which of your holdings can be pledged, and for how much
- Interest, tenure and charges set out before you apply
- Releasing the pledge once the loan is repaid
02 · 3 services
Insurance
Health cover through Star Health and Allied Insurance Co. Ltd. and ICICI Lombard General Insurance Co. Ltd.; vehicle cover through ICICI Lombard; life cover through SBI Life Insurance Co. Ltd.
Insurance is offered under a separate arrangement from the mutual fund distribution business, and is remunerated separately. Cover is protection; it is not presented as an investment.
- 03
Health insurance
Health cover for you and your family through Star Health and ICICI Lombard.
- Family floater and individual cover
- Star Health and Allied Insurance Co. Ltd.
- ICICI Lombard General Insurance Co. Ltd.
- Waiting periods and exclusions explained
- Renewal and claims assistance
- 04
Vehicle insurance
Cover for your car or two-wheeler through ICICI Lombard General Insurance Co. Ltd.
- Comprehensive and third-party cover
- Cars and two-wheelers
- Add-ons explained, and added only where they earn their cost
- Renewal before the policy lapses
- Claims assistance
- 05
Life insurance
Life cover through SBI Life Insurance Co. Ltd., sized to what your family would need.
- Cover sized to liabilities and dependants
- Term and other plans from SBI Life Insurance Co. Ltd.
- Reviewing policies you already hold
- Nominations kept up to date
- Renewal premium and claims assistance
An illustration
What a SIP health report looks like
If the projection falls short of the target, the two levers are the instalment and the horizon. We show you both before you pick one.
Run it with your own numbers- Current SIP
- ₹50,000 a month
- Annual step-up
- 10%
- Current value
- ₹32 lakh
- Target corpus
- ₹1.5 crore
Figures shown are a demonstration of the arithmetic, not a client portfolio and not a projection of any scheme.
Start from the goal instead
Products are the last decision, not the first.
We work backwards from the date money is needed. If you would rather browse that way, each goal below carries the instruments we actually use for it.
Not sure which of these you need?
That is what the first conversation is for. Bring the question, not a product.
Raj Kumar Saw is an AMFI-registered mutual fund distributor (ARN-171652), not a SEBI-registered investment adviser. Commission is earned from asset management companies on the schemes distributed; no fee is charged for distribution, and returns are not guaranteed. Insurance is offered under a separate arrangement from the mutual fund distribution business. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.