Fix First. Invest Second.
Daughter's college in Vijayawada or Coimbatore. Your retirement in Hyderabad or abroad. The home you're building toward in Vizag or Chennai. Each goal gets its own SIP — and backed by a portfolio that is clean and claim-ready.
Paperwork first — we audit KYC, nominees & lost shares before any SIP starts. Because a clean portfolio is a safe portfolio.
Before any SIP starts: KYC validated · Nominees registered · Old folios traced · NACH mandate set up. Only then do we map SIPs to your goals.
All figures are illustrative only. Actual SIPs calculated based on your complete financial picture. ARN-309076.
15 questions. 5 minutes. Discover your investor personality and get a tailored fund approach — used by families across South India before starting their first SIP.
Learn how risk profiling works & the 5 investor personas →
Behavioural self-assessment only. Not investment advice. Results are directional.
A name mismatch between PAN and Aadhaar can freeze your entire portfolio. SEBI's 2025 rules are stricter — and most investors only discover this during a medical emergency.
→ Your money is frozen exactly when you need it most.
Learn how to fix it →A nominee is not the legal owner. Without one, your family needs a Succession Certificate — a 12–18 month court process. SEBI now mandates nomination or explicit opt-out on all folios.
→ Your family fights the courts for 12–18 months to claim what is already theirs.
Why this matters →Billions in unclaimed dividends and shares sit in IEPF. Those 1990s share certificates your family "lost" may be worth lakhs. The process to reclaim them exists — but it's complex.
→ Lakhs that belong to your family sit unclaimed, slowly slipping away.
Claim what's yours →You're sold high-equity funds because they look good in brochures. Then the market dips 15% and you panic-sell — locking in losses. Behavioural profiling before product selection prevents this.
→ You buy high, panic-sell low, and blame the market for a paperwork problem.
Find your true profile →More funds is not more diversification. If you have 10+ equity funds, you likely own the same 30 stocks multiple times — paying 10× the expense ratio for near-identical returns.
→ You pay more in fees for the same returns, and can't track any of it.
Portfolio hygiene guide →Investors without named goals stop SIPs at the first correction. When your SIP is labelled "Priya's MBA 2031" you stay invested through crashes. Goal mapping is the single biggest predictor of investing success.
→ Random saving gives random results — and the first crash ends it.
Plan your goals →You just saw the problems most families never check. Take our free 12-question Financial Health Check and get an instant, prioritised report — what needs urgent attention, what to improve, and what you are already doing well. No numbers to look up, no login, nothing stored.
Educational & illustrative — not investment advice. Your answers are not stored.
Most distributors sell you a product on day one. We run a five-stage system that fixes your foundation first, then builds wealth on top of it — in the same order, for every family, every time. The result: a portfolio that is clean, goal-mapped, and claim-ready, not just "invested."
Fix the foundation → understand the investor → map the goals → execute cleanly → review forever.
Before anything else, we make your money findable.
Consolidate investments scattered across apps, trace unclaimed money in funds, dividends & insurance, update records and nominees — so your wealth is findable, not lost when your family needs it.
We learn how you actually behave when markets fall — not just what you say.
15-question behavioural assessment that reveals your true emotional risk tolerance — not just what you think it is.
Every rupee gets a name, a date, and its own SIP.
Every rupee gets a name and a timeline. Education. Retirement. Home. Each goal gets a dedicated SIP calibrated to beat inflation.
Set up entirely from your phone, in under 20 minutes.
100% digital. No physical forms. KYC, mandate, SIP setup — all done from your phone in under 20 minutes.
Twice a year, with your family in the room — nothing drifts.
Twice-a-year reviews that bring your family into the conversation, re-check KYC & nominees, fold in life events, and ensure no territory-restricted products are held. Everyone stays informed.
Most families score just 4–6 out of 10 on portfolio hygiene. Each gap — an unvalidated KYC, a missing nominee, an old folio — can block your family from accessing your money. Check yours in two minutes.
Run the Free Hygiene Check →The 0.5% difference in expense ratio is ₹5,000 a year on ₹10L invested. What does that ₹5,000 buy you with a professional MFD?
| What You Need | With Eswari (MFD) | Direct Plan (Self) |
|---|---|---|
| KYC resolution & validation | ✓ Handled for you | You figure it out alone |
| Nominee registration on all folios | ✓ Full audit & setup | Easy to forget, often skipped |
| IEPF / physical share recovery | ✓ We file IEPF-5 for you | Complex process, no support |
| Goal-based SIP allocation | ✓ Each goal mapped separately | You choose the fund category |
| Behavioural coaching during crashes | ✓ Call / WhatsApp anytime | You decide alone at 2 AM |
| Transmission help after a death | ✓ Full coordination with AMCs | Family navigates alone |
| Twice-yearly portfolio review | ✓ April & October, included | You review when you remember |
| Cost difference | ~0.5% expense ratio difference | Lower expense ratio |
The honest math on ₹50L portfolio:
The direct plan saves approximately ₹25,000/year. One prevented panic-sell during a 15% correction saves ₹7.5 Lakhs. One IEPF claim saves ₹2–20 Lakhs. One transmission handled correctly saves a family 18 months and ₹1–3 Lakhs in legal fees. The numbers rarely favour going it alone.
Getting Started
These are real situations — anonymised. The paperwork problems most investors don't discover until it's too late.
Client's PAN didn't match their bank record after a merger. KYC showed "On Hold" status across 6 folios.
Redemptions were blocked at the exact moment the family needed cash for a hospital admission.
KYC re-submitted digitally with updated OVD. All folios unfrozen within 3 working days. Funds accessed.
Client had 11 mutual fund folios opened between 2008 and 2015. Only 2 had nominees. His wife was on none of them.
Without a nominee, a Succession Certificate from civil court would have been required — an 18-month ordeal.
Hygiene audit identified all folios. Updated nominees digitally across all AMCs in a single afternoon.
Family found physical share certificates from the 1990s in a father's old papers after his passing. Company had merged twice.
Shares had transferred to IEPF after 7 years of unclaimed dividends. Most families simply discard these documents.
Corporate action trail traced. IEPF-5 filed. Shares recovered to demat account. Value: ₹18 Lakhs.
Software engineer in his 30s had his entire portfolio in aggressive small-cap funds based on a robo-advisor questionnaire.
Sold everything at a 22% loss during the March 2024 correction. Behaviour didn't match the profile he was sold.
Risk Compass showed "Charted Route Planner." Mapped to a flexi-cap + debt hybrid. Stayed invested through the next correction.
Visakhapatnam-origin cardiologist in Birmingham had 3 mutual fund folios gone inactive for 5+ years. Mobile number was Indian.
Accounts flagged for IEPF transfer. Unable to update contact details without physically visiting India.
NRE account linked, contact details updated via video KYC. Portfolio consolidated and SIPs restarted entirely digitally.
Family saved ₹15L in FDs for daughter's engineering admission in 2024. Engineering fees had inflated to ₹23L due to 10% annual education inflation.
Forced to take an education loan at 10.5% — paying interest on money they "already had" in the wrong instrument.
Second child's fund started with inflation-adjusted target. ₹4,200/month SIP started when she was 6 — enough to fully cover projected fees.
Each service has its own detailed page — covering regulation, how commission works, and exactly what we do and don't do. Tap any to learn more.
Goal-based SIPs, KYC fix, nominee audit & IEPF recovery.
AMFI · ARN-309076 →Stocks, F&O, ETFs, IPOs & SGBs via Kotak Securities.
Kotak AP · GOD7R →Term, health, motor & group cover as an IRDAI PoSP.
IRDAI PoSP · InsuranceDekho →G-Secs, NCDs & tax-free bonds for stable, predictable income.
Guidance & access →Start with the Risk Compass. Then we fix the paperwork. Then we grow the wealth. In that order. Every time.
Serving families across South India & NRIs worldwide
Hyderabad · Vijayawada · Visakhapatnam · Tirupati · Guntur · Nellore · Warangal · Chennai · Coimbatore · Madurai — Telangana · Andhra Pradesh · Tamil Nadu · Karnataka
Free calculators — no login, no email, no spam · Verify ARN-309076 yourself on the official AMFI registry →