Mutual fund investing,made clear.
SIPs, tax planning and goal-based investing for families in Patna and across Bihar. We are an AMFI-registered mutual fund distributor, and we have been doing only this for 21 years.
- Your money goes straight to the fund house — never to us
- Units held in your name, visible in your own portal
- No advisory fee. We are paid by the AMC, and we say so
Start a SIP
Move the sliders to see what a monthly mutual fund investment builds up to.
Could grow to
₹50,45,760
You put in ₹18.00 L · growth of ₹32.46 L, assuming 12% a year. Returns are not guaranteed.
Start here
Thirteen calculators, no sign-up
Most questions we get asked have a number attached. These answer the common ones on current FY 2026-27 rules.
SIP calculator
What will my monthly SIP be worth?
OpenStep-up SIP calculator
What if I increase my SIP every year with my salary?
OpenCost of delay
What does waiting three years actually cost me?
OpenRetirement planner
How big does my retirement corpus need to be?
OpenChild education planner
What will my child's degree cost in 15 years?
OpenOld vs new tax regime
Which regime leaves me with more money?
OpenFD vs debt fund
Which one leaves more in my hand after tax?
OpenRisk profiler
What mix of equity and debt suits me?
OpenBuilt on real data
What would that SIP actually have done?
Every other calculator asks you to assume a return. This one does not. Pick a scheme and a start date, and we run your SIP against the NAV history AMFI has published for it — every instalment, on the real dates, at the real prices.
Past performance is not indicative of future returns. A backtest shows what one scheme did over one particular stretch of history, chosen after the fact. It is not a recommendation.
For example
“If I had put ₹10,000 a month into this fund starting in April 2015, what would I have on the last published NAV?”
You get the amount invested, the closing value, and the XIRR — the return that actually accounts for the fact that each instalment was invested on a different date. Not an average of yearly returns, which flatters.
Plan by goal
Start from what the money is for
A scheme is a means, not a plan. Every goal below has a date and a cost, and the cost is not what it is today.
Retirement
Replace your income for thirty years after it stops arriving.
Your child's education
A degree that costs ₹15 lakh today will not cost that in 2041.
Marriage
A known date and a known cost — the easiest goal to fund properly.
Building wealth
No deadline, no target. Just consistency and time.
Saving tax
Work out which regime suits you before you buy anything.
Regular income
Draw a monthly amount from a corpus without exhausting it.
Straight answers
How we work, and how we are paid
We are a distributor, not an adviser
We hold AMFI registration ARN-30061. We distribute mutual fund schemes and are paid a commission by the asset management company whose scheme you invest in. We are not a SEBI-Registered Investment Adviser and we do not charge you a fee for advice.
Your money never touches us
Investments go directly from your bank account to the fund house. Units are held in your name. You can see and transact on your portfolio yourself through the client portal at any time.
We are in Patna, and you can walk in
1st Floor, Sisodia Palace, Boring Canal Road (East), Patna 800001, Bihar. Paperwork, KYC, a redemption that has got stuck — it is easier to sort out across a desk.
Updated through the day
Bihar business and the rules that affect your money
Local economic news, and the policy and tax changes worth knowing about. Scheme performance and fund rankings are deliberately left out — we are a distributor, and those are not ours to promote.
Bring us a number and we will help you build the plan around it.
No charge for the conversation, and no obligation to invest.