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Financial Services

Mutual Fund Investment

Understand mutual fund categories, KYC, direct vs regular plans and tax rules before you invest, with ongoing review support.

  • Fee on enquiry
  • Initial discussion within 2 working days of enquiry; KYC usually completes within a few working days once documents are in order.
  • Confidential handling

About Mutual Fund Investment

We help you understand how mutual funds work, what the main categories mean for risk, how they are taxed and how to complete KYC and onboarding. The aim is for you to invest with clear expectations, not chase last year's top performer.

What is Mutual Fund Investment?

A mutual fund pools money from many investors and invests it according to a stated objective, under the SEBI (Mutual Funds) Regulations, 1996. Equity, debt, hybrid and index schemes carry different levels of risk, and each scheme shows a riskometer and a benchmark in its documents. Costs such as the expense ratio and exit load reduce returns, so they matter as much as the category.

Our work is educational and organisational: understanding your time horizon and risk comfort, explaining how each category behaves, showing how direct and regular plans differ, completing KYC, and keeping a consolidated record for tax reporting. Execution is through the fund house or a SEBI-registered intermediary, and no returns are promised.

Who needs this service?

You may need it if any of these describe you.

  • First-time investors moving beyond fixed deposits
  • Salaried people who want a disciplined long-term investment route
  • Business owners parking surplus funds for goals beyond the business
  • Senior citizens comparing debt and hybrid options for income
  • Existing investors with too many overlapping schemes

Benefits

Plain-English category guide

We explain equity, debt, hybrid and index funds and the risks of each.

KYC and onboarding help

We guide you through KYC with a KRA and account set-up so you are ready to invest.

Cost awareness

We show how expense ratio, exit load and plan type (direct or regular) affect your outcome.

Tax clarity

We explain how capital gains on equity and debt funds are taxed so there are no surprises at filing.

Portfolio clean-up

We review overlap and duplicated schemes in an existing portfolio.

Periodic review

A structured review against your goals, not a reaction to daily market news.

Types of Mutual Fund Investment

Equity funds

Large, mid, small-cap, flexi-cap and sectoral; higher volatility, suited to long horizons.

Debt funds

Liquid, short duration, corporate bond and gilt; credit and interest-rate risks apply.

Hybrid funds

Mix of equity and debt in varying proportions.

Index and ETF

Track a market index at a lower cost with no stock-picking by a manager.

ELSS (tax-saving)

Equity funds with a three-year lock-in; the deduction applies only under the old tax regime.

Eligibility requirements

  • Resident individuals, HUFs, companies and trusts can invest, subject to each scheme's offer document
  • A completed KYC is required before the first investment
  • A PAN and a bank account in the investor's own name are needed
  • NRIs and minors have additional documentation and scheme-specific rules

Documents required

Keep these ready to avoid delays. Send scans or photos over WhatsApp - never share passwords or OTPs.

KYC and identity

  • PAN card
  • Aadhaar or other officially valid document for address
  • Passport-size photograph and signature as the KYC process requires

Bank

  • Cancelled cheque or bank statement showing name and IFSC
  • Mobile number and email linked to the investor

For entities

  • Board resolution or authority letter and authorised signatory list
  • Entity PAN and registration documents

Step-by-step process

  1. Goal and risk conversationWe note your goals, time horizon and how much loss you can tolerate.
  2. KYC checkWe check whether your KYC is already valid with a KRA and complete it if not.
  3. Category shortlistWe explain suitable categories and what to read in the scheme documents; selection and the decision stay with you.
  4. Account opening and first investmentYou invest directly with the fund house or through a SEBI-registered intermediary.
  5. Record keepingWe help you maintain a consolidated statement for each financial year.
  6. Review and tax reportingPeriodic review and a capital gains statement for ITR filing.

Applicable rules & regulations

Plain-English notes. Always verify against the official notification.

Section / rule / formWhat it means
SEBI (Mutual Funds) Regulations, 1996Govern how schemes are launched, managed and disclosed; scheme documents state objective, risk and costs.
Riskometer and scheme categorisationSEBI requires standard categories and a riskometer on each scheme; read it before investing.
Direct vs regular plansDirect plans carry no distributor commission and usually have a lower expense ratio than regular plans of the same scheme.
Capital gains (Income-tax Act, 1961, FY 2025-26)Listed equity funds held over 12 months are long-term, with gains above the annual exemption limit taxed at a flat rate; check current rates on incometax.gov.in. Debt funds bought on or after 1 April 2023 are taxed at slab rates (Section 50AA).
Section 80C (ELSS)ELSS investments qualify for deduction under the old regime only, subject to the overall limit.

Important due dates

Statutory dates can be extended by notification - check the official portal before relying on them.

ActivityDue date
Advance tax on capital gainsAs per advance tax instalments notified under the Income-tax Act
Capital gains reporting in ITRWith the ITR due date for your category

Transparent pricing

Plans from our Mutual Fund & Financial Services list. Government charges and GST are shown separately.

Financial Planning

Fixed fee
₹2,999one-time

18% GST extra on professional fees

  • Goal mapping: retirement, education, home
  • Cash-flow and net-worth statement
  • Emergency-fund and insurance gap review
  • Asset-allocation framework (not product picks)

+ 2 more in this plan

As per official schedule, paid at actuals (not included in professional fee)

SIP & Mutual Fund Guidance

On enquiry
On enquiry

18% GST extra on professional fees

  • Discovery call on goals and risk comfort
  • Understanding categories of mutual funds
  • SIP amount and step-up discussion
  • Investor-education material

+ 2 more in this plan

As per official schedule, paid at actuals (not included in professional fee)

Wealth Structuring

On enquiry
On enquiry

18% GST extra on professional fees

  • Review of existing portfolio and holdings
  • Tax-aware structuring discussion
  • Estate and nomination checklist
  • Goal-based rebalancing framework

+ 2 more in this plan

As per official schedule, paid at actuals (not included in professional fee)

Insurance Advisory

On enquiry
On enquiry

18% GST extra on professional fees

  • Need analysis for life, health and term cover
  • Review of existing policies
  • Understanding of exclusions and waiting periods
  • Claim-process readiness checklist

+ 2 more in this plan

As per official schedule, paid at actuals (not included in professional fee)

Full pricing page

Package comparison

FeatureFinancial PlanningSIP & Mutual Fund GuidanceWealth StructuringInsurance Advisory
Pricing modelFixed feeOn enquiryOn enquiryOn enquiry
Written deliverablePlan PDFSummary noteReview reportCover analysis
Goal mappingCover needs
Existing holdings reviewBasicPolicies
Product distribution by us
Review call1 callPeriodicHalf-yearlyAnnual
Regulatory disclaimer

Government fees & professional fees

We never mark up government payments.

Professional fee

On enquiry. Fees depend on the scope (guidance session, onboarding help or periodic review) and are shared before work starts.

Government charges

No government fee for KYC. Statutory levies such as STT and stamp duty are charged by the fund house or exchange as applicable.

Other costs

Scheme-level costs (expense ratio, exit load) are charged within the scheme and shown in its documents. 18% GST applies on professional fees.

Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance is not indicative of future returns. This page is general information, not personalised investment advice or a recommendation of any scheme. SK Wealth Tax Advisor does not claim SEBI, AMFI or IRDAI registration on this page; investments are made through SEBI-registered intermediaries or directly with the fund house, and you should confirm the registration status of any intermediary on the regulator's website before you invest.

Deliverables

What you receive from us.

  • Risk-and-goals worksheet
  • Category explainer relevant to your goals
  • KYC and onboarding assistance
  • Consolidated holding statement template
  • Capital gains summary for tax filing

Turnaround time

Initial discussion within 2 working days of enquiry; KYC usually completes within a few working days once documents are in order.Timelines assume complete, correct documents and, where applicable, timely action by the government portal or authority.

Why choose SK Wealth Tax Advisor?

  • Experienced Professional SupportEvery file is handled by a person who knows the rules, not a call centre script.
  • Transparent & Affordable PricingProfessional fees, government charges and GST are shown separately.
  • Timely Filing & ComplianceWe track due dates for you and remind you before they arrive.
  • Complete Business SolutionsRegistration, accounting, tax, ROC and licences under one roof.
  • Digital & Paperless ServicesShare documents securely online. No office visit needed.
  • Personalized Tax PlanningAdvice based on your income, goals and the regime that suits you.

Mutual Fund Investment - FAQs

No. Mutual fund returns are market-linked and can be negative; no one can guarantee them.

Direct plans have a lower expense ratio. Regular plans include distributor commission for services; choose what matches the help you need.

KYC done through a KRA is generally accepted across fund houses, though some may need extra details.

Long-term and short-term gains on equity-oriented funds are taxed at different flat rates, with an annual exemption on long-term gains; rates are as notified under the Income-tax Act, so check the current rate before you redeem.

Yes, subject to the entity's authority documents. The gains are business income or capital gains based on how the investment is classified; we discuss this with your accountant.

ELSS is an equity fund with a lock-in and a tax deduction under the old regime. If you opt for the new regime, there is no such deduction.

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