A structured, documented, and repeatable process for identifying and recommending mutual fund schemes — based entirely on objective analysis.
Our selection follows a rigid 10-step process. No scheme is recommended without completing all objective criteria.
Aligning client goals and horizon with the suitable MF category (Large Cap, Mid Cap, Hybrid, etc.).
Evaluation of AMC reputation, AUM size, and stable fund management track record.
Rolling return comparison against benchmarks across 1, 3, and 5-year periods.
Evaluation of Sharpe, Sortino, and Standard Deviation to assess reward vs risk.
Preference for lower expense ratios to maximize long-term wealth creation.
Consistency check of the manager’s tenure and investment style stability.
Checking sector concentration and credit quality (minimum AA- for debt).
Matching scheme risk (Low to Very High) to the client’s assessed risk profile.
Final review and sign-off by the compliance team before recommendation.
Yearly audit of the list; ad-hoc reviews triggered by major market events.
Recommendations are made strictly within these risk-ceiling boundaries.
| Risk Profile | Short Term (<3Y) | Medium Term (3–7Y) | Long Term (>7Y) |
|---|---|---|---|
| Very Conservative | Overnight, Liquid. Debt: 100% | Ultra Short, Floating. Debt: 95%+ | Short Duration, Banking/PSU. Debt: 90%+ |
| Conservative | Liquid, Arbitrage. Debt: 90%+ | Conservative Hybrid. Equity: 10-25% | Large Cap (max 15%). Equity: 15-30% |
| Moderate | Conservative Hybrid. Equity: 15-25% | Balanced Hybrid, Large Cap. Equity: 35-50% | Flexi Cap, Large & Mid. Equity: 50-65% |
| Moderately Aggressive | Aggressive Hybrid. Equity: 25-40% | Focused, Flexi Cap. Equity: 50-70% | Mid Cap, Value, ELSS. Equity: 65-80% |
| Aggressive | Dynamic Asset Allocation. Equity: 30-50% | Mid Cap, Sectoral. Equity: 65-85% | Small Cap, Sectoral. Equity: 80-100% |
| Very Aggressive | Focused Equity. Equity: 40-60% | Small Cap, International. Equity: 75-100% | Micro Cap, Sectoral. Equity: 90-100% |
The following categories or scenarios lead to automatic disqualification from our recommended list:
AMCs under SEBI regulatory action or warning.
Debt schemes with exposure below AA- credit quality.
High portfolio concentration beyond category norms.
Schemes with frequent Fund Manager churn (2+ in 3 yrs).
Unsuitability: If a client insists on investing beyond their risk ceiling, a written Unsuitability Declaration is mandatory, stating that the investor proceeds at their own risk against our recommendation.
Conflict of Interest: We declare that: