SIR Financial ServicesTurn your dreams into achievable financial goals.
Santosh Revanaki has invested his own money in mutual funds since 2007 and guided other families through theirs since 2015. Today he looks after a thousand families across seventeen countries, from an office in Hubballi.
AMFI-REGISTERED MUTUAL FUND DISTRIBUTOR · ARN-357446
Secure. Invest. Reach.
S — Secure your life and health. I — Invest with the right guidance. R — Reach your goals, with time on your side.
How we work
Every family we guide sits somewhere on this ladder.
GEM groups the families we look after by the size of the portfolio they have built with us, and we publish the movement between bands each month. It exists to mark progress — the household moving from New to Bronze matters as much here as the one entering Platinum.
GEM bands describe the current value of portfolios held through us. They are a recognition of progress, not a performance record, and they do not indicate or promise any rate of return. Mutual fund investments are subject to market risk.
HDFC Mutual Fund
ICICI Prudential Mutual Fund
SBI Mutual Fund
Axis Mutual Fund
Kotak Mutual Fund
Nippon India Mutual Fund
Star Health Insurance
Volt MoneyThe portfolio, on the phone in your pocket.
Between meetings, most of what you want is a number: what a fund has done, where the SIP has got to, what a redemption would look like at tax time. The app answers those without an appointment — and does the transacting too.
Everything in one portfolio
Holdings, returns and fund performance across every AMC you hold, on one screen instead of six statements.
SIPs, start to step-up
Custom-period, SIP-delay and step-up calculators are built in, so a change to a SIP comes with the arithmetic attached.
Invest and track the order
Place an order through NSE, follow where it has got to, and cancel it before it goes through if you change your mind.
Statements when you need them
Portfolio and capital-gains reports on demand, including a last-financial-year export to hand to whoever files your return.
Goal reports, not just balances
Goal reports and financial calculators, so a number on the screen has a purpose behind it.
Built to be trusted with this
Two-factor sign-in, SSL pinning and independent VAPT testing. KYC and risk profile stay current in the app, and transactions raise a notification.
Qualified, certified, and accountable.
Four certifications, each independently awarded. Displayed in full because in this business the letters after a name are the only thing a new client can verify before they trust you with money.
Qualified Personal Finance Professional
QPFP® — comprehensive personal financial planning across goals, risk, tax and estate.
Certified Retirement Goal Planner
CRGP® — specialist certification in retirement corpus planning and drawdown.
AMFI-registered Mutual Fund Distributor
Registered with the Association of Mutual Funds in India. ARN-357446.
IRDAI® Licensed · MDRT
Licensed by IRDAI and a member of the Million Dollar Round Table.
Built one family at a time, since 2020.
Every figure below is a household that decided to start. The average SIP is ₹12,000 a month — ordinary salaries, invested consistently.
“As a retired person I started my association with Santoshji. He is very hard working, knowledgeable in financial investments and properly guiding me based on needs and goals. Thanks to SIR.”
Pramod RaichurGoogle Local Guide
Six services, one financial guide.
Everything a household needs to grow money and protect it — handled by one person who sees the whole picture, not six call centres who each know a fragment.
Mutual Fund Investments
SIP, lumpsum, STP and SWP across every fund house, mapped to a goal rather than to a fund of the month.
Explore → ♥Term Life Insurance
Term cover first, always. Guaranteed income, pension and ULIP only where they genuinely fit.
Explore → ✚Health Insurance
Individual, family floater, senior citizen and corporate group cover.
Explore → ⇆Loan Against Mutual Funds
Liquidity when you need it, without selling the portfolio or breaking compounding.
Explore → ✎Digital Signature Certificate
Class 3 DSC issued and renewed for individuals and companies.
Explore → ▤Income Tax Returns Filing
Returns filed for residents and NRIs, including capital gains from your portfolio.
Explore →A goal without a plan is just a wish.
Every rupee should have a job and a date. We sort what you want into needs, wants and dreams, then match each to a horizon — because a goal two years away and one twenty years away call for completely different portfolios.
| Your goals, your life | Short termLess than 2 years | Medium term3 to 7 years | Long termMore than 7 years |
|---|---|---|---|
| NeedsHigh priority | Emergency fund, health cover, annual commitments | Parents’ medical fund, school fees | Retirement corpus, children’s higher education |
| WantsMedium priority | Planned purchases, insurance top-ups | House renovation, a car, further study | Dream home, children’s marriage |
| DreamsLower priority | A short break | International travel | A new venture, charity, a jubilee celebration |
What families say.
Every quotation below is a verbatim review published on our Google Business Profile, under the reviewer’s own name. We do not publish anonymous testimonials — if it cannot be attributed, it should not persuade you.
5.0 94 Google reviews · read them all on our Google profile →“I had a great experience interacting with Santosh Sir regarding financial planning. He patiently explained the different investment options and helped me understand how to approach financial planning in a practical way.”
“As an investor, I am very happy with the guidance and support provided by SIR Financial Services. They explained mutual fund investments clearly and helped me choose the right investment plan based on my financial goals.”
“I had a great experience with SIR FINANCIAL SERVICES PRIVATE LIMITED The team was professional, helpful, and guided me through every step with patience. They explained everything clearly and made the entire process smooth and hassle-free.”
“I had a very positive experience with SIR Financial Services. Their approach is professional, trustworthy, and highly personalized, with a strong focus on understanding financial goals, risk appetite, and long-term needs…”
“Excellent experience with SIR Financial Services. A trustworthy platform for mutual fund investments and a great place to start a disciplined investment journey.”
“Namaste, myself Dr Supriya Bhosale, Chief Physician at Niramaya Ayurveda Hospital Navanagar-Bagalkot. Guidance by Mr. Santosh Revanki sir has made me to be ready for any unpredictable…”
Video reviews.
Clients describing their own experience, published on our YouTube channel under their own names. Nothing here is scripted or paid for.
Videos load only when you press play — nothing is requested from YouTube before that. See the full channel →
A practice in Hubballi, a client list that is not.
Seventeen countries and counting, alongside families across Karnataka and other Indian states.
17 countries · 1,000+ families
12 cities · from one office in Hubballi
Cities shown are indicative of the practice’s reach; the full register is confirmed before publication.
12 cities · the home state, where it started
Cities shown are indicative of the practice’s reach; the full register is confirmed before publication.
Seventeen countries, and families in cities from Hubballi to Kolkata. The practice is run from one office; the client list has never been local.
Recognised by the industry, in front of the public.
Over twenty recognitions from fund houses and industry bodies, and a standing programme of investor awareness sessions run free of charge.
Recognitions
Showing 8 of 20+ — the full list is on the about page →
Investor awareness programmes
Sessions on how mutual funds actually work, run for colleges, employers and community groups. No product is sold at these sessions.
Where else to find us.
Market notes, goal-planning explainers and the occasional reminder that doing nothing is usually the right move. Our Google profile carries every review families have left us.
Investing in India from abroad, done properly.
NRE versus NRO. FATCA and CRS. Repatriation limits. Completing KYC without flying home. We handle all of it — and we tell you upfront which fund houses will not accept investors from your country.
United States
United Kingdom
Ireland
Germany
Netherlands
Sweden
Poland
UAE
Saudi Arabia
QatarThe emergency fund comes before the SIP.
Six months of expenses in a liquid or overnight fund is what stops a market fall from becoming a forced redemption. It is the least interesting decision in the plan and it protects every other one.
Plan a goal
Mutual funds, mapped to a goal.
We do not sell a fund of the month. We start with what the money is for and when you need it, then choose accordingly — across every AMC, with no bias toward any one of them.
Four routes into the same portfolio.
Which one suits you depends on whether you have a monthly surplus, a lump sum sitting idle, or a corpus that now needs to pay you an income.
Invest a fixed amount monthly. Build wealth consistently, without timing the market.
Put a single amount to work today and let compounding do the rest.
Move money gradually from debt into equity, smoothing your entry.
Draw a regular income from an existing corpus without liquidating it.
Nine goals we plan for most often.
Each has a different horizon and a different tolerance for a bad year — which is what should drive the fund choice, not last year's return chart.
Golden Retirement Goal
The longest horizon you have, and the one most people start ten years late.
Children’s Education
A fixed date you cannot move, so the glide path matters more than the peak return.
Children’s dream marriage
Long horizon, flexible date — the one goal where equity can do most of the work.
Income Tax Savings Goal
ELSS with a three-year lock-in, chosen on merit rather than on the March deadline.
Dream Home
Usually three to seven years out, which rules out an all-equity approach.
Annual Commitments Goal
School fees, premiums and festivals come round every year; that money should not sit in equity.
Exotic Vacation Goal
Short horizon and entirely discretionary — the case for keeping it conservative.
Emergency Fund Goal
Six months of costs, reachable the same day, and deliberately dull. It is insurance, not an investment.
Self development Goal
Courses, a sabbatical, a change of direction — funded on purpose rather than out of whatever is left.
Types of mutual fund.
What separates them is what they hold and how long your money is tied up — not last year’s returns. The goal decides the category; the category narrows the fund.
Debt Fund
Lends to governments and companies. Steadier than equity and taxed at your slab rate, which is why it suits money needed within a couple of years.
Hybrid Fund
Holds equity and debt in one scheme, so the balancing between them is done inside the fund rather than by you.
Equity Fund
Owns company shares. The most volatile of the categories, and the one that needs the longest horizon to make sense.
Children Fund
Solution-oriented, with a lock-in until the child turns eighteen or five years, whichever comes first.
Retirement Fund
Solution-oriented, locked in for five years or until retirement age — whichever is earlier.
ELSS
Equity with a three-year lock-in, the shortest of the 80C options. Chosen on merit, not on the March deadline.
Sectoral Funds
Concentrated in a single sector. Higher risk by construction — a satellite holding, never the core.
Thematic Funds
Built around an idea that cuts across sectors. Carries the same concentration risk as a sectoral fund.
Solution Oriented Funds
The category holding children’s and retirement schemes, defined by a lock-in rather than by what it invests in.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Where mutual funds sit against the alternatives.
Not an argument that funds always win — an honest comparison, so you can see where each instrument earns its place.
| Instrument | Indicative return | Lock-in | Taxation | Best used for |
|---|---|---|---|---|
| Equity mutual fund | 10–13% p.a.* | None | LTCG above ₹1.25L at 12.5% | Goals 7+ years away |
| ELSS (80C) | 10–13% p.a.* | 3 years | As equity, plus 80C relief | Tax saving with growth |
| Debt mutual fund | 5–8% p.a.* | None | Slab rate | One month to two years |
| Fixed deposit | 6.5–7.5% p.a. | Term-bound | Slab rate | Money needed within 2 years |
| Recurring deposit | 6.5–7% p.a. | Term-bound | Slab rate | Short, disciplined saving |
| PPF | ~7.1% p.a. | 15 years | Exempt throughout | The safe core of retirement |
| Sukanya Samriddhi | ~8.2% p.a. | To age 21 | Exempt throughout | A daughter's education fund |
| Savings account | 2.7–4% p.a. | None | Slab rate | Emergency money only |
* Illustrative long-run ranges for planning conversations. Mutual fund returns are not assured and past performance does not indicate future results. Deposit and small-savings rates change periodically.
Watch the portfolio without waiting for a statement.
Holdings, returns and fund performance across every AMC. Start or step up a SIP, place an order through NSE and track it — and pull a capital-gains report whenever you need one.
Plainly stated.
We are an AMFI-registered mutual fund distributor. We don’t charge any fee for guidance. We are paid a trail commission by the fund house out of the scheme’s expense ratio. You pay us nothing directly, and the commission does not change what you pay for the fund.
Commission rates differ between schemes. Where that creates a conflict, we will tell you it exists.
Liquidity without breaking compounding.
An overdraft against your holdings, typically well below personal-loan rates, with the units pledged rather than sold. You keep the compounding and you keep the tax position — a redemption resets both.
Retirement planning
The goal with the longest runway and the least urgency — which is exactly why it gets postponed. Every year of delay costs more than the last.
If you are 30 to 50 and salaried.
You have EPF, possibly a PPF account, and a vague sense that neither will be enough. You are right — EPF alone typically replaces only a fraction of pre-retirement income once inflation is applied across a 25-year retirement.
The fix is not exotic. It is a monthly amount, invested in a growth asset for long enough that compounding rather than contribution does most of the work.
“The best time to start was your first salary. The second best time is this month's.”
The only market-timing advice we give
What a ₹20,000 monthly SIP becomes.
Same monthly amount, same assumed 12% return, different start ages, all retiring at 60. The gap is not the contributions — it is the years.
| Start age | Years invested | You contribute | Projected corpus | Growth's share |
|---|---|---|---|---|
| Age 25 | 35 | ₹84,00,000 | ₹12,94,00,000 | 94% |
| Age 30 | 30 | ₹72,00,000 | ₹7,06,00,000 | 90% |
| Age 35 | 25 | ₹60,00,000 | ₹3,79,00,000 | 84% |
| Age 40 | 20 | ₹48,00,000 | ₹1,99,00,000 | 76% |
| Age 45 | 15 | ₹36,00,000 | ₹1,00,00,000 | 64% |
Illustrative projections at an assumed 12% annualised return, compounded monthly. Actual returns vary and may be negative in any period. Figures rounded. Not a guarantee, and not a recommendation of any specific scheme.
Four steps, then a review every year.
Establish the number
The annual income you want at 60, inflated to the year you retire, multiplied by a realistic retirement length. Most people's first guess is roughly half of what is actually needed.
Count what already exists
EPF, PPF, NPS, existing funds, property you would genuinely sell, and any pension. There is usually more than people think, and it is scattered.
Fill the gap with a monthly amount
Split across equity funds while the horizon is long, with a written plan for shifting toward debt in the final decade rather than a panic move at 58.
Review annually, adjust rarely
We increase the SIP as your income rises and rebalance when allocation drifts. We do not change funds because of one bad year.
Before you start.
What if the market crashes right before I retire?
Should I use NPS instead?
Can I pause my SIP if money gets tight?
I am an NRI. Does any of this change?
The cover is a calculation, not a preference.
Income to be replaced, the years to replace it for, liabilities to clear, assets already standing. The sum assured falls out of that arithmetic rather than out of a round number that sounded adequate.
Book a meeting
Term cover protects the income, not the investment.
Our first recommendation to almost everyone is pure term cover — the product that pays us the least of anything we distribute. That should tell you how we approach the rest of it.
Three shapes of life cover, in an honest order of preference.
Term first, always. The rest earn a place only when a specific need justifies the cost.
Pure Term Insurance
A large sum assured for a small premium, and nothing paid back if you outlive it. Ten to fifteen times annual income, to age 60 or 65. For most families this is the entire answer.
Pure Term Insurance with Return of Premium
The same cover, with the premiums returned if you survive the term. The certainty costs more, so the sum assured buys less — worth it only when that trade is made knowingly.
Corporate Group Term Insurance
One policy covering a workforce, priced on the group rather than the individual. Cover usually ends when employment does, so it sits alongside personal cover rather than replacing it.
Who we are licensed to place cover with.
Two life insurers, each with a named licence holder. Cover is compared across them, never sold on whichever pays more.
Insurance is the subject matter of solicitation. Cover, exclusions and premiums are set by the insurer.
Four questions before a single quote.
Establish the replacement need
The annual income your family would lose, multiplied by the years until your youngest is independent, plus outstanding loans, minus existing assets.
Count what you already hold
Employer group cover ends the day the job does. We count it, but we never rely on it.
Compare across insurers, not within one
Premiums for identical cover vary widely by age, health and occupation. We quote from the companies we are appointed with and show you the spread.
Get the disclosure right
Almost every rejected claim traces back to something not declared at proposal. We would rather load your premium than risk your claim.
See what the cover is standing in front of.
Term cover exists to protect a portfolio. The app is where you watch that portfolio — holdings, returns and SIPs across every AMC — so the sum assured is a considered number rather than a guess.
The things people actually ask.
How much cover do I actually need?
Is term insurance wasted if I outlive it?
Why recommend term when it earns you less?
Will my claim be rejected?
The hospital sets the number, not your salary.
A single ICU admission in a metro can run to several lakhs before anyone discusses treatment. Cover is sized against what care costs where you would actually be treated.
Book a meeting
The cover you will actually claim on.
A policy is only worth the claim it pays. We read the waiting periods, sub-limits and room-rent clauses before we look at the premium, because that is where cover quietly fails.
Cover shaped to who is being covered.
The right structure changes with age, city and family stage. A floater that suits a young couple is the wrong answer for elderly parents.
Individual
For a single life, usually a young earner with no dependants yet.
Family floater
One sum assured shared across the family. Efficient while children are young.
Senior citizen
Separate policies for parents. Waiting periods and co-pay clauses matter far more here than premium.
Comprehensive
Higher sums assured with restoration, for metro families where one admission can exhaust a small cover.
Corporate group
For business owners covering employees — usually cheaper per life than individual policies.
Student travel
For children studying abroad, where university-mandated cover is often worse value than an Indian policy.
The five clauses that decide whether a claim pays.
Room-rent capping
A 1% sub-limit on a ₹5 lakh cover means a ₹5,000 room. Exceed it and the insurer proportionately reduces the entire bill, not merely the room charge.
Pre-existing disease waiting period
Two to four years depending on insurer. If a condition exists today, this is the single most important line in the policy.
Sub-limits and co-pay
Caps on specific procedures, or a fixed share you always pay. Common in senior-citizen plans and easy to miss.
Restoration and no-claim bonus
Whether the sum assured refills after a claim, and how the cover grows in the years you do not claim.
Network hospitals near you
A cashless network only helps if it includes the hospitals you would actually be taken to, in Hubballi or wherever you live.
The savings a policy is there to protect.
Health cover exists so that an admission is not paid for out of your investments. The app is where you watch those investments — holdings, returns and SIPs, on demand.
The things people actually ask.
Is my employer’s cover enough?
Should my parents be on our floater?
What if I already have a condition?
Can I port an existing policy?
A pledge, not a redemption.
Units are marked with a lien at the registrar and the lender sets a limit against their value. Ownership, NAV movement and dividends all remain yours throughout.
Check eligibility
Borrow against your portfolio without selling it.
A loan against mutual funds pledges your units as security instead of redeeming them. Your money stays invested, your compounding continues, and you pay interest only on what you actually draw.
The alternative is usually worse.
Selling to raise cash triggers capital gains, ends the compounding, and forces you to re-enter at whatever price the market is at when you have the money again.
Your units stay invested
The portfolio keeps working. You pledge the units; you do not sell them.
No capital gains event
A pledge is not a redemption, so no gains are realised and no tax is triggered by the borrowing itself.
Interest only on what you use
It works as an overdraft. Draw ₹2 lakh from a ₹10 lakh limit and you pay interest on ₹2 lakh.
Fast, and fully digital
Lien marking happens with the registrar electronically. Approval is typically same-day rather than a branch visit.
No end-use restriction
Unlike a car or education loan, the money is not tied to a purpose — a medical bill, a business gap, a deposit.
Cheaper than unsecured credit
It is a secured facility, so it prices well below a personal loan or a credit-card revolve.
Who actually lends against your units.
The loan is made by the lender; we arrange it and stay involved. Terms, interest and the limit are theirs to set.
A fall in the market can require you to add security or repay early. Borrowing against investments carries risk.
From pledge to disbursal.
We check what is pledgeable
Not every scheme qualifies, and equity and debt funds attract different limits. We tell you your realistic limit before you apply.
Units are lien-marked
The registrar records a lien in favour of the lender. You continue to own the units and continue to receive any distributions.
The limit is sanctioned
A percentage of current value — typically higher against debt funds than equity, because the collateral moves less.
You draw what you need
The facility sits available. Interest accrues only on the drawn balance, calculated daily.
The lien is released
Repay and the lien is lifted. Your units were never sold and the holding period was never broken.
See the portfolio the loan is secured against.
Holdings and current value on demand, so you can judge what a pledge is worth before you ask for one — and watch the units keep compounding while the loan runs.
The things people actually ask.
What happens if the market falls?
Do I still receive dividends and growth?
Is this available against every fund?
How is it different from a personal loan?
A private key, not a password.
A digital signature certificate binds your identity to a key held on a hardware token. It is what makes an electronic filing legally equivalent to a signature on paper.
Book a meeting
A legally valid signature, issued in a day.
A Digital Signature Certificate is the electronic equivalent of a wet signature, recognised under the Information Technology Act, 2000. If you file with the MCA, GST or Income Tax portals, or bid on a tender, you need one.
One certificate, valid for two years.
There is now a single Class 3 certificate rather than separate classes. We confirm your documents before collecting a rupee.
Class 3 DSC — valid two years
The single certificate now issued, covering signing and encryption. It is what Income Tax, MCA, GST and e-tendering portals accept, and what stands up legally on a signed document.
Application to working token.
Identify the right class and validity
One year, two years or three. Three is usually the better value if you file regularly.
Submit documents and pay
PAN, Aadhaar, a photograph and proof of address. Organisations also submit registration and authorisation papers.
Complete video verification
A short recorded verification required by the Certifying Authority. It takes a few minutes on a phone.
Certificate is issued
The Certifying Authority issues the DSC, typically within a working day of a clean verification.
Download to your token
The certificate is downloaded onto a FIPS-compliant USB token. We ship the token or hand it over at the office.
The things people actually ask.
How long does it take?
Can I use one DSC everywhere?
What happens when it expires?
I lost the token. What now?
Your income sources choose it, not your preference.
One salary and nothing else is ITR-1. Any capital gain moves you to ITR-2, and business or professional income to ITR-3. The wrong form makes the return defective rather than merely late.
Book a meeting
Filed correctly, and on time.
We file returns for salaried individuals, business owners and NRIs — including the capital-gains schedules that mutual fund investors need and most filing tools handle badly.
Every return needs a different schedule.
The right form depends on your income sources, not on how simple you would like it to be.
Salaried — ITR-1
One employer, no capital gains, income within the prescribed limit. Usually straightforward.
With capital gains — ITR-2
Where mutual funds, shares or property sales are involved. This is the return we file most often.
Business & professional — ITR-3
For proprietors and professionals, with books of account and depreciation.
Presumptive — ITR-4
For eligible small businesses and professionals declaring income under the presumptive scheme.
Non-resident returns
Foreign income, DTAA relief and residential-status determination. Getting the status right decides everything else.
Response to a notice
Defective return, mismatch and other departmental notices, answered within the prescribed window.
Documents to acknowledgement.
Share your documents
Form 16, bank interest certificates, capital gains statements and proof of any deductions claimed.
We reconcile with AIS and Form 26AS
Every reported figure is checked against what the department already holds. Mismatches are the most common trigger for a notice.
Old regime or new, compared
We compute your liability under both and file whichever leaves you better off, showing you the working.
Review before submission
You see the computation and confirm it. Nothing is filed on your behalf until you have approved the numbers.
Filed, verified, acknowledged
We file, complete e-verification, and send you the acknowledgement for your records.
Pull the statement your return needs.
Capital-gains and portfolio reports export from the app, including a last-financial-year option — the numbers a filing needs, without a request and a wait.
The things people actually ask.
Which regime should I choose?
How are my mutual funds taxed?
What if I have missed the deadline?
Do I need to file if tax was already deducted?
The source account decides repatriation.
Investments made from an NRE account are freely repatriable. From an NRO account they are not, beyond the annual limit and a chartered accountant’s certificate.
Read the NRI guide
Investing in India from abroad.
Roughly one in five of the families we guide lives outside India. We have run this process across ten countries, so we know which questions arrive before you ask them — and which fund houses will decline you before you apply.
United StatesUnited KingdomIrelandGermanyNetherlandsSwedenPolandUAESaudi ArabiaQatarNRE or NRO — and why it matters later.
You cannot invest in Indian mutual funds in foreign currency. The money must come through a rupee account, and which one you choose determines whether you can take the proceeds back out freely.
| NRE account | NRO account | |
|---|---|---|
| Money it holds | Income earned outside India | Income earned inside India — rent, dividends, pension |
| Repatriation | Freely repatriable, principal and returns | Up to USD 1 million per financial year, with paperwork |
| Interest taxed in India | No | Yes, with TDS |
| Best for | Fresh investment from your overseas salary | Deploying rent or other Indian income |
Summarised for orientation and current as at August 2026. Confirm your position with your bank and a tax practitioner in both countries before acting.
FATCA, and why some fund houses will decline you.
FATCA is not a ban on NRIs investing in India. It is a reporting obligation that several Indian AMCs have decided is not worth the administrative cost for a small number of investors — so they simply do not accept applications from residents of the United States and Canada.
Others accept them, but only through physical, non-online applications. Which is which changes from time to time.
What we do about it. Before you fill in a single form, we check current acceptance for your country of residence across the fund houses that fit your plan, and build the portfolio only from those that will take you. Clients in Ireland, the UK, Germany and the Gulf are rarely affected. Clients in the US and Canada usually have a shorter list, and we say so at the first conversation rather than after a rejected application.
Completing KYC without flying to India.
PAN and the NRE or NRO account
Both must exist before anything else. If your PAN predates your move, its residential status needs updating — a mismatch fails silently later.
Documents, attested correctly
Passport, visa or residence permit, overseas address proof and a recent photograph — attested by the Indian mission, a notary, or your overseas banker depending on country. We tell you which route yours accepts.
FATCA and CRS declaration
Your tax residency and taxpayer identification number where you live. Straightforward, but one wrong digit causes a rejection weeks later.
In-person verification, done remotely
Most fund houses now accept video IPV. We schedule it in your timezone.
First investment
Typically two to three weeks from the first call, most of which is waiting on attestation rather than on us.
Your India portfolio, in your time zone.
Holdings, SIPs and statements whenever your evening happens to be, which matters more when the office you would otherwise ring is five and a half hours ahead.
What NRIs ask us most.
How are my gains taxed — in India or where I live?
What happens if I move back to India?
Can I invest jointly with a resident parent?
Do you charge NRI clients more?
What times can we speak?
Run the numbers yourself.
Projections, not promises. These use standard formulae and the assumptions you set — which is precisely why the output is a conversation starter rather than a forecast.
The same arithmetic, without the browser.
SIP, step-up, SIP-delay and custom-period calculators are built into the app, alongside goal reports that attach a number to a purpose.
SIP & lumpsum
What a regular or one-time investment could become.
Term cover estimate
A rough sum assured, using the income-replacement method.
Both calculators are illustrative. The SIP projection compounds monthly at the rate you set and assumes uninterrupted contributions; real returns vary and may be negative in any period. The cover estimate uses a simple income-replacement rule and ignores your spouse's income, inflation, existing assets and specific family circumstances — all of which we would weigh in an actual review. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
A practice built on holding the same funds as its clients.
SIR Financial Services Private Limited was incorporated in January 2020 in Hubballi, Karnataka. It guides around a thousand families, roughly a fifth of them living outside India.
Santosh Ishwar Revanaki
He spent thirteen years in software — Persistent Systems, Novell Software Development India, and Hewlett Packard Enterprise — as a quality assurance engineer, then a consultant, then a specialist. Along the way he started investing in mutual funds with his first salary in 2007, and by 2015 colleagues were asking him to look at their portfolios.
In January 2020 he took the AMFI certification and turned that into a firm. The IT career matters more than it sounds: it is where the habit of documenting, testing assumptions and reviewing on a schedule came from — and it is why he is comfortable saying "I do not know, let me check" rather than improvising an answer.
The people behind the practice.
A small practice by design. You speak to the person who knows your file, not to whoever answers the queue — and everyone who keeps this office running is on this page.
Leads the strategic vision, business growth and client-centred financial planning of the practice, with a focus on building long-term wealth for the families it looks after.
Supports strategic decision-making, business operations, team development and client service, while contributing to the sustainable growth and long-term vision of the firm.
Manages client relationships, coordinates service requirements and ensures timely support and a positive client experience through steady communication and follow-up.
Leads digital marketing, brand communication, content and online engagement, strengthening visibility and supporting the growth of the practice.
How the practice got here.
2007
First job at Persistent Systems. First SIP, in the same month.
2015
Begins guiding colleagues and friends informally.
January 2020
AMFI certification. SIR FINANCIAL SERVICES PRIVATE LIMITED incorporated.
2022
First internship cohort. IRDAI certification and MDRT membership.
2026
1,000+ families guided, ₹85 Cr under management, investors in 17 countries.
Eight cohorts, ten business schools.
Since 2022 we have run summer internships and management consulting projects for BBA and MBA students, who work on real client research rather than filing.
What we are registered to do.
Every identifier here is the registered value.
What QPFP® actually took.
Selling a financial product in India requires a distribution licence and little else — AMFI’s ARN examination is a single day. Network FP’s Qualified Personal Finance Professional programme will not admit you without a degree and an existing industry examination, and then runs three level examinations and a final across a hundred hours of teaching. Santosh completed Levels I, II and III and was certified on 29 November 2025.
Level I — Personal Finance Foundations
The profession itself, the client relationship, cashflow and debt, risk, asset classes, and the regulation that governs all of it.
Level II — Personal Finance Solutions
Organising a financial life around goals — emergency funds, protection, education, retirement — and building the plan that connects them.
Level III — Personal Finance Products
The instruments themselves, judged on structure, cost and tax rather than on the brochure they arrive in.
3 + 1examinations
Three level examinations — Foundations, Solutions, Products — then a final mock and a final examination across all of it.
1,000+scenario questions
Not definitions to recall. Situations of the kind that arrive in a first meeting, worked before the examination rather than on a client.
100+hours of training
Cohort-based and live, spread over six months, with recordings rather than instead of the sessions.
30+practitioner trainers
Taught by people who run practices, which is why the syllabus covers what to do as well as what is true.
Entryis already gated
A graduate degree plus an existing industry examination — NISM, IRDAI, CFP or CFA — before the programme will take you.
Renewalevery year
The designation is subject to continuing education and renewal. It lapses if the work stops, which is rather the point of it.
Programme structure as published by Network FP, the awarding body. The designation is subject to continuing education and annual renewal, and any certificate’s validity can be checked on the Network FP members register.
Insights
A note every fortnight, in plain language, on what is actually happening to your money. Written for existing clients and published for anyone.
What an NRI should check before the first SIP
Most NRI enquiries open the same way: someone has decided to start investing in India, opened an app, and been rejected at the last screen with no explanation. It is almost always one of four things.
Term insurance is boring, and that is the point
Insurance 25 Jul 2026Why your FD and your SIP are not competing
Mutual funds 11 Jul 2026Section 10(10D): what changed, and who it affects
Tax 27 Jun 2026The four questions to ask before buying a ULIP
Insurance 13 Jun 2026Rebalancing: the boring habit that does the work
Portfolio 30 May 2026What your fund's expense ratio is actually paying for
Mutual fundsMost of the NRI enquiries we receive open the same way: someone has decided to start investing in India, has opened an app, and has been rejected at the last screen with no explanation. It is almost always one of four things, and all four are avoidable if you check them in the right order.
1. Your PAN still says you are a resident
If you obtained your PAN before moving abroad — most people did — its residential status is still resident. Fund houses reconcile your KYC record against it, and a mismatch fails silently. Updating it is a form and a few weeks, not a problem, but it must happen first.
2. You are investing from the wrong account
You cannot buy Indian mutual funds in dollars, pounds or dirhams. The money has to arrive in rupees from an NRE or NRO account in your own name. Which one you use is not administrative trivia — it determines whether you can freely take the proceeds out of India later.
- NRE holds money earned abroad, and both principal and returns are freely repatriable.
- NRO holds money earned in India — rent, dividends, a pension — and repatriation is capped at USD 1 million a financial year, with paperwork.
If you are investing your overseas salary and might one day want the money back where you live, use NRE. We have seen people spend years building a corpus in an NRO account and only discover the constraint when they try to move it.
3. The fund house does not accept your country
This is the one nobody warns you about. FATCA and the reporting it requires have led several Indian AMCs to stop accepting investors resident in the United States and Canada altogether. Others accept them only on paper forms, never online.
Investors in the UK, Ireland, Germany, the Netherlands, Sweden, Poland and the Gulf are rarely affected. If you are in the US or Canada, your available list is shorter but it is not empty, and a perfectly good portfolio can still be built from it.
4. Your FATCA declaration has a small error in it
Tax residency and the taxpayer identification number of the country you live in. A transposed digit here does not fail immediately — it fails four weeks later, after the rest of the application has been processed. Check it twice.
The order that works
Update the PAN. Open or confirm the NRE account. Check current AMC acceptance for your country. Complete KYC with correctly attested documents and a video IPV. Then start the SIP. Done in that sequence it takes two to three weeks, most of it spent waiting on attestation rather than on anything you can hurry.
What it should not involve is finding out at the final screen, with no explanation, that the answer is no.
Real client work, not filing and photocopying.
We give MBA students practical exposure to mutual funds, financial literacy, client interaction and corporate work culture, helping them develop industry-ready skills. Since 2022 interns have worked on live client research with a deadline and a reviewer, because that is the only kind of work worth putting on a CV.
What an intern actually does here.
A small practice cannot afford to park someone on busywork, which turns out to be the best thing about interning at one. Everything below is reviewed before it reaches a client — the analysis is still yours.
Client portfolio research
Reviewing real holdings against a stated goal and writing up what does not fit. Reviewed by the team before it reaches anyone, but the analysis is the intern’s own.
Fund and scheme comparison
Reading scheme documents rather than fact sheets, and learning why two funds with similar returns can behave nothing alike.
Market and sector notes
Short written pieces on what moved and why, which is where most of the writing practice happens.
Investor education material
Explaining a concept to someone who has never met it. The hardest of these and the one that teaches the most.
Process and operations
How an application actually reaches a fund house: KYC, timelines, the failure modes. Dull until the first time it saves a client a fortnight.
Client conversations, observed
Sitting in on reviews once the cohort is ready. Listening to a real conversation about money teaches what a textbook cannot.
The ground an internship here covers.
Worked through on real portfolios rather than slides, in roughly this order.
Understanding mutual fund concepts
Mutual fund taxation and tax implications
Financial goal planning
Promoting financial literacy and awareness
Portfolio tracking through app and web platforms
Understanding the role of a financial guide
Importance of term life insurance
Importance of health insurance
Why an internship here is worth a summer.
We started taking students in 2022 because the work was there and the teaching was missing. Eight cohorts later it has become one of the more useful things the practice does.
It is where theory meets a real client
A syllabus can teach the difference between an equity fund and a debt fund. It cannot teach you what to say to someone who has just watched their portfolio fall twelve percent.
Small practices give bigger work
A large firm has enough people to keep an intern on the edges. We do not, which turns out to be the best thing about interning here.
The industry is short of people who can explain
Not of people who can calculate. The scarce skill is making a household understand a decision well enough to stick with it for twenty years.
References that describe work
Ours say what a student actually did and how it turned out. That is worth more in an interview than a certificate of attendance.
What you actually leave with.
Stated plainly, because most internship pages are not.
A live project with your name on it
Real client research, a deadline and a reviewer. It goes in your portfolio because you did it.
Grounding in products and regulation
A structured first week on funds, insurance, KYC and what the regulator requires, so you are not learning the vocabulary and the job at once.
Time with clients, once you are ready
Sitting in on reviews. Watching an experienced conversation about money teaches what no classroom does.
Written feedback, not a signature
What you did well, what to work on, and a reference that says so specifically.
AMFI and NISM certification, explained
What the certifications are, what they permit you to do, and how to sit them. Several of our interns have gone on to take them.
A view of the whole business
Research, operations, compliance and client service in one place, which is rare and useful when deciding what you actually want to do.
Every student who has come through.
Every student since 2022, named, with the college that sent them. They all did real client research while they were here.
MBA 2026-27 20 students
Shreya K BhuratKLE IMSRHubballi
Shilpa KamadolliChetan Business SchoolHubballi
Bhuvaneshwari NayakChetan Business SchoolHubballi
GangubaiGlobal Business SchoolHubballi
Sandesh LamaniKLE IMSRHubballi
Shraddha BaddiChetan Business SchoolHubballi
Anusha NalavadiChetan Business SchoolHubballi
Abhishek NashipudiBright Business SchoolHubballi
Krittika HattikalBright Business SchoolHubballi
Manisha PhatkeBright Business SchoolHubballi
Suprita AngadiSDM College of Engineering & TechnologyDharwad
Arpita KomarB.V.V. Sangha's Institute of Management StudiesBagalkot
Pramodkumar NaikPondicherry University, Dept. of Management StudiesPondicherry
Avinash GudihalB.V.V. Sangha's Institute of Management StudiesBagalkot
Soubhagya GhatageB.V.V. Sangha's Institute of Management StudiesBagalkot- Harshita PattarBright Business SchoolHubballi
- Shreemath AkkiBright Business SchoolHubballi
- Om Suresh MerwadeBright Business SchoolHubballi
- Sumant P MBright Business SchoolHubballi
- Varsha ChindiB.V.V. Sangha's Institute of Management StudiesBagalkot
BBA and MBA 2024-25 15 students
Sushma PatilChetan Business SchoolHubballi
Kavya GadadGlobal Business SchoolHubballi
Rashmi ShindhurKLE IMSRHubballi
Tejaswini AttarChetan Business SchoolHubballi
Srinivas AdikeChetan Business SchoolHubballi
Yogish BulabuleChetan Business SchoolHubballi
Vishwanath ParashettiChetan Business SchoolHubballi
Indu MachappanavarKLE IMSRHubballi
Aishwarya SasvihalliKLE IMSRHubballi
Shridhar MalaliIEMS, TarihalHubballi
Aishwarya KumbarBapuji Institute of Engineering & TechnologyDavanagere
Dhiya SKLE's Lingaraj CollegeBelagavi
Sakshi BhoganKLE's Lingaraj CollegeBelagavi- Dhanraj GadadKLE IMSRHubballi
- Jyothi PoojariIEMS, TarihalHubballi
MBA summer internship 2023 11 students
ANU KKLE IMSRHubballi
Kavana S BhatGlobal Business SchoolHubballi
Vijaylaxmi C BadnurBasaveshwar Engineering CollegeBagalkot
Akshata V KanappanavarGlobal Business SchoolHubballi
Mangala K PujarKLE IMSRHubballi
Anusha VawelkarChetan Business SchoolHubballi
Ramesh JadhavChetan Business SchoolHubballi
Sanika V MatadeChetan Business SchoolHubballi
Akash C PadaganurChetan Business SchoolHubballi- Kavya JambaladinniBasaveshwar Engineering CollegeBagalkot
- Anita D UpparKarnatak University, DharwadDharwad
MBA management consulting project 2023 19 students
Saleenanaj S ShaikhGlobal Business SchoolHubballi
Mallikarjun KokatiGlobal Business SchoolHubballi
Vishal P DodawadGlobal Business SchoolHubballi
Mohammadnabi J HuyilagolGlobal Business SchoolHubballi
Rakshit C SiddibhaviChetan Business SchoolHubballi
Varsha Y ManappagalChetan Business SchoolHubballi
Chaitanya NekkantiChetan Business SchoolHubballi
Deepa S RChetan Business SchoolHubballi
Rajat NavalurChetan Business SchoolHubballi
Abhishek HugarGlobal Business SchoolHubballi
Preeti RaikarGlobal Business SchoolHubballi
Ankita AngaragattiGlobal Business SchoolHubballi
Bharath Kumar R TChetan Business SchoolHubballi
Deepa ChalavannavarChetan Business SchoolHubballi
Sanjana KulkarniChetan Business SchoolHubballi
Vinay H KGlobal Business SchoolHubballi- Pavan S BhandarkarGlobal Business SchoolHubballi
- Akshata HebballiChetan Business SchoolHubballi
- NandiniKLE IMSRHubballi
BBA 2023 4 students
Srija MJ.S.S. CollegeDharwad
Sushma MulimaniJ.S.S. CollegeDharwad
DhanalakshmiJ.S.S. CollegeDharwad
Anagha RugvediJ.S.S. CollegeDharwad
MBA summer internship 2022 6 students
Deepika GowdarGlobal Business SchoolHubballi
Kruti JamadandiGlobal Business SchoolHubballi
AvinashkumarGlobal Business SchoolHubballi
Vaishnavi KandakurGlobal Business SchoolHubballi
Vidya A GIBMR Business SchoolHubballi
Balaji D GuttalGlobal Business SchoolHubballi
MBA management consulting project 2022 12 students
SouhadKLE IMSRHubballi
AnushaGlobal Business SchoolHubballi
AnjanaGlobal Business SchoolHubballi
ManjunathGlobal Business SchoolHubballi
PoojaGlobal Business SchoolHubballi
RaghavendraGlobal Business SchoolHubballi
AishwaryaGlobal Business SchoolHubballi
HemantIBMR Business SchoolHubballi
LalithIBMR Business SchoolHubballi
ArchanaIBMR Business SchoolBangalore- ArvindGlobal Business SchoolHubballi
- RameshBangalore
Institutions that have placed students with us.
8 so far, across Hubballi, Dharwad, Bagalkot and Pondicherry. If your placement office would like to run a cohort, we would like to hear from them.
From application to reference.
Apply
Send a CV and a short note on why financial services rather than anything else. No cover letter template survives contact with us.
Conversation
Thirty minutes, mostly about how you think. We are not testing whether you already know mutual funds.
Grounding week
Products, regulation and the vocabulary, so the first real task is not also a language lesson.
Live project
A real piece of client research with a deadline and a reviewer. This is the bulk of the internship.
Review and reference
Written feedback on what you did well and what to work on, and a reference that describes actual work rather than attendance.
The things students actually ask.
Who is it for?
Is it paid?
Where is it based?
Does it lead to a job?
Can my institution place students here?
Send a CV and a short note through the contact form, choosing “Internship enquiry”. We read every one and reply either way.
Nineteen houses, so the panel is not the answer.
Were the list three names wide, empanelment would decide the recommendation. A wide panel is what turns the question into which fund rather than which of ours.
Start a conversation
Who we distribute for.
We are empanelled across the market rather than tied to any single house. That is what makes an honest recommendation possible — and it is why we publish the full list rather than a curated handful.
Asset Management Companies
Mutual funds · 19 empanelled
Aditya Birla Sun Life Mutual FundAxis Mutual Fund
Bajaj Finserv Mutual Fund
Bandhan Mutual Fund
DSP Mutual FundHDFC Mutual FundICICI Prudential Mutual Fund
Invesco Mutual FundKotak Mutual Fund
Mahindra Manulife Mutual Fund
Mirae Asset Mutual FundNippon India Mutual Fund
PPFAS Mutual FundSBI Mutual Fund
Sundaram Mutual Fund
Tata Mutual Fund
UTI Mutual FundLife Insurance
Term, pension, guaranteed income
Tata AIA Life Insurance
ICICI Prudential Life InsuranceHealth Insurance
Individual, floater, senior citizen, groupStar Health Insurance
Care Health InsuranceLoan Against Mutual Funds
Lending partnerVolt MoneyPartner names confirmed by the practice. Logo artwork still to be supplied — each partner’s brand permission is required before publishing their mark.
A short list is a conflict of interest.
A distributor empanelled with three fund houses can only ever recommend from three. We hold empanelment across the market so that the answer to “which fund” is decided by your goal and horizon, not by who we happen to have a contract with.
Disclosed, not hidden.
We receive trail commission from the asset management company, paid out of the scheme’s expense ratio, and commission from insurers at IRDAI-prescribed rates. You pay us nothing directly. Rates differ between schemes; where that could affect a recommendation, we say so at the time.
Start with a conversation.
Thirty minutes, no product pitch, no fee. We look at what you have and tell you plainly what we would change. If that is nothing, we will say so.
Tell us a little.
We use your details only to respond to this enquiry and, if you become a client, to service your account. We do not sell or share them. Alongside your message we record how you reached us — the page you landed on, the site that referred you, your timezone and browser language — so we can answer in your working hours and see which pages are useful. No cookies are used for advertising and we do not track you across other websites. See the privacy policy for retention periods and your rights.
Hubballi, Karnataka.
+91 97398 16000
Also +91 97396 86000. Call or WhatsApp, Monday to Friday, 10am–5pm IST.
support@sirfinancialservices.in
For enquiries, statements and anything that needs a written record.
SIR FINANCIAL SERVICES PRIVATE LIMITED
Marvel Ecron, Unit No. 322
3rd Floor, Gokul Road
Hubballi 580030, Karnataka, India
Marvel Ecron, Unit No. 322
3rd Floor, Gokul Road, Industrial Estate,
Hubballi, Karnataka 580030
Visitor parking on Gokul Road. Monday to Friday, 10am–5pm IST.
Google · 5.0 from 94 reviews
Read what families have written on our Google Business Profile, or leave one of your own.
Book a 30-minute call
Pick a slot that suits you on our booking page — no fee, no obligation.
If you are abroad
Evening slots for the Gulf and Europe, and early-morning IST slots for North America. Booking times are shown in your own timezone.
Existing clients
Portfolio statements, transactions and capital-gains reports are in the investor portal.
Most questions have an answer in the app.
What a fund has done, where a SIP has got to, a capital-gains report for your return. Worth a look before the phone — and we are still here when the question needs a person.
Disclosures & grievance redressal
Everything a regulator, a client or a prospective client should be able to find in one place without asking.
Who we are registered as.
Every identifier here is the registered value.
Commission, disclosed.
We are an AMFI-registered mutual fund distributor. We do not charge investors a fee and we do not provide investment advisory services for a fee. We receive trail commission from asset management companies, paid out of the scheme's expense ratio.
Commission rates vary between schemes and between fund houses. Where a recommendation could be affected by that difference, we disclose it at the time. For insurance we receive commission from the insurer at the rates prescribed by IRDAI.
The risk statement.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing. Past performance is not indicative of future results, and the value of your investment can go down as well as up.
Insurance is the subject matter of solicitation. Tax treatment depends on your individual circumstances and may change. Any illustration or calculator output on this site is a projection based on assumptions you set, not a promise of returns.
Privacy notice.
Written to be read. The short version: we collect what we need to reply to you and to service what you hold with us, we keep it in India, and we do not sell it.
What we collect
From the enquiry form: your name, email, phone, country of residence and what you asked about. If you become a client, we additionally hold the KYC and transaction records our obligations require. Our website counts visits without cookies and cannot identify you individually — country is the most precise location it records.
Why we may hold it
For an enquiry, your consent, recorded with the date and the version of this notice in force at the time. For a client relationship, the contract between us and the obligations placed on a distributor by AMFI, SEBI and IRDAI. Consent for an enquiry may be withdrawn at any time; records we are required to retain cannot be deleted on request.
Who else sees it
Asset management companies, registrars and insurers, where a transaction requires it. Our hosting and email providers, as processors. Nobody else. We do not sell personal data and we do not share it for anyone else’s marketing. The contact page embeds a Google map, so opening that page contacts Google and may set their cookies.
How long we keep it
An enquiry that does not become a relationship is deleted within twenty-four months. Client records are held for the period our regulators require, currently eight years from the end of the relationship.
Your rights
Under the Digital Personal Data Protection Act 2023 you may ask what we hold about you, ask us to correct it, ask us to erase it where we are not required to keep it, and nominate someone to exercise these rights on your behalf. If you are in the EEA or the UK, the GDPR gives you equivalent rights including portability and objection. Write to support@sirfinancialservices.in and we will respond within thirty days.
Where it is held
On servers in India. Nothing is transferred outside India except where a fund house, insurer or registrar you have transacted with operates its own systems elsewhere.
Version and effective date to be set before launch. Every consent we record is stamped with the version in force when it was given.
Terms of use.
This site is information, not advice
Nothing here is a personal recommendation. We are an AMFI-registered mutual fund distributor, not a SEBI-registered investment adviser, and we do not charge a fee for advice. What suits another investor may not suit you.
Calculators are illustrations
Every figure a calculator on this site produces is arithmetic applied to assumptions you chose. It is not a projection of what any scheme will return, and it is not a quotation.
Accuracy
We take care that what is published here is correct when published. Scheme details, commission structures, tax treatment and regulation all change. Always read the scheme information document or policy wording, which prevails over anything said here.
Links to other sites
We link to fund houses, insurers and regulators for your convenience. We do not control those sites and are not responsible for their content.
Governing law
These terms are governed by the laws of India. Courts at Hubballi, Karnataka have exclusive jurisdiction.
Draft for review. Have these confirmed by your compliance adviser before launch — particularly the retention periods and the jurisdiction clause.
Grievance redressal.
Complaints are acknowledged within two working days and resolved within twenty-one, or you are told why more time is needed.
Raise it with us
Write to support@sirfinancialservices.in or call +91 97398 16000. Include your folio or policy number.
Escalate to the principal officer
If unresolved after twenty-one days, escalate to the Director named in the disclosures above.
Escalate to the regulator
For mutual funds, SEBI SCORES at scores.gov.in or the AMC's investor relations officer. For insurance, the IRDAI Bima Bharosa portal, and thereafter the Insurance Ombudsman for your region.
Contact routes must be confirmed against current regulator guidance before launch.
Photograph credits.
The country and city photographs on the home page come from Wikimedia Commons and are used under the free licences shown. Where a licence requires the photographer to be named, they are named here.
- United States — Rhododendrites, CC BY-SA 4.0
- United Kingdom — Diliff, CC BY-SA 3.0
- Ireland — Ralf Houven, CC BY 3.0
- Germany — Thomas Wolf, www.foto-tw.de, CC BY-SA 3.0
- Netherlands — Massimo Catarinella, CC BY-SA 3.0
- Sweden — Julian Herzog (Website), CC BY 4.0
- Poland — Krzysztof Zgłobicki, CC BY-SA 4.0
- UAE — Tim.Reckmann, CC BY-SA 3.0
- Saudi Arabia — B.alotaby, CC BY-SA 4.0
- Qatar — Zairon, CC BY 4.0
- Canada — Maksim Sokolov (maxergon.com), CC BY-SA 4.0
- Mumbai — Ramkumar TD, CC BY-SA 3.0
- Delhi — Yann, CC BY-SA 3.0
- Bengaluru — Rameshng at Malayalam Wikipedia, CC BY-SA 3.0
- Hyderabad — Hari Om Prakash, CC BY-SA 3.0
- Chennai — Arian Zwegers derivative work: MrPanyGoff, CC BY 2.0
- Kolkata — Bernard Gagnon, CC BY-SA 3.0
- Pune — Deepshinde, CC BY-SA 4.0
- Ahmedabad — Tejal Acharya, CC BY-SA 3.0
- Jaipur — Chainwit., CC BY-SA 4.0
- Lucknow — Harsh13596, CC BY-SA 4.0
- Kochi — This Photo was taken by Timothy A. Gonsalves. Feel free to use my phot, CC BY-SA 4.0
- Amritsar — Jasleen Kaur, CC BY-SA 2.0
- Hubballi — Syed Zohaibullah, CC BY-SA 3.0
- Mysuru — Hari R, CC BY 2.0
- Belagavi — Shubham S. Sankannavar, CC BY-SA 4.0
- Mangaluru — BHARATHESHA ALASANDEMAJALU, CC BY-SA 4.0
- Kalaburagi — Rangan Datta Wiki, CC BY-SA 4.0
- Davanagere — The original uploader was Dineshkannambadi at English Wikipedia., CC BY-SA 3.0
- Shivamogga — Krishnakulkarni36, CC BY-SA 4.0
- Vijayapura — Mukul Banerjee, CC BY-SA 3.0
- Tumakuru — Srinivasa83, CC BY-SA 3.0
- Ballari — Vikashegde, CC BY-SA 4.0
- Udupi — Ashok Prabhakaran from Chennai, India, CC BY-SA 2.0
A few questions, then a prepared call.
Seven short questions, about two minutes. Ask anything along the way — it answers what it can and passes the rest to Santosh, who calls you already knowing your situation.
This is automated.
You are answering a script, not a person. It asks about your goal, your timeframe and what you can set aside, and it can answer common questions about how things work — documents, timelines, account types, what we charge. It cannot recommend a fund, predict a return, or advise on your own money. Santosh does that, on the call.
Your answers are stored with your enquiry and used to prepare that call. See the privacy policy.
None of these quite right? Type your own answer. Or ask about documents, timelines, NRI accounts, or what we charge.
Automated, and not investment advice. Santosh answers anything about your own money — message him on WhatsApp at any point, or call the office.