AMFI-sourced
Every short-list is backed by published data
Schemes we surface ride on AMFI 10-year category averages — the same numbers the regulator publishes. No in-house rankings, no broker scorecards.
AMFI Registered · ARN-355152
An MFD that won't sell you what doesn't fit.
Risk-profiled mutual fund distribution backed by AMFI-published data — not in-house rankings. Execution stays in your Kotak Securities folio. We never hold your money.
AMFIRegistered · ARN-355152Kotak SecuritiesExecution partnerSEBI SCORESInvestor grievance
Our philosophy
Structure first. Then products. Then returns.
Most Indians invest without a plan — a mutual fund here, an insurance policy there, a fixed deposit for safety. Products chosen on a tip or what was available at the time. The result is a collection of disconnected decisions with no thread connecting them.
Investor Sahayogi helps you change that. We understand your goals and risk capacity first, then surface schemes from a SEBI category that fits — every short-list backed by AMFI-published data, not incentives.
Your investing advantage
Four things we hold ourselves to.
Concrete commitments — not marketing language. Each one ties back to an AMFI registration constraint or a SEBI rule.
Risk profiling first
Category before scheme, every time
A five-question risk profile maps your goal to a SEBI fund category. We never pitch a scheme without that category context first.
Folio with Kotak
Your units, your folio — we never hold money
Execution is through Kotak Securities. Units sit in your folio at the AMC, not in a pool. We earn trail commission disclosed in the scheme expense ratio.
Stay informed
Process coordination, not advice
KYC, scheme paperwork, redemption coordination, exit-load checks. We facilitate the journey — personalised investment advice stays with SEBI-Registered Investment Advisers.
Six services within our scope
What we are registered to offer — and what we are not.
ARN-355152 covers Mutual Fund Distribution directly. Bonds, Insurance, and IPO are facilitated through our Kotak DSA arrangement. Retirement and Legacy are investment-product-only scopes.
Primary service · AMFI ARN
Mutual Fund Distribution
Regular Plans of open-ended mutual fund schemes across every SEBI-defined category. The core of what we do.
Source: AMFI · ARN-355152
Read more →Via Kotak DSA
Bonds & Fixed Income
RBI Floating Rate Bonds, 54EC, Sovereign Gold Bonds, and Corporate NCDs through our Kotak DSA arrangement.
Source: Kotak Securities Ltd · DSA · April 2026
Read more →Via Kotak DSA · IRDAI
Insurance — Protection First
Term and health insurance referrals through Kotak’s panel. Protection, not investment substitutes.
Source: IRDAI · referral via Kotak
Read more →Via Kotak DSA
IPO Application Support
ASBA applications, documentation, and allotment tracking through Kotak. We do not recommend specific IPOs.
Source: SEBI ASBA · via Kotak DSA
Read more →Investment facilitation · ARN scope
Retirement Planning — Building the Corpus
We help with the investment-product selection and SIP structuring that build a retirement corpus.
Source: AMFI · ARN-355152
Read more →MF-only scope · AMFI
Legacy Planning — Nomination & Documentation
Nomination registration, folio review, and RTA coordination so your MF wealth passes cleanly.
Source: AMFI · ARN-355152
Read more →Plan for life's real goals
Three calculators map to the three goals investors ask about.
Each goal links to the calculator you would use to model the scenario — concrete next step, not generic copy.
01
Retire with a known corpus
See how much you need at retirement age and whether your current SIP is on track. Adjust inflation, post-retirement return, and life expectancy.
Open the retirement calculator
02
Fund a child’s milestone
A future-value lumpsum or a goal-based SIP that lands on the year you need the money — school, college, or a deposit on a home.
Open the goal-based SIP
03
Accelerate a wealth path
Compare SIP and lumpsum under the same expected return, and see the year-by-year corpus build for the path you pick.
Open SIP vs Lumpsum
What you can do here today
Seven things that work right now.
Every card links to a working route. We don't list anything that isn't live.
Run a SIP projection
Pick a monthly amount, horizon and AMFI category rate. See the corpus and the year-by-year build.
Compare SIP vs lumpsum
Same total invested, same expected return. See where each ends up under a constant-rate model.
Plan a retirement corpus
Inflate today’s monthly expense to retirement age. See the corpus required and the extra SIP you need.
Estimate ELSS tax saved
§80C deduction under the Old Regime, plus the maturity corpus after the three-year lock-in.
Read the fund-category guide
Sixteen short sections on how mutual funds work, how to read returns, and how to choose a SEBI category.
Verify our ARN
Look us up directly on the AMFI Locate-a-Distributor portal — independent confirmation of ARN-355152.
Raise a complaint
Five-step escalation path from us to the AMC to SEBI SCORES, with the contact for each step.
Run the numbers
Educational calculators.
Seven illustrative tools. AMFI-sourced presets. Past performance is not indicative of future returns.
Run a SIP projection
Pick a monthly amount, horizon and AMFI category rate. See the corpus and the year-by-year build.
Learn more
Compare SIP vs lumpsum
Same total invested, same expected return. See where each ends up under a constant-rate model.
Learn more
Plan a retirement corpus
Inflate today’s monthly expense to retirement age. See the corpus required and the extra SIP you need.
Learn more
Frequently asked
Questions we get most often.
If something isn't covered, write to us — we respond within 48 hours.
Do you guarantee returns?
No. We do not guarantee returns, fixed returns, or risk-free outcomes. Market-linked products carry risk. Mutual Fund investments are subject to market risks. (Source: AMFI India.)
Do you provide personalised investment advice?
No. Investor Sahayogi is an AMFI-registered Mutual Fund Distributor (ARN-355152). We are NOT a SEBI-Registered Investment Adviser (SEBI RIA). We provide incidental information in our capacity as a distributor — not holistic financial planning or personalised investment recommendations.
Are mutual funds suitable for everyone?
No. Suitability depends on goals, timeline, risk tolerance, liquidity needs, and investor behaviour. Mutual funds are subject to market risks. (Source: AMFI India.)
Is insurance an investment substitute?
No. Insurance is primarily for protection. It should be chosen with clarity on coverage, exclusions, waiting periods, and claim conditions. (Source: IRDAI.)
How do you earn — and how does it affect my portfolio?
We receive trail commission from AMCs on Regular Plan mutual fund investments. This is embedded in the scheme's expense ratio — you do not pay us separately. Commission rates are fully disclosed per SEBI regulations and are available on request at info@investorsahayogi.com.
Get started
Open a folio. Build it from the rates that AMFI publishes.
Mutual funds, bonds, IPO support, insurance referrals — facilitated with structure, transparency, and AMFI-published data backing every scheme we surface.