What we do for you, what we don't — and how we are regulated to do it.
Every service below is permitted for a registered mutual fund distributor under AMFI and SEBI regulations.
We recommend suitable regular-plan mutual funds based on your investment amount, time horizon, and risk capacity — across equity, debt, and hybrid categories.
We handle your SIP registrations, modifications, top-ups, and pause or cancellation requests — across all major AMCs from a single point of contact.
We guide you through the complete KYC process, help set up your investment folios, and ensure all documentation is in order before your first investment.
We conduct periodic reviews of your mutual fund portfolio to check whether your current funds and SIP amounts remain appropriate for your situation.
We inform you when your portfolio allocation has drifted significantly and help you execute switches between funds when appropriate.
We share regular updates on market conditions, fund performance, and mutual fund concepts to help you make more informed investment decisions.
We help you access and understand your consolidated account statements from CAMS and KFintech, including capital gains reports for tax filing.
We handle nomination updates, KYC changes, dividend reinvestment options, and other folio-level service requests on your behalf.
We help you calculate how much to invest monthly via SIP to build a target corpus over a given time period, using standard financial calculators.
Commission disclosure: As a SEBI-regulated mutual fund distributor, we earn trail commission from Asset Management Companies on the regular-plan mutual funds we transact for you. This commission is embedded in the fund's expense ratio — we do not charge you any separate fee. You are entitled to receive an annual commission disclosure statement. You can verify this at any time via the CAMS or KFintech portals.
An MFD operates within a clearly defined mandate. Knowing the boundary is part of honest counsel — so we state it plainly, before you ask.
We do not charge any fee for recommendations or services. Our income comes only from AMC trail commission.
Comprehensive written financial plans are the domain of SEBI Registered Investment Advisers, not distributors.
We do not advise on direct equities, derivatives, bonds, or any non-mutual-fund investment products.
We transact only in regular plans. For direct plan investing, you may use AMC websites or SEBI RIA platforms directly.
Portfolio Management Services and Alternative Investment Funds are outside the scope of mutual fund distribution.
Mutual fund investments are subject to market risk. We never promise or imply assured or guaranteed returns of any kind.
A transparent look at what you get through us versus investing on your own via direct plans.
| Feature | Through Sutra (regular plan) | DIY (direct plan) |
|---|---|---|
| Setup & onboarding | ||
| KYC and folio setup | We handle it | Self-managed |
| Fund selection guidance | Provided | Self-research |
| SIP setup and automation | We set it up | Done by investor |
| Ongoing service | ||
| Portfolio review | Periodic review | Self-managed |
| Rebalancing alerts | Proactively flagged | Investor tracks |
| SIP top-up reminders | Sent by us | No reminders |
| LTCG / STCG tax guidance | Explained by us | Self-calculated |
| Nomination and KYC updates | We handle it | Self-managed |
| Behavioural support | ||
| Support during market downturns | We guide you | On your own |
| Consistency in SIP discipline | We follow up | Fully self-disciplined |
| Cost | ||
| Expense ratio (approx.) | ~1.0–1.5% p.a. | ~0.5–0.7% p.a. |
| Fee charged to you | Nil — paid by AMC | Nil |