PrudentFP | Financial Planning, Investments, Insurance and Tax

PrudentFP: Financial Planning, Investments, Insurance and Tax Advisory

+91 (981) 600-2197info@prudentfp.in

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SEBI Registered Investment Adviser

Simplify Your Financial Life

Simple choices lead to better investment decisions and help you reach your goals.

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Suresh Kumar Narula

CFP^® · Founder & Principal Planner, PrudentFP

Our services

What We Offer

Personalised financial planning and tax advisory for salaried people and professionals at every age. Explore freely, keep what helps, walk away if it doesn’t.

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How we work

Prudent Financial Planning Process

A financial plan is built in stages, so every recommendation rests on your real numbers and goals. We follow these six steps for every planning engagement, from the first agreement to regular reviews. You always know what comes next, what we need from you and what you will receive at each stage.

Step 1

Engagement

We begin with a Letter of Engagement that sets out our scope, how we are paid, and the service you can expect. Everything you share stays confidential, and you know exactly what happens at each step before we start.

Step 2

Discovery

We learn your full financial picture: family, income, goals, assets and liabilities. You fill in our simple form and email your recent statements, and we return them when the engagement ends.

Step 3

Assessment

A short questionnaire on your attitude to investing, your experience and your values produces a report on your risk tolerance, risk capacity and the risk your goals require. It guides every decision that follows.

Step 4

Blueprint

We map your finances into a blueprint to achieve your goals and enjoy financial freedom, send a first plan and walk you through it. Your feedback shapes the final plan, with clear recommendations and the reasons behind each.

Step 5

Implementation

We turn your plan into a clear action list, in order of priority, with the reason for each step. We recommend the most economical and convenient products for each goal and help you with the paperwork.

Step 6

Guard

We stay alongside you to protect your plan. Every six months we review progress against each goal, check your investments and tax position, and correct course where needed.

Prudent Online Support

Your plan does not end when it is delivered. We stay with you as it moves forward, answer your questions, help you act on each recommendation and make follow-ups easy, by email, phone, WhatsApp Chat or video call, whichever suits you. A planner who knows your situation is always a message away. To book an appointment, email info@prudentfp.in, call +91 98160 02197 or chat with us on WhatsApp.

Our Milestones over the years

We have been advising families across the world on their finances and life goals. Clients trust us with their money, and we handle their online income tax and GST filing, including notices, through fee-based planning and tax advisory built around each family.

Why Choose Us

Unbiased advice, no sales pitch

As a SEBI Registered Investment Adviser (RIA), we meet strict standards for education, experience, certification, record keeping, disclosures and compliance. PrudentFP turns 15+ years of market experience into clear, goal-based guidance for you and your family: unbiased advice, no sales pitch.

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Straight answers to the questions we hear most.

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Home / Mutual Fund Portfolio

Mutual Fund Portfolio

Build your portfolio online

Start with a clear goal, then match your funds to it.

The first step in building a portfolio is a clear goal. Once you have one, the rest of the portfolio is easier to build.

Short-term goals

At PrudentFP, we treat short-term and long-term goals differently. Short-term goals are best met with fixed-income investments, such as a bank fixed deposit or a liquid or other diversified debt fund.

If you are saving gradually towards such a goal, a bank recurring deposit may do. It yields 5.8 per cent per annum, so use it only for goals two to three years away. Beyond that, the low returns start to hurt.

Long-term goals

For long-term goals, a portfolio of equity mutual funds is the best option. Equity is the only asset type that can grow your money faster than inflation. Fixed income is safer but generally cannot beat inflation.

Equity funds suit goals 7 to 15 years away. They can be volatile in the first 0 to 5 years, and market ups and downs can cause temporary losses. We do not recommend equity funds if your goal is closer than three to five years. Equity demands discipline, regular investing and enough time.

Before you invest, set your financial goals. Then choose schemes by time horizon, which helps you set your risk tolerance and ideal asset allocation: the mix of liquid, debt and equity in your portfolio.

Your portfolio, online

We offer online services to manage your mutual fund portfolio and other investments. With Wealth Magic Portfolio Online, you get a consolidated view of all your holdings in all funds we service, in one window.

Mutual funds then let you build a diversified portfolio. Diversification does not protect against losses in a falling market, but it spreads risk within and across asset classes.

We will guide you through

What is my risk profile?
Are all my mutual fund schemes mapped to my financial goals?
What should my asset allocation be?
How long should I stay invested?
Why do I need to diversify?
Is my investment objective income or growth?
Does my current equity exposure match my risk appetite?
Is my portfolio built to create wealth, or to chase high returns?

How we are paid

Advisory (Direct Plans)*

We sign a contract with you to advise on and maintain your mutual funds under Direct Plans only. Our investment advisory fee is 1% a year of average Assets under Advice (AUA), payable monthly, or any other fee we agree in a separate advisory agreement.

Distribution (Regular Plans)

We invest in Regular Plans only, and we may earn a trail commission of 0% to 0.80% p.a. from the fund houses, regulated and capped by SEBI. You pay no separate fee and no hidden charges.

Fee for Direct Plans*

For investments in direct plans, the annual fee depends on the assets under advice (AUA).

AUA (assets under advice)	Fees as a % of AUA*
Up to ₹10 lakhs	Fixed fee of ₹10,000
₹10 lakhs to ₹25 lakhs	1%
₹25 lakhs to ₹50 lakhs	0.75%
₹50 lakhs to ₹100 lakhs	0.65%
Above ₹100 lakhs	0.50%

* 18% GST is levied separately, over and above these fee limits.

Fee calculator

Enter your assets under advice (AUA) to estimate the annual fee for Direct Plans. The first ₹10 lakhs carry the fixed fee, and each slab above it is charged at its own rate.

Assets under advice (AUA)

₹lakhs

₹1 lakh₹3 crore

Fee p.a.

Per month

Effective % of AUA

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* 18% GST is levied separately, over and above these fee limits. This is an estimate and not an offer. The final fee is set in your advisory agreement.

Disclaimer. We do not promise that the investments you make based on this plan will be profitable. Investments are always subject to various market, currency, and economic, political and business risks. We will not be liable for any losses that may be caused directly or indirectly by such investment decisions.

Know on sureshcfp.com →See the Comprehensive Financial Plan →

Home / GST Filing Returns

GST Filing Returns

File GST returns with ease

Accurate, on-time filing so you can focus on growing your business.

GST returns are filed online, but they must be correct so that tax credit passes to the next stage.

Every registered dealer must file, even with zero turnover. A regular business files at least two returns each month, GSTR-3B and GSTR-1. Late filing attracts a late fee of ₹50 per day, plus interest on the tax due. We handle this time-consuming task for you.

Key returns and due dates

GSTR-3B: monthly summary, due by the 20th of each month.
GSTR-1: details of outward supplies, due on the 10th of each month or quarter, depending on turnover.
GSTR-4: for composition scheme dealers, filed quarterly.
GSTR-9: annual return, due by 31 December.

What we do as your GST Practitioner

Apply for new GST registration
File the monthly GSTR-3B return
Claim input tax credit on inward goods and services
Furnish quarterly GSTR-1 and GSTR-4 (composition dealer) returns
Deposit funds into the electronic cash ledger
File refund claims, after your confirmation
File applications to amend or cancel registration, after your confirmation
Appear as your authorised representative

Packages for small traders, contractors and service providers

Each package covers monthly GSTR-3B and GSTR-1, input tax credit set-off, tax payment and the annual GSTR-9, up to 30 invoices a month including sales and purchases.

Proprietorship

For individuals with a new GST registration whose business is yet to start.

₹12,000 + GST per year

AOP, partnership firm or private limited company

For businesses with gross annual turnover up to ₹5 crore.

₹15,000 + GST per year

Composition scheme

For taxpayers who opted for the composition scheme. Covers the quarterly GSTR-4 and compliance support.

₹6,000 + GST per year

Customised

For special business needs. Fees depend on the returns and volume involved, and we provide ongoing support on GST and its practical application.

Know on sureshcfp.com →See Income Tax Returns →

Home / Income Tax Returns

Income Tax Returns

Easy e-filing, expert advice

Professional filing and tax planning at an affordable cost.

Many taxpayers are unsure about the law, the procedure and which form, income and tax regime apply to them. We take care of all three.

We file your return and then stay with you. We help you save tax and track your refund and assessment status online. We also support rectifications and revised returns, investment declarations, job changes, increments, proof submission, capital asset sales, self-assessment tax and advance tax through the year.

Tax planning

Tax planning means arranging your finances so that you legally pay the least tax each year. The saving can be invested for future goals, and it removes the year-end rush and worry.

Lower your tax liability within the law.
Invest what you save to build wealth.
Choose tax-saving options that match your age, liabilities and preferences.
Use the incentives the Government offers, with no evasion.

Whatever your circumstances and goals, we advise you on the tax reduction techniques that suit you.

Salary, interest, rental income and long-term capital gains

For salaried individuals with interest income, long-term capital gains up to ₹1.25 lakh, or rent from a let-out or deemed let-out house.

₹1,000 to ₹1,200 + GST. Senior citizens get a 10% discount.

Business and professional income (presumptive)

For businesses with annual turnover up to ₹3 crore that need no tax audit, and professionals with turnover below ₹75 lakh. No balance sheet is needed.

₹1,500 + GST, or 10% of the refund, whichever is higher.

Capital gains and relief under Section 89

If you sold shares, mutual funds or property, you must report each transaction under Schedule 112A. Claiming relief under Section 89(1) needs Form 10E, which is hard to fill without expertise.

From ₹2,000 to ₹3,000 + GST.

TDS on property purchase from a resident (Form 26QB)

For property above ₹50 lakh, you deduct 1% TDS from the seller. We handle TRACES registration, Form 26QB, Form 16B and expert support by email and phone.

₹500 per form + GST.

TDS on property purchase from an NRI (Section 195)

For property above ₹50 lakh, you deduct 20% TDS plus surcharge and file under a new TAN. We handle TAN registration, the TDS return, Form 16B and expert support.

₹5,000 + GST.

Post-filing assistance

If you receive a tax notice, we reply online on your behalf and, if needed, represent you in scrutiny cases. We keep a complete tax file with your returns, assessment orders, notices and refunds, plus a document vault. We also update you on tax law changes by email and phone.

Note. In every case you get a simple report of your incomes, deductions and tax liability, with a pre-filled offline and online tax e-challan, to review before we file.

Know on sureshcfp.com →See the Comprehensive Financial Plan →

Home / Insurance Planning

Insurance Planning

Protect your family from financial hardship

The right cover at a cost that fits, built around your circumstances.

Insurance is a risk management tool that protects you and your family from financial hardship caused by unplanned events.

Cover matters most for breadwinners who support their families alone. Whether you are buying a home, building wealth or meeting basic needs, good insurance planning protects what you are working towards.

We work with you to identify your risks and put in place a cost-effective risk management programme built around your circumstances and requirements.

Our insurance recommendations

Life term insurance
Family health insurance
Personal accident insurance (disability)
Critical illness (fixed benefit)

We consider your overall needs, help you decide which type of cover suits you best, and answer your service queries. A well-planned policy gives financial security for both life and assets, and some of our insurance options can also reduce your tax outgo.

Looking for a health insurance policy that offers

Maximum income tax benefit under Section 80D
Cover for you, your spouse, children and parents
A premium that stays constant up to a certain age
Cover that continues up to age 75
No restrictions and sub-limits
Free annual health check-ups
The lowest morbidity charges
Cover for day care treatment

If so, contact us. We promise you will find a plan that meets your expectations.

Visit sureshcfp.com See the Comprehensive Financial Plan →

Home / Goal GPS

Goal GPS Online

Think Goal... Achieve Goal...

Link every investment to a goal and track it until you get there.

Goal GPS is a roadmap for your investments.

Many investors put money into funds hoping for high returns. Without clear goals and regular tracking, funds are managed poorly and drift from their purpose, and gains can turn into losses.

To reach any target amount, link each investment to a goal and track it continuously. At PrudentFP, we help you turn real-life goals into a systematic investment strategy. Goal GPS lets you set long-term objectives and prepare a standard plan to meet them. These can be a car, a child’s education, a holiday, retirement or a house.

Without investment goals

Returns on invested funds are irregular.
There is no consistent pattern of investing.
You may lose notional gains because you get no updates on fund progress.
Your investments are left to the market in a recession, because you have no specific goals.
Your investing runs on luck by chance, not luck by choice.

Goal GPS helps you avoid these problems.

How Goal GPS helps

Structured planning and mapping of funds across different assets, including mutual funds.
Specific objectives for each goal, such as child education, a car, a house or retirement.
Regular tracking, so goals are achieved within the set time.
New funds can be allocated at any time alongside existing investments.
Periodic review of your investments.

What Goal GPS focuses on

Systematic goal planning for the future.
A strategy built after calculating inflation and future cost.
Funds mapped and allocated across multiple assets, including SIPs.
New funds mapped as per your plan.
A tracker that monitors the status of your investments.

Goal GPS can help almost every investor. We recommend the online mobile app and a Wealth Elite Desk login for uninterrupted service and full use of the feature.

Suitability

Goal GPS suits you if you are serious about your financial life, want a long-term relationship and understand that this is an ongoing process until your goals are achieved. It maps each of your financial needs and gives purpose to your existing and future investments.

It also suits you if you want your financial life fully organised, suitable investments, a way out of unsuitable products, and a disciplined, goal-based investment plan.

Fee structure

For all ages and income levels

First year

₹11,800 per annum

₹10,000 + GST @18% (₹1,800)

Subsequent years

₹5,900 per annum

₹5,000 + GST @18% (₹900), until the goal is achieved

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Home / Privacy Policy

Privacy Policy

How we use and protect your information.

Our relationship is built on trust. This policy explains how Prudent Financial Planners uses and protects the information you share with us.

If we ask you for information that can identify you when you use this website, we will use it only as this policy describes. We may update this policy from time to time by changing this page.

What we collect

We may collect your name, email address, contact details and other identifiers when you register, fill in a form, or contact us. We use this information to respond to you, provide our services, and communicate with you about your account or engagement.

Confidentiality

We take reasonable measures to protect the confidentiality of your information, including when it is sent over the internet. We do not share your information unless you ask us to, or unless the law requires it. We may have to disclose personal information to government bodies, courts and regulators, or to any person to whom we are legally bound to disclose it. We are not liable for disclosure caused by reasons beyond our control.

Security

We keep suitable physical, electronic and managerial safeguards in place to prevent unauthorised access, alteration, disclosure or destruction of the information we collect online.

The Wealth Elite app

Our online portfolio view and app are provided by REDVision Global Technologies Pvt. Ltd. When you use the Wealth Elite app, features such as Video KYC may ask for access to your camera, photo gallery or location. The app handles that data under REDVision’s own privacy policy, which you can read at redvisiontechnologies.com.

Links to other websites

This website may link to other websites. Once you leave our site, we have no control over those sites and cannot be responsible for the privacy of any information you provide there. Any link to another site is at your own risk, and we do not verify, monitor or endorse the content or opinions on it. Please read the privacy statement of any site you visit.

Controlling your personal information

You can ask us to correct or update information that is wrong or incomplete, or to delete your personal information. Write to us at info@prudentfp.in and we will correct any information found to be incorrect.

Home / Disclaimer & Disclosure

Disclaimer & Disclosure

The limits of our advice and our responsibilities.

We believe in complete transparency. This page sets out the limits of our advice and our responsibilities. Please read it and tell us if you have any doubts.

About our plans and advice

Your financial planner is a human being, and mistakes are possible. We review our processes and keep checks in place to avoid errors, and we take personal responsibility for delivering value to our clients.

We build your financial plan from the information you give us and the goals you set for yourself and your family.
Results depend on how you carry out our recommendations, and they hold true only as far as the assumptions do.
If the information you provide is incorrect, the outcome of the plan will reflect that.
Please do not treat our financial plan as legal or accounting advice.

Assumptions and estimates

The numbers in your plan are general estimates. Your actual situation may differ, depending on many factors that change over time.
Tax assumptions we make today may change substantially with future regulation.
We make assumptions in good faith. They can affect your outcome in a positive or a negative way, so please review them yourself.
We do not warrant the accuracy of the plan, and we do not accept liability for any error, omission or loss that arises from it.

Reviewing your plan

Review your plan regularly, at least once a year. Update it with your progress, current position and any change in future needs.

Investment risk

Past performance does not guarantee future results.
Our advice and recommendations are not insured in any way.
We do not promise that your investments will be profitable. Investments are subject to market, currency, economic, political and business risks.
Registration with SEBI, membership of BASL and NISM certification do not guarantee performance or assure returns.

General terms

Errors and omissions are excepted (E&OE).
We may amend our offerings, terms and conditions and other details without prior notice.
You are under no obligation to buy any product or service through us.
We do not claim to have expertise in every financial product available in the country.

Home / Beware of Impostors

Beware of Impostors

Stay alert to fake advisers and verify before you trust.

Financial scams are rising. Some people pose as registered investment advisers to cheat investors out of their savings. Know how to spot them.

Fraudsters misuse the names and reputations of trusted professionals. This page explains how these scams work, how to confirm you are dealing with the real PrudentFP, and how to protect yourself.

Why impersonators are a threat

Fraudsters create fake social media profiles, messaging groups and websites that look like those of real advisers. They make false claims and show fake results to win trust. Once you trust them, they ask for money transfers or offer fake plans that promise high returns. Some even use the names of real SEBI-registered advisers and contact people by email, WhatsApp or Telegram. These scams cause losses to innocent people and damage the reputation of honest advisers.

How these scams work

Fake profiles on WhatsApp, Telegram, Instagram and LinkedIn.
The name and photo of a real SEBI-registered adviser.
Promises of guaranteed or high returns in a short time.
Fake profit screenshots to attract attention.
Requests to transfer money to personal bank accounts or UPI IDs.
Pressure tactics such as “limited-time offer” or “last chance”.

How to identify the real PrudentFP

Suresh Kumar Narula is a SEBI Registered Investment Adviser (Reg. No. INA100001877), providing fee-based, fiduciary financial planning. We do not distribute products. Confirm you are dealing with us:

Our official website is prudentfp.in.
Our official emails are info@prudentfp.in and info@prudentfp.in, and our phone number is +91 98160 02197.
Our services are offered with proper agreements and documentation.
You can verify our registration on the SEBI website.

If a message reaches you from anywhere other than these official channels, it is not from us.

What we will never do

Promise guaranteed or fixed investment returns.
Ask for your banking passwords, login details or OTPs.
Pressure you to invest quickly.
Ask you to pay without a formal agreement. Check any payment details with us by phone before you pay.

Red flags to watch for

Promises of high or guaranteed returns with no risk.
Pressure to invest quickly or miss a “limited offer”.
Use of free email addresses such as Gmail or Yahoo for firm business.
Requests for payment without a formal agreement.
No proper documentation, client onboarding or risk profiling.
Urgent requests for your personal or financial details.

If you notice any of these signs, stop all communication and verify the person’s identity.

How to protect yourself

Always verify an adviser’s SEBI registration number at sebi.gov.in.
Do not invest based on WhatsApp or Telegram messages.
Do not transfer money to individuals offering fast profits.
Ask for documentation before you agree to any financial advice.
Trust only official channels, such as emails from the firm’s domain and its official website.

If you encounter a fraud

Do not engage further with the person.
Take screenshots of the messages or profile as evidence.
Email us at info@prudentfp.in to report the impersonator.
Report it to SEBI through SCORES.
File a complaint with your local cybercrime department.

Your quick action may help prevent others from falling into the same trap.

Our commitment to you

Verify before you trust, do not fall for quick-return promises, use only official channels, and report suspicious activity immediately. Our approach is fee-based and fiduciary, and we do not distribute products. If anything feels suspicious, contact us directly.

Home / Terms and Conditions

Terms and Conditions

These terms apply whenever you use this website. If you do not agree with them, please do not use the site.

1. Terms

By using this website, you agree to these Terms and Conditions of Use and to the laws and regulations that apply. The materials on this site are protected by copyright and trademark law.

2. Use licence

You may temporarily download one copy of the materials on the Prudent Financial Planners site for personal, non-commercial use only. This is a licence to use the materials, not a transfer of ownership. Under this licence you may not:

modify or copy the materials;
use the materials for any commercial purpose or any public display;
try to decompile or reverse engineer any software or material on the site;
remove any copyright or other proprietary notices from the materials; or
transfer the materials to anyone else or mirror them on another server.

Prudent Financial Planners may end this licence at any time if you break any of these restrictions. When the licence ends, or when your viewing ends, you must destroy any downloaded materials you hold in electronic or printed form.

3. Disclaimer

The materials on this site are provided as is. Prudent Financial Planners makes no warranties, express or implied, and disclaims all other warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement of intellectual property or other rights.

Prudent Financial Planners does not warrant or make any representation about the accuracy, likely results or reliability of using the materials on this site, or of any site linked to it.

4. Limitations

Prudent Financial Planners and its suppliers are not liable for any damages arising from the use of, or inability to use, the materials on this site. This includes damages for loss of data or profit and for business interruption, even if Prudent Financial Planners or an authorised representative has been told of the possibility of such damage. Some jurisdictions do not allow limits on implied warranties or on liability for consequential or incidental damages, so these limits may not apply to you.

5. Amendments and errata

The materials on this site may contain technical, typographical or photographic errors. Prudent Financial Planners does not warrant that any material is accurate, complete or current. It may change the materials at any time without notice and does not commit to updating them.

6. Links

Prudent Financial Planners has not reviewed all the sites linked to this website and is not responsible for the content of any linked site. A link does not mean Prudent Financial Planners endorses the site. You use any linked site at your own risk.

7. Changes to these terms

Prudent Financial Planners may update these terms of use at any time without notice. By using this site, you agree to be bound by the version of these Terms and Conditions that is current at that time.

8. Governing law

Any claim relating to the Prudent Financial Planners website is governed by the laws of India, without regard to its conflict of law provisions.

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Home / Why Pay Fee for Financial Advice?

Why Pay Fee for Financial Advice?

Pay for the value of independent advice, not for hidden commissions.

You pay us a fee of just 1%* and get 99% clarity and peace of mind: 100% committed financial success.

Most people avoid paid services because they focus on the fee, not the value. We are used to getting things at a lower price, or free, and we treat fees as an expense rather than an investment in the growth of our wealth.

The cost of free advice

Many people buy products they neither need nor understand, such as endowment, money-back or ULIP policies bought for tax saving or as insurance-cum-investment. On a premium of ₹1 lakh a year, about ₹30,000 can go in commission or allocation charges the moment you sign.

That commission goes to an agent who does not help you meet your long-term goals, and yet a ₹30,000 fee for a financial planner who could change your financial life is called too costly. Free advice can turn out to be very expensive in the long run.

Why PrudentFP

We are SEBI Registered Investment Advisers (RIA) and fiduciaries. We do not distribute products and we are independent, so we think only of your best interests. We can improve your financial life and help you benefit over the long term.

Scan to pay

Suresh Kumar Narula

Scan this QR code with any money app to pay your fee, then let us know once you have paid.

Chat with us Fee Structure →

Disclaimer. We do not promise that your investments will be profitable. Investments are subject to market, currency, economic, political and business risks, and we are not liable for losses from investment decisions. SEBI registration does not guarantee performance or assure returns.

Home / Invest for Goals, Not for Returns

Invest for Goals, Not for Returns

Measure your funds against your own goals, not against the market or your friends.

Your goals set your benchmark, not the Nifty, the Sensex or your friend’s fund.

Many investors worry about low mutual fund returns because they compare their fund directly with the Nifty or Sensex. That comparison often misleads, because every scheme has its own objective and benchmark, set under regulation for the fund manager to beat.

Your fund and its manager do not know your goals, time horizon or risk profile. You need to set your own benchmark, and it differs for every investor.

Set the return your goals need

Suppose you invest ₹5,000 a month for your child’s education. You are advised that a 10% CAGR will reach about ₹50 lakh in 20 years, so 10% becomes your benchmark.

If your fund returns 21% in a year and your friend’s returns 34%, your fund may look weak. In fact you are ahead of your own target. If your fund returns 5% while your friend’s loses 10%, you may feel relieved, but you have fallen short of your 10% target. Either way, look at yourself and your goals first, then at others. Without goals, comparison with others is the only benchmark you have.

SEBI’s re-categorisation of schemes

SEBI’s new categories allow a fund house only one scheme in each category, such as one large-cap fund or one tax-saving fund. Fund houses have renamed, changed or merged schemes to comply. Some schemes moved from multi-cap to large-cap, and others from mid-cap to large-cap.

If you now hold two large-cap funds, you may be overweight in one category and carrying concentrated risk. Review your whole portfolio, risk appetite and return expectations before switching. Standalone decisions can lead to unnecessary tax and hassle. We have started revamping our clients’ portfolios in phases, in line with their risk profiles, time horizons and goals.

Different times give different returns

The figures below date from the time of the original article, when the Sensex had crossed 35,800 at a lifetime high. Large-cap equity funds had returned 10.89% in one year and a 14.23% CAGR over five years. Multi-cap funds returned 10.30% over one year and 18.14% CAGR over five. Mid-cap and small-cap funds returned five-year CAGRs of 23.91% and 30.50%. These are high because the starting point is 2013.

Looking back to the 2008 subprime crisis, large-cap funds averaged a 6.01% CAGR, multi-cap 7.89%, mid-cap 9.52% and small-cap 10.95%. For lump-sum investors in the frothy market of 2000, the Nifty 50 delivered 10.33% CAGR, large-cap funds 12.89%, mid-cap funds 16.3% and multi-cap funds 14.53%. These investors had 17 years to recover from their initial losses.

Most of us invest according to income, cash flow and goals, so we cannot time the market. Time in the market matters more than timing the market.

Lower your expectations

When you invest at a market high, reduce your return expectations. Even for a goal three to five years away, factor in about 11% a year after tax from equity funds, rather than 15% or 20%. With a 10% long-term capital gains tax on equity, planning for a lower return keeps you from falling short. If your funds deliver more, you can cash out early.

At a market high, your portfolio may not deliver positive returns within one to three years. Build a buffer and be ready to extend your holding period by two or three years. If your equity fund is beating its benchmark and has a strong long-term record, do not switch to a newer fund just to lift returns. Ignore one-year performance and look at five- and 10-year rankings. How a fund contained losses in the last bear phase can matter more than its returns in the current rally.

Disclaimer. Return figures are historical and illustrative, and are not a forecast. We do not promise that your investments will be profitable. Investments are subject to market, currency, economic, political and business risks, and we are not liable for losses from investment decisions.

Read the original article

Home / The Secret of Goal-based SIPs

The Secret of Goal-based SIPs

Tie every SIP to a goal, and invest with discipline through every market.

A SIP is the simplest way to invest a fixed sum regularly in an equity fund, whatever the market is doing.

Over the long term, a SIP gives you compounding and rupee cost averaging. You buy more units when markets are down and fewer when they are up, so your average cost can be lower than if you had tried to time the market.

Many investors stop investing when markets fall and invest more when they rise, which can backfire. A SIP removes both habits. It is not a magic tool and does not guarantee superior returns. The choice of fund and regular review of its performance matter, because a SIP in an underperforming fund will not give good returns.

Rupee cost averaging

Each SIP instalment buys units at the NAV of the day, so you invest across all market phases. Suppose you invest ₹10,000 a month at NAVs of ₹100, 150, 50, 100 and 200. You buy 100, 66.66, 200, 100 and 50 units. Your total investment of ₹50,000 buys 516.66 units, an average cost of ₹96.77, which is below four of the five NAVs.

In a steadily rising market, a SIP can raise your average cost. Markets are mostly volatile, so spreading your investment lets you benefit from frequent lows. A SIP also automates investing and separates it from your sentiment.

SIP for your children’s future

List long-term goals such as higher education and marriage, then estimate each one in today’s rupees and inflate it. If education costs ₹10 lakh today and costs rise 10% a year, you will need ₹25.94 lakh in 10 years. With the target known, you can start a monthly SIP to build that corpus, or ask a financial planner for help.

SIP for retirement

Retirement can last 30 to 40 years, and regular income stops. The best time to start saving is when you start working. As an illustration, a monthly SIP of ₹10,000 from age 23, raised by 10% every year and earning 12% a year, grows to about ₹23 crore at 60. This comes from compounding and discipline, and the assumed return is not guaranteed.

SIP for buying a house

The main challenge is the down payment. A house worth ₹1 crore may need ₹20 lakh upfront. Saving ₹20,000 a month in a sweep-in fixed deposit at 6.5% takes 6.65 years to reach ₹20 lakh. A SIP in a good equity fund returning 12% a year could take 5.76 years. These figures are illustrations, and a longer horizon may let you avoid a loan.

SIP for a vacation

A vacation fund through a monthly SIP makes sense after you have funded retirement and goals such as your children’s education and marriage. As your income grows, raise the SIP amount.

The secret lies here

Start early and you can build substantial wealth with smaller sums. If you start late, invest a higher amount systematically and move your existing investments into equity. To reach ₹1 crore by 60 at 12% a year, a SIP of ₹1,540 a month from age 25 is enough. Starting at 40 needs ₹10,009 a month.

Keep a long-term horizon with equity. It is volatile in the short term, so do not panic when markets fall. Raise your SIP each year as your pay rises.

For the second leg, list all your investments and review each one. Hold term insurance only, and surrender unit-linked and endowment policies, which give neither good returns nor enough cover. Cut your PPF contribution to the minimum that keeps the account active, and use a tax-saving mutual fund instead. Consider selling investment property and moving the money to equity funds. Park it first in a debt fund from the same fund house, then transfer it in systematically, not as a lump sum.

Disclaimer. Figures are illustrations based on assumed returns. We do not promise that your investments will be profitable. Investments are subject to market, currency, economic, political and business risks, and we are not liable for losses from investment decisions.

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Home / Simplify Your Financial Life

Simplify Your Financial Life

Simple choices lead to better investment decisions and help you reach your goals.

Simple solutions exist for organising your finances, yet we tend to choose complexity. We say we want simplicity, but we assume an important problem needs a complex answer. Simplicity is the ultimate sophistication: it is both beautiful and functional.

Many clients are disappointed when we recommend plain, simple products. They want something thrilling that delivers fast results, and they keep asking what is new in the market. But wealth is built through discipline, and you do not need to do anything extraordinary to win financially. You need to follow a few basic rules of personal finance. Here they are.

Simplicity is the key driver to get peace of mind

We firmly believe that keeping things simple is the key to making the right investment decisions. Simplicity is not a useful characteristic, it is absolutely mandatory. If you do not fully understand about any financial product or service, then you are stepping towards in a dark future, regardless of how good it may otherwise appear or even actually be. And such understanding cannot come with complex products.

Everything is simple enough to understand and simple enough to track. You will have a clear idea of what did well and what didn’t. The investments that do well will have a large and clear impact on your investments, and the ones that don’t will be easy to single out. The more complex your investments are, the more difficult this is. Simple ideas are best, simply because when they succeed, the reasons are obvious. And when they fail, the reasons are obvious too.

Read the original article See the Comprehensive Financial Plan →

Home / About / Investor Charter

Investor Charter

In respect of Investment Adviser

Empower your financial journey, aligned with the SEBI initiative, with the services and support you can expect from us.

A. Vision and mission statements for investors

Vision

Invest with knowledge and safety.

Mission

Every investor should be able to invest in the right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.

B. Details of business transacted by the Investment Adviser with respect to investors

To enter into an agreement with the client providing all details, including fee details, conflict of interest disclosure and maintenance of confidentiality of information.
To do a proper and unbiased risk profiling and suitability assessment of the client.
To obtain registration with the KYC Registration Agency (KRA) and the Central KYC Registry (CKYC).
To conduct an audit annually.
To disclose the status of complaints on its website.
To disclose on its website the name, proprietor name, type of registration, registration number, validity, complete address with telephone numbers and associated SEBI regional/local office details.
To employ only qualified and certified employees.
To deal with clients only from an official number.
To maintain records of interactions with all clients, including prospective clients (prior to onboarding), where any conversation related to advice has taken place.

C. Details of services provided to investors (no indicative timelines)

Onboarding of clients

Sharing a copy of the agreement
Completing KYC of clients

Disclosure to clients

To provide full disclosure about its business, affiliations and compensation in the agreement.
To not access the client’s accounts or holdings for offering advice.
To disclose the risk profile to the client.
To provide investment advice to the client based on the client’s risk profile and suitability.

D. Details of grievance redressal mechanism and how to access it

In case of any grievance or complaint, an investor should approach the concerned Investment Adviser, who shall ensure that the grievance is resolved within 30 days.

If the investor’s complaint is not redressed satisfactorily, the investor may lodge a complaint with SEBI on SEBI’s SCORES portal, a centralised web-based complaints redressal system. SEBI takes up complaints registered via SCORES with the concerned intermediary for timely redressal, and SCORES lets you track the status of the complaint.

For physical complaints, investors may write to: Office of Investor Assistance and Education, Securities and Exchange Board of India, SEBI Bhavan, Plot No. C4-A, ‘G’ Block, Bandra-Kurla Complex, Bandra (E), Mumbai – 400 051.

E. Expectations from investors (responsibilities of investors)

Do’s

Always deal with SEBI registered Investment Advisers.
Ensure that the Investment Adviser has a valid registration certificate.
Check the SEBI registration number. The list of all SEBI registered Investment Advisers is available on the SEBI website.
Pay only advisory fees to your Investment Adviser. Make payments of advisory fees through banking channels only and keep duly signed receipts stating the details of your payments.
Always ask for your risk profiling before accepting investment advice. Insist that the Investment Adviser advises strictly on the basis of your risk profiling and takes available investment alternatives into account.
Ask all relevant questions and clear your doubts with your Investment Adviser before acting on advice.
Assess the risk–return profile of the investment, as well as its liquidity and safety, before investing.
Insist on getting the terms and conditions in writing, duly signed and stamped. Read them carefully, particularly regarding advisory fees, advisory plans and category of recommendations, before dealing with any Investment Adviser.
Be vigilant in your transactions.
Approach the appropriate authorities for redressal of your doubts or grievances.
Inform SEBI about Investment Advisers offering assured or guaranteed returns.

Don’ts

Don’t fall for stock tips offered under the pretext of investment advice.
Do not provide funds for investment to the Investment Adviser.
Don’t fall for promises of indicative, exorbitant or assured returns by Investment Advisers. Don’t let greed overcome rational investment decisions.
Don’t fall prey to luring advertisements or market rumours.
Avoid transacting only on the basis of phone calls or messages from any Investment Adviser or its representatives.
Don’t take decisions just because of repeated messages and calls by Investment Advisers.
Do not fall prey to limited-period discounts or other incentives, gifts, etc. offered by Investment Advisers.
Don’t rush into investments that do not match your risk appetite and investment goals.
Do not share the login credentials and password of your trading and demat accounts with the Investment Adviser.

Home / Grievance Redressal

Grievance Redressal

Contact for complaints and grievances

We want to hear your concerns and resolve them to your satisfaction.

We aim to offer top-notch services. If you have any complaint about our services, we would like to hear it and resolve it to your satisfaction.

Contact for complaints and grievances

Mr. Suresh Narula, Principal Officer, Prudent Financial Planners. Prudent Financial Planners is an individual Registered Investment Adviser (RIA) with SEBI Reg. No. INA100001877.

info@prudentfp.in | info@prudentfp.in

Telephone

+91 98160 02197

Address

# 1397, Top Floor, Sector 25, Panchkula, Haryana – 134116

SEBI contact details

Address

SEBI, Investment Management Division, SEBI Bhavan, C4-A, G Block, Bandra Kurla Complex, Bandra East, Mumbai – 400 051

sebi@sebi.gov.in

Telephone

2644 9000 / 4045 9000

If your problem remains unresolved after approaching us, you may also use the SEBI Complaints Redressal System (SCORES).

Learn more

For more on SEBI and the Investment Adviser Regulations 2013: SEBI · SEBI Investment Adviser Regulation · RIA Amendment Circular

Home / About / Complaint Status

Complaint Status

Annexure-B

We believe in complete transparency. Here is the detailed record of any complaints against us, updated monthly.

SEBI, through its circular SEBI/HO/IMD/DF1/CIR/P/2019/169 dated 31st December 2024, has directed all those registered under the IA Regulations 2013 to display their complaint status on their website.

SEBI, through its further circular SEBI/HO/IMD/IMD-II CIS/P/CIR/2 dated 13th December 2021, has directed IAs to publish the Investor Charter and disclosures of investor complaints.

Accordingly, we display the same below and update it on a monthly basis.

Complaints data for the month: October 2026

Sr. No.	Received from	Pending at the end of last month	Received	Resolved*	Total Pending#	Pending complaints > 3 months	Average Resolution time^ (in days)
1.	Directly from Investors	0	0	0	0	0	0
2.	SEBI (SCORES)	0	0	0	0	0	0
3.	Other Sources (if any)	0	0	0	0	0	0
	Grand Total	0	0	0	0	0	0

^ Average Resolution time is the sum total of time taken to resolve each complaint in days, in the current month, divided by the total number of complaints resolved in the current month.

Trend of monthly disposal of complaints

Sr. No.	Month	Carried forward from previous month	Received	Resolved*	Pending#
1.	September, 2025	0	0	0	0
2.	October, 2025	0	0	0	0
3.	November, 2025	0	0	0	0
4.	December, 2025	0	0	0	0
5.	January, 2026	0	0	0	0
6.	February, 2026	0	0	0	0
7.	March, 2026	0	0	0	0
8.	April, 2026	0	0	0	0
9.	May, 2026	0	0	0	0
10.	June, 2026	0	0	0	0
11.	July, 2026	0	0	0	0
12.	August, 2026	0	0	0	0
13.	September, 2026	0	0	0	0
14.	October, 2026	0	0	0	0

*Inclusive of complaints of previous months resolved in the current month. #Inclusive of complaints pending as on the last day of the month.

Trend of annual disposal of complaints

Sr. No.	Year	Carried forward from previous year	Received	Resolved*	Pending#
1.	2019-20	0	0	0	0
2.	2020-21	0	0	0	0
3.	2021-22	0	0	0	0
4.	2022-23	0	0	0	0
5.	2023-24	0	0	0	0
6.	2024-25	0	0	0	0
7.	2025-26	0	0	0	0

*Inclusive of complaints of previous years resolved in the current year. #Inclusive of complaints pending as on the last day of the year.

Source: SEBI SCORES

Annual compliance audit

Disclosure of compliance with the annual compliance audit requirement under Regulation 19(3) of the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013, for the last and current financial year:

Sr. No.	Financial Year	Compliance Audit Status	Remarks, if any
1	FY 2020-21	Conducted	–
2	FY 2021-22	Conducted	–
3	FY 2022-23	Conducted	–
4	FY 2023-24	Conducted	–
5	FY 2024-25	Conducted	–
6	FY 2025-26	Conducted	–

Contact for complaints and grievances

Mr. Suresh Narula, Principal Officer, Prudent Financial Planners. Prudent Financial Planners is an individual Registered Investment Adviser (RIA) with SEBI Reg. No. INA100001877.

info@prudentfp.in

+91 98160 02197

# 1397, Top Floor, Sector 25, Panchkula, Haryana – 134116

SEBI contact details: SEBI, Investment Management Division, SEBI Bhavan, C4-A, G Block, Bandra Kurla Complex, Bandra East, Mumbai – 400 051. Email: sebi@sebi.gov.in; Tel: 2644 9000 / 4045 9000

If your problem remains unresolved after approaching us, you may also use the SEBI Complaints Redressal System (SCORES).

For more on SEBI and the Investment Adviser Regulations 2013: SEBI · SEBI Investment Adviser Regulation · RIA Amendment Circular

We aim to offer top-notch services. If you have any complaint about our services, we would like to hear it and resolve it to your satisfaction.

Home / About / Our Philosophy

Our Philosophy

Ethics & integrity in every engagement

Ethics and integrity guide every engagement. We put your interests first, advise independently, and explain every recommendation.

At PrudentFP, you have rights over the services we provide and over the products we recommend.

Ethics and integrity guide how we work with you, and they shape each of the principles below.

Honesty, competency and ethical conduct

Honesty means more than a truthful answer. It means being open and forthright with you. We keep our skills and knowledge current, and you are welcome to ask how we do that. We share all the information that affects your financial decisions, along with the reasoning behind every decision made on your behalf.

Independent and objective advice

Our advice rests on informed analysis, prudent judgement and diligent effort, always in the context of your situation, needs and goals. Every recommendation is holistic, and we explain why it suits you. We ask that you engage with us to understand the reasoning, and we will share updates in whichever form you prefer, whether electronic, written or verbal.

Integrity, professionalism and your best interests

We put your interests ahead of our own and act as a fiduciary, following professional codes of conduct and all applicable rules. We sit on your side of the table. That is how we earn your trust, and it is the basis of a long-term, win-win relationship.

Fair treatment

Fairness starts with disclosing the capacity in which we advise you. It does not mean treating every client the same. Each client has different objectives and risk tolerance, so portfolios differ, and so do their results in rising and falling markets. That reflects individual advice, not unequal treatment.

Disclosure of conflicts of interest

Our advice is based solely on your benefit, circumstances and goals, never on our personal interests. You can always ask us how we are paid, whether by commission, brokerage or a flat fee, because the way an adviser is compensated can influence the advice. High embedded commissions can steer recommendations towards less suitable products. Any conflict of interest should be disclosed in the documents we share with you.

Investment rationale and philosophy

We base decisions on facts and figures that directly concern your finances, needs and goals, and you may ask for the rationale behind each one. We aim to give you an Investment Policy Statement that sets out our investment philosophy, policies, guidelines and constraints, so the relationship stays clear and transparent.

Clarity on charges

You are entitled to a detailed explanation of our services, our professional fee and the charges on any products we suggest. We provide a brochure explaining the fee, and we make sure you understand the schedule and how often it is charged. Similar work attracts a similar fee for every client.

Data integrity and confidentiality

Your personal and financial information is private. Only we and the staff directly involved in your advice or reporting can access it, and we use it only for its intended purpose. We disclose it to others only if the law or a regulator with lawful jurisdiction requires it.

Appropriate and complete records

We document the advice we give and the plan we make, and share it with you as appropriate. The record covers the information you provided, the work behind our advice, the products suggested and why. It supports compliance, and it helps any future adviser understand the thinking behind your portfolio when it is reviewed.

Sources: CFA Institute User’s Guide, FPSB Code of Ethics and Professional Responsibilities, and PrudentFP’s own philosophy.

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Home / Meet Your Adviser

Suresh Kumar Narula

FOUNDER & PRINCIPAL FINANCIAL PLANNER AT PRUDENTFP

He is a Certified Financial Planner, SEBI Registered Investment Adviser, Tax and GST Practitioner. He founded PrudentFP to give families fee-based , unbiased financial planning with simplified solutions.

PrudentFP is a Panchkula (Chandigarh) based financial planning and tax advisory firm that works with families and individuals on a fee-only basis.

We were founded by Suresh Kumar Narula, a SEBI Registered Investment Adviser and GST Practitioner. Since 2011 we have helped clients across India and abroad with detailed, holistic planning, tax and GST advice, supported by technology. Clients trust us for our competence, the quality of our advice, and our integrity.

How it began

Suresh has worked on an advisory model since he entered financial services in 2004. Starting in insurance, he gathered basic information from each client, analysed it and recommended what to do. Clients valued this approach, and its early success encouraged him to build on it.

The Certified Financial Planner (CFP) programme gave him the knowledge and skills for a professional planning practice. He enrolled at once and began practising while still halfway through the course. PrudentFP was born then, and he completed the CFP certification in 2011.

Why financial planning

We see financial planning as a noble profession, much like medicine. Many people earn well yet manage their money poorly. Avoidable mistakes set them back by years and leave them worried about the future.

We start with your situation and goals. We look at your family, risk profile, working years, when each goal falls due, liquidity and tenure needs, and tax. From this we build the right asset allocation, a complete overhaul of your existing portfolio, and the insurance your family needs. You are consulted throughout, and the result is a plan made for you: a blueprint to follow towards financial freedom.

Our journey so far

We were among the first in North India to offer financial planning and advisory services, so we had little to copy and learned by experimenting. We listened to our clients, learned their pain points and built solutions around them. Our Comprehensive Planning & Advisory engagement came out of this journey.

Get clarity and peace of mind about your future.

About Suresh

Suresh Narula, founder of PrudentFP, is a SEBI Registered Investment Adviser and a GST Practitioner.

He holds an M.Com, a Master of Finance & Control (MFC) and the CFP^® certification. As an RIA he charges fees only to clients and takes no commissions, incentives or brokerage from product distribution.

The regulation also requires strict compliance, year-end process audits, higher standards of education, experience and certification, fiduciary responsibility to clients, and sound processes for risk alignment and product suitability.

Roles and writing

Suresh is an advisory member and treasurer of the board of FPGI, the Financial Planners’ Guild India, an association of fee-only RIAs that promotes financial planning awareness. He is also a founding member of the Association of Registered Investment Advisers (ARIA), formed in 2019.

He has written hundreds of articles on finance for publications such as Dainik Bhaskar and Business Bhaskar, and for blogs including fpgindia.org and sureshcfp.com.

Corporate trainer

He has run full-day workshops on “Financial Planning Tools for selling” for LIC managers and agents in Amritsar, Jalandhar, Ludhiana, Chandigarh, Shimla and the Karnal Division.

“We take an opportunity to thank you for the support extended for executing corporate training mandate(s) in your geographies. Without your support we would have not been able to serve the contract so smoothly.” Vishal Gada, Executive Director, Ambition Learning Solutions

How we work

We work from our office in Panchkula, Haryana, and serve clients across India, including Chandigarh, Mohali, Delhi, Mumbai, Jammu, Jaipur, Bengaluru and Kolkata, as well as smaller towns. We also serve NRIs in countries such as Saudi Arabia, Abu Dhabi, Omam, the United States, Malaysia, Kuwait and South Africa etc. Technology lets us give every client an experience close to meeting face to face.

Whom we serve best

Salaried people and professionals are our focus, and we can serve them across their entire lifecycle. Ethics and integrity are our two cornerstone principles, and we look for long-term, win-win relationships.

Get Clarity & Peace of Mind

Leave financial stress behind. We provide clear, tailored and actionable advice, helping you navigate your financial path with confidence and ease.

Get In Touch+91 98160 02197 · info@prudentfp.in

Home / Planning / Ongoing Advisory

Ongoing Financial Advisory

Your plan, kept on track

Regular reviews, implementation support and advice from a fee-only fiduciary.

A financial plan is the start of the journey. Ongoing advisory keeps you on the road.

Some clients are happy to carry out the plan on their own, and our engagement ends once the plan is delivered. Many others want continued advice along with help to implement, manage and report on their investments.

Under the ongoing engagement, we hold regular client sessions, plan and portfolio reviews and financial consultations. If your situation changes, we update the plan or recreate it completely as part of the same engagement.

Implementation is where many plans fail. Short of time or experience, clients often act on only part of the advice, or act wrongly. Our implementation partners onboard you on an online platform and provide reporting and back-office support.

Monetary benefits

Advisory wealth effect

Savings rarely reach their full potential without a capable advisor. At the least, an advisor brings discipline and regularity to investing, reviews the portfolio and replaces funds that underperform.

Lower costs with direct mutual fund plans

Direct plans can cost less than regular plans, by about 0.8% to 1% a year at portfolio level. On a ₹1 crore portfolio, that is ₹80,000 to ₹1 lakh.

Cheaper insurance

We suggest online term plans for life cover and online health plans for hospitalisation. These can cost 15% to 35% less than offline policies sold through agents. On a ₹1 lakh premium, that is ₹15,000 to ₹35,000 a year.

Complimentary income tax return

On every renewal of the ongoing engagement, we e-file the annual return for you and your spouse. Separately, this typically costs ₹1,200 to ₹4,000 a year.

Tax efficiency

We place new and existing investments where they fit your portfolio and are tax efficient, considering risk, reward, tenure and taxation.

Efficient money management

Money for each goal and upcoming need goes into the right assets after weighing risk, liquidity, taxation and tenure. Even liquidity and contingency funds are placed in suitable vehicles.

Non-monetary benefits

Conflict-free advice

We are fee-only fiduciaries. We sell no products and earn no commissions, so our advice is always in your interest.

A streamlined, aligned portfolio

We review your portfolio every six months to keep it aligned with your life needs, and we suggest corrections whenever the market calls for them.

Avoiding big mistakes

Wrong insurance, PMS, structured products, chit funds or unsuitable mutual fund schemes can drain large sums. With us, you can spot and avoid them.

Better decisions

We help you decide on loans, insurance, a home purchase, children’s foreign education and how to fund it, and choose the right product in each area at optimal cost.

A sounding board

You have someone to turn to on money matters, for sound and aligned advice that gives you clarity and peace of mind.

The gift of time

Implementing on your own takes time during working hours, and often ends in delay or partial action. Our operations team carries out many of the suggestions for you.

Many services in one

Plan creation, review, recast, portfolio review, implementation and consultations are all included, so you do not pay for each separately.

A variable fee

Our fee depends on the services you choose, the work involved and the level of engagement. It is based on Assets under Advice (AUA), so it varies with the assets we advise on. This ties our compensation to our responsibility for your finances.

As SEBI-registered Investment Advisers, we may charge up to 2.5% of AUA a year under the SEBI Investment Advisers Regulations. We do not distribute products and we are independent.

We are fee-only advisors. We work in your best interests, always.

Visit at sureshcfp.com See the Comprehensive Financial Plan →

Home / Mutual Fund Portfolio / Portfolio Review

Mutual Fund Portfolio Review

Portfolio review at ₹4,999*

An unbiased review that removes overlap, cuts hidden costs and aligns your funds with your goals.

Many investors do not have a portfolio. They have a collection of funds.

Over time, a fund bought here and another added there leaves a scattered mix. You may be carrying heavy overlap, funds that lag their benchmark, and an asset allocation that no longer fits your goals.

Our one-time Mutual Fund Portfolio Review is carried out by a SEBI Registered Investment Adviser. You get a clear view of your holdings, their hidden risks, and an actionable plan to align your money with your long-term goals.

Before and after

A scattered portfolio

A focused portfolio

Many small, scattered schemes

A smaller set of well-chosen funds

Unintended overlap in the same stocks

Clean, diversified exposure

Underperforming, higher-cost plans

Lower-cost, better-fitting funds

High risk for an average return

More return for each unit of risk

Who this review suits

Investors who hold many funds and are unsure whether they all earn their place
Anyone who has built a portfolio over the years without a clear goal for each fund
People paying regular-plan or broker costs who want to know what that costs them
Investors who want an independent view before they sell, switch or add funds
Families who want one clear picture of their combined mutual fund holdings

How it works

Book and share your holdings

Book a consultation and send your latest mutual fund statement, such as a consolidated account statement, so we see all your funds in one place.

Analysis

We study your holdings and their history, and compare each scheme with its category benchmark.

One-to-one discussion

We walk through the findings together, explain the numbers in plain language and agree what to do about weak areas.

Written report

You receive a detailed report covering risk, structure, overlap, costs and taxes, with specific actions for each scheme.

What you get

Expert review

A SEBI Registered Investment Adviser studies your current and past holdings in depth.

One-to-one discussion

A dedicated session to walk through your data, explain the key numbers and decide how to fix weak areas.

Detailed written report

A customised report covering every part of your portfolio.

What the report covers

Risk and performance

Growth set against past falls, to show how your money handles market shocks. Each scheme is compared with its category benchmark, so schemes that beat it clearly and chronic laggards both stand out.

Structure and overlap

Your split across equity, debt and multi-asset funds, checked against your goals and risk profile. We also look for the same stocks held in several funds, so you can cut redundancy and the drag of over-diversification.

Costs and taxes

The cost of your platform and plan type, direct or regular, and what it does to your returns. You also get a clear view of short-term and long-term capital gains tax, exit loads and lock-in dates before you change anything, so you do not sell at the wrong time.

What we need from you

Your latest consolidated mutual fund statement (all folios)
Your goals and time horizon, such as retirement, a child’s education or a house
A short note on how much risk you are comfortable with
Details of any funds held outside your main statement, if any

After the review

You decide what to do. We can help you carry out the changes, or you can act on the report yourself. If you want ongoing help, the review can lead into our Mutual Fund Portfolio service, which reviews your funds regularly against your goals.

Fee

The one-time Mutual Fund Portfolio Review is ₹4,999*. It includes the expert review, the one-to-one discussion and the detailed written report.

* 18% GST excluded.

Why choose this review

Unbiased

As a SEBI Registered Investment Adviser, our review looks only at what suits your finances.

Clear actions

We show exactly which schemes need action or merging, not just numbers.

Clarity over clutter

A long list of schemes becomes a short, focused set that is easier to track.

Disclaimer. We do not promise that your investments will be profitable. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from NISM do not guarantee performance or assure returns.

Book Portfolio Review – ₹4,999*Pay now

Home / Invest Mutual Fund Online

Invest Mutual Fund Online

One account, every fund

Invest, track and manage all your mutual funds online, from anywhere in the world.

Wouldn't it be convenient to hold all your mutual funds in one account? It is possible through us.

Many investors hold a mix of ELSS, equity and debt funds from five or six fund houses, bought through agents or distributors. Each fund house needs its own forms and its own online login, so tracking the paperwork becomes a chore.

We offer a non-discretionary, fully online mutual fund service. You work closely with us, and you can access your investments from any part of the world.

Choose how you invest

SEBI permits two forms of intermediation, distribution and investment advice, so you can choose the PrudentFP experience that suits you.

Advisory (Direct Plans). We sign a contract with you to advise on and maintain your mutual funds under Direct Plans only. Our investment advisory fee is 1% a year of average Assets under Advice (AUA), payable monthly, or any other fee we agree in a separate advisory agreement.

Distribution (Regular Plans). We invest in Regular Plans only, and we earn a small commission from the fund houses, regulated and capped by SEBI. You pay no separate fee and no hidden charges.

Your portfolio, built around your goals

We review any mutual fund portfolio you already hold, then design a customised portfolio around your goals and risk profile. The plan sets out the schemes, the recommended amount and mode of investment, and the performance history of each fund.

A seamless online portal powered by NSE

You invest through NSE Invest, the stock exchange's own platform, which needs no demat account. It is used for Regular Plan transactions only. We act on your request and with your written consent, and we monitor and periodically review your portfolio at your request.

Wealth Elite: your wealth in one view

Through Wealth Elite, on desktop and mobile app, you can buy, start SIPs and switch between funds yourself, using a separate login from your advisor. You also get one consolidated view of your investments.

It is free for PrudentFP clients who invest in Regular Plans. Your mutual fund investments are tracked automatically, and you can add bank FDs, insurance, P2P, shares, post office schemes, PPF/EPF, real estate and loans against mutual funds manually to see your complete picture under one login.

Disclaimer. The transaction portal is run by NSE (National Stock Exchange). PrudentFP is not responsible if a transaction fails, though this is unlikely, and you can contact us for help. We do not promise that your investments will be profitable. Investments are subject to market, currency, economic, political and business risks, and we are not liable for losses from investment decisions. Registration granted by SEBI, membership of BASL and certification from NISM do not guarantee performance or assure returns.

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Home / Wealth Elite Desk / Login

Welcome to Your Wealth Elite Desk

Sign-in is handled securely by the Wealth Elite server at wealthelite.in.

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About the Wealth Elite Desk

Free for our paid Financial Planning clients and for clients who invest in mutual funds through PrudentFP. Track equities, mutual funds, deposits, PPF/EPF, postal schemes, gold and insurance in one place, valued in real time.

Track your goals online. See the gap between your corpus and each goal, and how much monthly SIP and investment you need to close it.

Need cash? Get a loan against your mutual funds online, without redeeming them, so your investments stay invested and keep growing.

See all features →

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Your portfolio, plan and goals on your phone.

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Wealth Elite Desk

All your investments on one platform

Track, analyse and transact across asset classes from one login, on web and mobile.

An easy-to-use tool to track your investments, valued in real time, for a 360-degree view of how they perform.

Wealth Elite is free for our paid Financial Planning clients and for clients who invest in mutual funds through PrudentFP. It covers equities, mutual funds, fixed deposits, PPF/EPF, postal schemes, gold and life and health insurance policies.

Track and analyse

Dashboard

Three-month portfolio trends, plus your family’s current valuation, member and asset allocation, goal allocation, cash flow, SIPs and upcoming events.

Family or individual access

Manual entries

Add, edit or delete transactions in any product except mutual funds, to keep a single, accurate view of your net worth.

Portfolio analysis

Equity holdings, sector exposure, debt paper quality, fund-type charts, goal allocation, member-wise exposure, SIPs, capital gains and What If scenarios in a few clicks.

Gains and losses

Realised and unrealised returns, with booked gains and losses split into long term and short term, useful when you file your tax return.

Auto update

Mutual fund transactions made through PrudentFP update automatically at day end, with the latest NAVs from CAMS and Kfintech. NPS benefits update too.

Plan and track goals

Financial plan online

Your plan blueprint on the desk and the mobile app, with insurance need analysis, post-retirement cash flow, goal report, asset allocation, net worth and solvency ratio.

Goal tracker

For paid planning clients. Map investments to goals such as education, marriage or retirement, see the corpus gap, plan SIPs, and compare required and current return through Goal GPS.

Research tools

Fund factsheets, SIP, STP and SWP calculators, human life value, EMI, FD, child education and marriage, retirement, income tax and SIP delay cost calculators, dividend history and NAV watch.

Video KYC

Instant KYC from anywhere in the world through an invitation link.

Invest online

Online ATM

Park idle bank money in a liquid fund and withdraw up to ₹50,000 or 90% of the invested amount to your bank account within 30 minutes.

Peer-to-peer lending

Lend directly through the LenDenClub platform, a non-market-linked option that may offer better returns than bank FDs, with borrower underwriting and KYC checks by the platform.

Loan against mutual funds

Get an instant online loan against your portfolio without redeeming funds, so you avoid tax and keep your returns.

National Pension Scheme

Subscribe and contribute online on the desk or the mobile app.

IPOs

Apply for upcoming equity IPOs in the primary market directly from the desk.

Why diversify

Broadening your investments across asset classes serves more of your needs and widens your sources of return. Wealth Elite lets you offer and manage all of them through one platform.

Disclaimer. We do not promise that your investments will be profitable. Investments are subject to domestic and global market, currency, economic, geopolitical and business risks, and we are not liable for losses from investment decisions. Registration granted by SEBI, membership of BASL and certification from NISM do not guarantee performance or assure returns. P2P risks: there is a risk of borrower fraud or credit default. If a borrower does not repay, the platform follows RBI guidelines to recover funds, through digital follow-ups, meetings and legal recovery, and may charge you a facilitation, collection and recovery fee on default.

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Frequently Asked Questions

Answers to the questions we hear most.

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Client Reviews

We thank all our clients who have kept us in business. Many have been with us for over a decade. Here is what some of them, and some fellow financial planners, have said about us.

We Have Been Transforming Financial Lives of our Clients

Not only our clients, stalwart financial planners also recommend us.

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Home / Loan Against Mutual Fund

Loan Against Mutual Fund

Get funds without selling your investments

Borrow against your mutual fund units and keep your portfolio growing.

Whether it is a holiday, a business venture or an unexpected expense, a loan against mutual funds gives you cash without selling your investments.

You pledge your mutual fund units as collateral and borrow against their value, while your investments stay intact. The loan amount depends on the value of the units pledged, and the interest rate is generally lower than on unsecured loans.

Benefits

Keep your investments growing

You avoid selling prematurely, so you continue to benefit from potential capital appreciation and compounding on your holdings while you meet your financial needs.

Quick and convenient

Our online process makes application and approval simple. It is generally faster than a traditional loan, because the lender already holds the units as collateral.

Lower interest rates

The range rate of interest is from 8.99% to 10.50%, even with a low CIBIL score, which is lower than most unsecured loans. Collateral reduces the lender’s risk, so terms are more favourable.

Flexible repayment

Choose regular monthly instalments or a single bullet payment at the end of the tenure, to suit your finances and goals.

No tax on the loan

Redeeming mutual funds can attract long-term or short-term capital gains tax on your gains. Borrowing against your funds does not, because a loan is not a sale.

Interest Calculator

Estimate the interest on a loan against your mutual funds. Interest is charged daily on the amount you use.

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This is an estimate only. Your actual rate, loan limit and charges depend on the lender, the funds you pledge and their value on the day.

Conclusion

A loan against mutual funds is an effective way to get liquidity without selling your investments. It offers flexibility, lower interest rates and quick access to funds, which makes it an attractive alternative to traditional loans. Borrowers should consider the risks, including market volatility and its impact on their investments.

Free Eligibility Check30s

Check your investors LAMF eligibility within a minute

Check Eligibility

Disclaimer. We do not promise that your investments and any loan will be profitable. Investments and loans are subject to market, currency, economic, political and business risks, and we are not liable for losses from investment and loan decisions.

Home / Loan Against Mutual Fund / FAQs

Frequently Asked Questions

Loan against mutual funds

Straight answers on limits, rates, pledging and repayment.

Borrow against your mutual funds without selling them. Here is what most people ask before they start.

What are the eligibility criteria for a loan against mutual funds?

You must be a resident Indian aged 18 to 70 with an eligible limit of at least ₹10,000 against your funds. No minimum credit score, CIBIL check or income proof is needed, because your units secure the loan. Debt funds and ELSS funds held for over 3 years are eligible, and so are joint holdings.

How do I check my credit limit?

Enter the mobile number and PAN linked to your mutual funds and verify the OTP. Your maximum limit appears in about 15 seconds. It is a soft check and does not affect your CIBIL score.

Do I need to upload my CAS to get my limit?

No. Your eligible portfolio is fetched digitally. You enter your PAN, verify an OTP, and see the limit available against your holdings. No document is uploaded.

Which mutual fund schemes are eligible?

Thousands of approved schemes from major fund houses qualify. ELSS funds become eligible only after their 3-year lock-in ends. You can confirm your own funds instantly during the free eligibility check.

Can I choose which units to pledge?

Yes. You decide which units to pledge and how much of your portfolio to place against the loan. You can add more units at any time.

What are the interest rate and other charges?

The rate starts at 10.49% a year, depending on your profile. A one-time processing fee applies and varies with the loan amount and state stamp duty. There are no foreclosure charges or prepayment penalty, and you pay interest only on what you use.

Do I pay interest on the full credit limit?

No. Interest applies only to the amount you withdraw and only for the days you use it, calculated daily on your outstanding balance. An unused limit costs nothing.

Can I choose my own repayment date?

You have full flexibility on the principal. Repay any amount, at any time, with no foreclosure charges. Interest is debited on fixed mandate dates each month.

What documents are required?

None to upload. The journey is fully digital. You need your PAN, a mobile number linked to your Aadhaar and your bank details for the repayment mandate. There is no paperwork, branch visit or physical signature.

What is lien marking or pledging of mutual funds?

A lien places a hold on your units in the lender’s favour, so they cannot be redeemed until the loan is cleared. The units stay invested in your name and keep earning returns. The process is digital and happens in real time.

When will my funds be unpledged?

You can ask for units to be released at any time, free of charge, and the lien is removed instantly. You can release specific units or the whole pledged portfolio, subject to your outstanding loan. Repaying the loan does not release units automatically, so you can keep drawing within your limit.

How do I update my mobile number or email in my CAS?

Update your contact details through MFCentral. Sign up, raise a service request to change your registered mobile number or email, and the change is usually processed within 1 to 2 business days.

What is a loan against securities?

It lets you borrow against financial assets such as mutual funds and shares while staying invested. A loan against mutual funds is the most common form. You pledge your units, keep earning returns and pay interest only on the amount you use.

Can I take a loan against mutual funds without selling them?

Yes. Your units are lien-marked digitally and stay invested, so they keep earning returns. You avoid capital gains tax and exit loads that a sale would trigger. Only redemption is blocked while the units are pledged.

How do I get a loan against mutual funds?

Five digital steps. Check your eligibility with your PAN and mobile number. Complete OTP-based KYC and add your bank account. Pledge your units. Accept the loan agreement. Withdraw the money. The account usually opens in under 10 minutes.

How is it different from a personal loan?

A loan against mutual funds is usually far cheaper. Rates start at 10.49% a year against 14% to 30% for personal loans, interest is charged only on what you use, and early repayment is free. Borrowing ₹2,00,000 for 3 months at 10.49% costs about ₹5,245 in interest, against about ₹9,000 at 18%.

Is a loan against mutual funds a good idea?

It is a low-cost way to raise money without breaking your investments. Your units keep growing and you pay only for what you use. There are risks. If markets fall sharply, the lender may ask you to add units, and the lien blocks redemption until you repay. Borrow only what you can repay.

Check Eligibility Try the loan calculator

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Personal consultation

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Free 30-minute web conferencing and online meeting available

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Meeting address: # 1397, Sector 25, Panchkula, Haryana 134116

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Contact Us

Get your roadmap today

Talk to a CFP professional about your goals, investments, insurance and taxes. Call, write or message us, and we will respond within one working day.

You work hard for your money. We will help you channel it towards your financial goals. Come to us to get sorted.

Office

Regd. Office: # 1397, Sector 25, Panchkula (Haryana), Pincode 134116, INDIA

Phone

+91 98160 02197

info@prudentfp.in

Hours

Monday to Saturday, 10 AM to 6 PM
Sunday morning, by appointment only

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Meet in person

Personal consultation

A paid, in-person meeting at ₹2,000 per visit. If you take up a financial planning engagement, this fee is adjusted against your planning fee.

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Benefits of Financial Advice

Financial planning is needed by everyone irrespective of their wealth. Everyone needs a blueprint to achieve their goals and ends. We are SEBI Registered Investment Advisers (RIA) offering a well thought out plan which would provide clarity & peace of mind. The benefits of engaging a fee-based only, Fiduciary advisor are enormous.

Advice Delivery & Engagement

We provide comprehensive financial planning and tax advisory services to clients in India and globally, using technology for delivery and seamless interactions. We serve clients across India and NRIs from diverse countries, and we work in their best interests.

Our Presence

PrudentFP has served clients across India, including cities like Jammu, Ambala, Chandigarh, Patiala, Bangalore, Sri Ganganagar, Jaipur, Kanpur, Kolkata, Panchkula, Mohali, Pinjore, Hyderabad, Jamshedpur, Baddi, Delhi and Noida. Our global reach extends to clients from countries such as Malaysia, USA, Oman, Germany, Abu Dhabi, Canada and others. We can assist you irrespective of your location in India or abroad.

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Join our WhatsApp group to discuss your personal finance matters, such as financial planning, insurance, mutual funds, and income tax including GST. Personal finance topics only.

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Home / Post-Retirement Investment Plan

Post-Retirement Investment Plan

Generate regular income

A steady monthly income, like a pension, from your retirement corpus.

We find the best places for your retirement savings, so you get regular income to meet inflation-adjusted monthly expenses without going back to work.

We spread your corpus across small savings schemes, debt funds and mutual funds, so you have a steady monthly income while your capital stays protected and keeps growing.

Who it suits

Senior citizens who are close to retirement or already retired, and are unsure how to invest their corpus to earn a monthly income for the rest of their lives.

It also suits those who want higher returns on their corpus to fund the higher education or marriage of their grandchildren.

What your plan includes

Risk profiling and asset allocation
Financial health check, with cash flow and net worth analysis
Review of existing health insurance policies
Review of existing investments: mutual funds, bonds, bank deposits and post office deposits
Review of tax-saving products
A Systematic Withdrawal Plan (SWP) for regular monthly income
Basic estate planning advice
Will writing for you and your spouse
Goal-based investment planning for your grandchildren
Post-retirement planning
Suitable portfolio recommendations: mutual funds, bonds, bank deposits, post office deposits and PMS
Income tax return filing for you and your spouse
Mutual fund portfolio set-up
Implementation of the plan
Review and monitoring of your investments
Unlimited support and ongoing service

Fee

The minimum lump sum fee starts at ₹15,000 + GST per annum. The final fee depends on the complexity of your portfolio and can be fixed or a percentage of annual income.

Disclaimer. We do not promise that the investments you make based on this plan will be profitable. Investments are subject to market, currency, economic, political and business risks, and we are not liable for losses from investment decisions.

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Home / MSME / Udyam Registration

MSME / Udyam Registration

Paperless, self-declared and permanent

Udyam Registration is a paperless self-declaration that entrepreneurs use to register their enterprises.

Enterprise categories

Micro: investment in plant, machinery and equipment up to ₹1 crore, and turnover up to ₹5 crore.
Small: investment up to ₹10 crore, and turnover up to ₹50 crore.
Medium: investment up to ₹50 crore, and turnover up to ₹250 crore.

Why it is easy

You need no documents or proof except your Aadhaar number. Because Udyam is integrated with the Income Tax and GSTIN systems, your PAN and GST-linked investment details are pulled in automatically.

You receive a permanent registration number and a certificate with a QR code from which your enterprise details can be accessed.

The registration process

Anyone starting a micro, small or medium enterprise can apply under the MSME Act. The process runs on your self-declaration. You get a permanent Udyam registration number, and then a virtual Udyam registration certificate.

Why you need Udyam registration

Collateral-free loans from any bank.
A lower interest rate on loans from your bank or NBFC.
Lower charges on claims.
Concessions on electricity bills.
Subsidies from the National Small Industries Corporation and other government bodies.
Reimbursement of the cost of ISO certification.
Excise exemption under the Government of India scheme.
Tax exemptions without difficulty.

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Home / Comprehensive Financial Plan

Comprehensive Financial Plan - The Simplest Way...

Get Your Roadmap Today

A clear plan for your goals: where to invest, how much to invest each month, and how much insurance you need.

Comprehensive Financial plan will view your each financial decision as a part of whole, while considering your long term and short term effects on your life goals.

Managing money is hard. A financial plan gives you a roadmap to your goals, based on your current situation.

A plan takes your earnings and goals, then tells you where to invest, how much to invest each month, and how much insurance you need to stay on track.

If you plan to retire in 20 years, for example, it tells you which mutual funds to buy and how much to put in large-, mid- and small-caps. Without a plan, you may end up in products that leave risks uncovered and returns lower than they could be.

It is also a reference to check progress and adjust as needed.

Plan Overview

We start with your earnings, expenses, savings and liabilities. Savings minus debt gives your net worth, your starting point.

Income minus expenses shows how much you can invest each month.

Next, your goals: short-term (an annual holiday), medium-term (a car or house) and long-term (retirement, children’s marriage).

Then we map a strategy. For long-term goals, depending on your risk appetite, we may suggest up to 80% in equities. For short-term goals, we may use ultra-short-term or corporate bond funds. Life and health insurance ensure that death or hospitalisation does not dent your family’s finances.

This is the overview. The full plan includes much more detailed analysis and our investment recommendations.

Let the financial plan be your guiding light.

Suitability

This plan suits you if you are serious about your financial life, want a long-term relationship, and understand that planning is an ongoing process until your goals are met. It covers every aspect of your finances in depth.

It also suits you if you want your financial life fully organised, suitable investments, a way out of unsuitable products, and a disciplined, process-driven plan.

What the plan may contain

Your plan may cover the following:

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What you get

A blueprint: a comprehensive view of your finances and a pathway to financial well-being.
Ongoing support through our Perpetual Engagement Model: engagement sessions, plan and portfolio reviews, consultations, and implementation support and reporting through our implementation partners, if you want them.
A personal CFO for your finances, so you have time to enjoy your personal and professional life. The result is peace of mind.

We are your personal CFO, managing your finances comprehensively and responsibly so you can enjoy your life.

Fee Structure

For Resident Indian only

Minimum fixed fee: ₹25,000 per annum*. The final fee depends on portfolio complexity: fixed, or 1% of gross annual income, whichever is higher, up to a maximum of ₹1,51,000 p.a.*, as per SEBI RIA Regulations, 2013.

For Non-Resident Indian only

Minimum fixed fee: ₹30,000 per annum*. The final fee depends on portfolio complexity: fixed, or 1% of gross annual income, whichever is higher, up to a maximum of ₹1,51,000 p.a.*, as per SEBI RIA Regulations, 2013.

* 18% GST is levied separately, over and above these fee limits.

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