Build Long-Term Wealth with Unbiased Financial Planning

A Systematic Investment Plan (SIP) lets you invest a fixed amount automatically every month into a mutual fund. Instead of timing the market, you invest regularly and benefit from rupee cost averaging - buying more units when prices are low and fewer when prices are high. Over years, compounding does the heavy lifting. You can start with as little as Rs. 500 per month.

Mutual funds carry market-linked risk - that is honest. But SEBI strictly regulates all fund houses in India, and your money is held in a separate trust (not with us or the AMC), so it is protected from business failures. Market corrections are temporary. Every major crash - 2008, 2020 - recovered strongly within 2 to 3 years for investors who stayed invested.

Yes, it is completely flexible. You can pause, reduce, increase, or stop your SIP anytime without any penalty (ELSS has a 3-year lock-in for the tax benefit, but that is the only exception). Most open-ended funds can be redeemed within 2 to 3 business days.

Direct plans cut out the distributor and carry a slightly lower expense ratio. Regular plans (through us) have a marginally higher expense ratio but include ongoing portfolio reviews, goal tracking, behavioral coaching during volatile markets, and a real person to call. For most busy families and working professionals, the guidance and discipline from a trusted advisor creates far more wealth than the small cost difference. Read our full breakdown here.

Flexi Cap: fund manager can invest anywhere across large, mid, and small caps with maximum flexibility. Multi Cap: SEBI mandates at least 25% in each cap size - more aggressive, more volatility. Multi Asset: invests in equity, debt, and gold together - smoother ride, lower peak returns, ideal for conservative investors or those near a financial goal. Full comparison guide here.

Absolutely. We start with a free portfolio health check - review your current funds, identify overlapping holdings (e.g., 6 funds all owning the same 30 large cap stocks), spot underperformers, and create a clear restructuring plan. You do not have to switch platforms right away - the health check alone gives you actionable clarity.

For most investors, 3 to 5 well-chosen funds across different categories is more than sufficient. More funds do not mean more diversification - they often just mean more overlap and complexity. A simple portfolio with one large cap or index fund, one flexi or multi cap, one mid cap, and possibly one debt fund covers most investors' needs completely.

Most mutual funds allow SIPs starting at Rs. 500 per month. Some funds go as low as Rs. 100 per month. There is no upper limit. The key is consistency - a small SIP started today and continued for 15 to 20 years will outperform a large lumpsum invested late and managed carelessly.

Book a free consultation using the button on this page, or WhatsApp us at +91 70151 67834. We understand your goals, risk profile, and timeline - then suggest a tailored plan. We handle all KYC and onboarding paperwork. Most clients have their first SIP running within 48 hours of our first call.

As little as Rs. 500 per month via SIP. There is no minimum to have an advisory conversation with us. If you have a lumpsum, most mutual funds have a minimum of Rs. 1,000 to Rs. 5,000. The key is to start - even a small amount invested consistently over years builds meaningful wealth.

A widely used starting point is 20% to 30% of your monthly take-home income. But the right number depends on your goals. For example, to build Rs. 1 Crore in 15 years at 12% CAGR, you need approximately Rs. 18,000 per month. We calculate your exact SIP target based on your specific goal and timeline.

No. Everything can be done remotely - consultation over WhatsApp or phone, KYC through DigiLocker (Aadhaar-based e-KYC), fund selection and SIP setup online. We serve clients across Rewari, Delhi NCR, and all over India - including NRI clients overseas - completely digitally.

No fees from our side. No consultation fee, no portfolio review fee, no setup charge. We are an AMFI-registered mutual fund distributor (ARN-291288). We earn distribution commissions directly from AMCs, insurance companies, and loan providers as part of their standard distribution model - the same way every SEBI-regulated distributor in India works. You pay absolutely nothing extra beyond the fund's own expense ratio.

Yes. Mango Wealth is operated by Himanshu Jangra, an AMFI-Registered Mutual Fund Distributor with ARN-291288, operating in full compliance with SEBI and AMFI guidelines. You can independently verify our registration at any time on the official AMFI website by searching ARN-291288.

No. SEBI has largely standardized distributor trail commissions across AMCs (typically 0.5% to 0.9% on equity funds), so there is minimal incentive to recommend one fund over another based on commission. Our business grows only when your portfolio grows steadily over years - that alignment ensures we always recommend what is genuinely right for your goals.

A widely used benchmark is 10 to 15 times your annual income, plus any outstanding loan balances. For example, if you earn Rs. 10 Lakhs per year and have a Rs. 30 Lakh home loan, a minimum cover of Rs. 1.3 to 1.8 Crore is recommended. We run a detailed needs analysis and help you find the most cost-effective policy.

For pure life coverage, a Term plan gives 10 to 20 times the cover at a fraction of the ULIP or endowment premium. The principle most financial planners follow: keep insurance and investment separate. Buy the cheapest pure term plan for maximum cover, then invest the premium savings in mutual funds for wealth creation. Read our ULIP vs Term + MF breakdown here.

The earlier the better. A 25-year-old can get Rs. 1 Crore term cover for around Rs. 600 to Rs. 800 per month. The same cover costs Rs. 1,500 to Rs. 2,000 per month for a 40-year-old. Premiums are locked in for life at the age you buy. If you have any financial dependents - spouse, parents, children - or any outstanding loan, you need term insurance right now.

We assist with Home Loans, Business Loans, Personal Loans, Car Loans (New and Used), Education Loans, and Loan Against Property (LAP) through our network of top banks and NBFCs. We compare rates, negotiate on your behalf, and handle all documentation so you do not have to visit multiple banks yourself.

Yes, through a Balance Transfer. If your current home loan rate is 9% or higher and you have a clean repayment record, you may qualify to transfer to a new lender at a significantly lower rate. We calculate your total savings after accounting for processing fees and help you decide if the balance transfer makes financial sense for your specific situation.

Yes. NRIs can invest in Indian mutual funds through NRE (Non-Resident External) or NRO (Non-Resident Ordinary) accounts. We guide you through the full process - FEMA compliance, choosing the right fund category, and tax implications under the Double Tax Avoidance Agreement (DTAA) based on your country of residence.

For equity mutual funds, LTCG above Rs. 1.25 Lakhs per year is taxed at 12.5% after 1 year - same rate as for resident Indians. However, TDS is deducted at the time of redemption for NRIs (unlike resident Indians who self-declare in ITR). Depending on your country of residence and the applicable DTAA, you may be eligible to claim a tax credit abroad. We help you navigate this.

Yes, entirely remotely. KYC can be done through video verification or overseas notarization. SIP instructions, fund switches, and redemptions can all be done online through your linked NRE or NRO bank account. We handle all the coordination with AMCs and the bank on your behalf.

For equity-oriented funds (65% or more in equity): gains within 1 year are taxed at 20% (STCG), and gains beyond 1 year exceeding Rs. 1.25 Lakhs per financial year are taxed at 12.5% (LTCG). For debt funds: all gains are added to your income and taxed at your slab rate regardless of holding period. Hybrid and multi-asset fund taxation depends on the actual equity allocation of the fund.

Tax harvesting is the strategy of redeeming equity fund gains up to Rs. 1.25 Lakhs every financial year (before March 31) and immediately reinvesting the same amount. Since LTCG up to Rs. 1.25 Lakhs per year is completely tax-free, you effectively reset your cost basis and reduce future tax liability - without disrupting your long-term investment. We track this for our clients and remind them before the deadline each year.

Yes, under the Old Tax Regime. ELSS (Equity Linked Savings Scheme) qualifies for deduction under Section 80C up to Rs. 1.5 Lakhs per year, reducing your taxable income directly. ELSS has the shortest lock-in among all 80C instruments (only 3 years) and historically delivers equity-like returns over the long term. If you are on the New Tax Regime, 80C deductions do not apply, but ELSS is still a strong equity fund for wealth creation.

NPS is excellent for retirement planning, especially if you want to reduce your tax outgo. Under 80CCD(1B), you get an additional Rs. 50,000 deduction beyond the Rs. 1.5 Lakh 80C limit. The downside is that 40% of the corpus is mandatorily converted to an annuity at retirement (which is taxable as income). It is best suited for disciplined long-term investors who want structured retirement savings with a tax advantage.