Frequently Asked Questions
What does it mean that Sumruddhi Investments is an AMFI Registered Mutual Fund Distributor?+
It means we are registered with the Association of Mutual Funds in India (AMFI) and hold a valid ARN (ARN: 348216), authorizing us to distribute mutual fund schemes and advise clients in line with AMFI's code of conduct.
Is my money safe when investing through a distributor?+
Your money is never held by us — it goes directly from your bank account to the mutual fund house or institution you invest with. We only facilitate the transaction and provide guidance; your investments remain in your name and are visible directly on the AMC/RTA or AssetPlus platform.
What is a SIP and why should I start one?+
A Systematic Investment Plan (SIP) lets you invest a fixed amount at regular intervals (usually monthly) into a mutual fund. It builds discipline, averages out market volatility over time, and makes investing accessible without needing a large lump sum upfront.
What is the minimum amount needed to start investing?+
Many mutual fund SIPs can be started with as little as ₹500-₹1,000 per month. The right starting amount depends on your goals and budget — use our SIP calculator or reach out for a personalized recommendation.
What is the Tri-Factor philosophy?+
It's our approach to building portfolios by blending three investment styles — Momentum (capturing market trends), Value (investing in fundamentally sound, fairly priced assets), and Growth (staying invested for long-term compounding) — to create resilient portfolios across market cycles.
Are mutual fund investments guaranteed to give returns?+
No. Mutual fund investments are subject to market risk, and past performance does not guarantee future results. Our focus is on disciplined, diversified investing with downside protection in mind, not promising fixed or guaranteed returns.
How is Sumruddhi Investments different from just buying funds through my bank?+
We are not tied to any single fund house, so our recommendations are based on your goals and risk appetite rather than a bank's in-house products. You also get ongoing reviews, behavioral guidance during volatile markets, and access to our CA-partnered tax and compliance services.
How do I get started?+
Reach out via WhatsApp or the Get in Touch button to book a free initial consultation. We'll understand your goals and current investments before recommending a tailored plan — there's no obligation to proceed.