Services
Rather more than helping you buy a product.
Two lines of work, in roughly the order you meet them. The value is in selecting what suits you, executing it properly, and still being here to service it years later.
01
Mutual Fund Distribution
We help clients understand mutual fund investment options and provide distribution-related assistance based on their financial objectives, investment horizons, and risk preferences. We encourage informed decisions and an understanding of the risks associated with market-linked investments.
Offered as an AMFI-registered mutual fund distributor, not a SEBI-registered investment adviser: no advisory fee is charged, trail commission is paid by the asset management company and disclosed, and no return is assured.
What it covers
- Scheme selection matched to your risk profile
- SIPs, lump sums and STPs
- Asset allocation by goal horizon
- Goals with dates and rupee amounts
- Retirement and tax-saving (ELSS) investments
- Periodic review and rebalancing
- KYC, folios and mandates on the registered platform
- Consolidating folios held across distributors
02
Insurance Services
We help clients understand available insurance options in relation to their protection needs, family responsibilities, and financial circumstances, subject to the products and services we are authorized to offer.
Insurance is distributed under a separate IRDAI registration, not under the AMFI ARN, and what can be offered depends on the insurers and products the firm is authorised to distribute. A policy is protection; it is not presented as an investment.
The decision on a claim rests with the insurer under the policy terms.
What it covers
- Needs analysis: income, liabilities, dependants and responsibilities
- Life and term cover with an appropriate sum assured
- Health insurance: family floater and individual cover
- Reviewing policies you already hold
- Premium and renewal reminders, and help with renewals
- Claim process, documentation and submission support
What a SIP health report looks like
If the projection falls short of the target, the two levers are the instalment and the horizon. We show you both before you pick one.
Run it with your own numbers- Current SIP
- ₹50,000 a month
- Annual step-up
- 10%
- Current value
- ₹32 lakh
- Target corpus
- ₹1.5 crore
Figures shown are a demonstration of the arithmetic, not a client portfolio and not a projection of any scheme.
Products are the last decision, not the first.
We work backwards from the date money is needed. If you would rather browse that way, each goal below carries the instruments we actually use for it.
Not sure which of these you need?
That is what the first conversation is for. Bring the question, not a product.
Shri Sai Praasad Services is the practice of two AMFI-registered mutual fund distributors — Hemant Shridhar Kulkarni (ARN-82367) and Hemangi Hemant Kulkarni (ARN-157202) — neither of whom is a SEBI-registered investment adviser. They earn commission from asset management companies on the schemes they distribute, do not charge a fee for distribution, and do not guarantee returns. Insurance is offered under a separate registration from the mutual fund distribution business. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.