Your first SIP
We help you settle on a comfortable amount and fund category, then set up the bank mandate with you on a call.
Paperless KYC · WhatsApp updates
Start your first SIP from your phone. Keep a real person on call.
Saral Money helps first-time investors in their 20s and 30s choose mutual funds, finish KYC online and stay on track, with WhatsApp reminders and one distributor who actually knows your folios.
Hi AnanyaYour money
Sample data
Portfolio value
₹8,42,310
₹1,12,400 above invested
Monthly SIPs₹22,500
Flexi cap₹10,000
Large cap index₹7,500
Short duration debt₹5,000
JAN12
Next review7:30 pm · video callwith Rohan, your distributor
- Paperless KYC from your phone
- Plain-English explanations
- WhatsApp reminders before SIP dates
- One report for all your folios
- Half-yearly reviews
- Help with nominee and bank updates
- Units always in your name
- A real person who picks up
What we do
Everything a first-time investor needs. Nothing you don’t.
We are a mutual fund distributor. We help you choose funds, open the account, and keep things tidy for years, so investing stays a habit and not a chore.
Goal-by-goal picks
A trip, a home down payment, an emergency fund, retirement. Each goal gets a time horizon and a fund type, explained in plain words.
All funds, one view
Already have a few apps and folios? Share your CAS and we put every fund, from every fund house, in one simple report.
Tax-saving with ELSS
Understand the 3-year lock-in, and the old vs new tax regime question, before you invest for Section 80C.
Paperwork, handled
KYC, nominee updates, bank mandate changes and address updates. We prepare it, you review and sign.
Reviews and reminders
A review every six months, plus WhatsApp nudges before SIP dates, salary step-ups and KYC renewals.
How it works
From hello to first SIP, without a single branch visit.
Four steps, all from your phone. You can stop at any point and nothing is invested until you confirm.
Step 1
A 15-minute call
Tell us what you are saving for and what you already have. No forms yet.
Step 2
Paperless KYC
PAN, Aadhaar OTP and a short video check. About as long as ordering lunch.
Step 3
Choose together
We help you choose funds for each goal and walk you through the risks of each one.
Step 4
Stay on track
Reminders and reviews on WhatsApp. Call whenever life changes: new job, wedding, a move.
Tool · Illustration
Same money, three places.
What one monthly amount could grow to in a savings account, a recurring deposit and an equity SIP. Rates are assumptions for illustration, before tax and inflation.
₹1,000₹1 L
3 yrs30 yrs
Savings account 3% assumed—
Recurring deposit 6.5% assumed—
Equity SIP 12% assumed—
You put in—
Illustration
Gap vs savings at the end: —
Assumed 3%, 6.5% and 12% a year, compounded monthly; not a promise. Equity returns rise and fall, and can be negative for years. Mutual fund investments are subject to market risks.
Tool · Quiz
What kind of investor are you?
Six quick questions. Your answers suggest a starting mix of equity, debt and gold that we then discuss with you on a call.
Question 1 of 60 answered
Illustration
—equity
Your profile
Answer the questions to see a suggested starting mix.
Equity—
Debt—
Gold—
Updates on WhatsApp
Short messages. From a person, not a bot.
We message before something needs your attention and explain it in two lines. If it needs more, we call.
Before SIP datesSo the bank balance is ready and nothing bounces.
When markets get noisyContext in plain words, so you don’t act on headlines.
A call when it mattersReviews, life changes and anything that needs a proper chat.
Saral Money · RohanMutual Fund DistributorSample
Hi Ananya, a quick reminder: your flexi cap SIP of ₹10,000 goes out on 5 Nov. Please keep the amount in your bank account.10:02
Thanks. Markets are down this week. Should I pause it?10:05
Dips are normal over a 10-year goal, and a SIP keeps buying through them. Happy to walk you through it on a short call. Tomorrow at 7 pm?10:06
Perfect, 7 pm works.10:07
Booked. I’ll share your half-yearly review summary before we talk.10:07
Sample conversation for illustration · names and amounts are placeholders
Why a distributor
An app shows you funds. A person helps you stay invested.
One person who knows your folios
Same name, same number, every time. No ticket queue.
Paperwork help
KYC changes, nominees, bank updates and the forms nobody explains.
Reviews you don’t have to remember
Twice a year we look at your funds and goals with you.
Reminders before things lapse
SIP dates, step-ups, KYC renewals, nominee gaps.
FAQ
Honest answers to fair questions.
Something else on your mind? Ask us on WhatsApp. We reply within a working day.
Fund houses pay us a commission on regular plans, built into the scheme’s expense ratio. There is no separate fee from you. Direct plans cost less and carry no commission; we will explain both so you can choose.
No. Money goes straight from your bank account to the mutual fund (AMC), and units are allotted in your name. We never receive or hold client money.
No. KYC, mandates and transactions can all be done online with PAN, Aadhaar OTP and a short video check. If you prefer meeting in person in Bengaluru, we can do that too.
Many schemes accept SIPs from a few hundred rupees a month; the exact minimum depends on the scheme. Starting small and stepping up with your salary is a perfectly good plan.
Yes. SIPs can usually be paused or cancelled, and most open-ended funds let you redeem any time, subject to exit loads and taxes. ELSS units have a 3-year lock-in.
Your fund value will drop too; that is normal for equity. We get in touch, explain what changed and whether anything about your goal should change. The decision is always yours.
Free, no obligation
Free Financial Health Check
A 20-minute look at where your money sits today, in plain English.
- Emergency fund: how many months you have
- Existing funds and overlap, from your CAS
- Goals, timelines and a sensible next step
Request captured
Template preview: on the live site this becomes a lead in RevenuePilot with a call-back task.