Portfolio X-ray
We read every folio from your CAS — overlap, expense ratios, XIRR — and walk you through it in plain words. Then we review it every quarter.
A private desk for mutual fund investors
For business owners, doctors and NRI families. One senior distributor, a deliberately small client book, and every folio, nominee and review kept in order — in Chennai, Dubai, Singapore or on a video call.
ChennaiDubaiSingaporeBy appointment
The private desk
Six things we take off your mind
We distribute mutual funds and help you choose between them. We never hold your money: every rupee moves from your bank account to the fund house, in your name.
Retirement income
Systematic withdrawal plans that pay a steady monthly amount while the rest of the corpus stays invested.
Succession & nominees
Nominee updates, joint holdings and transmission paperwork, so your family is never left searching for folios.
NRI desk
NRE and NRO investing, FATCA declarations, overseas-address KYC and reviews scheduled around your time zone.
Business surplus
Liquid and short-duration funds for company cash, with exit loads, tax treatment and withdrawal timing written down.
Goal portfolios
A child's education abroad, a second home, a sabbatical — each goal gets its own folio, its own date and its own review.
How it works
Unhurried, and on paper
Four steps. Nothing is invested until you have read it, understood it and said yes.
- Step 01
A private conversation
Forty-five minutes at our office, your home or on video. Your goals, your family, your timelines.
- Step 02
The X-ray
Share your CAS. Within a week you receive a written summary of what you hold and what it costs.
- Step 03
Your decision
We help you choose schemes and handle KYC, mandates and forms. You approve every transaction.
- Step 04
Quiet reviews
A review every quarter, and reminders for step-ups, nominees and redemptions before they matter.
Interactive · Wealth path
See where steady could lead
What you hold today, what you add each month, how much you raise it every year. The chart shows the corpus it could build and the monthly income a 4% withdrawal would support.
Illustration
Corpus at the end—
Amount invested—
Monthly income at 4%—
Illustration at an assumed return, compounded monthly; not a promise. Real returns vary year to year and can be negative. Mutual fund investments are subject to market risks, read all scheme related documents carefully.
Sixty-second check
How well is your family's wealth protected?
Five questions about the foundations underneath the investments. Your answers stay in this browser.
Question 1 of 5
NRI desk · UAE · Singapore · US
Invest in India from anywhere
The account you invest from decides what you can take back, and how. We set it up correctly from the first transaction.
- Money in
- Income earned abroad, remitted to India.
- Taking it back
- Investment and gains are freely repatriable to your overseas account.
- Tax
- Mutual fund gains are taxed in India, with TDS deducted at redemption. Treaty relief may apply in your country of residence.
- Suits
- Foreign earnings you may want to bring home, or take back, later.
General information, not tax advice. Rules change; confirm your position with a qualified tax professional in both countries.
FATCA & CRS, done once
Overseas-address KYC, tax-residency declarations and bank mandates on NRE/NRO accounts — guided over video, signed digitally where the fund house allows.
US & Canada residents
Only some fund houses accept investments from the US and Canada. We show you which ones, and the declarations they ask for.
Video reviews in your evening
One slot, four clocks. Reviews are booked in IST and shown in yours.
India6:30 pmDubai5:00 pmSingapore9:00 pmNew York9:00 am
New York time shifts by an hour with daylight saving.
Why a distributor
One person who knows your folios
You can invest on your own, and many people do it well. What we add is continuity: someone who remembers, files and follows up.
A name, not a helpline
The same person on every call, who already knows your family, your goals and your folios.
Paperwork, done properly
KYC, nominees, bank changes, transmission. The forms most people put off for years.
Reviews on the calendar
Every quarter, with a written note: what changed, what we suggest, and why.
Reminders before they matter
SIP step-ups, mandate expiries, lock-in dates and nominee gaps — flagged early.
How we are paid
By commission from fund houses on regular plans; it is built into the scheme's expense ratio. Direct plans cost less and carry no distributor. If going direct suits you better, we will say so.
Commission disclosure
Before we meet
Honest answers
If your question is not here, ask it at the meeting. There are no wrong ones.
Fund houses pay us a trail commission on regular plans, which is part of the scheme's expense ratio. There is no separate fee from you. Scheme-wise commission rates are on our disclosure page.
No. Your money goes from your bank account directly to the fund house (AMC), and units are held in your name. We never collect cash or cheques in our name.
No. They are illustrations at a return you choose. Markets do not move in straight lines, and actual outcomes can be higher or lower, including losses.
The private desk is designed for families investing ₹25 lakh or more over time. The Free Financial Health Check is open to everyone.
Yes. We start with what you have. Changing funds can trigger exit loads and tax, so we show those costs before you decide anything.
Yes, through an NRE or NRO account and overseas-address KYC. UAE and Singapore residents can invest with most fund houses; US and Canada residents with a smaller set.
By appointment
Book a private meeting
At our office, at your home in Chennai, or by video call wherever you are. Bring your latest CAS statement if you have one.
Desk+91 90000 00003
Emaildesk@vaigai.example.in
Office[Office address placeholder], Chennai 600 000
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