Frequently Asked Questions

A SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month, starting from as low as Rs 500. Each instalment buys units at the prevailing NAV. Over time, this averages out your purchase cost (Rupee Cost Averaging) and lets compounding work in your favour. SIPs build financial discipline without needing you to time the market.

Mutual fund investments are subject to market risks. Returns are never guaranteed. Your money is invested in market-linked securities whose value fluctuates. However, mutual funds are regulated by SEBI, your money is held in a separate trust (not the AMC's own funds), and all transactions are independently audited. Risk level varies by scheme. Debt funds carry lower risk than equity funds.

Two simple ways: (1) Click "Start Investing on AssetPlus" and complete your KYC and account setup. I am mapped as your distributor automatically. (2) Fill the inquiry form or WhatsApp me directly, and I will personally guide you through the entire process at no extra charge.

Most mutual fund schemes allow SIPs starting from Rs 500 per month. Some schemes allow even lower. You can start small and increase your SIP amount gradually as your income grows. This is called a Step-Up SIP. The most important thing is to start early and stay consistent.

As an AMFI-registered Mutual Fund Distributor, I earn a trailing commission from the Asset Management Company (AMC) on assets you invest. This commission is already built into the fund's Total Expense Ratio (TER) and is NOT an extra charge to you. You pay nothing additional to work with me. The TER is disclosed in the Scheme Information Document (SID) of each fund.

A Mutual Fund Distributor (MFD) like Anuj Devashrayee (ARN: 313718) is registered with AMFI and earns commission from AMCs. A SEBI-Registered Investment Adviser (RIA) charges a fee directly from the client and is prohibited from earning commissions. OakPillar Investments is an MFD and an APMI-registered PMS Distributor (APRN10235), not a SEBI RIA, and does not provide personalised investment advice. For Portfolio Management Services, the portfolio itself is managed by a separate, SEBI-registered Portfolio Manager, not by OakPillar Investments.

NPS (National Pension System) is a government-backed, long-term retirement savings scheme regulated by PFRDA. At retirement (age 60), up to 60% of the corpus can be withdrawn tax-free; the remaining 40% must be used to purchase an annuity for monthly pension. NPS is ideal for salaried and self-employed individuals who want tax-efficient retirement planning. Contributions qualify for an additional deduction of Rs 50,000 under Section 80CCD(1B) beyond the standard 80C limit, but this benefit is available only under the old tax regime, not the new tax regime. Please confirm current applicability with a tax professional before deciding.

Yes, most open-ended mutual fund schemes allow redemption at any time. The amount is typically credited to your bank account within 1 to 3 business days. Exceptions: ELSS (tax-saving) funds have a mandatory 3-year lock-in. Some funds may charge an exit load if redeemed within a specified period. This is always disclosed in the scheme document before you invest.

You can log into your AssetPlus account anytime to view your portfolio, current values, and returns. You will also receive a Consolidated Account Statement (CAS) from CAMS or KFintech if there are transactions. Anuj stays in touch via WhatsApp with periodic context, so you are never left wondering about your portfolio.

Anuj Devashrayee is an AMFI-registered Mutual Fund Distributor (ARN: 313718) and an APMI-registered PMS Distributor (APRN10235), certified under NISM Series V-A, XV, and XXI-A. OakPillar Investments is the operating brand name. All mutual fund transactions go through SEBI-regulated AMCs via the AssetPlus platform, and PMS distribution follows the SEBI (Portfolio Managers) Regulations, 2020. OakPillar Investments is NOT a SEBI-registered Investment Adviser and does not provide personalised investment advice.

Tax depends on fund type and holding period. Equity funds: gains held over 1 year (LTCG) are taxed at 12.5% above Rs 1.25 lakh per year; gains under 1 year (STCG) taxed at 20%. Debt funds purchased after April 2023: gains are added to income and taxed at your slab rate. ELSS has a 3-year lock-in with LTCG treatment. Please consult a qualified tax advisor for your personal situation.

Corporate Fixed Deposits carry the credit risk of the issuing company and, unlike bank fixed deposits, are not insured by DICGC. Their safety depends on the issuer's credit rating (from agencies like CRISIL or ICRA), which can change over time. They suit investors who understand this trade-off in exchange for potentially higher returns than a bank FD. Always read the deposit scheme document before investing.

No. As an APMI Registered PMS Distributor (APRN10235), I facilitate access to Portfolio Management Services via AssetPlus, handling onboarding, access, and ongoing reporting. Your actual portfolio is managed by a separate, SEBI-registered Portfolio Manager under the SEBI (Portfolio Managers) Regulations, 2020. I am not a Portfolio Manager and do not make investment decisions on your behalf.

SEBI mandates a minimum investment of ₹50 lakh for PMS. Unlike mutual funds, PMS portfolios are typically more concentrated and tailored to the individual client, which can mean higher volatility alongside the potential for differentiated returns. PMS investments carry market risk, and the specific risks, fees, and strategy are detailed in the Portfolio Manager's disclosure document, which should be read carefully before investing.

Yes. I facilitate term life and health insurance through the AssetPlus platform, alongside mutual funds, NPS, and corporate fixed deposits. This lets you plan protection and investments together with one advisor instead of coordinating separately with multiple agents. Insurance is a separate, IRDAI-regulated activity, distinct from mutual fund distribution.

A common starting point is 10 to 15 times your annual income, adjusted for outstanding loans, dependents, and future goals like children's education. The Term Cover Estimator in the calculators section above gives a quick starting estimate, but a proper needs assessment should factor in your full financial picture.