Quick Access for Mutual Fund Services
Yahan se aap do tarah se kaam kar sakte hain — pehle planning / discussion ke liye enquiry form, ya direct online investment platform (AssetPlus) ke through SIP / lumpsum start karna.
Mutual Fund Planning & Enquiry
Agar aapko pehle samajhna hai ki kitna invest karein, kis type ke funds theek rahenge, ya apne goals ke hisaab se planning chahiye — to pehle enquiry form se team se connect ho sakte hain.
Go to Enquiry / Planning FormDirect Online Mutual Fund Investment
Agar aapko process pata hai aur aap direct online SIP / lumpsum start karna chahte hain, to neeche diye gaye AssetPlus portal ke link se investment kar sakte hain.
Open Online Investment Portal (AssetPlus)Direct Link: https://www.assetplus.in/mfd/ARN-318504
Core Mutual Fund Solutions We Work With
Mutual funds can be used for different goals — short term parking, regular savings through SIPs, tax saving, children’s education, retirement and more. We help you understand category, risk and time horizon before choosing products.
SIP – Systematic Investment Plans
Monthly SavingsLong-Term GoalsMonthly or periodic investments that convert small amounts into a disciplined habit, helping build wealth steadily over time.
- Suitable for salary, business & professional income.
- Aligned with clear goals like education, home or retirement.
Lump Sum Investments
Bonus / Sale ProceedsOne-time InvestmentParking larger amounts from bonus, property sale or business surplus into suitable funds, based on holding period and risk comfort.
- Short, medium or long term options.
- Can be combined with STP (systematic transfer) where appropriate.
Tax Saving (ELSS) Funds
Section 80CEquity LinkedEquity-linked mutual funds eligible under applicable tax sections, with a lock-in period and wealth-creation potential over long term.
- Useful when planning overall 80C basket.
- Better suited for investors with higher risk tolerance.
STP & SWP Strategies
STP – TransferSWP – WithdrawalSystematic Transfer Plans (STP) and Systematic Withdrawal Plans (SWP) for managing transitions between funds or generating regular cash flow.
- STP: staggered entry from debt to equity or between funds.
- SWP: controlled periodic withdrawals from investments.
Risk Profile & Asset Allocation
EquityDebtHybridBefore selecting funds, we discuss your risk profile, investment horizon and comfort with fluctuations to suggest a broad mix.
- Conservative, balanced or aggressive approaches.
- Helps avoid random, ad-hoc product choices.
Goal-Based Investment Plans
EducationHomeRetirementWealthMapping your SIPs and lumpsum investments clearly against goals and time-lines, so that progress can be reviewed meaningfully.
- Goal-wise plan instead of random schemes.
- Helps decide when to reduce risk near goal.
What Exactly We Do For Mutual Fund Investors
We do not just “sell a product”. Focus is on planning, documentation and ongoing review — so that you know what you are invested in and why.
SIP Planning & Setup
Helping you start and structure SIPs in line with cash flow and goals, instead of random amounts and schemes.
- Understanding monthly surplus and existing obligations (loans, expenses).
- Goal-wise SIP planning (education, house, retirement etc.).
- Explaining fund categories and risk before starting SIP.
- Co-ordinating KYC / onboarding with AMCs or platforms as applicable.
Lump Sum & Surplus Deployment
When you receive a large amount (bonus, maturity, property sale etc.), we help split it sensibly over different time horizons and risk levels.
- Segregating emergency fund vs investment capital.
- Matching portion of funds with short, medium and long-term needs.
- Using STP from debt to equity where staggered entry makes sense.
Goal-Based Investment Mapping
Many investors have SIPs but no clarity on which investment is for which goal. We help bring that structure.
- Listing goals with amount and expected time horizon.
- Allocating SIP / lumpsum to specific goals.
- Guiding when to gradually shift from high risk to lower risk as goal comes nearer.
Tax Angle & Documentation View
Investments should fit into overall tax planning and record-keeping, especially for families with multiple investors.
- Understanding basic tax treatment of equity/debt funds (as per prevailing rules).
- Co-ordinating with tax/CA team for capital gains information when required.
- Ensuring folios and nominations are correctly updated to reduce future issues.
Risk, Behaviour & Expectations
Investment success is not just about products — behaviour during ups and downs is equally important.
- Explaining that returns are market-linked and not guaranteed.
- Discussing how much fall in value you are comfortable seeing on screen.
- Aligning expectations with realistic ranges instead of fixed numbers.
Periodic Portfolio Review
As income, goals and markets change, portfolios may need rebalancing or fine-tuning — not constant churning.
- Annual or periodic review meets (in-person / online) as feasible.
- Checking concentration, overlap and alignment with goals.
- Suggesting course-corrections where needed with proper reasoning.
Who Typically Works With Us For Investments
From first-time investors to experienced business families — requirement and style of planning is different, but fundamentals remain same: clarity, discipline and time in the market.
New / First-Time Investors
Starting with small SIPs, basic risk discussion and simple, easy-to-understand portfolios instead of over-complication.
- Education about risk & volatility.
- Building confidence with gradual steps.
Families & Joint Planning
Couples and families wanting to align investments with children’s education, home and retirement together.
- Goal-wise family investment map.
- Proper nominations & ownership.
Business Owners & Professionals
People with variable cash flows who want to systematically move surplus from business to personal investments.
- Mix of SIP + lumpsum strategies.
- Balancing business risk with personal assets.
Pre-Retirees & Retirees
Those nearing or in retirement, focusing more on capital protection, income planning and sensible withdrawals.
- Adjusting risk downwards where needed.
- Using SWP & debt funds thoughtfully.
Simple 4 Step Investment Process
Clear, repeatable process so that you know what will happen from first discussion to ongoing review.
Profile & Goal Discussion
Understanding income, existing investments, risk comfort and key goals (with time lines) in a simple conversation.
Plan & Category Selection
Deciding broad asset mix (equity / debt / hybrid) and SIP / lumpsum split before finalising specific schemes.
Execution & Documentation
Completing KYC/onboarding, starting SIPs or lumpsum transactions and ensuring records & nominations are in place.
Review & Adjust
Periodic review of portfolio, goals and risk — making limited but meaningful changes where genuinely required.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing. Past performance is not indicative of future results. This page is for information and planning support, not a guarantee of returns or a recommendation for any specific scheme.
Enquire or Invest in Mutual Funds
Aap chahein to pehle planning discussion kar sakte hain (enquiry form ke through), ya seedha online platform par jaakar SIP / investment start kar sakte hain.
HimGiri FinGroup
Registered Address:
VPO Baijnath, Distt. Kangra
Himachal Pradesh, India
Branches: Paprola • Bhuntar • Kangra • Chandigarh • Noida • Delhi
Phone: 8076520212
Email: raganusood1@gmail.com
Choose Your Next Step
Planning discuss karni ho to enquiry form se contact karein, ya agar aapko flow pata hai to direct AssetPlus portal se investment start kar sakte hain.