Mutual fund distribution

Everything we do sits inside one asset class.

Prenam is a mutual fund distributor. We do not sell insurance, bonds, PMS, AIFs or structured products — and we are not registered to advise on them. What follows is the full extent of our practice.

At a glance

Four ways people invest with us.

Most portfolios use more than one of these at the same time. Each is explained properly further down the page.

SIP

A fixed amount every month, from ₹500 upward. Automated by bank mandate, and the simplest way to build a long-term habit.

How SIPs work

Lumpsum

A one-time amount put to work — a bonus, a maturity or a sale proceed — invested at once or phased in over several months.

Investing a lumpsum

Gold funds

Gold ETFs and gold savings funds, bought in monthly instalments. No locker, no making charges, no purity to worry about.

Gold, systematically

SWP

A systematic withdrawal that turns a corpus into a monthly income — the structure most retirees actually need.

Drawing an income

A deliberate limit on scope.Mutual funds are regulated, transparently priced, daily-valued and easy to exit — which makes them the right default for most long-term household goals. Keeping to one category means our research, our paperwork and our servicing all stay focused. If what you need genuinely sits outside this, we will tell you so rather than improvise.

Schemes from across India’s fund houses

SBI Mutual FundICICI PrudentialHDFC Mutual FundNippon IndiaAxis Mutual FundKotak MahindraMirae AssetAditya Birla Sun LifeUTI Mutual FundParag ParikhMotilal OswalFranklin TempletonDSP Mutual FundTata Mutual FundCanara RobecoQuant Mutual Fund

Transactions are routed through BSE StAR MF and NSE NMF II, which between them carry the schemes of essentially every Indian AMC. Names shown are for identification only and do not imply any endorsement, tie-up or recommendation.

Systematic Investment Plans

The habit that does most of the work.

A SIP invests a fixed amount on a fixed date every month, automatically. Its value is not that it predicts markets — it is that it removes the need to.

When prices fall, the same instalment buys more units. When they rise, it buys fewer. Over a long enough stretch that averaging does something no amount of market-watching reliably achieves: it keeps you invested through the periods when you would otherwise have stopped.

Start from ₹500 a month; increase it whenever your income does
Step-up SIPs that raise the instalment automatically each year
Any date in the month, debited by mandate from your own bank account
Pause, modify or stop at any time — there is no lock-in on an open-ended scheme

Project a SIP Start one

Lumpsum & staggered entry

A large amount deserves a decision, not a reflex.

A bonus, a property sale, a maturing deposit or an inheritance raises a different question from a monthly SIP: not whether to invest, but how quickly.

Investing the whole sum at once has, historically, worked more often than not — markets spend more time rising than falling. But “more often than not” is cold comfort if the market falls 20% the month after you commit your life savings. For most people the right answer depends less on probability than on what they could live through without abandoning the plan.

An honest conversation about horizon before any scheme is discussed
Phased entry via a Systematic Transfer Plan where the amount warrants it
Liquid or ultra-short parking for money you will need within a year
Tax implications of redeeming what you already hold, laid out before you act

Project a lumpsum

A person signing investment documentation

Goal-based portfolios

One portfolio per goal, not one portfolio for everything.

Money you need in three years and money you need in twenty-five are two different problems. Treating them as one is the most common structural mistake we see.

A child’s education

A fixed, non-negotiable date and a cost that has historically inflated faster than the headline index. Usually equity-led early, de-risked deliberately in the final few years.

A home

Typically a shorter horizon with a hard deadline, where capital protection starts to matter more than growth. Often the goal best served by debt-oriented categories.

Retirement

The longest horizon you have, and the one most damaged by caution. The job here is accumulation for decades, then a drawdown structure that does not run out.

An emergency reserve

Six months of expenses that must be available on short notice and must not fall in value. This is a liquidity problem, not an investment one — and we treat it that way.

How a goal becomes a portfolio

We start with the amount in today’s money and the year you need it. We inflate the target so the number is honest. We work backwards to the monthly contribution required, then choose an asset mix that suits the time left — not the mix that looks most exciting.

As the date approaches, the mix changes. A goal eighteen months out has no business sitting in a mid-cap fund, however well it has done.

Try the goal planner

Portfolio review

Bring us what you already own.

Most investors who come to us are not starting from zero. They have six or eight schemes picked up over a decade from different people, for reasons nobody wrote down.

A review is simply reading that portfolio properly: what each scheme is actually doing, where two of them are doing the same thing, whether the overall risk matches the horizon, and what the tax consequence of changing anything would be. Send us a Consolidated Account Statement and we can work from that.

Category and holdings overlap across schemes
Asset allocation drift against the horizon you actually have
Dormant folios, lapsed SIPs, unclaimed dividends and stale KYC
Exit load and capital gains implications before any switch is suggested

A review may well conclude that nothing needs changing. That is a legitimate outcome and we will say so.

Request a review

Investment statements and charts spread across a desk

No obligation

Get your portfolio reviewed.

Send us your Consolidated Account Statement and we will read through what you hold — scheme overlap, allocation drift, dormant folios and the tax cost of changing anything — then tell you plainly whether it still fits.

Free, and genuinely without obligation
A written summary you can keep, whether or not you invest through us
We will say so if the honest answer is that nothing needs changing

A CAS shows holdings only. It carries no passwords and cannot be used to transact.

Tax-saving

ELSS under Section 80C

Equity-Linked Savings Schemes carry a three-year lock-in — the shortest of any 80C instrument — and invest predominantly in equities. For investors who have stayed on the old tax regime, they remain one of the few 80C options with a genuine growth mandate.

Two cautions we always give. The lock-in applies to every instalment separately, so a SIP started in March locks units until March three years later, instalment by instalment. And under the new tax regime, 80C deductions are generally not available — which makes ELSS an ordinary equity fund with an unnecessary lock-in. Which regime you are on genuinely changes the answer.

Tax treatment depends on your individual circumstances and on prevailing law, which can change. Please confirm your position with a qualified tax professional.

Ongoing servicing

SWP, STP, switches and the admin

The part nobody advertises, and the part that quietly determines whether a plan survives contact with real life.

SWP — a systematic withdrawal that converts a corpus into a monthly income in retirement
STP — moving a lumpsum gradually from a liquid fund into equity over several months
Switches & consolidation — tidying scattered folios, with the tax cost shown first
KYC, nomination & bank changes — the paperwork that stops being trivial at exactly the wrong moment
Transmission — helping families claim units after a bereavement

Gold — via mutual funds

Gold, bought systematically rather than impulsively.

Indian households have held gold as an inflation hedge for generations. The awkward part has always been the form it takes — lockers, making charges, purity, and no way to buy a little every month.

Gold ETFs and gold savings funds solve that. Both are mutual fund schemes regulated by SEBI, both track the domestic price of physical gold, and a gold savings fund can be bought through an ordinary monthly SIP from ₹500 — no demat account required.

Gold ETFs — units traded on the exchange, held in a demat account
Gold savings funds — a fund-of-fund you can run a normal SIP into, no demat needed
Backed by physical gold of 99.5% purity or better, held with a SEBI-regulated custodian
No storage, insurance, making charges or purity risk
Usually a satellite holding of roughly 5–10%, not a core allocation

Start a gold SIP

Instrument

Gold ETF / FoFBoth are mutual fund schemes

Minimum SIP

₹500per month, scheme depending

Backed by

Physical gold99.5%+ purity, custodian-held

Suggested weight

5–10%A hedge, not a core holding

What we do not deal in.Physical gold, jewellery, digital-gold wallets and Sovereign Gold Bonds all sit outside mutual fund distribution, so they sit outside our practice. Gold funds can fall in value like any other investment, and gold has gone through long stretches of flat or negative real returns.

Benefits

The case for the category

Why invest through mutual funds at all?

Before any question about which scheme, there is a prior one: why this vehicle rather than a deposit, a stock portfolio or a property. Six reasons that hold up.

Professional management

A qualified fund manager and a research team decide what the scheme holds, within a mandate SEBI defines and polices. You are not picking individual stocks at 11pm.

Diversification from day one

A single equity fund may hold fifty or more companies across sectors. Even a ₹500 instalment buys a slice of all of them — impossible to replicate directly at that size.

Liquidity

Open-ended schemes can be redeemed on any business day, with money usually in your account within a few working days. Exceptions are ELSS lock-ins and short-dated exit loads.

Regulated and transparent

NAV is published daily, holdings monthly, and the full expense ratio is disclosed. You can see exactly what you own and exactly what it costs.

You can start small

Many schemes accept ₹500 a month, and a step-up SIP raises the instalment as your income grows. Starting early matters far more than starting big.

Compounding does the work

Returns earned stay invested and earn in turn. The effect is unremarkable for three years and considerable over twenty — which is the whole argument for not interrupting it.

None of this makes mutual funds risk-free. Returns are not assured, values fall as well as rise, and equity schemes can stay down for years at a stretch. The case for the category is structural, not a prediction about performance.

Getting started

From first call to first instalment.

If your KYC is already complete, this usually takes a few days rather than weeks.

A conversation

In person in Ludhiana, or over a call. We talk about income, commitments, what you already hold and what you are saving for. Nothing is recommended at this stage.

KYC

PAN, Aadhaar, a bank account proof and a photograph, verified through a SEBI-registered KYC Registration Agency. If you have invested in mutual funds before, this is usually already done and simply needs checking.

A written plan

Goals, horizons, amounts, categories and the reasoning behind each. You read it, question it, and change it before anything is invested.

Execution

Transactions are placed through BSE StAR MF or NSE NMF II. Money moves from your bank account to the AMC directly; units are allotted in your name and confirmed to you by the AMC and its RTA.

Review

A scheduled review at sensible intervals, plus a call from us whenever something material genuinely changes. Your Consolidated Account Statement arrives independently of us, every month, from CAMS or KFintech.

Common questions

Things people ask before they commit.

Nothing directly. We are paid trail commission by the Asset Management Company on Regular Plan investments made through us. That commission is already inside the scheme’s Total Expense Ratio, which is deducted before the published NAV — so it is not an additional charge on top of your investment. Direct Plans, which carry no distributor commission and therefore a lower expense ratio, are always available to you directly from the AMC without us. The whole arrangement is set out on our commission disclosure page.

No, and it never should. Funds move from your own bank account directly to the Asset Management Company through a regulated exchange platform. Units are allotted in your name, and your holding records sit with the AMC and its Registrar & Transfer Agent, not with us. You receive confirmations and statements directly from them.

No. Nobody can, and anyone who says otherwise about a mutual fund is misleading you. Mutual fund investments are subject to market risks, returns are not assured, past performance tells you nothing reliable about the future, and the value of your investment can fall as well as rise. What we can offer is a process, a documented rationale and consistency — not an outcome.

No. Prenam Asset Distribution LLP is an AMFI-registered Mutual Fund Distributor (ARN-371383). We are not a SEBI-registered Investment Adviser and we do not provide investment advice, portfolio management or financial planning services for a fee. We distribute mutual fund schemes and provide the incidental support that regulation permits a distributor to provide. If you want formal fee-based advice, you should engage a SEBI-registered Investment Adviser, and we will say so plainly if that is what your situation calls for.

Many schemes accept a SIP of ₹500 a month, and we are happy to begin there. The amount matters far less at the start than whether the instalment is one you can sustain without resenting it — a ₹5,000 SIP you stop in eight months is worth less than a ₹1,000 one you keep for fifteen years.

For open-ended schemes, yes — you can stop a SIP or redeem units at any time, usually with the money in your bank account within a few working days. Two exceptions worth knowing: ELSS funds carry a statutory three-year lock-in per instalment, and some schemes apply an exit load if you redeem within a short window of investing. We will always flag both before you invest, not after.

Start your investment journey.

Fill in your details and we will come back to talk through what suits your goals. Nothing is committed at this stage, and there is no charge for the conversation.

Ready when you are

Tell us what you are saving for.

Whether that is a first SIP of ₹1,000 or a portfolio built up over fifteen years, the conversation starts the same way.

Send an enquiry Call +91 70090 03671