SIPs that quietly build wealth while you live your life.
Mutual funds pool your money with thousands of other investors and hand it to a professional fund manager. You get instant diversification, daily NAV transparency and the discipline of monthly SIPs — all without picking individual stocks. Our job is to pick the right schemes and rebalance them as your life changes.
Mutual Fund
SIPs that quietly build wealth while you live your life.
Get started
Plan your first SIP
You can begin with ₹500 a month, pause when life gets tight, and still stay on track for big goals. We match the fund category to your timeline so your money works while you focus on your career and family.
What it is
Wealth on autopilot, monitored by humans
Mutual funds pool your money with thousands of other investors and hand it to a professional fund manager. You get instant diversification, daily NAV transparency and the discipline of monthly SIPs — all without picking individual stocks. Our job is to pick the right schemes and rebalance them as your life changes.
- AMFI-registered distribution — regular & direct plan access
- Goal-mapped SIPs (retirement, education, home)
- Two provider families: Rajagopuram & IIFL curated shelves
- Annual review with tax-harvesting suggestions
Why it matters
Why SIPs matter
Most people don't fail at investing because they pick bad funds — they fail because they don't start, or they stop when markets fall. Mutual funds solve both problems: instant diversification and automatic discipline through SIPs. The earlier you start, the less you need to save each month to reach the same goal.
What Rajagopuram does
How we handle mutual fund differently
Principles and processes that protect your interest before anyone else's.
Goal, not scheme
We start with the goal amount and horizon, then reverse-engineer the SIP and asset mix. Scheme names come last.
Boring beats exciting
Consistent large-cap and flexi-cap winners over the latest thematic launch. Time-in-market compounds better than timing the market.
Rebalanced, not abandoned
Annual review flags portfolios that have drifted from allocation targets. We course-correct before it hurts.
Tax-aware exits
Grandfathering, LTCG harvesting and STCG timing baked into every redemption suggestion.
How it is useful to you
From first conversation to live coverage — usually within a week
You can begin with ₹500 a month, pause when life gets tight, and still stay on track for big goals. We match the fund category to your timeline so your money works while you focus on your career and family.
- 01Step 1
Goal mapping
List your goals in years and rupees — retirement corpus, kid's UG, first home. We do the math.
- 02Step 2
KYC & folio
One-time Aadhaar KYC. Folio creation with Rajagopuram or IIFL platform in under 30 minutes.
- 03Step 3
SIP mandate
Auto-debit set up. Your first SIP hits within 30 days, tracked on your login.
- 04Step 4
Annual review
Every March: performance vs benchmark, rebalance suggestions, tax-harvest options.
The menu
Sub-categories inside Mutual Fund
Every option is available — we recommend only what fits your situation.
Equity — Large / Flexi / Mid / Small cap
Core wealth builders. Diversified across market caps to match your risk appetite.
Debt — Liquid, Short-term, Corporate bond
Emergency fund parking and 1–3 year goals with low volatility.
Hybrid / Balanced advantage
Auto-switching between equity and debt. Best for first-time equity investors.
ELSS — Tax saving
80C deduction up to ₹1.5L with a 3-year lock-in and equity growth potential.
SIP / STP / SWP
Monthly investing, systematic transfers into equity, or monthly income after retirement.
NFO screening
Not every NFO is worth subscribing. We publish a stance before we recommend one.
Common questions
Everything people ask about Mutual Fund
SIP or lumpsum — which is better?
For most salaried investors, SIP wins on discipline and rupee-cost averaging. Lumpsum makes sense during clear market corrections — we'll tell you which one applies to you.
Direct plan or regular plan?
Direct plans carry 0.5–1% lower expense ratio; regular plans include our servicing. We show both and let you choose — no arm-twisting.
Can I stop my SIP anytime?
Yes. SIPs can be paused, reduced or stopped online in one click. We only suggest doing so if it aligns with your goal timeline.
What returns should I expect?
Equity funds have historically delivered 11–14% CAGR over 10+ year periods, though nothing is guaranteed. We plan with conservative 10% assumptions.
How safe is my money?
Your folio is with the AMC (like ICICI Pru, HDFC AMC), not with us. Even if Rajagopuram shut tomorrow, your units are yours.
Do you handle NRI investments?
Yes. NRE / NRO folios across major AMCs with FATCA compliance. Tax treatment differs — we walk you through it.
What if the market crashes right after I invest?
That's why we recommend SIPs and diversification. Crashes are the best time to keep investing — we send explicit 'stay the course' notes during panics.
Ready to start?
Plan your first SIP
A dedicated mutual fund advisor will call you within one business day.
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Free advisor call
Ready to talk about mutual fund?
Share your goal, budget and timeline. A Rajagopuram advisor will call you within one business day — no spam, no pressure.
- Personalised product recommendation
- Transparent cost comparison
- Lifetime servicing after you buy