Review
Understand the current portfolio, asset mix, risks and overlaps.
Before you invest more · Since 1989
You may already own enough investments.Are they working together?
The more important question is whether your holdings are aligned with your goals, risk profile and family responsibilities.
That’s perfectly fine.Explore privately first. No call and no product commitment.Explore planning tools quietly →
Before another investment
Perhaps your portfolio does not need more.
It may need a clearer connection between what you own, why you own it and what your family expects it to achieve.
Our honest starting pointWe may recommend changes.
We may also tell you that nothing new is needed.
One family viewClarity
Mutual Funds
Stocks
FDs
Insurance
PMS · AIF
Different holdings. One direction.
Clarity before action
Your wealth deserves a strategy, not chances.
Investing is not about reacting to every headline. It is about understanding your goals, organising what you own and staying disciplined through changing markets.
- Goal-linked investment conversations
- Portfolio overlap and allocation review
- Consolidated family-level reporting
- Regular tracking and review support
The Arvitha approach
The ROOT Strategy
A clear four-step framework for making sense of family wealth.
Organise
Bring investments together for a clearer family-level view.
Optimise
Align the portfolio with goals, risk profile and time horizon.
Track
Review regularly and take measured action when needed.
Portfolio blind spots
Some gaps are difficult to see from inside the portfolio.
Even experienced investors can accumulate investments over time without a single view of how everything works together.
Scattered investments
Multiple platforms, folios and family holdings can make the complete picture difficult to see.
Hidden overlap
Different fund names may still hold similar companies, sectors or underlying risks.
Goal mismatch
Investments may exist without being clearly mapped to retirement, family goals or liquidity needs.
Risk drift
Market movement can gradually take the asset mix away from the intended risk profile.
Emotion-led decisions
Recent returns, headlines and market fear can interrupt a disciplined long-term approach.
Family continuity gaps
Nomination, documentation and estate-planning details may not be clear to the family.
Plan family continuity →Your portfolio may be growing.
Is it working as one plan?
One relationship, a wider view
Solutions for different parts of your financial life.
Mutual Fund Distribution
Regular-plan mutual fund access supported by goal mapping and ongoing investor servicing.
Explore →Portfolio Review
A structured health check of existing investments before considering additions.
Explore →PMS & AIF Access
Distribution access to selected Portfolio Management Services and Alternative Investment Funds for eligible investors.
Explore →Specialised Investment Funds
Access to SIF strategies subject to product availability, regulatory conditions and investor suitability.
Explore →REITs, InvITs & Capital Gain Bonds
Specialised access routes for listed real assets, infrastructure and eligible capital-gain planning.
Explore Capital Gain Bonds →GIFT City, NRI & International Investments
A connected view of Indian investments, eligible IFSC opportunities and global diversification routes for non-resident investors.
Explore NRI Investment Routes →Plan today, a richer tomorrow
Monthly SIP Calculator
See how disciplined monthly investments may grow over time.
Monthly investment
₹1,000₹25,00,000
₹25,000
Investment period
1 year30 years
15 years
Expected return
6%18%
12% p.a.
Annual step-up
1%20%
10% yearly
Inflation assumption
3%10%
6% p.a.
The expected return is an assumption, not a promise. Actual market returns will vary.
The Cost of Waiting
What could a five-year delay cost?
See how starting later may change the destination—even when the monthly investment stays the same.
Illustration: 20-year goal · 12% assumed annual return
Estimated cost of waiting
₹2.47 Cr Starting 5 years later may reduce the estimated corpus. Calculate my cost of delaySeventeen planning tools
One clearer financial plan.
Choose what you want to understand next. Each calculator takes only a few moments.
InvestingLoansTaxRetirementProperty
New · Your freedom timeline
When could work become optional?
Estimate a possible financial freedom date from your expenses, investments, SIP, inflation and withdrawal assumptions.
New · Inflation reality
Will ₹1 crore still feel like ₹1 crore?
See the future purchasing power of a headline corpus—and what may actually be needed.
Featured · Start now
The Cost of Waiting
See what delaying your investment journey may cost—and the extra SIP that may be needed to catch up.
New · Tax-aware
Is your portfolio paying tax without a plan?
Explore how eligible capital losses may offset gains—without letting tax take over the investment decision.
New · EMI to SIP
When the EMI ends, what begins?
Calculate the loan cost, then see what the same monthly discipline may become when redirected into a SIP.
New · Extra EMI power
EMI Fast-Forward
Add 1, 2, 5—or any number of extra EMIs each year. See the revised closure date, tenure saved and possible interest saving.
New · Home decision
Buy—or rent and invest?
Compare estimated owner equity with investing the down payment and monthly difference.
New · Surplus decision
Prepay the loan—or invest?
Compare relatively certain interest savings with an assumed market-linked investment outcome.
01 · Goal
Goal SIP
Find the monthly investment needed for your target corpus.
02 · Growth
Lumpsum
See how a one-time investment may grow over time.
03 · Future
Retirement
Estimate future expenses and the corpus required at retirement.
04 · Income
SWP
Explore regular withdrawals and the possible remaining balance.
05 · Allocation
Risk Profile
Understand your risk profile and indicative asset allocation.
06 · Property
Rental Yield
See gross and net property yield after vacancy and ownership costs.
07 · Combined growth
Lumpsum + SIP
Project your current corpus and future SIP together, with step-up and inflation.
08 · Build to income
SIP → SWP Ready Reckoner
Connect the wealth-building years to an inflation-aware withdrawal plan.
09 · Tax estimate
Capital Gains Tax
Estimate gains and indicative tax for equity, property and other assets.
People behind the process
Experienced, accessible and family-led.
Built on the values established by Shri Ounkar Singh Sandhu and carried forward by the next generation.
Ounkar Singh Sandhu
Our Mentor
Harvinder Singh Sandhu
Director · Founder, Arvitha
Sifty Sandhu
Chief Operating Officer · CFP® · CTEP
Tarvinder Singh Saluja
VP – Equity Operations
Multiple asset classes · One clear view
Your family’s investments, together in one place.
View mutual funds and other supported asset classes in a consolidated family view—along with holdings, transactions, goals and portfolio information through the Arvitha app.
Multiple asset classesConsolidated family viewGoal trackingPaperless access
Insights & investor education
Ideas for calmer financial decisions.
New tax regime rules 2026-27: slabs, rebate and deductions
Why portfolio review matters—in 2026 and every year after
Investing Only in India? Here's Something Your Portfolio May Be Missing
Start Investing at 25 or 35? The ₹1 Crore Difference You Should Know About
Quick access
Useful financial services, one click away.
Liquidity, when required
Loan against mutual funds
Check eligibility through our technology partner without redeeming eligible investments.
Check Loan Eligibility ↗Market access
Demat & trading account
Open an Axis Securities account for equities, ETFs and IPO access.
Open Demat Account ↗