Someone registered with AMFI to help you invest in mutual funds and to look after the relationship afterwards — explaining schemes, assessing what suits you, handling the paperwork, and staying available when things go wrong. The fund house pays us a commission from the scheme's expenses. You pay us nothing directly.
FAQ
Questions people actually ask
Some of these are awkward. Those are usually the ones worth answering.
Looking for general mutual fund questions — what an SIP is, how NAV works, how redemption happens? Those are over here. This page is about working with us.
On this page
Before you work with anyone
No, and the difference matters. A SEBI-registered Investment Adviser charges you a fee and gives advice across your whole financial life. We are a distributor. We can explain mutual fund schemes and help you choose among them based on your risk profile, and we are paid by the fund house, not by you. If you want fee-only advice, you should go to a SEBI-registered Investment Adviser.
Different registration, different model. We will not describe ourselves as one, because the rules on that are clear and so is the honest answer.
Check our ARN on the AMFI website before you invest a rupee — with us or with anyone. Our registration number is ARN-244686, held in the name Chalamala Revanth, valid to 29 April 2028. Do the same for any distributor who approaches you.
The money questions
Nothing. You pay us no fee, ever.
The fund house pays us a trail commission — a percentage of the value of your investment, every year you stay invested, taken from the scheme's expense ratio. It is not deducted from your account. It comes out of the fund's costs before the NAV is published, which means it affects your returns quietly rather than visibly.
We would rather say that plainly than let you discover it later.
It varies by scheme and category, and fund houses revise it. The rates we receive are on our disclosures page. The exact commission on your own investments appears in your Consolidated Account Statement every half-year — you do not have to take our word for it.
They are, and this is the right question to ask.
A Direct plan has no distributor and a lower expense ratio. Over long periods that difference adds up. If you are confident choosing schemes, sizing an allocation, rebalancing, and — this is the hard part — sitting still through a 30% fall without selling, Direct will cost you less and you do not need us.
Most people are not confident about all four. The one that breaks portfolios is the last one. If having someone explain why a fund is down and talk you out of exiting at the bottom is worth the difference to you, that is what you are paying for. If it is not, invest Direct. We would rather say that than sell you something you do not need.
It could — that is the honest answer, and it is why the rules require us to disclose it. We manage it by assessing suitability first, publishing our rates, and never switching your schemes to generate fresh commission. You can check this yourself: if a change is suggested, ask what it does for you and what it does for us.
Starting out
We talk for about thirty minutes about what you are saving for and by when. No documents, no forms, no product. If we think we can help, we say what happens next. If we think you would be better served elsewhere, we say that instead.
Nothing, for the first conversation. KYC comes later.
Your OTP, your UPI PIN, or any password. Not by phone, not by email, not on WhatsApp. Nobody legitimate will ever ask you for these. If anyone claiming to be from us does, it is not us.
To the fund house, through the exchange platform. Never to us, never to any individual's account. Your units are held in a folio in your own name. We never touch your money — we only help you instruct where it goes.
Once, with a SEBI-registered KRA, and it then works across the whole industry. Never over WhatsApp, and never through a link someone sends you unexpectedly.
Most of our clients are. Everything from the first conversation to the annual review works over a call or video, and the paperwork is online.
Once you are invested
A proper review once a year, and whenever something changes for you — a new goal, a change in income, a date moving closer. Plus whenever you call.
Yes. That is the part of this job that matters most, and the part people most often find missing when they need it.
Find out why before doing anything. Usually that means asking the fund house directly what changed. If the approach is intact and the market simply is not rewarding it, we explain that and hold. Most underperformance is a style out of season, and selling into it is how a bad year becomes a permanent loss.
We consider exiting mainly when the fund manager changes and the new one does not inspire confidence — and even then, only with your agreement.
No. Every change has to have a reason we can write down and explain to you. Churning a portfolio to earn fresh commission is a breach of the AMFI Code of Conduct, and it is also just a bad way to treat someone.
Yes. Your statements come directly from CAMS and KFintech — the registrars — not from us. You can request a Consolidated Account Statement any time, and it shows every holding, every transaction, and the commission paid on them.
What you should ask but probably won't
Yes, any time, without asking us and without needing our permission or a no-objection letter. Write to the fund house to change your distributor, or switch to Direct. Your investments are unaffected — only the name attached to them changes.
None. The only lock-ins that exist are inside certain schemes — ELSS funds lock each instalment for three years, for example. Nothing locks you to us.
Your money is not with us and never was. It is with the fund house, in a folio in your name. Nothing about your holdings depends on us continuing to exist. You would appoint another distributor, or move to Direct, and your investments would carry on untouched.
Tell us first — we would rather fix it than have you leave quietly. If that does not resolve it, write to the fund house or its registrar. Beyond that, SEBI's SCORES platform and the SMART ODR portal are open to you, and we will give you whatever you need to use them. Our grievance process is on the contact page, including who to write to and how long we take.
Yes. If someone has no emergency fund, high-interest debt, or needs the money within two years, a market-linked investment is usually the wrong answer. Saying so costs us a client and is still the right thing to say.
Things we cannot do
We cannot answer that here, and you should be wary of anyone who does.
A fund is only suitable in relation to a person — their goal, their horizon, what else they hold, and how they behave when markets fall. Recommending a scheme to someone whose circumstances we do not know would be a breach of the rules we work under, and more importantly it would be bad advice dressed up as helpfulness.
What we can do is explain how we choose, which is on our how we work page. The rest needs a conversation.
No. Nobody knows, and anyone who tells you otherwise is selling something.
No. Nobody can, and it is illegal for us to suggest otherwise. Every mutual fund investment can fall in value, including debt funds.
We distribute mutual funds, and for those we are registered. We will not advise you on products we are not registered for. We are happy to say what we think is outside our scope and point you to someone appropriate.
Still have a question? Ask us — we answer every one.
General mutual fund questions are answered here.
Chalamala Revanth | AMFI Registered Mutual Fund Distributor & SIF Distributor | ARN-244686
This page is for general information and investor education. It is not investment advice, an offer, or a recommendation of any scheme. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.