AKY Trustable Financial Services Pvt. Ltd. — Invest in the Right Mutual Funds. Build Lasting Wealth.

⏰ Only 3 new client slots open this week — Free MF Health Check takes 15 minutes

Trusted by 500+ investors · ₹25 Cr+ in client AUM managed · AMFI-registered MFD

Your Mutual Fund Portfolio
May Be Working Against You.
Wrong funds. Wrong mix.
Let's fix that.

Most investors have SIPs running but no idea if the funds match their goals, risk profile, or time horizon. Wrong fund selection costs more than market volatility. Our free Mutual Fund Health Check reviews your portfolio for suitability — and connects you with our CA partner for any tax needs.

100% free · no payment needed

Action plan in 48 hours

Zero commission · fee-only

AMFI-registered MFD

Takes 15 minutes · Action plan delivered in 48 hrs · Only 3 advisory spots open this week

₹25 Cr+

AUM managed for clients across 15+ AMCs

500+

Investors with suitability-matched MF portfolios

15+

AMC partnerships for best-in-class scheme access

48 hrs

From MF Health Check to your suitability review

Trusted and referenced by

Economic Times

Mint

Business Standard

AMFI Portal

Moneycontrol

The real problem

Your SIPs are running.
But are they working for you?

Most investors have mutual funds but no structure — wrong category, wrong risk level, wrong time horizon. That gap costs more than any market correction.

43%

Of retail mutual fund investors in India are in schemes that do not match their stated risk profile — leading to panic selling during corrections, missed goals, and permanently lost returns. Suitability is not optional.

Source: AMFI Investor Survey Data 2024–25

📉

Wrong funds — portfolio not matched to your goals

Small-cap funds for a 2-year goal. Sector funds as the core portfolio. Overlapping schemes from the same AMC. These are common — and they silently destroy wealth over time without any single dramatic event to notice.

→ We review every fund for suitability and align your portfolio to your actual goals and time horizon

😰

Panic selling — no one to call when markets fall

The biggest destroyer of MF returns is not market volatility — it is investor behaviour during corrections. People who sell in panic lock in losses permanently. Having a distributor who reviews your portfolio and provides context during volatility changes outcomes dramatically.

→ We send portfolio context messages during market events — keeping you invested through cycles

🔍

Hidden commissions — and nobody tells you

MFDs earn commission from AMCs on Regular plan investments. Most never disclose it. AKY Trustable Financial Services Pvt. Ltd. discloses every rupee of commission received — in writing, before any investment — as required by SEBI/AMFI. Transparency on what we earn is non-negotiable. We are bound by the AMFI Code of Conduct to put your suitability first.

→ Full commission disclosure in writing before any investment — mandatory by law, practiced voluntarily by us

Find out if your mutual fund portfolio is actually right for you.

The free MF Health Check takes 15 minutes and costs nothing. No strings attached.

What you receive

Everything you get — from the check
to the full distribution partnership.

Every deliverable solves a specific mutual fund problem. CA-partner services are separately disclosed and priced.

Mutual Fund Portfolio Health Check — Written Suitability Report

Complete suitability review of your MF portfolio: fund category alignment, risk profile match, duplication check, return vs. benchmark analysis, and goal-mapped recommendations. Plain English — no jargon. Delivered in writing within 48 hours of the initial check.

core

ELSS & MF Tax Information Guide (LTCG/STCG/ELSS under 80C)

We provide informational guidance on MF-specific tax implications: LTCG (12.5% on equity MF gains above ₹1.25L), STCG (20% if held < 1 year), ELSS as 80C deduction (up to ₹1.5L), and IDCW vs Growth option tax treatment. For full tax planning and ITR filing, we connect you with our CA partner (CA professional fees apply separately).

core

Portfolio X-Ray — Keep / Sell / Switch for Every Investment You Own

Every mutual fund, stock, FD, PPF, insurance, and NPS analysed. Each gets a plain-English verdict. Overlaps, underperformers, and misaligned investments identified. A new goal-aligned allocation proposed. Updated quarterly.

high value

Goal-Based MF Investment Mapping

We map each of your financial goals (retirement, child's education, home purchase) to appropriate mutual fund categories and SIP amounts. A written investment schedule showing which SIPs to start, at what amounts, in which fund categories — aligned to your time horizon and risk profile. NPS and non-MF instruments referred to appropriate parties.

high value

Year-Round Portfolio Reviews + WhatsApp Support (MF-focused)

Quarterly MF portfolio reviews. Budget announcement context ("what does this mean for my MF portfolio?"). ELSS investment reminders before March 31. WhatsApp access for MF-related queries — 4-hour response on business days. Tax and ITR queries referred to our CA partner.

high value · low cost

Free bonuses — included with every engagement

Bonus 1 — CA Partner Introduction: Free ITR Gap Check via Our Empanelled CA

CA Partner Service

Delivered by our CA partner — not AKY Trustable Financial Services Pvt. Ltd. as MFD. We connect you with our empanelled CA who conducts an ITR gap check for the last 1–2 years — identifying missed deductions and potential corrections. Average recovery: ₹49,094/year. CA professional fees disclosed separately. This is a CA service, not an MFD service.

Bonus 2 — Insurance Policy Review: Identify Gaps & Inefficiencies (Informational)

Informational

We provide an informational review identifying obvious insurance gaps (insufficient term cover) or likely inefficiencies (ULIPs vs. term + MF combination). Insurance distribution is handled by a licensed intermediary separately. We facilitate the connection — we do not sell insurance as part of MF distribution.

Bonus 3 — Emergency Fund Blueprint + Liquid Asset Optimization

Value ₹2,500

Exactly how much emergency fund you need (personalized). Where to hold it to earn 6–7% while keeping it accessible in 24 hours. Most people hold too little (dangerous) or too much in savings accounts at 3.5% (wasteful).

Bonus 4 — MF Tax Information Guide: LTCG, STCG & ELSS Explained (2025–26)

Informational · Free

A written guide covering all MF-specific tax implications: LTCG, STCG, ELSS 80C benefits, IDCW tax treatment, and how to optimise MF redemption timing for tax efficiency. This is informational — not tax advice. For personalised tax regime comparison, our CA partner is available (CA fees apply).

Bonus 5 — Priority "Ask Me Anything" WhatsApp Access (30 days, unlimited)

Value ₹4,000

For the first 30 days: unlimited financial questions via WhatsApp. "Should I buy this ULIP?" "Is this FD rate good?" "Old vs. new regime for me?" — answered by a qualified advisor within 4 hours. The advisor-on-call most people have never had.

MF Portfolio Health Check (written suitability report)₹0 to client

ELSS & MF Tax Information Guide₹0 to client

Portfolio X-Ray & restructuring plan₹6,000

Goal-based MF investment mapping₹0 to client

Year-round MF portfolio reviews + WhatsApp₹0 to client

Bonus 1: CA partner ITR gap check (CA fees apply)₹0 via referral

Bonus 2: Insurance policy review (informational)₹0 to client

Bonus 3: Emergency fund blueprint₹2,500

Bonus 4: MF tax information guide (LTCG/STCG/ELSS)₹0 to client

Bonus 5: Priority WhatsApp (30 days)₹4,000

Total value delivered₹52,000

Annual Partnership — your investment₹35,988/yr

Three ways to work together

Pick the level that fits where you are right now.

All engagements start with the Free MF Health Check. MF distribution is free to clients — commission paid by AMC. CA services billed by CA partner separately and disclosed in advance.

Entry · One-Time MF Review

The MF Health Check

Zero

Free to client · Commission from AMC · CA services separate

✓Full 15-page Financial Health Audit

✓Tax regime optimization + deduction audit

✓Portfolio X-Ray (keep/sell/switch)

✓Retirement gap calculation

✓Written action plan in plain English

✓Bonus 1: Recovery Audit

✓Bonus 4: Regime Decision Framework

Real people. Real rupees. Real change.

These are documented outcomes. Specific numbers, real names.

★★★★★

"I had SIPs in 6 different funds and had no idea if they were right for me. AKY Trustable Financial Services Pvt. Ltd. reviewed everything, found 3 overlapping funds, and restructured my portfolio to actually match my retirement goal. My portfolio finally makes sense."

Arjun K.

Software Engineer · ₹22L income

↑ Portfolio restructured — 6 funds → 3 goal-aligned funds

★★★★★

"I had ₹8L in three ULIPs that were costing me 35% in annual charges. The Portfolio X-Ray found this in week 1. We surrendered two, moved to direct mutual funds, and my portfolio returns went from 6% to 14% in the next year."

Priya M.

Marketing Director · Mumbai

↑ Portfolio returns 6% → 14%

★★★★★

"As a business owner, AKY Trustable Financial Services Pvt. Ltd. helped me structure my business surplus into liquid and equity mutual funds properly. They also connected me with their CA partner who saved my business ₹1,40,000 in tax in the first year. The CA service and MF service work beautifully together."

Rajiv S.

Business Owner · ₹60L turnover

↑ MF portfolio structured + CA saved ₹1,40,000 in tax

Process

From your free score to your first
financial win in 48 hours.

Take the Free Financial Health Score (15 minutes)

Fill 10 quick questions about your income, investments, tax situation, and goals. Takes 15 minutes. You'll instantly see your Financial Health Score (0–100) with a breakdown across 5 financial categories. No payment, no obligation.

Receive your personalized action plan (48 hours)

Within 48 hours, a SEBI-registered advisor reviews your score and sends you a 3–5 page written action plan: your top 3 tax saving opportunities, your highest-priority investment fix, and a retirement gap estimate — in plain English, with numbers.

Decide whether to proceed — with complete information

The action plan shows you clearly what you're leaving on the table. If you want to implement everything with us, we present the right package for your situation. You see the full value before you pay anything. No pressure, no pitch.

First win delivered within 7 days of onboarding

Within 7 days of joining, you receive your Portfolio X-Ray report with a verdict on every investment you own. This is your first documented win — you'll know exactly what's working, what's not, and what to do about it.

Our guarantees

We carry the risk. You carry none.

Four guarantees stacked so that saying no is the riskier choice.

MF Health Check Guarantee (Unconditional)

If after completing the free MF Health Check you don't receive at least 3 specific, actionable observations about your MF portfolio — we'll pay you ₹500 as a "we wasted your time" apology. No conditions. We've never paid this out. Every portfolio has at least 3 things worth improving.

Suitability Guarantee (Conditional — MF Distribution)

Every fund we recommend will match your documented risk profile and stated investment goal. If we ever recommend a scheme that demonstrably contradicts your signed risk profile — we will arrange a no-cost switch to a suitable scheme and provide a written explanation. Our scheme recommendations are backed by your signed risk profiling document, as required by AMFI.

Portfolio Clarity Guarantee (7-Day)

Within 7 days of onboarding, you receive a written Portfolio X-Ray with a clear Keep / Sell / Switch verdict on every investment you hold — in plain language. If it's not specific, not actionable, and not clearly written: full refund of your first month, no questions asked.

Full Commission Disclosure Guarantee

We disclose commission received from AMCs before any investment. We earn trail commission from AMCs on Regular plan investments (built into TER — no extra charge to you). This is mandatory under SEBI/AMFI regulations. We treat it as a trust feature. If commission disclosure is not provided before any investment is made, you can file a complaint with AMFI and we will cooperate fully.

This month's advisory spots — 40 total annual clients

Each client gets genuine attention. When full, we open a waitlist. Currently 37 of 40 spots filled this quarter.

The real cost of waiting: calculated

If you earn ₹15L/year and delay financial planning by 1 year: ₹49,094 in tax overpaid (one year) + ₹18,000 in portfolio underperformance on ₹10L assets + ₹24,000 in emergency fund opportunity cost at 3.5% instead of 7%. Total cost of 1 year of delay: ₹91,094 — against an annual advisory fee of ₹35,988. Waiting costs 2.5× more than acting.

FAQ

Every question before you start.

Honest answers. No sales language.

How does AKY Trustable Financial Services Pvt. Ltd. earn money if I pay zero fees?

AKY Trustable Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (MFD). We earn trail commissions from AMCs (Asset Management Companies) on investments made through Regular plan mutual funds. This commission is built into the Regular plan's Total Expense Ratio (TER) — you pay nothing extra. We disclose every rupee of commission received, in writing, before any investment — as mandated by SEBI/AMFI. If you prefer Direct plans, you invest directly through the AMC without any distributor.

I already have a CA. Why do I need AKY Trustable Financial Services Pvt. Ltd.?

Your CA handles tax compliance — filing returns based on what happened. AKY Trustable Financial Services Pvt. Ltd. handles mutual fund distribution and portfolio suitability — making sure your investments actually match your goals, risk profile, and time horizon. These are complementary roles. In fact, we work with a CA partner: we handle your MF investments, they handle your tax planning and ITR filing. Together, both your investment portfolio and your tax situation are professionally managed.

How is the free MF Health Check different from online tools?

Online tools check fund ratings and past returns. Our MF Health Check — reviewed by an AMFI-registered MFD — assesses actual suitability: does each fund match your risk profile, time horizon, and stated goal? Are you over-concentrated in one category? Do you have overlapping funds? Are you in the right fund category for your age and goal? You get a written suitability report, not a generic performance ranking.

What if I'm not satisfied with the audit report?

Full refund within 7 days of receiving the Portfolio X-Ray report if it's not specific, actionable, and written in plain English. No questions, no forms, no argument. We've never had this refund requested because the report is the first time most clients have actually seen their financial picture clearly — and that's always valuable.

Is my financial information safe with you?

All client data is handled under SEBI's client confidentiality obligations. We do not share, sell, or use your financial information for anything other than providing your advisory services. All reports and recommendations are encrypted and stored securely. We are an AMFI-registered MFD — our data handling practices are regulated by AMFI/SEBI and audited. We maintain KYC records and client data under AMFI's Code of Conduct, with mandatory confidentiality obligations.

Can I cancel the annual partnership?

After 3 months, you can cancel with 30 days' notice. No penalty, no awkward conversation. We believe in earning your trust and continued business every single month — not locking you in. The reason our retention is over 85% is that clients see a well-managed MF portfolio and have access to our CA partner network — not because they're contractually trapped.

Your SIPs deserve
better than random selection.
Let's build a portfolio that works.

Take the free 15-minute MF Health Check. Find out whether your mutual fund portfolio is actually suited to your goals — and get a written suitability review in 48 hours. Our CA partner handles your tax needs separately. Together, your full financial picture is covered.

"I had 8 SIPs running for 4 years and never knew if they were right for me. The free MF Health Check showed 3 overlapping funds, one completely wrong-category fund for my goal, and ₹40,094 in ELSS I wasn't using for 80C. AKY Trustable Financial Services Pvt. Ltd. restructured everything and connected me with their CA for my ITR. Everything is sorted now."

Vikram S. · IT Professional · ₹28L income · Portfolio restructured + connected to CA for tax filing

15 min MF review · Suitability report in 48 hrs · Zero cost to client · Only 3 new client slots this week

AMFI-registered MFD

₹500 paid if we waste your time

Zero commission · ever

Suitability report yours to keep

Your Mutual Fund PortfolioMay Be Working Against You.Wrong funds. Wrong mix.Let's fix that.

Your SIPs are running.But are they working for you?

Everything you get — from the checkto the full distribution partnership.

Pick the level that fits where you are right now.

Real people. Real rupees. Real change.

From your free score to your firstfinancial win in 48 hours.

We carry the risk. You carry none.

Every question before you start.

Your SIPs deserve better than random selection.Let's build a portfolio that works.

Your Mutual Fund Portfolio
May Be Working Against You.
Wrong funds. Wrong mix.
Let's fix that.

Your SIPs are running.
But are they working for you?

Everything you get — from the check
to the full distribution partnership.

From your free score to your first
financial win in 48 hours.

Your SIPs deserve
better than random selection.
Let's build a portfolio that works.