Scheme selection across categories
Equity, debt, hybrid and index schemes from the major Indian fund houses — filtered down to a shortlist that fits your horizon and temperament, not a generic top-ten list.
Services
Mutual funds, chosen for a reason
There are thousands of schemes and most of them are not for you. The work is narrowing them down to the handful that fit what you’re trying to do, and being able to say why.
What this covers
Building the portfolio
From a first SIP to consolidating folios scattered across four platforms.
Asset allocation
How much sits in equity versus debt versus cash, and why that split should look different at 32 than at 56.
SIP and lumpsum setup
Monthly SIPs, step-up SIPs that rise with your income, and staggered deployment of larger sums through STP rather than all at once.
Folio consolidation
Old folios across different platforms and old distributors, brought into one place where you can actually see them.
Switching and exits
When a scheme genuinely stops making sense — mandate drift, manager change, sustained underperformance — and what the tax cost of moving would be.
Ongoing monitoring
Quarterly statements and an annual review, with rebalancing triggered by allocation drift rather than by headlines.
Why Advaya
What you get from us
- A reason for every holdingAsk why you own something and you’ll get an actual answer, not “it’s been doing well.”
- You will know what a scheme costsExpense ratio and exit load explained before you invest, not after.
- Tax checked before any switchShort and long-term capital gains impact calculated first, so a switch doesn’t quietly cost you more than it gains.
- Everything visible to youYour own FundzBazar login, so you can see holdings and transact directly whenever you want.
Start where you actually are
Send us what you hold today and we’ll come back with an honest read on it — including if the answer is “leave it alone.”