Cost of waiting 10 years
- Start now, 30 years
- ₹2.26 crore
- Start 10 years later
- ₹75.9 lakh
₹10,000 a month at an assumed 10% a year. Illustrative, not a forecast.
Mutual fund guidance across India · by phone or video
Own the plan before you own the fund.
For first SIPs and for portfolios that have outgrown their spreadsheet.
- AMFI-registered
- Founded by IIM alumni
- Units stay in your name
Move the sliders or type your own numbers.
Value after 20 years
₹75.9 lakh
- You invest
- ₹24.0 lakh
- Growth
- ₹51.9 lakh
- In today's money
- ₹23.7 lakh
Starting 5 years later: about ₹34.5 lakh less.
Want this checked against your own goals?
Illustrative only: uses the assumed return you choose, is not a forecast or a promise, and ignores costs and taxes. SIP and step-up compound monthly, lumpsum yearly; today’s money assumes 6% inflation a year. How we are paid.
Research library · October 2026 Seventeen Nifty 50 falls of 10% or more since January 2000, measured from peak to recovery, with the depth, the wait and the one-year odds.
Stock market crash history: 17 Nifty 50 falls of 10% or more since 2000
Where are you now
A first-time investor needs a map. An experienced one needs an audit.
Starting out
Four steps, in this order.
- Safety net6 months of expenses
- KYCOne-time, online
- First SIPFrom ₹500
- Step it upRaise yearly
Already invested
Within the band
Illustration: a portfolio’s equity share drifts from 60% to 75% as markets move. The target band is 55 to 65%. Above 65% it is outside the band and time to rebalance.
- Overlap
- Rolling returns
- Cost and tax drag
The numbers we show first
Four pictures that change how people invest
Illustrative, using ₹10,000 a month. None of these is a forecast.
A one-percent cost gap
- 12% a year
- ₹98.9 lakh
- 11% after costs
- ₹86.6 lakh
- Gap over 20 years
- ₹12.4 lakh
₹10,000 a month for 20 years at assumed returns. Illustrative, not a forecast.
Mutual fund tax, FY 2026-27
- Equity, held under 12 months20%
- Equity, held over 12 months, on gains above ₹1.25 lakh a year12.5%
- Debt funds bought after 1 April 2023Your slab rate
General information, not tax advice.
Why holding period matters
- 1 year
- 3 years
- 5 years
- 7 years
Conceptual shape, not data. Range of outcomes narrows the longer you stay.
Indian mutual fund industry, September 2026
The size of the market you are investing in
Portfolio review and planning
What you leave the first call with
A written view of where your money is and where it should be. Not a list of funds.
- Step 1Conversation30 min, free
- Step 2Written planAllocation + cost table
- Step 3Set-up in your nameKYC, folios, SIP mandates
- Step 4Review rhythmScheduled + rebalancing rule
| First SIP | Building | Experienced | |
|---|---|---|---|
| Mutual funds and SIPs | fits | fits | fits |
| Goal-based planning | fits | fits | fits |
| Portfolio review | does not apply | fits | fits |
| Tax-aware investing | does not apply | fits | fits |
| Insurance | fits | fits | does not apply |
| PMS and AIF access | does not apply | does not apply | fits |
Insurance and PMS/AIF are subject to the relevant registrations. Tax and legal questions are referred to your CA or lawyer.
Tools
Work it out yourself first
Research library
- Stock market crash history: 17 Nifty 50 falls of 10% or more since 2000
- Mutual fund rebalancing: a 60:40 portfolio left alone, reset yearly or kept in a band, 2014 to 2026
- How many mutual funds should I have? What overlap in seven equity funds shows
- FD rate of return: what a fixed deposit really earned after tax and inflation, 2011 to 2025
- Direct vs regular mutual fund returns: what the gap cost over 13 years
- Your fund’s expense ratio was rewritten in 2026. Here is what changed.
Questions
What people ask before they start
Is it a good time to invest when the market is high?
Nobody can time it reliably. A SIP buys across many levels, so it matters less. For a large lump sum, spreading it over six to twelve months can ease regret. Money needed within five years should not sit in equity at all.
Can I lose money in mutual funds?
Yes. Equity funds have fallen by more than a third in 2020 and well over half in 2008, on the broad market. Regulation protects process, not outcomes.
How many funds should I hold?
Usually three to five. Beyond that you tend to buy the same stocks again.
Direct or regular plan?
Direct is cheaper and needs you to choose, monitor and rebalance. Regular costs more and includes a distributor. We show you both on the call.
How much SIP for ₹1 crore?
About ₹13,200 a month over 20 years at an assumed 10%, or ₹10,100 at 12%. Illustrative arithmetic, not a forecast.
NFO tracker
New fund offers open or opening soon
How we work, and how we are paid
Know where the money moves before you hire anyone
You invest with the fund house, and the units are held in your own folio. On regular plans the fund house pays Krishna Vriddhi Capital a commission. You pay no separate fee.
How we are paid. Direct plans carry no commission and are open to you. We explain the trade-off. Full disclosure
We do
- Distribute mutual funds that fit a written plan
- Show every cost before you invest
- Keep units in your own folios
We do not
- Give stock tips or promise returns
- Hold or move your money
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