FAQ
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General
General questions
FinSec Vision is an AMFI-registered Mutual Fund Distributor. Investment transactions execute directly with the respective AMCs — we facilitate, advise and report.
You can begin a Systematic Investment Plan (SIP) with as little as ₹500 per month. Lumpsum investments typically start at ₹5,000 depending on the scheme.
Fees
Fees questions
We earn standardized AMFI-regulated distributor commissions paid by the AMC — there is no fee billed to you separately. All commission disclosures are available on request.
Portfolio
Portfolio questions
No. Your investments stay in your name with the AMC. We advise, transact on your authorisation, and provide consolidated reporting.
Risk
Risk questions
No mutual fund return is guaranteed. Returns depend on market performance and the scheme’s investment strategy. Past performance is not indicative of future results.
Tax
Tax questions
Equity funds attract 10% LTCG above ₹1 lakh of gains held over one year, and 15% STCG below that. Debt funds are taxed at your slab rate from 2023 onwards. Specific cases vary — we recommend personalised tax advice.
SIP
SIP questions
Yes. Most AMCs allow pausing for 1–3 months or stopping a SIP with a few business days’ notice. We help process either request the same day.
A Step-Up SIP automatically increases your monthly contribution by a chosen percentage every year — typically 10%. It aligns your investing with your income growth.
Withdrawal
Withdrawal questions
Open-ended funds settle in T+1 to T+3 business days. ELSS (tax-saving) funds have a 3-year lock-in. Liquid funds are near-instant for redemptions under ₹50,000.
Onboarding
Onboarding questions
Yes. We complete e-KYC via Aadhaar OTP, eSign mandates, and activate SIPs digitally. Most clients are fully set up within 48 hours of the discovery call.
NRI
NRI questions
Yes. We support NRE, NRO and FCNR account routing across most AMCs. Note: US and Canadian NRIs face FATCA-related restrictions on certain AMCs.
Insurance
Insurance questions
We advise on term, health and life insurance — independently. Where appropriate we coordinate with IRDA-licensed partners; we do not push insurance as an investment product.
Loans
Loans questions
We help benchmark rates across banks and NBFCs, prepare the documentation and assist with negotiation. We do not lend directly.
Privacy
Privacy questions
Your personal data is stored on encrypted-at-rest infrastructure with role-based access. We never sell or share data with third parties beyond regulatory requirements.
Support
Support questions
We’re reachable Mon–Sat between 9:30 am and 7:00 pm IST — by phone, WhatsApp, or email. Emergencies (e.g. blocked transactions) are handled the same day.
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