Mutual Funds — SIP, SIF, PMS & AIF | The Fastzeal Consulting Group
Mutual funds and managed investments
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Four Ways To Grow Your Money. One Honest Conversation.

SIP, SIF, PMS and AIF — explained simply and matched to your goals, risk appetite and investment size, with no product pushed because it pays us more.

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Mutual Funds

SIP, SIF, PMS and AIF — under one roof.

Investing, without the sales pitch.

Four distinct routes into the markets — we help you understand which one (or which mix) actually fits your situation.

SIP

Disciplined monthly investing in mutual funds, starting from around ₹500 a month.

SIF

Curated, higher-conviction strategies between mutual funds and PMS, SEBI-regulated.

PMS

A personalised equity portfolio held directly in your own name, from ₹50 lakh.

AIF

Access to private equity, venture capital and structured strategies, from ₹1 crore.

1 of 4  Â·  Mutual Fund SIP

SIP — Systematic Investment Plan

A Systematic Investment Plan (SIP) lets you invest a fixed amount into a mutual fund at regular intervals — usually monthly — instead of committing a lump sum. It's one of the simplest ways to build an investing habit, suiting salaried individuals, business owners, students, freelancers and NRIs with an Indian bank account alike.

Budget-friendly

Start from around ₹500 a month and scale up as your income grows.

Disciplined by design

Auto-debit keeps you investing consistently, without relying on willpower.

Rupee cost averaging

Regular instalments smooth out purchase cost across market ups and downs.

Fully liquid*

No lock-in on most open-ended funds. *ELSS funds carry a 3-year lock-in.

Eligibility

  • Resident Indian, 18 years or older, or NRI with NRE/NRO account
  • Valid PAN, mandatory for all investors
  • KYC with an Aadhaar-linked mobile number
  • Bank account with net-banking or mandate facility

Documents needed

  • PAN card & Aadhaar card
  • Cancelled cheque / bank statement
  • Passport (for NRI investors)
  • Signature & nominee details (Aadhaar/PAN/mobile/email)
No hidden feesThere's no account-opening fee, no SIP setup charge and no advisory fee for the consultation and fund recommendation. We don't charge you to start a SIP, and fund selection is matched to your goals and risk profile, not to commission.
2 of 4  Â·  Specialised Investment Fund

SIF — Specialised Investment Fund

A Specialised Investment Fund (SIF) is a newer, SEBI-regulated fund category that sits between traditional mutual funds and PMS — offering more flexible, higher-conviction strategies than a standard mutual fund, at a lower entry point than PMS or AIF. It suits investors who want more than a regular mutual fund but aren't ready for PMS-level minimums.

Differentiated strategies

Access to curated strategies not available in regular mutual funds.

Active management

Professionally managed, higher-conviction portfolios.

Diversification

A useful middle layer between mutual funds and PMS/AIF.

SEBI-regulated

A structured, regulated category, not an unregulated private arrangement.

Eligibility

  • Investors seeking strategies beyond traditional mutual funds
  • Comfortable with a higher minimum investment than a mutual fund
  • Comfortable with moderately higher risk than a mutual fund
  • KYC-compliant investor

Documents needed

  • PAN card & Aadhaar card
  • Bank statements (last 6 months)
  • KYC & risk profile declaration
Minimum investment & feesThe minimum investment is higher than a mutual fund and lower than PMS, as set by SEBI's SIF regulations — we'll walk you through the exact figure for each scheme considered. Management and advisory fees vary by scheme, and we explain the fee structure transparently before you commit, with no hidden charges.
3 of 4  Â·  Portfolio Management Services

PMS — Portfolio Management Services

Portfolio Management Services (PMS) build and actively manage a personalised equity or debt portfolio held directly in your own name and demat account — not pooled like a mutual fund. A professional portfolio manager runs it according to your risk appetite and goals, suited to investors wanting a more active, concentrated approach.

Tailor-made portfolios

Built around your specific objectives, not a pooled strategy.

Professional managers

Access to experienced portfolio managers across SEBI-registered PMS houses.

Differentiated potential

Scope for returns distinct from standard mutual fund outcomes.

Transparent reporting

Regular, detailed tracking of your portfolio and its performance.

Eligibility

  • Indian resident or NRI, 18 years or older
  • Minimum investment of ₹50 lakh (SEBI-mandated)
  • KYC-compliant, with demat and bank account

Documents needed

  • PAN card & Aadhaar (mobile-linked)
  • Bank account proof (cancelled cheque / statement)
  • Demat account proof (CMR / DP slip)
  • KYC form
CostingPMS houses typically charge a fixed advisory fee (roughly 1.5%–2.5% p.a.) and/or a profit-share above a hurdle rate, depending on the scheme and provider. We compare options across leading SEBI-registered PMS providers and explain the exact fee structure before you commit — with no setup fee from our side.
4 of 4  Â·  Alternative Investment Fund

AIF — Alternative Investment Fund

Alternative Investment Funds (AIF) are SEBI-regulated (under the AIF Regulations, 2012) pooled vehicles investing in non-traditional assets — private equity, venture capital, structured debt and pre-IPO opportunities. Category I covers startups, SMEs, infrastructure and social ventures; Category II covers private equity, debt and structured finance (the most common); Category III covers hedge-fund-style, long-short strategies.

Beyond public markets

Opportunities not available through listed mutual funds or stocks.

Niche diversification

Exposure to private and structured sectors most portfolios lack.

Professional management

Run by experienced AIF managers under SEBI oversight.

For sophisticated investors

Suited to HNIs, family offices and corporates building a fuller portfolio.

Eligibility

  • Minimum investment of ₹1 crore (₹25 lakh for AIF employees/directors)
  • Typically HNIs, corporates, NRIs or family offices
  • Moderate-to-high risk appetite, KYC-compliant

Documents needed

  • Individuals: PAN, Aadhaar, passport (NRIs), address & income proof, cancelled cheque, FATCA/CRS declaration
  • Entities: PAN & incorporation certificate, registered address proof, board resolution, authorised signatory details, audited financials
CostingManagement and performance fees vary by fund category and scheme, and are set by the AIF manager, not by FCG. Our role is advisory and facilitation — we explain the fee structure transparently for every fund considered before you commit.
How it works

One process, across all four options.

Whether it's a ₹500 SIP or a ₹1 crore AIF commitment, we never recommend a product before understanding your situation.

Start your enquiry
01

Free consultation

We understand your financial goals, time horizon, risk appetite and investable amount — no obligation to proceed.

02

KYC & documentation

We guide you through the exact KYC and paperwork needed for SIP, SIF, PMS or AIF, whichever applies.

03

Recommendation & structuring

We recommend the option, or mix of options, that genuinely fits your profile, and explain fees upfront.

04

Setup

We help you complete onboarding, from SIP mandates to PMS/AIF account setup, start to finish.

05

Ongoing review

We track performance and review your portfolio periodically as markets and goals change.

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FAQ

Common questions about SIP, SIF, PMS & AIF

What clients usually ask before they start.

How much do I need to start a SIP?
Most mutual fund SIPs can be started from around ₹500 a month. We help you decide an amount that fits your budget and goals, with no account-opening or setup fee.
What exactly is a Specialised Investment Fund (SIF)?
SIF is a newer, SEBI-regulated fund category that sits between mutual funds and PMS — offering more flexible, higher-conviction strategies than a mutual fund, at a lower minimum than PMS or AIF.
How is SIF different from a mutual fund or PMS?
Mutual funds suit a broad range of investors at a low entry point. PMS is a fully personalised portfolio from ₹50 lakh. SIF sits in between — more concentrated and actively managed than a mutual fund, but with a lower minimum than PMS.
What is the minimum investment for PMS?
SEBI mandates a minimum investment of ₹50 lakh for PMS. We help you evaluate if this fits your overall portfolio before you commit.
In PMS, will I own the stocks directly?
Yes. Unlike a mutual fund, PMS holds securities directly in your own name and demat account, managed on your behalf by a professional portfolio manager.
What is the minimum investment for an AIF?
SEBI sets a minimum of ₹1 crore for AIF investors, lowered to ₹25 lakh for employees or directors of the AIF itself.
What are the different AIF categories?
Category I covers startups, SMEs, infrastructure and social ventures. Category II, the most common, covers private equity, debt and structured finance. Category III covers hedge-fund-style strategies, including derivatives and long-short positions.
Are you tied to a specific fund house or provider?
No. Across SIP, SIF, PMS and AIF, we compare options across multiple providers and recommend what genuinely suits your profile, not what pays us the most.
Can you help with an existing portfolio?
Yes. We offer a free portfolio review to check if your current investments across any of these categories still match your goals and risk profile.
Is the first consultation free?
Yes. The initial enquiry and consultation is completely free, with no obligation to proceed, regardless of which option you're considering.

Ready to put your money to work?

Honest guidance across SIP, SIF, PMS and AIF — talk to our wealth desk today.

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+91 82086 34609

Office

Hinjawadi Phase II, Pune, Maharashtra