Products
What we actually put your money into.
Seven regulated product families, explained plainly. Which ones you need is the outcome of a conversation, not the start of it.
AMFI Reg. ARN 187441
Mutual funds
Mutual funds pool money from multiple investors and invest it across various financial instruments based on a defined investment objective. They offer professional fund management, diversification and access to different asset classes. Investors can choose funds based on their financial goals, investment horizon and risk appetite.
Mutual funds are broadly categorised based on the underlying assets and investment strategy. Major categories include equity, debt, hybrid, sectoral/thematic and other specialised funds. Each category carries a different level of risk and return potential, making asset allocation an important consideration.
Equity-based
Equity mutual funds primarily invest in shares of listed companies across different market segments and sectors.
They aim to generate long-term capital appreciation and are generally suitable for investors with a longer investment horizon.
Options include large-cap, mid-cap, small-cap, flexi-cap, multi-cap and other equity-oriented funds.
Debt-based
Debt mutual funds invest in fixed-income securities such as government securities, corporate bonds, treasury bills and money market instruments.
They can be considered for relatively stable returns, income generation and portfolio diversification, depending on the fund category.
Investors should evaluate interest-rate risk, credit risk and their investment horizon before investing.
Hybrid-based
Hybrid funds invest in a combination of equity, debt and, in some cases, other asset classes.
They aim to balance growth potential with relatively lower volatility through diversification and asset allocation.
Popular categories include aggressive hybrid, balanced advantage, multi-asset allocation and conservative hybrid funds.
Sectoral & thematic
Sectoral funds invest primarily in a specific sector, such as banking, technology or healthcare, while thematic funds invest around a broader investment theme.
These funds can benefit from long-term structural opportunities and changing economic trends.
However, their concentrated nature can lead to higher volatility and requires careful portfolio allocation.
Other categories
Mutual funds also offer specialised categories such as index funds, ETFs, international funds, gold funds and fund of funds.
These products help investors access specific markets, asset classes or investment strategies.
The right choice depends on an investor’s financial goals, diversification needs and overall portfolio strategy.
SIF
Specialised Investment Funds
Specialised Investment Funds (SIFs) are designed to offer more flexible and specialised investment strategies within the regulated investment framework.
They can provide investors with access to differentiated approaches and a broader range of portfolio management strategies.
Given their specialised nature, investors should understand the strategy, risks, suitability and investment requirements before investing.
Fixed income
Bonds and fixed deposits
Bonds and fixed deposits are popular fixed-income investment options that can provide predictable income and capital stability.
Fixed deposits offer a predetermined interest rate, while bonds may provide periodic interest payments and can carry interest-rate and credit risks.
Choosing between them should depend on factors such as safety, liquidity, return expectations, taxation and investment tenure.
GIFT IFSC
GIFT City
GIFT City (Gujarat International Finance Tec-City) is India’s first International Financial Services Centre (IFSC), located in Gandhinagar, Gujarat, regulated by the International Financial Services Centres Authority (IFSCA). It enables international financial services to be conducted from India in foreign currencies, serving NRIs, global investors, and foreign institutions.
Investing in India through a global financial gateway
IFSCA-regulated, USD-denominated funds offering global investors access to India’s public and private markets.
Why invest through inbound funds?
- Seamless access to India’s growth story
- International investment standards
- USD-based investment platform
- Optimised tax efficiency
- Institutional diversification
Sophisticated global diversification
IFSCA-regulated funds offering access to global equities, thematic strategies, fixed income, and alternative assets across international markets.
Why invest through outbound funds?
- Access the world’s leading markets
- Strategic global diversification
- Capture global innovation
- USD-denominated investment platform
- Transparent & efficient framework
Investment solutions
Designed for every investor — from retail investors and HNIs to UHNIs, family offices, and global institutions. Figures above are minimum investments.
AIF
Alternative Investment Funds
SEBI-regulated funds providing eligible investors access to professionally managed private market opportunities beyond traditional equity and fixed income.
Why alternative investments?
- Diversification beyond traditional assets
- Access to exclusive investment opportunities
- Professionally managed investments
- Long-term wealth creation
Investment strategies
- Private credit
- Private equity
- Venture capital
- Infrastructure
- Real assets
- Special situations
A strategic allocation for sophisticated investors. An increasingly important allocation for HNIs, UHNIs and family offices, complementing equity and fixed income with access to private markets and institutional-quality strategies.
APMI Reg. APRN03956
Portfolio Management Services
A professionally managed portfolio held in your own name, run to a defined mandate rather than pooled with other investors. PMS carries higher minimums than mutual funds and suits investors whose size and circumstances warrant a bespoke portfolio. Finsherpa is registered with the Association of Portfolio Managers in India (APRN03956, valid to 10 March 2028).
IRDAI Corporate Agent CA1100
Insurance
Finsherpa is a composite corporate agent offering insurance solutions from leading insurers in India to meet the diverse needs of individuals and businesses.
Life insurance
- Term life insurance
- Endowment plans
- Whole life insurance
- Unit Linked Insurance Plans (ULIPs)
- Child plans
- Retirement plans
Health insurance
- Individual health plans
- Family floater plans
- Critical illness insurance
- Top-up plans
General insurance
- Motor insurance
- Home insurance
- Travel insurance
- Commercial insurance
Corporate solutions
- Group health insurance
- Group life insurance
- Employee benefits packages
Custom packages
- Bespoke insurance plans
Why choose us?
- Wide range of products
- Expert advice
- Transparent process
- Personalized service
- Claims assistance
Insurance desk: +91 98414 46161
insurance@finsherpa.com
Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns are not guaranteed and past performance does not indicate future results. Minimums and eligibility for PMS, AIF and GIFT City products are set by regulation and the product provider. Full registrations and commission disclosure: Regulatory & compliance.
Not sure which of these you need?
That’s the point of the first call. Thirty minutes, free, and you leave with one clear next step.
Talk to a sherpa