Questions We Are
Asked Most Often.

We are an AMFI registered mutual fund distributor. We help you work out how much to put aside and for how long against each of your goals, we execute the transactions, and we stay with the portfolio through the review cycles that follow.

We distribute mutual funds and, alongside them, life, health and general insurance, bonds and fixed income products, and selected AIF and PMS offerings. We are not a SEBI-registered investment adviser and we do not provide investment advice for a fee.

Nothing. You pay us no fee at any point — not to open an account, not to place a transaction, and not for a review.

We are paid a trail commission by the asset management company out of the scheme's expense ratio, which is capped by SEBI. Our commission disclosure sets out exactly how that works.

No. Most schemes accept a SIP from ₹500 a month and many from ₹100. What matters far more than the starting amount is that the instalment continues without interruption and steps up as your income grows.

If your KYC is already complete and validated, the first transaction can usually be placed the same day. If you are new to mutual funds, KYC typically takes two to three working days.

The account and transaction platform is provided by our technology partner. You will receive your own login where you can see holdings, place transactions and pull statements.

In most cases, yes. Existing folios can be brought under our ARN through a change of distributor request, which does not require you to redeem anything and does not trigger any tax event or exit load.

Units bought under a direct plan cannot be moved to a regular plan without a redemption, so those we generally leave exactly where they are.

Through us you buy the regular plan. Its expense ratio includes the trail commission paid to the distributor; a direct plan's does not, so its expense ratio is lower.

The difference buys you service: goal mapping, execution, documentation, transmission and nomination support, and somebody who takes the call when markets fall. Whether that is worth the difference is your decision to make, and we would rather you make it with the numbers in front of you than without.

Your money never passes through us. Payments go directly from your bank account to the asset management company, and redemptions come back directly to the bank account registered on the folio.

The units are held in your name with the AMC and its registrar. A distributor can place and service transactions; it cannot hold or move your money.

Nobody can tell you that, and you should be wary of anyone who does. Mutual fund returns are market linked and are not guaranteed at any horizon.

Every calculator on this site uses an assumed rate that you set yourself. Those illustrations show what compounding does to a given rate — they are not a forecast, a promise or a guarantee.

It depends on when you need the money and how much interim fall you can sit through without selling. Money needed inside three years generally has no business being in equity; money that is genuinely fifteen years away usually should not be sitting in a deposit.

Our asset allocation tool gives you a starting point, and the goal planners work backwards from a target to a monthly number.

Units pass to the registered nominee, who in most cases holds them for the legal heirs rather than owning them outright. Where there is no nomination, the process becomes considerably longer and may require a succession certificate or a probated will.

We help families through transmission at no charge, whether or not the folios were opened through us. The note on nomination and transmission explains what is involved.

For equity oriented schemes, gains on units held twelve months or less are short term and taxed at 20 per cent. Gains on units held longer are long term and taxed at 12.5 per cent, with the first ₹1.25 lakh of long term gains in a financial year exempt.

Rates change with each Finance Act and your own position may differ. Please confirm the treatment with your chartered accountant before acting on it — we distribute products, we do not give tax advice.

Units of specified debt schemes purchased on or after 1 April 2023 are taxed at your slab rate irrespective of the holding period, with no indexation benefit. Older units follow the rules that applied when they were bought.

Hybrid schemes are classified for tax by their equity allocation, so the treatment varies scheme by scheme. Check before you redeem, not after.

KYC is the one-time identity verification every investor in Indian securities markets must complete. If yours was done with valid officially recognised documents and your mobile and email are validated, it carries across all AMCs.

Some older KYC records need to be re-validated before new folios can be opened. We check your status before we begin so there are no surprises.

You will receive account statements from the AMC or its registrar on every transaction, and a Consolidated Account Statement showing all your folios across AMCs. The CAS also discloses the total commission paid to your distributor during the period.

Your platform login shows current holdings and lets you pull capital gains and transaction statements whenever you need them.

Write to us first at gaurav@crestforgewealth.net or call +91 89207 81690. We acknowledge complaints within three working days and aim to resolve them within fifteen.

If you are not satisfied with our response, the escalation route runs through the AMC, then SEBI's SCORES platform, and then the SMART ODR portal. The full path with timelines is on our grievance redressal page.

Our ARN is 333310 and our EUIN is E632935. Both can be verified on the AMFI website under the distributor search. Our CIN is U66190TS2026PTC213737.

Please make every payment in favour of the scheme, never in favour of an individual or a distributor. Any request to do otherwise, from anyone, should be refused and reported.