Frequently Asked Questions

It takes just three simple steps: (1) reach us on WhatsApp at +91 95412 23377 or visit our office in Mandi Dabwali, (2) complete your one-time KYC (we handle the entire paperwork for you), and (3) choose your first SIP or lumpsum investment based on your goals. Most clients are ready to invest within 24–48 hours.

You need your PAN card, Aadhaar card, a passport-size photograph, and a cancelled cheque or bank statement for bank verification. If your KYC is already done with any SEBI-registered intermediary, you do not need to repeat it — we can verify your status instantly.

You can start a SIP with as little as ₹500 per month in most schemes — some schemes even allow ₹100. There is no upper limit. What matters more than the amount is consistency: a small SIP started today usually beats a big investment postponed to "someday". Try our SIP calculator to see how your amount grows.

Every scheme is available in two plans. A Direct plan is bought without a distributor and has a lower expense ratio, but you research, execute, review and correct everything yourself. A Regular plan includes the services of an AMFI-registered distributor like us — goal planning, scheme selection, portfolio reviews, paperwork, nominee and redemption support — and the AMC pays us a trailing commission from the scheme's expenses.

We deal exclusively in Regular plans and disclose our commission ranges transparently on our Commission Disclosure page, as required by SEBI/AMFI.

Mutual funds in India are tightly regulated by SEBI (Securities and Exchange Board of India) and monitored by AMFI. Your money is held by an independent custodian, not by the AMC or the distributor — so it cannot be misused. However, "regulated" does not mean "guaranteed": the value of your investment moves with the market. Risk can be managed through the right scheme selection and time horizon, which is exactly what we help you with.

Yes — open-ended mutual funds are among the most liquid investments. Redemption money typically reaches your bank account in 2–3 working days (T+2/T+3). Two things to keep in mind: some equity schemes charge a small exit load (usually 1%) if you redeem within the first year, and tax-saving ELSS funds have a 3-year lock-in. We always tell you these details before you invest.

No honest advisor can promise a return — mutual fund returns are market-linked and not guaranteed. Historically, over long periods, diversified equity funds in India have delivered returns meaningfully higher than FDs, while debt funds have been steadier but lower. The right expectation depends on your scheme mix and time horizon. We help you set realistic targets instead of chasing last year's winner.

Under current rules: for equity funds, short-term gains (held under 1 year) are taxed at 20%, and long-term gains (held over 1 year) at 12.5% — with gains up to ₹1.25 lakh per year exempt. Most debt fund gains are taxed at your income slab rate. Tax rules change from time to time, so we review the latest position with you at the time of investment and redemption. Please also confirm with your tax advisor for your specific situation.

NAV (Net Asset Value) is simply the per-unit price of a scheme, declared daily. A common myth is that a ₹15 NAV fund is "cheaper" than a ₹500 NAV fund — it is not. What matters is the percentage growth of the NAV, not its absolute level. You can check any scheme's live NAV and 1-year trend right on our homepage, or compare funds side-by-side.

Nothing serious — the AMC does not charge any penalty, and your SIP simply continues from the next month. Your bank may levy a small mandate-bounce charge, and if installments fail repeatedly (usually three in a row) the SIP may get cancelled. If money is tight, tell us — a SIP can be paused or reduced instead of being stopped altogether.

No — we do not charge investors any advisory or service fee. As an AMFI-registered distributor (ARN-332982), we earn a trailing commission from the mutual fund companies out of the scheme's expense ratio, which we disclose on our Commission Disclosure page. Portfolio reviews, goal planning, KYC help and redemption support are all part of our service at no extra cost.

You get 24×7 access through our Client Login portal and our mobile app (Android and iOS — links at the top of this website), where you can see your portfolio value, returns, and statements. You also receive account statements from the AMCs/RTAs directly. And of course, you can always call or WhatsApp us for a quick portfolio review.

First, reach out to us directly — call +91 95412 23377 or email info@digimutualgoals.com; most issues are resolved the same day. If you are not satisfied, you can approach the concerned AMC's investor service desk, and beyond that, escalate to SEBI through its SCORES portal (scores.sebi.gov.in). All the important regulatory links are on our Important Links page.