Sidhi & Associates

A Demat (Dematerialized) Account holds your shares and securities in electronic form, eliminating physical certificates. It's mandatory for trading stocks, bonds, ETFs, and for holding mutual fund units. Benefits include safe storage, easy trading, no risk of theft/damage, instant transfers, and simplified portfolio management. Required documents: PAN card, Aadhaar, bank proof, and signature.

We offer 100% FREE Demat account opening with leading brokers like Zerodha, Groww, Upstox, and Angel One. There are zero account opening charges. Annual Maintenance Charges (AMC) vary: Groww and Angel One offer lifetime free AMC (conditions apply), while Zerodha and Upstox charge ₹300/year. We help you choose the most cost-effective option based on your needs.

SIP (Systematic Investment Plan) is a disciplined way to invest fixed amounts regularly (monthly/quarterly) in mutual funds. You can start with as low as ₹500/month. It works on rupee cost averaging - buying more units when NAV is low and fewer when high, reducing overall cost. Benefits include: no need for large capital, disciplined investing, power of compounding, and reduced market timing risk. Auto-debit ensures hassle-free regular investment.

Minimum SIP amount varies by fund, typically ₹500-1,000 per month. However, we recommend starting with at least ₹2,000-5,000/month for meaningful wealth creation. You can start multiple SIPs in different funds with smaller amounts (₹500 each). Amount can be increased anytime through top-up SIPs. There's no maximum limit - invest based on your income and financial goals.

Equity mutual funds through SIP have historically delivered 12-15% CAGR over long term (10+ years). However, returns vary based on fund type: Equity funds (12-15%), Hybrid funds (9-12%), Debt funds (7-9%). Past performance doesn't guarantee future returns. Returns depend on market conditions, fund selection, and investment duration. We recommend minimum 5-year horizon for equity SIPs to ride out market volatility and maximize returns.

We work with SEBI registered investment advisors and are associated with SEBI registered mutual fund distributors and brokers. All recommendations are unbiased, goal-based, and aligned with your risk profile. We follow SEBI guidelines, maintain transparency, and ensure all investments are made through regulated entities. Your funds are directly invested with AMCs/brokers; we provide only advisory services.

Yes, SIPs offer complete flexibility (except ELSS with 3-year lock-in). You can: pause SIP for 1-3 months, stop SIP permanently, increase/decrease SIP amount, skip specific installments, or change SIP date. No penalty for stopping. However, we recommend continuing SIPs especially during market downturns - that's when you buy more units at lower prices, maximizing long-term returns.

Required documents: (1) PAN Card - mandatory, (2) Aadhaar Card - for KYC and address proof, (3) Bank account proof - cancelled cheque or bank statement, (4) Passport size photograph, (5) Signature specimen. For NRIs: additional documents like passport, overseas address proof, and PIS permission letter. Entire process is paperless - upload documents online, do video KYC, and account opens in 24-48 hours.

Yes, investments are safe and regulated. Mutual funds are regulated by SEBI, managed by AMCs, and held by custodians. Stocks in Demat accounts are held with NSDL/CDSL (depositories). Your broker cannot misuse your funds/securities. However, market risk exists - values can fluctuate. That's why we recommend: diversified portfolio, long-term investment horizon, regular monitoring, and risk-appropriate allocation. Never invest emergency funds or short-term money in equity.

Demat account opening is completely FREE. For investment advisory: basic SIP planning and fund selection is complimentary. For comprehensive wealth management, portfolio review, and ongoing advisory, we charge nominal fees based on portfolio size and services required. We earn small commissions from brokers/AMCs (already factored in fund prices), ensuring our advisory remains affordable. Transparent fee structure - no hidden charges.