Mutual Funds
We are directly registered to distribute most of the 2900+ mutual fund schemes in India. One-time, SIP, STP, SWP — whatever you need.
Risk note: Market-linked. Subject to market risk; read all scheme documents.
The shelf we draw from
Access multiple product baskets from us and our partners — spanning mutual funds, fixed income, insurance, and global investments. What enters your portfolio depends entirely on your need — not any sales target.
How to read this page. Products are tools, and a tool is only right in
context. Nothing here is a recommendation. Suitability depends on your goals, horizon, tax
position and risk tolerance — which is what the planning conversation is for. Because we
hold an AMFI Mutual Fund Distributor registration and not a SEBI Investment
Adviser one, the two groups below are kept visibly separate: what we distribute directly under
that registration, and what we bring you through a referral or partner arrangement with a
third party.
Core · under our AMFI registration
Mutual funds, the core of what we do
These sit directly under our AMFI Mutual Fund Distributor registration.
Specialised Investment Funds (SIF)
For informed / HNW investors · ₹10L+The newer SEBI-introduced category that sits between mutual funds and PMS, allowing more flexible strategies at a lower entry point than PMS. We will assess whether the added complexity earns its place in your plan.
Risk note: Higher risk than conventional mutual funds. Minimum investment thresholds apply.
Referral & partner products
Where we act as a referral partner
When these products fit your plan, we connect you with trusted, regulated partners (AMCs, PMS providers, insurers, brokers, or NBFCs) who handle the product execution and ongoing service. In these cases, we may receive a commission or referral fee from the provider.
Portfolio Management Services
Discretionary portfolio management with a concentrated, individually-held portfolio, for investors above the regulatory minimum. We are in the process of taking up PMS distribution and will confirm once empanelment is complete.
Risk note: SEBI minimum investment of ₹50 lakh. Concentrated portfolios carry higher risk.
Alternative Investment Funds
Category I, II and III AIFs — private credit, structured strategies, long-short and venture exposure — for investors who already have the basics fully covered and can accept illiquidity.
Risk note: SEBI minimum investment of ₹1 crore. Illiquid and high risk.
Insurance Solutions — Life & Health
Term life cover sized to your human life value, and health cover for the family including parents where insurers permit. We keep protection and investment as separate jobs, done by separate products.
Risk note: Insurance is a subject matter of solicitation. Read the policy wording carefully.
Global Equity
International diversification through feeder funds, index routes and permitted direct structures, so your portfolio is not entirely dependent on one economy and one currency.
Risk note: Currency risk applies. RBI limits and AMC-level caps may restrict availability.
Fixed Deposits & Bonds
Corporate fixed deposits, government securities, tax-free and taxable bonds, and NCDs — for the part of the portfolio whose job is stability and predictable cash flow rather than growth.
Risk note: Credit risk and interest rate risk apply. Returns are not guaranteed by us.
IFSC GIFT City Investments
For informed / HNW investorsDollar-denominated funds and structures available through India’s International Financial Services Centre — useful for NRIs and for resident investors under the Liberalised Remittance Scheme.
Risk note: Subject to IFSCA regulations and LRS limits. Currency and jurisdiction risk apply.
Demat & Direct Equity Trading
Trading and demat account opening through our broking partners, so that shares, bonds, etc all sit in one place. Direct equity trades are executed on the partner platform, not by us.
Note: Depository and brokerage charges apply as per the Broker & DP’s tariff sheet.
Choosing between them
Three questions we ask before any product
1. What is your risk profile? Does the investment fit your risk-taking ability and your time horizon? A wrong or careless choice here shows up as regret many years later, and will not help you reach your goals.
2. What happens if it falls 30%? Not in theory — in your actual behaviour. A portfolio you abandon at the bottom is worse than a duller one you keep.
3. What is it competing with? Every product has a simpler alternative. If the complicated one cannot beat the simple one after costs and tax, it does not go in.
Start that conversation
Product risk disclosure. Mutual Fund investments are subject to market risks;
read all scheme related documents carefully before investing. SIF, PMS and AIF products carry
SEBI-prescribed minimum investment thresholds and are suitable only for investors who can bear
concentration and liquidity risk. Fixed deposits and bonds carry credit and interest-rate risk
and are not guaranteed by Sunshine Financials. Global and GIFT City investments carry currency
and jurisdiction risk. Insurance is a subject matter of solicitation. Direct equity trades are
executed by our broking partner and carry market and execution risk. For referral and partner
products we earn a referral fee or commission from the partner concerned; see our
Commission Disclosure page. Past performance is not
indicative of future returns.
Next step
Let the plan decide the product
Tell us what the money is for and we will show you the shortest route there — even when that route is the one we earn least on.