Tiruppur · Tamil Nadu

How We Work

Our fees, process, and what to expect — explained simply. No jargon, no surprises.

The Short Answer

Your first consultation is free. For mutual funds, we earn a distributor commission from the fund house — not from your pocket. For insurance, we earn a regulated agent commission from the insurer. Everything we earn is regulated by AMFI and IRDAI and disclosed upfront.

01Credentials

Who We Are & What We're Licensed For

NISM Certified Research Analyst

Certified by the National Institute of Securities Markets, the education institute set up by SEBI.

AMFI Registered Mutual Fund Distributor

ARN-345155 — authorised to distribute all SEBI-approved mutual funds in India. NISM Series V-A certified. EUIN: E656674. Mandatory certification for MF advisory in India.

IRDAI Registered Insurance Agent

Registration No. 1911251001 — licensed to advise and distribute life & health insurance products.

APMI Registered PMS Distributor

APRN09158 — registered with the Association of Portfolio Managers in India to distribute portfolio management services.

02 · Fees

Our Fee Model — Plain & Simple

Three ways we can be paid, and none of them comes out of your investment amount.

Mutual Funds — No Direct Charge to You

When you invest in mutual funds through Hatlet Ventures, you invest in Regular Plan funds. The fund house (AMC) pays us a distributor commission — typically 0.5% to 1.0% per year of your invested amount — out of the fund's expense ratio.

This does not reduce your investment amount. If you invest ₹10,000, ₹10,000 is invested. The commission is a separate cost borne by the AMC and is already reflected in the fund's expense ratio (disclosed in the fund's SID).

Regular Plan vs Direct Plan: Regular Plans (through distributors like us) have a slightly higher expense ratio than Direct Plans (bought directly from the AMC). The difference is typically 0.5–1.0% per year. In exchange, you get personalised advisory, goal tracking, portfolio review, and ongoing support.

INS

Insurance — Regulated Agent Commission

For term insurance, health insurance, and life insurance plans, we earn a commission from the insurer as a licensed IRDAI agent. Commission rates are set and capped by IRDAI regulations — they do not vary based on our preference. The insurance premium you pay is the same whether you buy through an agent or directly from the insurer's website.

₹0

Consultation — Always Free

Your first consultation (30–45 minutes, in-office or phone/video) is completely free. You receive a written summary of your financial gaps and recommended next steps — with no obligation to invest. There is no consultation fee, no retainer, and no hidden charges at any stage.

03Process

Our 4-Step Advisory Process

Free Discovery Call (30–45 min)
We understand your income, expenses, existing investments, debts, goals (retirement, education, property), and insurance coverage. You answer — we listen. No sales pitch at this stage.
Financial Gap Analysis & Plan
Sri Balaji maps your goals against your current investments and insurance. We identify under-insurance, over-exposure, tax inefficiency, and missing SIPs. You receive a written summary of recommendations — free, with no commitment required.
Implementation (Only If You Choose)
If you decide to invest, we help you complete KYC, set up SIPs, select appropriate funds, and get the right insurance coverage — handling all paperwork. You remain in full control of every decision.
Ongoing Review & Support
We review your portfolio annually (or as life events demand — job change, marriage, child, home purchase). You can call or WhatsApp anytime for guidance. No additional fee for reviews or support calls.

04Scope

What You Get & What We Don't Do

What You Get

Free initial consultation
Written financial gap report
SIP & fund selection guidance
Insurance needs assessment
KYC & onboarding support
Annual portfolio review
WhatsApp support anytime
Tax saving strategy (80C/80D)
Goal-based planning (SIP calculator)

What We Don't Do

Stock tips or F&O trading
Guaranteed return promises
Managing your portfolio ourselves (we only distribute SEBI-registered PMS, minimum ₹50 lakh)
Crypto advisory
SEBI RIA fee-only advice
Real estate advisory
Commodity trading
Offshore or NRI account opening

05Questions

Common Questions About Our Process

Is the consultation really free? What's the catch?

Yes — genuinely free. We earn only if you invest through us, and even then, the commission comes from the fund house or insurer, not from you. There is no pressure to invest after the consultation.

Should I use Direct Plans instead to save on expense ratio?

Direct Plans have a lower expense ratio (typically 0.5–1% less per year). If you are confident in fund selection, portfolio rebalancing, and goal tracking on your own, Direct Plans are a good option. If you want personalised advice, annual reviews, and ongoing support — Regular Plans through an advisor often deliver better real-world outcomes by avoiding common investor mistakes like panic-selling or wrong fund choices.

Do you recommend products to earn higher commission?

No. AMFI regulations require distributors to follow a suitability-based approach — recommending products appropriate for the client's risk profile and goals. We follow this strictly. Commission rates across most equity funds are similar; recommending one fund over another for commission reasons would be both unethical and a regulatory violation.

Can I invest directly with you, or do I need to visit your office?

We serve clients across Tamil Nadu — including Chennai, Coimbatore, Erode, Salem, Madurai, and beyond — via phone, video call, and WhatsApp. KYC and SIP setup can be completed fully online. In-person meetings are available at our Tiruppur office for those nearby.

Ready to Start Your Free Consultation?

30–45 minutes. No obligation. Walk away with a written financial plan.

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NISM Certified Research Analyst · AMFI ARN-345155 · IRDAI 1911251001 · APMI APRN09158 · Registered June 2020 · Serving Tamil Nadu