Fund Selection Policy
Fund Selection Process Flow
Our disciplined 10-step framework ensures that every fund recommended aligns with your financial goals and risk tolerance.
Category Mapping
Matching asset classes to your goals and risk score.
AMC Scrutiny
Evaluating brand reputation, AUM, and management stability.
Rolling Returns
Analyzing performance across 1, 3, and 5-year cycles.
Risk-Adjusted Ratios
Measuring Sharpe, Sortino, and Beta for efficiency.
Expense Ratio Analysis
Optimizing for lower costs to improve net returns.
Manager Track Record
Reviewing fund manager tenure and style consistency.
Portfolio Quality
Checking concentration risk and credit quality (Min AA-).
Riskometer Alignment
Matching scheme risk labels with investor tolerance.
Internal Sign-off
Final validation of the recommended shortlist.
Active Monitoring
Annual performance review and objective replacements.
Suitability Matrix
| Risk Profile | Score Range | Indicative Allocation | Recommended Assets |
|---|---|---|---|
| Conservative | 12 – 19 | Debt: 75% | Equity: 10% | Gold: 15% | Liquid, Short Duration Funds |
| Moderately Conservative | 20 – 26 | Debt: 55% | Equity: 30% | Gold: 15% | Conservative Hybrid, Large Cap |
| Moderate | 27 – 33 | Debt: 35% | Equity: 50% | Gold: 15% | Balanced Advantage, Hybrid |
| Moderately Aggressive | 34 – 40 | Debt: 15% | Equity: 75% | Gold: 10% | Flexi Cap, Large & Mid Cap |
| Aggressive | 41 – 48 | Debt: 5% | Equity: 90% | Gold: 5% | Mid Cap, Small Cap, Sectoral |
Exclusion Criteria
To protect your investments, we immediately exclude funds that meet any of the following red flags:
AMCs under SEBI regulatory action
Schemes with extreme sector concentration
Debt below AA- credit quality
Fund Manager churn (>2 in 3 years)