CA · CFA Level II · 10+ Yrs in Capital Markets

Invest with a disciplined guide, not the noise.

Goal-based investment planning from a Chartered Accountant with 10+ years in the capital markets. Mutual funds, equity, tax-efficient strategy — a research-driven, fiduciary-style approach for professionals, business owners, and HNIs.

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NISM Certified ₹2 Cr+ Assets Managed Fiduciary-Style Approach
₹12,000/mo SIP · 15 yrs · 12% CAGR · 10% annual step-up
You invest ~₹46L
~₹1 Cr
estimated value

*Illustrative only. Assumes 12% CAGR with 10% annual SIP step-up. Mutual funds are subject to market risk; actual returns vary. Not a guarantee of returns.

CA
Chartered Accountant
CFA L-II
Level II Cleared
10+ Yrs
Capital Markets
₹2 Cr+
Assets Under Advice
₹2 Cr+ assets under advice
200+ families served
CA-led financial guidance
ARN-323243 AMFI registered
Shubham, Founder of Shubh Capital

Shubham

CA · CFA Level II · Founder
  • Chartered Accountant (CA)
  • CFA Level II cleared
  • NISM Certified
  • 10+ years of capital-market experience
  • Advises salaried professionals, business owners & HNIs
  • ₹2 Cr+ managed for 200+ families
Who You'll Work With

A finance professional, not just a distributor.

Shubh Capital is founded by Shubham — a Chartered Accountant who has cleared CFA Level II, is NISM certified, and brings 10+ years of capital-market experience. You're not getting a call centre or a product-pusher; you're getting a qualified professional who combines investment expertise with taxation, compliance, and strategic financial planning.

Every plan is built with a Chartered Accountant's rigour — analytical, numbers-first, and tax-aware — so your investments are structured not just for growth, but for real, post-tax efficiency. It's a research-driven, fiduciary-style approach: your interests first, always.

You get direct access over call and WhatsApp, goal-based planning rather than product-selling, and ongoing portfolio reviews — so you never invest alone.

Talk to Shubham →
Why Trust Me

Credentials that back the advice

Most mutual fund distributors sell products. I bring a Chartered Accountant's rigour, capital-market depth, and a compliance-first, fiduciary-style approach to every rupee you invest.

CA
Chartered AccountantDeep expertise in taxation, financial structuring, and compliance-first advisory.
CFA
CFA Level II ClearedAdvanced training in investment analysis, equity valuation, and portfolio management.
NISM
NISM CertifiedCertified under SEBI's National Institute of Securities Markets framework.
10+
Years in Capital MarketsA decade of hands-on experience across mutual funds and equity markets.
HNI
Trusted by HNIsAdvising salaried professionals, business owners, and high-net-worth individuals.
⚖
Fiduciary-StyleResearch-driven, transparent, and ethical — your interests come first, always.

A CA who invests the way he'd advise his own family.

Book a Free Consultation →
What We Offer

Services built around your goals

Every recommendation moves you closer to financial freedom — with clarity, consistency, and zero jargon.

📈

SIP Planning

Systematic investment plans matched to your income, goals, and risk profile — with the right funds and step-up strategy.

🎯

Goal-Based Investing

Retirement, child's education, a home, or wealth creation — each goal gets its own roadmap and fund selection.

📊

Portfolio Review

Already investing? Get an overlap analysis, risk check, and rebalancing plan to optimise what you already hold.

💰

Lumpsum & STP

Got a bonus or surplus? We deploy it intelligently — often via Systematic Transfer Plans to reduce timing risk.

🧾

Tax-Saving (ELSS)

Save up to ₹46,800 under Section 80C with ELSS funds — the shortest lock-in among all 80C options.

🏦

Retirement Planning

Build an inflation-adjusted retirement corpus and plan systematic withdrawals for a worry-free second innings.

See all services →
One Relationship, Every Goal

Your one-stop partner for financial life

Mutual funds are where we start — not where we stop. With a Chartered Accountant's perspective, we help you make sense of your whole financial picture, so you're not juggling five different advisors.

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Mutual Fund InvestingSIPs, lumpsum, goal-based portfolios
🧾
Tax PlanningELSS, capital-gains & 80C strategy
🛡️
Insurance GuidanceLife & health cover planning
🎯
Goal & Retirement PlanningEducation, home, retirement corpus
💵
Financial ConsultingCash-flow & portfolio structuring
📋
Investment ReviewsOverlap checks & rebalancing

Not sure where to begin? One free call, and we'll map it all out.

Book Your Free Call →
How It Works

Start investing in 4 simple steps

Free Consultation

Book a no-cost call to discuss your goals, income, and risk appetite. Zero obligation.

Goal Mapping

We map your goals — retirement, education, home — into a clear investment roadmap.

Portfolio Design

We recommend funds suited to your timeline, risk, and tax situation, then set up your SIP.

Monitor & Grow

Ongoing tracking, reviews, and rebalancing — so your plan stays on course.

In Their Words

Investors who chose discipline

★★★★★

"Shubham explained SIPs in a way that finally made sense. Started with ₹5,000/month and I actually understand where my money goes now."

R
Rahul D.Salaried Professional, Vasai
★★★★★

"No pushy selling, no jargon. He reviewed my old portfolio, pointed out overlapping funds, and helped me consolidate. Genuinely helpful."

P
Priya M.Business Owner, Mumbai
★★★★★

"What I value most is that he's always a call away. Markets dipped and instead of panicking, I called him and stayed invested. That's worth a lot."

A
Amit K.Salaried Professional

Testimonials reflect individual experiences and are not indicative of guaranteed outcomes. Investments are subject to market risk.

Let's build your wealth, one disciplined investment at a time.

Book a free, no-obligation consultation with a CA-qualified investment professional. We'll understand your goals and show you a clear, tax-smart path forward.

Book Your Free Call → Call +91 90963 16155
About Shubh Capital

Built on discipline, not speculation.

Led by a Chartered Accountant with CFA Level II and 10+ years in the capital markets — a finance professional who combines investment expertise with taxation, compliance, and strategic planning.

Shubh Capital is founded by Shubham — a Chartered Accountant who has cleared CFA Level II, holds NISM certification, and brings over 10 years of capital-market experience across mutual funds and equities.

The conviction is simple: for most professionals, business owners, and families, the most reliable path to long-term wealth isn't chasing hot tips or timing the market — it's disciplined, research-driven investing aligned to real life goals, structured with taxation and compliance in mind.

We advise salaried professionals, business owners, and HNIs with a fiduciary-style approach: transparent, ethical, and built around your goals rather than any product. We don't chase last year's top performers — we listen, plan, and partner with you for the long run.

As an AMFI-registered distributor, our consultations are completely free — we're compensated through the standard trail commission built into regular plans, so our incentive is aligned with your long-term growth.

Mutual Funds Equity Markets Tax-Efficient Investing Asset Allocation Retirement & Education Planning Portfolio Reviews
Start a Conversation →
Shubham
Shubham
CA · CFA Level II · Founder
Our Mission

Help 1,000+ families achieve financial freedom.

We already manage ₹2 Cr+ in assets for 200+ families — and we're just getting started. Through disciplined, goal-based investing with a Chartered Accountant's rigour, we measure our success by your progress toward the goals that matter to you.

Our Investment Philosophy

The beliefs behind every recommendation

⚖️
Allocation > Selection

How you split across equity, debt, and hybrid matters more than picking any single "best" fund.

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Discipline > Emotion

The biggest returns go to those who stay invested through cycles — not the smartest, the most patient.

⌛
Time > Timing

Time in the market beats timing the market. We build conviction to hold when others panic-sell.

⚙️
Process > Prediction

We follow a repeatable process rather than reacting to every market headline.

🛡️
Risk Management First

We size risk to your capacity, so you hold a portfolio you can actually stay invested in.

🔊
Simplicity > Complexity

Three to five well-chosen funds usually beat a cluttered portfolio of twenty.

Let's build your plan together.

A free consultation is the first step. No pressure, no obligation — just clarity.

Book Your Free Call →Call Now
Our Services

Everything you need to invest with confidence.

From your first SIP to a full retirement plan — structured guidance at every stage, always free of advisory fees.

01
📈

SIP Planning & Management

We calculate the right monthly amount, select suitable funds, set up a step-up strategy, and track your progress every step of the way.

02
🎯

Goal-Based Investing

Retirement, child's education, home down payment, or wealth creation — each life goal gets a dedicated roadmap and fund selection.

03
💰

Lumpsum & STP Strategy

Received a bonus, inheritance, or surplus? We deploy it intelligently — often through Systematic Transfer Plans to reduce market-timing risk.

04
📊

Portfolio Review & Rebalancing

A comprehensive check of what you already hold: fund overlap analysis, risk assessment, and clear rebalancing recommendations.

05
🧾

Tax-Efficient Investing (ELSS)

Save up to ₹1.5 lakh under Section 80C with ELSS funds, plus LTCG-aware structuring to maximise your real, post-tax returns.

06
🏦

Retirement & SWP Planning

Build an inflation-adjusted retirement corpus, then plan Systematic Withdrawal Plans for steady, tax-efficient income later.

07
💵

FD to Mutual Fund Transition

Compare your fixed deposits against tax-efficient hybrid and debt funds that can offer better post-tax, inflation-beating returns.

08
👥

Family & Child Planning

Structured plans for your child's education and family goals, with the right time horizon and risk allocation for each milestone.

09
📱

Digital Onboarding & Support

Fully paperless KYC and account setup via our AssetPlus platform, plus ongoing support over call and WhatsApp whenever you need it.

All consultations are 100% free.

We earn through the standard trail commission built into regular plans — never a separate fee to you.

Book Your Free Call →WhatsApp Us
Plan Your Numbers

See what disciplined investing can build.

Calculate SIP growth, step-up returns, retirement corpus, and withdrawals. Then book a free call to turn these numbers into a real plan.

*All figures are illustrative estimates only. Mutual fund returns are market-linked, not guaranteed, and subject to market risk. Actual results will vary. This is not investment advice — book a consultation for a plan tailored to you.

Turn These Numbers Into a Plan →
Investor Resources

Learn. Understand. Invest wisely.

Free, jargon-light resources to make you a more informed and confident investor.

📘

Basic Mutual Fund Guide

A comprehensive 12-page guide covering fund types, SIP mechanics, compounding, goal-based investing, tax benefits, and common mistakes to avoid.

Download Free PDF (12 pages)
💡

What is a Mutual Fund?

A mutual fund pools money from many investors into a diversified portfolio of stocks or bonds, managed by a SEBI-registered fund manager.

📅

How SIP Works

A Systematic Investment Plan invests a fixed amount monthly. You buy more units when markets are low — rupee cost averaging in action.

📊

Types of Mutual Funds

Equity for growth, debt for stability, hybrid for balance, ELSS for tax saving, liquid for short-term needs — every goal has a fund category.

🧾

Tax on Mutual Funds

Understand STCG and LTCG rules for equity and debt funds. ELSS qualifies for Section 80C deductions up to ₹1.5 lakh per year.

🔐

KYC & Documents

PAN, Aadhaar, and a bank account are all you need to start. KYC is a one-time digital process — we guide you through it.

FAQ

Frequently asked questions

Mutual funds are market-linked instruments regulated by SEBI and designed for long-term wealth creation. While equity funds carry short-term volatility, diversified funds have historically delivered strong positive returns over 7–10 year horizons. We manage risk through diversification and by matching fund type to your risk capacity and time horizon.

SIPs can start from as low as ₹500 per month. For lumpsum, most funds have a minimum of ₹1,000. We typically recommend starting with at least ₹3,000–₹5,000/month and stepping it up annually as your income grows.

No. As an AMFI-registered Mutual Fund Distributor, we earn through trail commission from AMCs, built into the expense ratio of regular plans. No separate fee is charged to you — your consultation is completely free.

Yes. SIPs are flexible and can be modified, paused, or stopped at any time. Except for ELSS funds (which have a mandatory 3-year lock-in), all open-ended mutual fund investments can be redeemed within 1–3 business days.

Simply message us on WhatsApp or call. We'll understand your goals, guide you through digital KYC, and help you set up your first SIP — 100% paperless via our AssetPlus platform.

Get In Touch

Let's start your wealth journey.

First-time investor or reviewing an existing portfolio — we're here to help. The fastest way to reach us is WhatsApp or a call.

📱
WhatsApp / Phone
+91 90963 16155
📧
📍
Office
G-001, Shubham Heritage, Ambadi Road,
Vasai Road (West), Maharashtra
🕐
Availability
Mon–Sat, 10:00 AM – 7:00 PM IST
🛡️
Registration
AMFI Registered MFD · ARN-323243
Chat on WhatsApp Call Now
Ambadi Road Vasai Road
G-001, Shubham Heritage, Ambadi Road
Vasai Road (West) · Tap for directions
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Send us a message

Fill this in and it opens WhatsApp with your details pre-filled — we usually reply within a few hours.

📱 Start Investing Online

Open your account & start a SIP

Register on our AssetPlus partner platform, complete digital KYC, and start investing — fully paperless, in under 10 minutes.

Open Investor Portal →
1
Open the portalVisit our secure AssetPlus link
2
Complete KYCPAN + Aadhaar · about 5 minutes
3
Start your SIPChoose a fund & invest
Legal

Disclaimer & Disclosures

About Shubh Capital

Shubh Capital is a registered Mutual Fund Distributor (MFD) holding AMFI Registration Number (ARN) 323243. We are not a SEBI-registered Investment Adviser (RIA) and do not provide investment advisory services as defined under the SEBI (Investment Advisers) Regulations, 2013.

Risk Disclosure

Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. The information on this website is for general informational purposes only and should not be construed as investment advice, a recommendation, or a solicitation to buy or sell any financial product. Past performance is not indicative of future results. Returns are not guaranteed and depend on market conditions.

Investor Responsibility

Investors should evaluate their financial situation, risk appetite, and investment objectives before making any investment decision.

  • Past performance of a scheme is not indicative of future performance.
  • The NAV of schemes may go up or down depending on factors affecting the securities market.
  • Please consult your tax advisor regarding the tax implications of your investments.
  • ELSS funds have a mandatory lock-in period of 3 years from the date of each installment.

Commission Disclosure

Shubh Capital earns commission from mutual fund companies (AMCs) as permitted under applicable regulations. This commission is built into the expense ratio of regular plans. We do not charge any separate advisory fee to investors. Investors may also choose to invest in direct plans, which have lower expense ratios, directly with the AMC without a distributor — though direct-plan investors do not receive our guidance and ongoing support.

Scheme Documents

For scheme-specific details including expense ratios, risk factors, and portfolio disclosures, please refer to the respective Scheme Information Document (SID), Key Information Memorandum (KIM), and Statement of Additional Information (SAI).

⚠️

Important: Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future returns. Invest based on your own risk appetite and investment horizon after consulting a qualified professional.