Fund Selection Policy

Fund Selection Process Flow

A transparent, evidence-based process for fund recommendations, free from any commission bias

Align asset classes with your financial goals and risk profile.

Scrutinize brand reputation, assets under management, and organizational stability.

Assess performance consistency across 1-, 3-, and 5-year periods.

Evaluate Sharpe, Sortino, and Beta to measure risk-adjusted returns.

Prioritize schemes with competitive expense ratios for long-term value.

Examine fund manager tenure, investment style, and consistency.

Analyze diversification, concentration risk, and credit quality.

Ensure scheme risk labels match investor tolerance levels.

Conduct final sign-off before recommending shortlisted funds.

Perform annual reviews and replace underperforming schemes objectively.

Exclusion Criteria

AMCs under SEBI regulatory action — excluded to ensure compliance integrity.
Schemes with excessive sector concentration — avoided to maintain balanced diversification.
Debt instruments below certain credit quality.
Fund manager churn exceeding two changes within three years — excluded to preserve management continuity and accountability.