Holistic Financial & Life Planning

Financial Freedom.
Life Clarity & Generational Security.

IRAH SERVICES LLP is committed to helping individuals and families achieve long-term financial freedom, life clarity, and intergenerational wealth security through holistic financial and life planning solutions.

20+ Years
Experience in the Field
In the financial services industry
₹55 Cr
AUM Approx.
Assets under distribution & facilitation
150
Clients
Families & high-conviction relationships
50+
Financial Industrial Partnerships
Institutional AMC & ecosystem tie-ups
Operating Verticals

Integrated Multi-Line Capabilities

An overview of the three distinct operating verticals of IRAH Services LLP.

FLAGSHIP
📈

Financial Services

Comprehensive wealth facilitation spanning mutual funds, high-conviction PMS, alternative investment funds, SIF, fixed income, and estate planning.

Financial Services Details →
COMING SOON
✈️

Tourism Packages

"Discover More. Travel Better." Experiential travel vertical developing curated domestic circuits, international itineraries, and corporate retreats (planned late 2026).

Preview Travel Verticals →
EDUCATION
🎓

Financial Education Services

"Learn before you invest." Building lifelong financial capability through structured youth literacy modules, budgeting workshops, and corporate wellness sessions.

Explore Education Academy →
Corporate Profile & Governance

About IRAH Services LLP

A multi-line enterprise delivering professional financial distribution, an upcoming tourism vertical, and dedicated investor education frameworks.

Guiding Direction & Philosophy

Four Commitments to Long-Term Wealth & Clarity

Our multi-generational philosophy aligns every investment decision with life clarity and family resilience.

🌐

1. Holistic Life & Financial Planning

A comprehensive approach covering investments, insurance, retirement, inheritance, and estate transition planning to protect what matters most.

🎯

2. Goal-Based Wealth Creation

Strong focus on goal-based financial planning and sustainable wealth creation tailored to your family's authentic milestones and time horizons.

🛡️

3. Family Security & Peace of Mind

Designed to enable financial independence, long-term security, and enduring peace of mind across generations with structured risk mitigation.

🌱

4. Youth Financial Literacy

Focused on building financial literacy among young minds by teaching the value of money, budgeting habits, and responsible money management.

Corporate Registry & Operating Framework

Corporate Structure & Statutory Governance

Incorporated under the Limited Liability Partnership Act, 2008 (Ministry of Corporate Affairs, Govt. of India), IRAH Services LLP operates with an institutional open architecture, strict direct clearing, and verified statutory compliance.

Official MCA Incorporation Record

IRAH SERVICES LLP

LLPIN: ACU-3761 PAN: AALFI9430M

Statutory Identifiers

Legal Constitution: Limited Liability Partnership (LLP Act, 2008)
Incorporation Date: 15th January 2026
Central Registry: Ministry of Corporate Affairs (CRC Manesar)
Statutory Codes: LLPIN: ACU-3761 | PAN: AALFI9430M | TAN: RTKI06212D | GSTIN: 06AALFI9430M1ZW
Registered Office: Flat 1A 801 Suncity, Parikarma Group Housing, Sector 20 Panchkula, Panchkula- 134117, Haryana, India

Operating Boundaries & Hub

Operational Hub: Chandigarh, Panchkula, Mohali (Tri-City Region)
Direct Contact: [email protected] | +91 9779776119, +91 8558822528
Distributor Standing: AMFI-Registered Mutual Fund Distributor (ARN registration in process)
Institutional Referral: PMS (₹50L+), AIF (₹1Cr+), and SIF via licensed SEBI entities
Settlement Security: 100% direct clearing through BSE StAR MF / NSE NMF II or direct AMC banking. Zero client money handled.
🏛️

Institutional Open Architecture

Solutions across Mutual Funds, PMS, AIF, and SIF are curated from premier SEBI-registered fund houses and portfolio managers, ensuring objective alignment with client objectives.

🔒

Direct Clearing & Custody

All investment transactions execute directly through regulated stock exchange clearing infrastructure or AMC banking channels, guaranteeing complete segregation and fiduciary security.

📜

Fiduciary Transparency

Zero advisory fees or hidden transaction charges. All distributor commissions follow AMFI guidelines and are available in writing. Review our full Disclosures and Investor Charter.

Multi-Vertical Overview

Our Business Lines

IRAH Services LLP structures its operations across three distinct verticals, providing a unified destination for regulated financial distribution, upcoming travel packages, and investor literacy.

FLAGSHIP

1. Financial Services

The principal commercial engine of IRAH Services LLP. We provide end-to-end access to Mutual Funds, PMS, AIFs, Specialised Investment Funds (SIF), Fixed Income Bonds, and Structured Products.

Go to Financial Services Suite →
COMING SOON

2. Tourism Packages

"Discover More. Travel Better." Experiential travel vertical curating domestic escapes (Rajasthan), international circuits, and corporate offsites. Planned for late 2026, subject to change.

Explore Tourism Preview →
ACADEMY

3. Financial Education Services

"Learn before you invest." Comprehensive financial education programs, masterclasses on asset allocation, and corporate workshops to cultivate long-term investor discipline.

Explore Education Programs →
Flagship Commercial Vertical

Products Available Through IRAH

Regulated investment solutions, portfolio management, alternative funds, fixed income, and specialized planning tools—distributed or facilitated through SEBI-registered fund houses, managers, and authorized institutions.

Institutional Wealth Architecture

Regulated Financial Solutions Suite

IRAH Services LLP operates as an AMFI-Registered Mutual Fund Distributor and institutional referral partner. All assets remain in the direct custody of SEBI-registered entities, with transparent execution and strict adherence to statutory parameters.

Open-Architecture Distribution

Mutual Funds

Systematic investment plans (SIP) and lump-sum allocations across equity, hybrid, and fixed-income schemes from SEBI-registered Asset Management Companies (AMCs).

Asset Holding
Direct AMC / Demat
Direct unit holding in investor's name
Execution Channel
BSE StAR MF / NSE NMF II
Recognized exchange platforms
Commercial Model
Regular Plans
Zero advisory fee charged by IRAH
Settlement Security
Direct Clearing
IRAH never handles client money
Growth & Compounding

Equity & Multi-Cap Schemes

High-quality diversified equity allocations including Flexi-Cap, Large-Cap, and Mid-Cap strategies for generational capital appreciation and long-term inflation beating.

Horizon: 5+ Years Statutory Riskometer
Asset Allocation

Dynamic & Hybrid Strategies

Rule-based dynamic asset allocation and balanced advantage funds that automatically rebalance equity and debt exposures to manage volatility and protect capital during market swings.

Horizon: 3–5 Years Statutory Riskometer
Treasury & Stability

Corporate Bond & Liquid Funds

High-quality debt and liquidity management solutions designed for contingency reserves, corporate cash parking, and scheduled cash flow needs with high liquidity.

Horizon: Short to Medium Term Statutory Riskometer
Distributor Credentials and Compensation: IRAH Services LLP is an AMFI-Registered Mutual Fund Distributor (ARN registration in process of allotment by AMFI India). Distributors are compensated by AMCs through Regular plans, whose total expense ratio includes distributor commission; Direct plans carry no distributor commission and can be bought directly from the AMC. IRAH charges clients no transaction or advisory fee. Scheme-level commission details are provided in writing on request.

Mutual fund investments are subject to market risks, read all scheme related documents carefully. Payments are made only directly to the AMC or via BSE StAR MF / NSE NMF II. Client money never passes through IRAH Services LLP.

Discuss Your Mutual Fund Portfolio

Connect with our wealth desk for open-architecture scheme selection and SIP planning.

Talk to Mutual Fund Desk →
Managed Portfolios

Portfolio Management Services (PMS)

High-conviction equity and multi-asset strategies managed by SEBI-registered Portfolio Managers under discretionary or non-discretionary mandates, held in the investor's own Demat account.

Statutory Minimum
₹50 Lakhs
Mandatory SEBI regulatory threshold
Account Ownership
Direct Demat
Held in client's individual/entity PAN
Manager Mandate
Discretionary / Non-Discretionary
SEBI-registered portfolio managers
Reporting & Governance
Quarterly SEBI Reports
Independent annual portfolio audits
Concentrated Alpha

Core High-Conviction Equity

Focused portfolios of 15 to 25 carefully evaluated companies with robust corporate governance, sustainable pricing power, and long-term earnings expansion.

SEBI Minimum: ₹50 Lakhs HNI Solution
Macro & Emerging Themes

Thematic & Sector Mandates

Targeted exposure to high-growth structural economic tailwinds including domestic manufacturing, technology innovation, and infrastructure transformation.

SEBI Minimum: ₹50 Lakhs HNI Solution
Capital Preservation

Multi-Asset & Absolute Return

Disciplined multi-asset strategies balancing equities, debt, and hedging instruments to achieve stable real compounding with calibrated downside control.

SEBI Minimum: ₹50 Lakhs HNI Solution
Facilitation & Regulatory Framework: PMS is offered by SEBI-registered Portfolio Managers; IRAH Services LLP facilitates access through distribution and referral arrangements only, is not a SEBI-registered Investment Adviser, and does not manage portfolios or give investment advice. Minimum statutory investment is ₹50 Lakhs. Investments are subject to market risks, including loss of capital. Client funds and securities are held in the investor's own accounts; IRAH never receives them.

Returns are not guaranteed. Past performance of any portfolio manager is not indicative of future returns. Review the Disclosure Document (Form C) provided by the portfolio manager before investing.

Evaluate Portfolio Management Strategies

Consult with our relationship team to review manager track records and investment philosophies.

Enquire on PMS Allocation →
Alternative Investments

Alternative Investment Funds (AIF)

Privately pooled investment vehicles regulated under SEBI (AIF) Regulations, 2012, catering to eligible family offices, institutional investors, and high-net-worth individuals.

Statutory Minimum
₹1.00 Crore
SEBI Regulatory Ticket (₹25L for angels)
Vehicle Structure
Category I / II / III
Private Placement Memorandum (PPM)
Asset Custody
Independent Custodian
Designated Fund Escrow Accounts
IRAH Role
Referral Facilitation
Direct relationship with SEBI-registered AIF
Early Stage & Infrastructure

Category I AIF

Investments in start-ups, early-stage enterprises, social ventures, and critical infrastructure funds with government-encouraged economic priority focus.

SEBI Minimum: ₹1.00 Crore Close-Ended
Private Equity & Credit

Category II AIF

Growth-stage private equity, structured private debt, real estate yield, and pre-IPO opportunities operating without leverage outside operational necessities.

SEBI Minimum: ₹1.00 Crore Close-Ended
Hedge & Complex Strategies

Category III AIF

Long-short equity, quantitative trading, and derivative-linked funds aimed at generating uncorrelated returns across diverse market cycles.

SEBI Minimum: ₹1.00 Crore Open / Close-Ended
Risk and Facilitation Notice: AIFs involve substantial investment risk, illiquidity, and multi-year commitment periods; read the Private Placement Memorandum (PPM) carefully before allocating capital. IRAH Services LLP facilitates access through referral arrangements with SEBI-registered Category I/II/III AIF managers, does not manage funds, and does not provide investment advice. Statutory minimum investment is ₹1.00 Crore. Client funds are paid directly to the AIF's designated escrow account.

AIF investments are suited strictly for qualified investors capable of evaluating private market risks. Secondary liquidity is restricted per scheme regulations.

Explore Alternative Investment Funds

Discuss institutional private market opportunities and PPM documentation with our team.

Enquire on AIF Opportunities →
Specialised Mutual Funds

Specialised Investment Funds (SIF)

SIF is a SEBI-defined mutual fund category for investors with a minimum investment of ₹10 Lakhs, bridging traditional mutual funds and PMS with controlled derivative short positions.

Statutory Minimum
₹10 Lakhs
Per investor across fund house SIF schemes
Regulatory Class
SEBI Mutual Fund
Governed under SEBI (MF) Regulations
Short-Position Capability
Derivative Overlays
Permitted controlled derivative shorts
Distribution Route
AMFI-Registered MFD
Direct clearing to fund house
Equity Hedging

Equity Long-Short Strategies

Combines core long equity holdings with selective derivative-based short positions, designed to cushion market downturns while preserving upside participation.

SEBI Minimum: ₹10 Lakhs Specialised MF
Sector Rotation

Ex-Top 100 Long-Short

Dynamic stock and sector rotation beyond the top 100 benchmark companies, deploying pairs trading and tactical hedges to capture niche alpha.

SEBI Minimum: ₹10 Lakhs Specialised MF
Fixed Income Yield

Debt Long-Short & Hybrid

Fixed-income and hybrid strategies utilizing derivative contracts to actively hedge interest-rate movements and optimize credit yield across market cycles.

SEBI Minimum: ₹10 Lakhs Specialised MF
Compliance Note: SIF schemes are offered by SEBI-registered AMCs. IRAH Services LLP is an AMFI-Registered Mutual Fund Distributor (ARN registration in process of allotment by AMFI India) and facilitates access only. All scheme information documents (SID) and Key Information Memorandums (KIM) should be reviewed prior to investment. Minimum statutory threshold is ₹10 Lakhs per investor aggregated across the AMC's SIF offerings.

SIF strategies involve derivative and short-position risks and may lose value rapidly. Redemption terms and exposure limits are set in each scheme's SID. Payments move only directly to the AMC or via recognized exchange platforms.

Understand Specialised Investment Funds

Connect with our wealth desk to review SIF scheme parameters and eligibility guidelines.

Enquire on SIF Allocations →
Fixed Income & Capital Gains

Bonds, NCDs & 54EC Capital Gains

Predictable fixed-income securities, rated corporate debentures, and Section 54EC capital gains tax exemption instruments issued by public sector enterprises.

54EC Statutory Cap
₹50 Lakhs
Aggregate per financial year & next
54EC Lock-In
5 Years
Cannot be transferred or pledged
54EC Issuers
REC, PFC, IRFC, NHAI
Government-owned public enterprises
Settlement Mode
Direct to Issuer
Demat credit via exchange / RTA
Tax Optimization

Section 54EC Capital Gains Bonds

Exempt long-term capital gains tax arising from the sale of land or building by investing within 6 months of transfer. Issued by REC, PFC, IRFC, and NHAI with annual taxable coupon.

Tenor: 5-Year Lock-in Govt. Enterprise
Regular Income

Rated Corporate NCDs

Secured and senior non-convertible debentures issued by CRISIL/ICRA rated corporates and NBFCs, providing scheduled interest payouts across 1 to 7 year tenors.

Tenor: 1–7 Years Credit Rated
Gold Exposure

Sovereign Gold Bonds (Secondary)

Government of India gold bonds issued by RBI, tradeable on stock exchanges at market price, offering 2.5% p.a. semi-annual interest alongside gold price movement.

Secondary Market Sovereign Benchmark
Credit & Statutory Risk Disclosure: NCDs and corporate bonds carry issuer credit, interest-rate, and liquidity risks; credit ratings may change over time. 54EC bonds are issued by the named government-owned entities and are not sovereign-guaranteed or guaranteed by IRAH Services LLP. Payments are made directly to the issuer or through authorized exchange clearing; IRAH never handles client money.

Consult with a qualified tax practitioner regarding individual eligibility under Section 54EC of the Income Tax Act, 1961.

Plan Capital Gains & Fixed Income

Facilitate your Section 54EC bond investments and rated corporate debt allocations.

Enquire on Bonds & 54EC →
Market-Linked Debentures

Market-Linked Debentures (MLDs) & Structured Notes

Debt securities whose redemption value is linked to underlying financial benchmarks such as equity indices or government yields, structured for institutional downside management.

Issuer Profile
AAA / AA+ Rated Issuers
Tier-1 regulated financial institutions
Tenor & Payoff
Per Term Sheet
Defined payoff formula at maturity
Asset Holding
Direct Demat
Depository credit via NSDL / CDSL
IRAH Role
Referral Facilitation
No proprietary issuance or structuring
Capital Preservation

Principal Protected Structures

Debt instruments engineered with complete face value protection at maturity by the issuer, coupled with upside participation in equity benchmark indices.

Tenor: Per Term Sheet AAA/AA+ Rated
Calibrated Participation

Capped Participation Notes

Targeted market exposure allowing enhanced upside participation up to a predetermined maximum yield cap, balancing growth potential with risk mitigation.

Tenor: Per Term Sheet Market Linked
Fixed Income Security

Secured Credit Debentures

Senior secured debt instruments offering defined coupon schedules, supported by underlying asset cover and extensive credit disclosures in the offer document.

Tenor: Per Term Sheet Senior Secured
Statutory Risk Disclosure: Structured products and MLDs carry counterparty credit risk of the issuing institution. They are non-equity pass-through debt instruments with tax implications as per Finance Act provisions. Principal protection, where offered, is solely an obligation of the issuer and is not guaranteed by IRAH. In the event of issuer insolvency, capital may be lost. Facilitated through authorized issuer arrangements for eligible clients only.

Exit prior to maturity is subject to secondary market liquidity and prevailing prices, which may be below face value. Read the issuer Information Memorandum thoroughly.

Evaluate Structured Opportunities

Discuss issuer term sheets, payoff scenarios, and credit ratings with our institutional desk.

Enquire on Structured Notes →
Experiential & Lifestyle Vertical

Tourism Packages

"Discover More. Travel Better." An upcoming travel vertical preparing curated domestic and international itineraries. Planned for late 2026, subject to change.

COMING SOON EARLY ACCESS WAITLIST

Curated Itineraries & Corporate Travel Previews

A preview of our planned travel vertical. Currently under development with curated domestic circuits (Rajasthan), international routes, and corporate travel coordination.

No bookings, reservations or payments are accepted at this stage. Itineraries are indicative and in planning; none is bookable yet. Joining the waitlist records your interest only and creates no obligation on either side.

International • Europe

Swiss Alpine Glacier Express

Scenic panorama rail, alpine transit coordination, and boutique stays across Zermatt and St. Moritz.

International • Mediterranean

Amalfi Coast Maritime Circuit

Curated coastal itineraries from Capri to Positano with transit coordination and regional culinary programming.

Domestic • Heritage

Royal Rajasthan Palace Circuit

Curated heritage stays in Udaipur, Jodhpur, and Jaipur with guided historical access and cultural programming.

Corporate • Executive Offsite

Nordic Aurora Executive Offsite

Dedicated retreat coordination in Finnish Lapland paired with executive conference and group facilities.

Register for Early Launch Updates

Receive itinerary announcements and schedule details prior to public launch in late 2026.

Join Travel Waitlist →
Investor Literacy & Capability

Financial Education Services

"Learn before you invest." Educational sessions on how markets, products and regulation work. Content is informational and recommends no product.

FOUNDATION TRACK

Investor Education & Literacy

Understand how compounding, asset allocation, real returns and inflation work, and common behavioural pitfalls.

  • Compounding and rupee-cost averaging, worked through the IRAH calculators
  • Reading a scheme document: SID, KIM, riskometer, expense ratio
  • Asset classes and allocation concepts (education only)
  • Regulatory literacy: who regulates what, verifying an intermediary, filing a SCORES complaint
Explore Practice Calculators →
HNI & ADVANCED

Advanced Structuring Masterclasses

Structured masterclasses for investors evaluating alternative asset classes, private equity drawdown structures, and PMS performance analytics.

  • Reading a PPM: fees, hurdle rate, carry and distribution waterfall
  • Drawdown, concentration and liquidity risk
  • PMS and AIF compared: structure, taxation, disclosure
  • Verifying PMS performance on regulator-mandated platforms
  • How Section 54EC works: eligibility, 6-month window, cap and lock-in (informational)
Enquire About Masterclasses →
ORGANIZATIONAL

Corporate Financial Wellness

Practical personal-finance basics for employees, delivered as objective workshops to corporate teams.

  • Reading a payslip; tax regimes and deductions (informational)
  • Basics of NPS and provident funds
  • Emergency funds and insurance basics (explained, never sold)
  • Spotting investment fraud: OTP scams, unregistered advisers
Request a Workshop →

Sessions are educational. No product is sold or recommended in a session. IRAH is not a SEBI-registered Investment Adviser.

Knowledge & Educational Notes

IRAH Insights & Product Notes

Explanatory notes on regulated products and investor protections, prepared by IRAH for information only. They are not research reports or investment advice.

Strategy • 2 min read

Asset Allocation Concepts: A Plain-Language Primer

What asset allocation means, how core-satellite portfolios are described in investor-education material, and what the approach does not assure.

Read Note →
Structuring • 2 min read

PMS vs AIF: A Comparative Blueprint for HNI & Institutional Investors

Deconstructing ticket size thresholds, pass-through taxation, leverage allowances, and holding structures between PMS and Category I/II/III AIFs.

Read Note →
Fixed Income • 2 min read

Bonds, 54EC & Fixed Income Architecture: Understanding Fixed Yields

Post-tax capital gains exemptions through Section 54EC bonds and credit considerations for corporate debt.

Read Note →
Tourism Preview • 2 min read

IRAH Travel Vertical: Planning & Logistics Preview

An operational overview of our upcoming 2026 travel vertical: route curation, corporate offsites, and travel coordination.

Read Note →
Investor Tooling & Repository

Investor Resources

Interactive calculators, compliance guidelines, the Investor Charter, and frequently asked questions.

SEBI Calculators

Simulate SIP growth, lump-sum investments, retirement targets, inflation costs, and cost of delay.

Open Calculators →

Regulatory Directory

Direct links and instructions for SEBI, AMFI, APMI, IRDAI, SCORES, and SMART ODR portals.

Browse Directory →

Investor Charter

Read your rights, obligations, dos and don'ts as an investor in Indian securities markets.

Read Charter →
Clarity & Trust

Frequently Asked Questions

Q: What is the regulatory status of IRAH Services LLP?

A: IRAH Services LLP is an AMFI-Registered Mutual Fund Distributor (ARN registration in process of allotment by AMFI India). Mutual fund transactions will be processed under IRAH's ARN once AMFI allots it. For products such as PMS and AIFs, we facilitate access through arrangements with SEBI-registered Portfolio Managers and fund houses. We do not operate as an Investment Adviser (RIA).

Q: How are client investment funds routed?

A: Client money never passes through IRAH Services LLP, in any account. Payments go from your bank directly to the AMC, or through BSE StAR MF or NSE NMF II, or directly to the PMS or AIF manager's designated account. IRAH does not accept cash.

Q: What is the minimum ticket for PMS and AIF?

A: As per SEBI regulations, Portfolio Management Services (PMS) require a statutory minimum investment of ₹50 Lakhs. Alternative Investment Funds (Category I, II, III AIF) require a minimum commitment of ₹1.00 Crore per investor under the SEBI AIF Regulations, subject to limited SEBI exceptions.

Q: Can IRAH tell me which fund to buy?

A: No. IRAH is not a SEBI-registered Investment Adviser and does not give personalised investment advice. Product choice is yours after reading the scheme documents. For advice, consult a SEBI-registered Investment Adviser.

Q: How is IRAH compensated?

A: By AMCs through commission on Regular plans, and by PMS, AIF, and issuer partners through referral or distribution fees where applicable. IRAH charges clients no advisory or transaction fee. Details are provided in writing on request.

Q: Direct or Regular plan?

A: Direct plans carry no distributor commission and can be bought from the AMC. Regular plans include distributor commission in their expense ratio, from which the distributor's servicing and execution support are funded.

Q: How do I verify IRAH's credentials?

A: Use the AMFI Locate Distributor portal. IRAH's ARN registration is in process of allotment by AMFI India; the allotment number will be published here once AMFI allots it.

Q: How do I lodge a grievance?

A: See the Grievance Redressal page: Level 1 support desk response within 48 working hours, Level 2 Compliance Officer escalation within 7 working days, followed by SEBI SCORES 2.0 and SMART ODR.

Q: Is Tourism open for commercial bookings?

A: No. It is an upcoming preview with an Early Access Waitlist; no bookings, reservations, or payments are accepted.

Q: What happens to my form submission details?

A: Your details are used strictly to respond to your explicit service inquiry. See our Privacy Policy for full details under the DPDP Act, 2023.

Interactive Calculators

Financial Calculators

Formulas follow standard compounding mathematics as published in SEBI Investor Education material for SIP, Lumpsum, Retirement Planning, Cost of Delay, and Purchasing Power erosion.

₹10,000
₹500 ₹2,50,000 ₹5,00,000
12%
4% 12% 25%
10 Yr
1 Year 20 Years 40 Years
Illustrative Future Corpus
₹23,23,391
Principal Invested
₹12,00,000
Estimated Gains
₹11,23,391
■ Invested Capital ■ Compounding Returns

*Calculation uses compound formula: FV = P × [ (1+i)^n - 1 ] × (1+i) / i. Mutual fund investments are subject to market risks; past performance does not guarantee future returns.

₹1,00,000
₹5,000 ₹2,50,00,000 ₹5,00,00,000
12%
10 Yr
Total Maturity Value
₹3,10,585
Initial Capital
₹1,00,000
Total Growth
₹2,10,585

*Formula: FV = P × (1 + r)^t. Formulas follow standard compounding mathematics as published in SEBI Investor Education material. Illustrative only, based on assumptions you set. Not a projection or advice; mutual fund investments are subject to market risks.

30 Yrs
60 Yrs
₹50,000
6%
Required Retirement Corpus
₹6.82 Cr
Monthly Expense at 60
₹2,87,175 / mo
Monthly SIP Needed Today
₹19,316

*Assumes life expectancy 85, 8% post-retirement return and 6% post-retirement inflation; the Monthly SIP figure assumes a 12% p.a. return. Illustrative only; not a projection or advice; mutual fund investments are subject to market risks.

₹15,000
3 Yr Delay
12%
Cost of Delay (Wealth Lost)
₹90.26 L
Corpus if Started Today
₹2.85 Cr
Corpus if Delayed
₹1.94 Cr

*Illustrates the compound interest penalty of waiting over a 25-year horizon. Illustrative only, based on assumptions you set. Not a projection or advice; mutual fund investments are subject to market risks.

₹25,00,000
6%
15 Yrs
Future Inflated Cost of Goal
₹59.91 L
Today's Price
₹25,00,000
Inflation Markup
+₹34.91 L

*Future Value = Present Cost × (1 + Inflation)^Years. Illustrative only, based on assumptions you set. Not a projection or advice.

Verify Directly on SEBI Investor Education Portal

Cross-reference our calculations with SEBI's official regulatory calculators.

Visit Official SEBI Calculators ↗
Interactive Diagnostic & Quantitative Planning

Financial & Life Planning Self-Assessment

Evaluate your family's financial preparedness, clarify your wealth milestones, and stress-test your plans with SEBI-benchmarked calculators.

1
Stage 1 Client Profile
2
Stage 2 Health & Risk Questionnaire
3
Stage 3 Diagnostic & PDF Report
Stage 1: Demographic Baseline

Client Profile Specifications

Provide demographic and income parameters to calibrate your family's financial health indicators and risk exposure thresholds.

Interactive Calculators Suite

SEBI-Benchmarked Quantitative Tools

Model your numbers with precision. Simulate systematic investment plans, compounding lump-sums, retirement corpus requirements, cost of delay, and inflation impact.

Regulatory Directory & Investor Trust

Knowledge Repository

Official statutory links, self-regulatory organisations, market registries, and grievance resolution mechanisms.

SEBIStatutory Regulator
Securities and Exchange Board of India

Regulates securities, mutual funds, PMS, AIFs, and market intermediaries in India.

Official Website: sebi.gov.in ↗
SEBI InvestorAwareness
SEBI Investor Education Portal

Official investor awareness portal containing investor charter, rights, duties, and learning resources.

investor.sebi.gov.in ↗
SEBI CalculatorsCalculators
SEBI Official Compounding & Planning Calculators

Official investor education calculators for SIP, mutual funds, and financial planning benchmarks.

investor.sebi.gov.in/calculators ↗
AMFIMutual Funds Body
Association of Mutual Funds in India

Trade body dedicated to developing the Indian mutual fund industry on professional lines.

amfiindia.com ↗
AMFI ARNDistributor Corner
AMFI Distributor Corner

Guidelines, code of conduct, and compliance circulars for registered distributors.

amfiindia.com/distributor ↗
AMFI LocateVerification
AMFI Locate Distributor Portal

Public registry to verify any distributor's ARN registration and validity.

amfiindia.com/locate-distributor ↗
APMIPMS Body
Association of Portfolio Managers in India

Standardizes performance reporting and operational standards for Portfolio Managers.

apmiindia.org ↗
IRDAIInsurance Regulator
Insurance Regulatory & Dev. Authority

Regulates insurance and reinsurance industries to protect policyholder interests.

irdai.gov.in ↗
SCORES 2.0Grievance Portal
SEBI Complaints Redress System

Centralized online dispute lodging platform with automatic escalation workflows.

scores.sebi.gov.in ↗
SMART ODRDispute Portal
Securities Market Online Dispute Portal

Online conciliation and arbitration portal established under SEBI circulars.

smartodr.in ↗
NSE IndiaExchange Platform
National Stock Exchange of India

Leading stock exchange and operator of the NSE NMF II mutual fund execution platform.

nseindia.com ↗
RBI RetailG-Sec Platform
RBI Retail Direct Scheme

Direct individual investment in Government of India securities and Sovereign Gold Bonds.

rbiretaildirect.org.in ↗
PFRDAPension Regulator
Pension Fund Regulatory and Development Authority

Statutory regulator for National Pension System (NPS) and pension funds in India.

pfrda.org.in ↗
RBICentral Bank
Reserve Bank of India

Monetary authority, issuer of currency, and regulator of banking and credit systems.

rbi.org.in ↗
MF CentralUnified Portal
MFCentral (Joint CAMS & KFintech Platform)

SEBI-mandated unified services portal enabling investors to manage all mutual fund folios across RTAs in one place.

mfcentral.com ↗
Bima BharosaInsurance Grievance
IRDAI Grievance Redressal Portal

Official insurance industry grievance escalation platform operated directly by IRDAI.

bimabharosa.irdai.gov.in ↗
Direct Institutional Access

Contact IRAH Services LLP

Connect directly with our specialized relationship desks for wealth facilitation, tourism waitlists, institutional education programs, or regulatory compliance inquiries.

CENTRAL RELATIONSHIP & INQUIRIES DESK

IRAH Services LLP Contact & Headquarters

Hours: Mon – Fri: 9:30 AM – 6:00 PM IST

Direct Mobile: +91 9779776119, +91 8558822528
Contact Email: [email protected]
GSTIN: 06AALFI9430M1ZW
Support Response: Within 48 Working Hours

Registered Office: Flat 1A 801 Suncity, Parikarma Group Housing, Sector 20 Panchkula, Panchkula- 134117, Haryana, India
Regional Presence: Chandigarh, Panchkula, Mohali (Tri-City Region)

Digital Intake

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IRAH Services LLP is an AMFI-Registered Mutual Fund Distributor (ARN registration in process of allotment by AMFI India). We do not accept client funds, execute discretionary trades, or guarantee returns.

Regulatory Mandate

Investor Charter in Respect of Mutual Funds

A plain-language summary of investor rights and responsibilities in mutual fund transactions, drawn from SEBI and AMFI investor-education material. Refer to SEBI and the AMC for the full Investor Charter text.

A. Vision & Mission

Vision: To facilitate transparent, disciplined, and informed participation of investors in securities markets.
Mission: To provide transparent distribution of mutual fund schemes, ensure timely and accurate dissemination of scheme documents, and protect investor interests against fraudulent practices.

B. Rights of Investors

  • Receive transparent information about scheme objectives, asset allocation, benchmark, riskometer, and expense ratio.
  • Receive account statements and Consolidated Account Statements (CAS) as prescribed by SEBI.
  • Receive IDCW (Income Distribution cum Capital Withdrawal) payouts or redemption proceeds within SEBI timelines.
  • Access an independent and time-bound grievance redressal mechanism.

C. Do's and Don'ts for Investors

DO's

  • Read Key Information Memorandum (KIM) and Scheme Information Document (SID) before investing.
  • Verify the ARN validity of your distributor on AMFI India.
  • Make payments only via official banking channels directly to the AMC or recognized clearing corporation.
  • Keep KYC and contact credentials updated with RTAs.

DON'Ts

  • Do NOT pay cash to any distributor, agent, or representative.
  • Do NOT sign blank transaction slips or surrender checkbooks.
  • Do NOT be swayed by guaranteed return claims. No mutual fund or equity instrument can legally guarantee returns.
  • Do NOT share Demat passwords or OTPs with third parties.

D. Responsibilities of Investors

  • Provide complete and accurate KYC credentials and update changes promptly.
  • Read the Scheme Information Document (SID) and Key Information Memorandum (KIM) before investing.
  • Verify the distributor's ARN registration status on the AMFI India portal.
  • Make payments only via official banking channels directly to the AMC or clearing corporation (BSE StAR MF / NSE NMF II).
  • Review account statements, contract notes, and CAS carefully and report discrepancies promptly.
  • Keep contact details (email and mobile) current to receive direct transaction alerts from AMCs and RTAs.
Investor Protection

Grievance Redressal Matrix

Structured 3-tier escalation workflow to ensure all investor queries, disputes, and grievances are resolved in a transparent and time-bound manner.

Level 1: Internal Customer Support & Relationship Desk

TAT: Within 48 Working Hours

First point of contact for transaction issues, statement queries, or service requests.

Primary Contact Email: [email protected]
Direct Mobile: +91 9779776119, +91 8558822528
Office Address: IRAH Services LLP, Flat 1A 801 Suncity, Parikarma Group Housing, Sector 20 Panchkula, Panchkula- 134117, Haryana, India (Regional Hub: Chandigarh, Panchkula, Mohali)

Level 2: Compliance Officer & Principal Officer

TAT: Within 7 Working Days

If the resolution is unsatisfactory or not resolved within 48 working hours, escalate directly to our Designated Compliance Officer.

Designated Compliance Officer: Principal Partner, IRAH Services LLP
Direct Escalation Email: [email protected]
Direct Mobile: +91 9779776119, +91 8558822528

Level 3: Regulatory Redressal (SEBI SCORES & SMART ODR)

Independent Statutory Body

If the grievance is not resolved at Level 2 within 7 working days, or you are not satisfied with the response, you can lodge a complaint on SEBI SCORES 2.0. If still dissatisfied after the SCORES outcome, you may initiate online dispute resolution on SMART ODR:

Statutory Transparency

Standard Risk Disclosures & Disclaimer

Mandatory investor disclosures under Securities and Exchange Board of India and Association of Mutual Funds in India regulations.

1. Mutual Fund Investments

Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance of the schemes or fund managers is not an indicator of future performance. There is no assurance or guarantee that the objective of the mutual fund scheme will be achieved. Net Asset Value (NAV) of the units may fluctuate based on interest rates, equity market conditions, and macroeconomic variables.

2. Alternative Investment Funds (AIF) & PMS

Investments in PMS and Alternative Investment Funds involve a high degree of risk. Portfolios may be concentrated; no return is assured; management and performance fees apply regardless of performance. These products are intended only for eligible investors who possess the financial capacity to bear substantial risks, including illiquidity and potential capital loss. Units of close-ended AIFs cannot be liquidated prior to fund maturity.

2A. Bonds, NCDs and Section 54EC Bonds

Debt instruments carry credit risk (the issuer may delay or default), interest-rate risk, and liquidity risk. Credit ratings can be revised or withdrawn. Section 54EC capital gains bonds are locked in for five years, cannot be transferred or pledged, are not sovereign-guaranteed, and pay taxable interest.

2B. Market-Linked Debentures and Structured Notes

Redemption value depends on a market reference and on the issuer's ability to pay. Principal protection, where offered, applies only at maturity and only if the issuer meets its obligations. Secondary-market liquidity may be limited or absent.

2C. Specialised Investment Funds (SIF)

SIF strategies may use derivatives, including short positions, and can lose value faster than conventional mutual fund schemes. Minimum investment threshold of ₹10 Lakhs applies. Redemption terms are scheme-specific as set out in each Scheme Information Document (SID).

3. Commission Disclosure

Commission earned by IRAH Services LLP from AMCs on the schemes it distributes is disclosed to investors on request, in line with applicable SEBI and AMFI requirements. Details are provided in writing upon inquiry.

4. No Investment Advice Disclaimer

The information, calculators, and materials provided on this website are for educational and distribution facilitation purposes only and do not constitute investment advice. IRAH Services LLP does not operate as an Investment Adviser (RIA). Investors should consult their independent tax and legal advisers before making investment allocations.

5. Terms of Use & Platform Conditions

By accessing the website and digital portals of IRAH Services LLP, you acknowledge and agree that all content, proprietary calculators, and informational notes are provided "as is" for informational purposes. Users shall not reproduce, scrape, or misuse proprietary models or brand trademarks without express written consent.

Financial execution is governed by individual scheme applications, AMFI / SEBI regulatory frameworks, and respective AMC terms. IRAH Services LLP reserves the right to update these terms at its discretion.

6. Privacy Policy & Digital Personal Data Protection (DPDP) Act, 2023 Compliance

Data Fiduciary: IRAH Services LLP, Flat 1A 801 Suncity, Parikarma Group Housing, Sector 20 Panchkula, Panchkula- 134117, Haryana, India (LLPIN: ACU-3761, Operational Hub: Chandigarh, Panchkula, Mohali Tri-City Region).

This notice outlines our data processing practices in compliance with the Digital Personal Data Protection (DPDP) Act, 2023 (Notice Version: 2026-10). When you interact with our website or submit an inquiry, we collect digital personal data strictly on the basis of your explicit consent.

1. Data Collected & Specified Purpose:

We collect your name, email address, mobile number (+91), area of interest, anticipated allocation range, destination or workshop preferences, and any notes you provide. This data is collected solely to respond to your explicit request for information or relationship initiation. We do not collect personal data of children or persons with disabilities without lawful guardian consent.

2. Retention Period:

Personal data submitted through inquiries is retained strictly for the duration necessary to address your inquiry or as mandated by applicable SEBI and AMFI regulatory record-keeping rules, after which it is securely erased. Local browser storage is limited to offline retry queues capped at 5 records.

3. Data Security & Storage:

Your data is stored securely with access controls restricted to authorized relationship personnel. In-transit transmission is encrypted via HTTPS/TLS when deployed behind secure network gateways. Data is not sold, rented, or shared with commercial marketing networks.

4. Investor & Data Principal Rights:

  • Right to Access: You may request a summary of your personal data processed by us and the processing activities undertaken.
  • Right to Correction & Erasure: You may request correction of inaccurate data or erasure of data that is no longer necessary for the specified purpose.
  • Right to Withdraw Consent: You may withdraw your consent at any time with the same ease with which it was provided, by emailing [email protected].
  • Right to Nominate: You have the right to nominate an individual to exercise your data rights in the event of death or incapacity.

5. Grievance Redressal & Data Protection Board:

For any data privacy concerns, contact our designated Compliance Officer at [email protected], Phone: +91 9779776119, +91 8558822528. If a grievance remains unresolved after exhausting our internal grievance redressal mechanism, you have the right to register a complaint with the Data Protection Board of India.