Clear Answers for a Confident Journey.

We believe in absolute transparency. We are an AMFI-registered Mutual Fund Distributor (ARN-342205). We earn trailing commissions from mutual fund companies when we invest client money in regular plans. On average, this is around 1% per annum (including GST) on the overall portfolio, for as long as the investments remain with us. We do not charge you any separate advisory fees.

We view this as a highly transparent method because you know exactly how we are compensated. This revenue enables us to employ a competent data and operations team, invest in best-in-class technology, and deliver exceptional service.

Crucially, commissions never influence our fund selection. We invest our own family's money in the exact same funds we recommend to our clients, ensuring our interests are completely aligned.

Every mutual fund offers two options:

• Direct Plan: You invest directly with the fund house. There are no intermediaries, meaning a lower expense ratio, but you take 100% responsibility for your own research, execution, and behavioral discipline.
• Regular Plan: You invest through an AMFI-registered distributor (like us). The expense ratio is slightly higher, as a portion is paid to us for acting as your Personal Finance Coach. We align investments with your life goals, manage risk, execute rebalancing, and keep you disciplined through market panics.

Note: We deal exclusively in Regular Plans.

If you have Direct Plans: You can retain your current Direct Plans as they are and start fresh investments in Regular Plans under our guidance. Alternatively, you can redeem your Direct investments and reinvest them through us for a consolidated strategy. We will consult with you on any capital gains tax implications first.

If you have Regular Plans and want to consolidate: If you are unhappy with your current distributor or simply prefer to have all your wealth managed in one place, you do not need to sell or redeem anything. With your consent, we can seamlessly transfer your portfolio under our ARN code. You retain your holdings, avoid capital gains taxes, and immediately begin receiving our goal-based guidance.

If you have Regular Plans but wish to retain your current distributor: You are completely free to leave your existing portfolio untouched while starting a parallel investment journey with us. However, wealth creation works best when it is holistic. We strongly recommend centralizing your strategy with one primary wealth partner who has full visibility of your financial landscape. Complete disclosure is the only way to prevent overlapping investments, optimize asset allocation, and achieve the absolute best results for your family.

We operate with a strict framework of operational integrity. At Lineal Edge, we never pool, hold, or handle your capital directly, nor are your assets ever registered in our firm's name.

All investments are executed strictly in your name, with capital flowing seamlessly and directly from your personal bank account to the National Stock Exchange (NSE) & Bombay Stock Exchange (BSE) platforms or the respective Asset Management Companies (AMCs).

Every financial transaction requires your explicit authorization via email or mobile OTP. While we design and initiate your strategy, absolute control remains in your hands at all times. Backed by stringent SEBI and AMFI oversight, this structure ensures your wealth remains heavily protected.

A Demat account is not necessary to invest in mutual funds with us. We have streamlined our onboarding into a frictionless, 95% digital experience. Depending on your current KYC status, your investment account and One-Time Bank Mandate (OTBM) can typically be established within a few hours. From there, your ongoing wealth management is completely paperless.

We are proud to maintain a persistency ratio of over 96%, reflecting our commitment to lifelong partnerships. However, should you ever decide to transition, you are free to do so seamlessly and without friction.

Because your assets are held entirely in your name with the AMCs, your portfolio is completely liquid. You maintain the independent authority to transfer your assets to another distributor or manage them yourself, ensuring your capital is never locked to our firm.

We design personalized, goal-based financial blueprints. Rather than simply selling products, we structure our guidance across three core pillars:

• Foundation & Protection: We optimize your Term and Health Insurance to secure your family against risk, and facilitate comprehensive Estate Planning and Will drafting to safeguard your legacy.
• Growth: We deploy your capital into meticulously researched Mutual Funds, Portfolio Management Services (PMS), and Alternative Investment Funds (AIFs) tailored to your specific timeline and risk appetite.
• Ongoing Support: We provide continuous oversight, executing bi-annual portfolio reviews, managing policy renewals, handling claims, and streamlining all administrative updates.

We prioritize qualitative strength over short-term numerical noise. When evaluating the vast universe of funds, we analyze the consistency of the fund's internal processes, the tenure and track record of the fund manager, and the depth of their research team. We intentionally avoid thematic fads and New Fund Offerings (NFOs), preferring instruments with proven, battle-tested histories.

We firmly believe that asset allocation—not isolated fund picking or direct stock trading—drives the vast majority of long-term wealth creation. Therefore, we do not advise on direct equity markets. We specialize exclusively in managed portfolios to ensure your capital grows systemically, safely, and without the volatility of concentrated stock bets.

We partner with a diverse cross-section of individuals, including business owners, salaried professionals, retirees, and NRIs. We do not base our attention on the size of an initial portfolio; rather, we focus on mutual alignment. Our approach yields the best results for individuals who view wealth creation as a multi-decade project, who value structured guidance, and who wish to delegate the complexities of finance so they can focus on their own lives and careers.

Because our strategies are built entirely around long-term compounding and disciplined patience, our methods may naturally misalign with investors seeking aggressive short-term trading, quick market wins, or high-frequency portfolio changes. We believe deeply in helping you find the right advisor for your specific style, even if that means we are not the perfect match for your immediate goals.

Having navigated the financial markets for three generations, we invest our own family's capital using the exact same frameworks we recommend to you. Decades of firsthand experience have taught us that patience consistently outperforms activity, and that tuning out daily market noise is the most reliable path to generational wealth. We simply practice what we preach.

Absolutely. While our family roots and headquarters are proudly based in Jaipur, Rajasthan, we manage wealth for clients across India and globally. Technology allows us to be just a video call away whenever you need us. Of course, if you are ever in Jaipur, we would be delighted to host you—some conversations are simply better had in person.