Frequently Asked Questions.

Roche Investment Services is an AMFI-registered Mutual Fund Distributor (ARN-333539) focused on helping individuals and families organise their finances and build long-term wealth.

The approach is centred around clarity, structure, and long-term thinking—helping investors align their investments with their financial goals through a practical and well-thought-out investment framework.

Investing through me helps you bring structure and discipline to your investments without getting lost in information noise or spending time navigating products, platforms, or execution details. I provide clarity and direction so your investment decisions remain simple and informed.

I work with you to understand your financial goals and design a suitable investment approach. I also handle the operational aspects using technology, making the entire process seamless and easy to get started.

Investing is a long-term journey through different stages of life. As your life and priorities evolve, we periodically review your investments to ensure they remain aligned with your objectives at that point in time.

This allows you to focus on your core work and income-generating activities, while your investments stay disciplined and goal-oriented.

I also personally follow the same investment approach in my own portfolio and for my family’s investments, which are aligned with the same fundamental principles I recommend to clients.

There are no advisory fees. You invest directly in mutual funds through me, with guidance and support provided throughout your journey. 

No. I do not charge any fees for consultations. The purpose of the meeting is to understand your financial situation, goals, and requirements before making any recommendations. 

My income comes primarily through trail commissions paid by mutual fund houses (AMCs), which are already included in the Total Expense Ratio (TER) of regular mutual fund schemes. Therefore, there is no direct advisory or consultation fee charged to you.

Getting started is simple. Book a free appointment with me to discuss your financial goals. Once I understand your requirements, I will guide you through the onboarding process on the AssetPlus Mutual Fund Distribution platform for seamless online execution, help complete your KYC, and assist you in starting your investment journey with a portfolio suited to your objectives.

A mutual fund is an investment vehicle that pools money from multiple investors and invests it in a diversified portfolio of securities such as stocks, bonds, or other financial instruments. These investments are managed by professional fund managers in line with the fund’s objective, on behalf of investors. Mutual funds allow you to benefit from diversification, professional management, and access to a wide range of investments without requiring large capital or the need to manage investments yourself. 

A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount at regular intervals, typically monthly. SIPs help build investment discipline, benefit from the power of compounding over time, and use rupee cost averaging—where you automatically benefit by buying more units when prices are low and fewer units when prices are high. You can start a SIP with as little as ₹500 per month.

Mutual fund investments are facilitated through the AssetPlus Mutual Funds Distribution platform. After the initial consultation, I will guide you through the sign-up and KYC process on AssetPlus. Once your account is activated, we begin investing in mutual funds suited to your financial goals, with ongoing guidance and support throughout your investment journey.

I work with all major Asset Management Companies (AMCs) in India. This includes a wide range of fund houses such as SBI Mutual Fund, HDFC Mutual Fund, ICICI Prudential Mutual Fund, Axis Mutual Fund, Kotak Mutual Fund, Nippon India Mutual Fund, Aditya Birla Sun Life Mutual Fund, UTI Mutual Fund, and several other AMCs.

This allows access to a broad universe of mutual fund schemes, giving flexibility to build portfolios aligned with different risk profiles, investment horizons, and financial goals.

Yes. Most mutual fund investments are open-ended, which means you can redeem (withdraw) your investment at any time based on your liquidity needs.

However, the actual credit to your bank account depends on the type of fund and its settlement timelines. Equity and debt funds typically follow standard settlement cycles, and certain schemes like ELSS have a lock-in period of 3 years.

I generally recommend aligning withdrawals with your financial goals rather than short-term market movements, so that your investment plan remains on track.

Mutual fund investments in India are regulated by SEBI (Securities and Exchange Board of India), which sets strict guidelines for fund management, disclosures, and investor protection. All mutual funds operate within this regulated framework to ensure transparency and compliance.

As a mutual fund distributor, I am required to clear the NISM certification prescribed by SEBI and register with AMFI to obtain an AMFI Registration Number (ARN). This ensures that distributors operate within a regulated and standardized framework while assisting investors with mutual fund transactions. 

Absolutely. Your investments are held directly with the respective Asset Management Companies (AMCs) and are registered in your name — not with me. I act only as a facilitator to help you invest; I do not hold or manage your money or units at any point.

All mutual funds are regulated by SEBI, and operate within a strict regulatory framework designed to ensure transparency, accountability, and investor protection.

You also have full visibility and control over your investments at all times.

SEBI (Securities and Exchange Board of India) is the regulatory authority that oversees the securities market in India, including mutual funds. It establishes rules and guidelines to protect investor interests and ensure transparency, fairness, and compliance across the industry.

AMFI (Association of Mutual Funds in India) is the industry body of all SEBI-registered mutual funds. It works within SEBI’s framework to promote best practices, investor awareness, and ethical and professional standards among mutual fund participants. AMFI also maintains the registration framework for distributors through the AMFI Registration Number (ARN), ensuring investors work with verified and compliant professionals.

KYC (Know Your Customer) is a mandatory verification process required before investing in mutual funds in India. It is used to confirm your identity and address using officially valid documents such as PAN, Aadhaar, and other supporting details.

KYC helps ensure compliance with SEBI regulations, prevents fraud, and enables smooth processing of your investments across mutual fund platforms. Once completed, it is typically valid across all mutual fund investments.

KYC verification is usually completed within 1 to 2 business days after all required documents are submitted.

If done online (e-KYC), it can often be completed within a few minutes to a few hours, depending on verification with Aadhaar and PAN databases.

To complete your Know Your Customer (KYC) verification, you will need your PAN card, Aadhaar card, a recent passport-sized photograph, and your bank account details (including a cancelled cheque or bank statement).

The entire process can be completed digitally through the AssetPlus platform with my assistance.