Are mutual fund returns guaranteed?

No. Mutual fund values go up and down with the market. Our calculators show illustrations only, not promises.

Do you charge any fee?

No separate fee. We are paid commission by fund houses and insurers, and we tell you the amount for any product whenever you ask.

Your investments are held in your own name with the fund house, and policies are issued directly by the insurer to you. We never hold your money.

Can you review my existing investments?

Yes. Share your consolidated account statement and existing policies, and we will go through them with you in a free call.

Young family of four sitting together at home

Invest today foryour child’s future

Mutual funds, SIPs and insurance, explained around your goals in plain words. We handle the paperwork and stay with you for years.

Start your SIP Try SIP calculator

AMFI‑registeredMutual Fund Distributor

Paperless KYCOnline in 10 minutes

Your money, your nameHeld with the fund house

Real people to callReview & claim support

What we offer

Everything to grow and protect your money.

One trusted partner for investments, insurance and gold, so every part of your money works together.

Mutual funds

Funds chosen for your goal, not for the headlines.

Equity, debt, hybrid and index funds across leading fund houses, matched to your goal and time horizon.

EquityDebtHybridIndexNRI investing

Illustrative only. Mutual fund investments are subject to market risks.

SIP

Start from ₹500 a month.

Invest a fixed amount every month. Pause or raise it any time.

Gold, minus the locker.

Gold ETFs and gold funds. No purity checks or making charges.

Life insurance

If you're not there, your plans still are.

Term cover compared across insurers, with help when your family needs to claim.

Health insurance

Family floater and top-up plans, with cashless claim help.

General insurance

Motor, home and business cover, renewed on time every year.

NRIs can invest through their NRE or NRO account.Learn how

How we work

Our Six-Step Process

Every investment journey begins with understanding your needs and objectives. Our six-step process outlines a structured approach to exploring mutual fund investment options and supporting investors throughout their investment journey.

Step 01 of 06

Establish and Define the Relationship

HM Wealth is an AMFI-registered Mutual Fund Distributor. Mutual fund investments are subject to market risks, read all scheme related documents carefully. The final investment decision is always yours.

SIP calculator

Small amounts. Big futures.

Move the sliders to see what a monthly SIP could become. Starting early and staying invested makes the biggest difference.

₹500

Lowest monthly SIP

Step-up

Raise it as you earn

Flexible

Pause or stop any time

Explore full Wealth Studio (10 Models)

Interactive Compounding Studio

Popular AmountsMonthly

Monthly Investment₹10,000

₹500₹1.00 Lakhs

Expected Annual Return12% p.a.

1% (Conservative)8%13% (max)

Investment Horizon10 Years

1 Year10 Years35 Years

Open Full HM Wealth Studio (10 Advanced Models)

Projected Wealth in 10 Years1.9x Wealth Multiplier

₹23.23 Lakhs

Exact: ₹23,23,391

Your Capital

₹12.00 Lakhs

Estimated Gains

+₹11.23 Lakhs

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Calculations are for illustration only and assume a constant return rate. Mutual fund investments are subject to market risks.

Goal-based investing

What are you saving for?

Every goal has its own timeline, and the timeline decides the kind of fund that fits.

5 to 15 years

Child’s education

Start early with equity funds and move to safer funds as admission year nears.

Family performing a puja together in their decorated home

3 to 7 years

Dream home

Build your down-payment with a mix that stays steady as the date comes closer.

Retired couple enjoying tea together in their garden

15+ years

Retirement

Grow a corpus with SIPs now, then draw a monthly income with SWP.

Mother and daughter laughing together on a sofa

Any time

Emergency fund

Keep about 6 months of expenses in funds you can access quickly.

Indian couple smiling while reviewing their investments on a tablet

7+ years

Long-term wealth

Index and flexi-cap funds for steady growth across many years.

Tap any goal to open its calculator. Fund types are general examples, not a recommendation.

Commission disclosed

On every product

Yearly review

Scheduled

EquityDebtGold

Held in your name

Why HM Wealth

A partner you can trust, for the long run.

Honest, patient guidance in plain words, from the first call to every review after.

Fully transparentAsk the commission on any product, any time.
Your goals firstOptions matched to your goal. Nothing pushed.
Your money stays yoursUnits and policies are always in your name.
With you for yearsYearly reviews and help at claim time.

Book a free callNo obligation · Free first call

From our founder

We started HM Wealth with one simple promise: explain every rupee in plain words, and stay with your family long after the first SIP.

HSHari Sarvotham AFounder, HM WealthAMFI-registered MFDMutual Fund Distribution

FAQ

Questions, answered simply.

The things families ask us most, in plain words.

You can start a SIP from ₹500 a month in most mutual fund schemes. There is no fixed minimum for insurance, it depends on the plan.

Ready to start your investment journey?

Book a free call with no obligation. We’ll understand your goals before we suggest anything.

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Invest today foryour family’s safetyyour child’s futureyour child’s future