A more considered way to build wealth.
MF Gullak builds written plans around your goals, your horizon and what you can actually sustain — then stays to service them.
- ARN-171652
- EUIN E343885
- No fee from you — the AMC pays trail commission
Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
If you invested
₹25,000 a month
₹2.50 Cr
after 20 years at 12% a year
- You put in
- ₹60.0 L
- Compounding adds
- ₹1.90 Cr
Not a projection. Change the assumptions yourself and watch the answer move.
Open the calculator- 2020
- AMFI-registered since 18 August
- 5
- Services, from mutual funds to motor cover
- 3
- Insurers — Star Health, ICICI Lombard, SBI Life
- 2029
- ARN-171652 valid until 10 August
What we do
Places to start your journey.
No account needed to look. Explore what fits, and we step in when you are ready.
Mutual funds
Equity, debt and hybrid schemes chosen for a goal and a horizon, not for last year's return.
Loan against mutual funds
Money for a short-term need without redeeming the units your long-term goals depend on.
Health insurance
Health cover for you and your family through Star Health and ICICI Lombard.
Vehicle insurance
Cover for your car or two-wheeler through ICICI Lombard General Insurance Co. Ltd.
Life insurance
Life cover through SBI Life Insurance Co. Ltd., sized to what your family would need.
- No obligationBook a call
Not sure which of these you need?
That is what the first conversation is for. Bring the question, not a product.
Goal planning
Every rupee with a purpose.
We work backwards from the date the money is needed. The horizon decides the portfolio — not the product of the month.
- 25 years away
Retire without a pay cut
A corpus sized to your real expenses, indexed for inflation, drawn down in a sequence that survives a bad first decade.
- Equity mutual funds
- Hybrid funds
- Debt funds
- 15 years away
Fund the degree, not the loan
Education inflation runs near 10%. We work backwards from the fee in the year your child actually enrols.
- Equity mutual funds
- Hybrid funds
- Life cover for the parent
- 10 years away
Build the first crore
The unglamorous part: an SIP you can sustain through a drawdown, and a rebalancing rule you agree to in advance.
- Equity mutual funds
- Index funds
- Hybrid funds
- 6 years away
Buy the house in cash-flow terms
A down payment this close to spending has no business sitting in equity. We park it where the date is safe.
- Short-duration debt
- Arbitrage funds
- Liquid funds
- Now
Protect the plan itself
Life cover and a health floater sized to your liabilities. Insurance is not an investment, and we will not sell it as one.
- Life insurance
- Health floater
- Vehicle insurance
- 3 years away
Save tax without wrecking liquidity
ELSS has the shortest lock-in in 80C. We use it deliberately, not as a March panic purchase.
- ELSS
- 80C planning
- Health cover under 80D
For existing clients
Your whole portfolio, in your pocket.
Track every folio, review your goals and pull a statement whenever you need one. MF Gullak places your investments through a registered platform, and the app is how you see them — units are always held in your own name.
- Secure sign-in
- SIP mandates
- Statements on demand
Signed in as
Your account
Portfolio value
₹ ••••••
Visible once you sign in
- Funds
- Goals
- Chat
Your goals
Retire without a pay cut
Fund the degree, not the loan
Illustration of the app, not a client account.
Why us
Wealth is personal. Your distributor should be too.
Raj Kumar Saw is an AMFI-registered distributor, not an investment adviser. The distinction matters, and we would rather you hear it from us.
- 01
A plan you can hold us to
Goals with dates and rupee amounts, the monthly figure, and the reason each scheme was chosen — written down, and yours to keep.
- 02
You see what we earn
The asset management company pays us a trail commission, disclosed before you invest. You pay us nothing directly.
- 03
The person who wrote it answers
You speak to whoever wrote your plan, not to whoever happens to pick up the phone.
- 04
Reviews that change something
We check the instalments went through and whether allocation drifted past the band we agreed. Most reviews end in no transaction.
Who you will actually deal with
Raj Kumar Saw
AMFI-registered mutual fund distributor
Raj Kumar Saw is an AMFI-registered mutual fund distributor based in Bud Bud, Purba Burdwan. The registration, ARN-171652, dates from 18 August 2020 and is valid until 10 August 2029. The practice arranges mutual fund investments and loans against mutual fund units, and distributes health and vehicle insurance through Star Health and Allied Insurance Co. Ltd. and ICICI Lombard General Insurance Co. Ltd., and life insurance through SBI Life Insurance Co. Ltd.
- Registered
- ARN-171652
- In practice
- 6+ years
Insights
Written when we have something to say.
Allocation5 min readRole of asset allocation in achieving your financial goals
Asset allocation is diversifying your investments across different asset classes. Different asset classes have different risk / return profiles. By diversifying across asset classes, you can balance…
15 July 2026
Behaviour4 min readVolatility in Markets and Your Long-Term Investment
Markets have been more volatile than many investors are comfortable with, and the recent geopolitical shock around the US-Iran conflict has amplified that turbulence by pushing crude higher,…
30 June 2026
Allocation5 min readMulti Asset Allocation: Importance of having gold and silver exposure
The market is trading near its all time highs. Though the market has made a number of attempts to breakout from current range, we are seeing profit booking at upper end of the trading range.…
12 January 2026
News
What changed in the industry.
Fund launches, regulation and industry moves worth a client's attention. None of it is a recommendation.
- Advisorkhoj9 September 2026
Axis Mutual Fund launches Axis Nifty500 Low Volatility 50 Index Fund
NFO period: 09 th Sep - 22 nd Sep, 2026 Highlights of the NFO: Scheme type - An Open-Ended scheme replicating/tracking Nifty500 Low Volatility 50 Index Investment objective - To provide returns before expenses that correspond to the performance of Nifty500 Low Volatility 50 TRI subject to tracking error. There is no assurance that the investment objective of the scheme will be achieved.
- Advisorkhoj8 September 2026
Mirae Asset Mutual Fund launches Mirae Asset BSE Information Technology Index Fund
NFO period: 08 th Sep - 22 nd Sep, 2026 Highlights of the NFO: Scheme type - An open-ended scheme replicating/tracking BSE Information Technology Total Return Index Investment objective - The investment objective of the scheme is to generate returns, before expenses, that are commensurate with the performance of BSE Information Technology Total Return Index, subject to tracking error.
- Advisorkhoj8 September 2026
Kotak Mahindra Mutual Fund launches Kotak Multi Sector Omni FOF
NFO period: 08 th Sep - 22 nd Sep, 2026 Highlights of the NFO: Scheme type - An open-ended fund of fund scheme investing in Units of equity-oriented sector based active and passive mutual fund schemes Investment objective - To generate long term capital appreciation from a portfolio created by investing in Units of equity-oriented sector based active and passive mutual fund schemes.
- Advisorkhoj3 September 2026
Monarch Mutual Fund launches Monarch Overnight Fund
NFO period: 03 rd Sep - 07 th Sep, 2026 Highlights of the NFO: Scheme type - An open-ended debt scheme investing in overnight securities. A relatively low-interest rate risk and relatively low credit risk Investment objective - The objective of the scheme is to seek to generate returns commensurate with low risk and providing high level of liquidity, through investments made primarily in overnight securities having maturity of 1 business day.
Start here
Your journey begins with one honest conversation.
We map your income, obligations and what is actually worrying you. No product is named in that first meeting.
- Call
- +91 89000 88246
- Office hours
- Monday - Saturday : 10:00 AM to 9:00 PM
- Registered
- ARN-171652