Income planning
INVESTMENT SELECTION • SUPPORT • REGULAR REVIEWS
Choose suitable investments. Know where your money is going.
We help professionals, business owners, families and NRIs choose investments for growth, regular withdrawals or fixed income. We understand your needs, explain suitable options and help you invest. You get a clear plan, practical support and regular reviews.
Your needs firstAmount, timeline, risk and purpose
Clear investment choicesUnderstand the risks and costs
Regular portfolio reviewsTwo scheduled reviews each year
We explain our service so you can decide whether to continue. There is no obligation to invest.
Your mutual fund portfolio
STRUCTURE BEFORE PRODUCTS
Illustrative review view—not performance
Purpose of moneyCTRT CHECKED
CapitalLong-term surplus
RiskCapacity for losses
TargetPurpose of investing
1Clear process
2Reviews each year
4CTRT questions
Know what you own—and why.Your investments remain in your name. Transactions require your authorisation.
AMFI registrationMutual Fund Distributor
ARN-359871
ARN-359871
APMI registrationPMS Distributor
APRN-08964
APRN-08964
Costs explainedProduct costs and distributor compensation are explained before investment.
Long-term reviewPortfolio discussions are linked to your timeline and changing needs.
Watch Sarvesh Gutti
Understand the markets. Understand your choices.
Watch simple explanations of markets, investment options and the decisions that affect your money.
Retirement
Can ₹2 crore support ₹1 lakh a month?
Mutual funds
How to compare Flexi Cap funds
SIF
Understanding specialised long-short strategies
Large surplus
Where could ₹1 crore go?
Would you like to discuss your own portfolio?
Start with your capital, timeline, risk and target.
Who We Help
Is Auris Wealth right for you?
For professionals, business owners, families and NRIs who want help choosing and reviewing their investments.
Book an Introductory CallYou want help investing savings or reviewing what you already own.
You have kept money aside for emergencies and near-term expenses.
You want to know which investments suit your needs and why.
You understand that investment values can fall.
You value clear explanations and ongoing support.
We check when you need the money, your other commitments and how much loss you can afford.
Tell us when you need the money. We separate near-term needs from money available for long-term investing. We do not promise returns.
UNDERSTAND
We ask how much you can invest, when you need it and how much risk you can take.
EXPLAIN
We explain suitable investments, why they fit, their risks and their costs.
IMPLEMENT
We help with the paperwork. You approve each investment transaction.
REVIEW
We review your investments twice a year. We discuss changes when your needs or investments change.
Why work with Auris
Know what you own—and why.
Understand the role and risks of each recommended investment.
Receive clear explanations, documented recommendations and practical support.
Every decision starts hereCTRT
CCapital
TTimeline
RRisk
TTarget
| Your question | What we explain | What you receive | Your role |
|---|---|---|---|
| Why these funds? | Their role and risks | A written explanation | Ask questions before investing |
| What does it cost? | Expenses and commissions | Cost transparency | Review the costs |
| When will we review? | Two scheduled reviews each year | An agreed review schedule | Tell us when your needs change |
| Who can I speak with? | Your investment requirements | Direct communication with Sarvesh Gutti | Discuss your circumstances |
| What support is included? | Onboarding and nominations | Investment-related service support | Authorise your transactions |
What the Auris experience aims to provide
Less confusion. More structure.
These are service objectives—not assured investment outcomes.
Clear explanations
Understand the role and risks of each recommended investment.
Documented recommendations
Receive a written explanation of the proposed mutual fund investments.
Cost transparency
Understand relevant expenses and the commissions we receive.
Regular reviews
Have an agreed schedule to review your investments and changing needs.
Want this clarity for your own family?
The first consultation is free. You stay in control of every decision.
One portfolio. Many life needs.
Your money should support your life—not create more work.
Keep money aside for emergencies and near-term needs. Auris GROWTH focuses on the surplus you can invest for the long term.
Book an Introductory Call
Does this look familiar?
Your investments may be growing. But do they work together?
Having many products is not the same as having one portfolio. The first job is to understand what you already own and why.
Investments sit across banks, apps, insurers and platforms.
You know the product names, but not which goal each product serves.
Different funds may own the same companies, sectors or risks.
Every new option sounds useful because the full picture is missing.
Your portfolio review
PRIVATE & CONFIDENTIALIllustration—not an allocation recommendation
Accessible capitalNear term
Income capitalCash flow
Growth capitalLong term
OverlapRepeated exposure
Access to moneyMoney needed soon
RiskPossible portfolio falls
A clear plan for the money you want to invest.
Know what to invest in—and why.
We review your needs and existing investments. Then we explain suitable options, help you invest and agree when to review. You know the purpose, risks and costs of each investment.
- Recommendations based on your circumstances.
- Clear reasons for each investment.
- Risks, costs and our compensation explained.
- Help with investment execution and nominations.
- Two scheduled portfolio reviews each year. Support when your circumstances change.
Your investments remain in your name. Transactions require your authorisation. Product availability and eligibility are checked before you invest.
Our Approach · The CTRT Framework
Four questions before we recommend an investment.
We begin with your circumstances.
CAPITAL
How much can you invest? We check what is left after upcoming expenses and commitments.
TIMELINE
When might you need the money? When you need the money helps us choose suitable options.
RISK
How much loss can you afford and tolerate? We check how much loss you can afford and how much you are comfortable with.
TARGET
What is this money for? We ask whether you want growth, regular withdrawals or money for a future expense.
Your answers help us choose suitable investments.
Start with your circumstances.
Our solutions
What do you want your money to do?
Choose a starting point. We check what suits you before you invest.
Auris GROWTH
Build wealth over time.
Who it suits
Professionals and families investing money they will not need soon.
TimelineLong term
PurposeGrowth
- We help select suitable mutual funds and, where eligible, SIF strategies. Start with ₹25 lakh or more; add lump sums or SIPs later.
- We explain the fund mix, help you invest and review twice a year.
Values can fall. Growth is not guaranteed. ₹25 lakh is our service threshold, not a mutual fund regulatory minimum.
Discuss This SolutionAuris FIXED INCOME
Compare interest-paying investments.
Who it suits
Investors who want scheduled interest or a known maturity date.
TimelineMatch your needs
PurposeInterest
- Compare available bank deposits, corporate deposits and bonds by issuer, maturity, access and interest terms.
- We explain repayment risk, payment dates and costs before helping with an investment.
Corporate deposits and bonds can default. Debt funds are market-linked, not fixed-return deposits.
Discuss This SolutionAuris MONTHLY WITHDRAWAL
Use your investments for regular expenses.
Who it suits
Retirees and families who need planned withdrawals from their savings.
TimelineBased on expenses
PurposeWithdrawals
- We review your expenses, other income and available capital before discussing a suitable mutual fund withdrawal plan.
- Agree a withdrawal amount, keep money available for near-term needs and review the remaining capital.
Withdrawals sell units and may use your original capital. They are not guaranteed interest and can reduce or exhaust the portfolio.
Discuss This SolutionPRIVATE MARKETS & GLOBAL
Compare specialist investment options.
Who it suits
Eligible investors with a core portfolio who understand complex risks and limited exits.
TimelineProduct-specific
PurposeDiversification
- Explore suitable PMS, AIF and GIFT City routes, subject to eligibility and available distribution arrangements.
- We explain the manager, strategy, fees, risks and exit terms. The appointed provider manages the investment.
Higher entry amounts do not mean better returns. Capital loss, long lock-ins and currency risks may apply.
Discuss This SolutionNRI INVESTING
Organise your investments in India.
Who it suits
Eligible NRIs investing in India while living overseas.
TimelineBased on your plans
PurposeIndia investing
- Review existing holdings and suitable India or GIFT City options, subject to country and provider acceptance.
- Help with required documents, investment execution and reviews. Consider when and in which currency you need money.
Eligibility and transfer rules vary. Seek independent tax and legal advice for cross-border matters.
Discuss This SolutionThese are Auris service names, not separate investment schemes. Your needs decide the product selection. Returns and capital protection are not guaranteed.
Your investment requirements
Start with your needs. Keep reviewing.
Tell us what you have, when you need it and the help you want.
C
Money to invest₹25 lakh or more
Auris GROWTH starts at ₹25 lakh. Other solutions have different entry requirements. We explain these before you invest.
What to considerWe check when you need the money, your other commitments and how much loss you can afford.
T
Your timelineLong-term surplus
Tell us when you need the money. We separate near-term needs from money available for long-term investing. We do not promise returns.
What to considerKeep money aside for emergencies and near-term expenses.
R
Regular reviewsTwo scheduled reviews each year
Let us know when your financial circumstances or investment needs change.
What to considerA review does not automatically mean switching funds.
You can add to your investments later through further lump sums or SIPs, subject to suitability and scheme terms.
Illustrative calculators
Explore the numbers.
Use the calculators to understand how investment amounts, time and different assumptions affect an illustration.
Numbers are useful. Context makes them meaningful.
Calculator results are hypothetical. They are not forecasts or promises. Actual returns vary, and taxes, expenses and inflation affect outcomes.
Product access
Understand your investment options.
We explain what each product can do, its risks, when you can exit and what it may cost.
Mutual Funds
Funds that invest in shares, bonds or other assets. Choose based on your timeline and risk capacity.
SIF
Specialised fund strategies for eligible investors. Understand how each strategy works and what can go wrong.
PMS
A registered portfolio manager selects and manages securities for eligible clients.
AIF
Funds that may invest in private businesses, credit or other strategies. Long commitments and limited exits can apply.
Fixed Income
Deposits, bonds and debt funds have different risks. Check repayment, maturity dates and access to your money.
GIFT City Funds
Fund options through India’s international financial centre. Eligibility, currencies, taxes and exit rules vary.
NRI corner
Book an Introductory Call
Live abroad. Keep your India investments organised.
We help eligible NRIs choose and review investments in India, complete the paperwork and stay informed from overseas.
1Review your Indian funds, deposits and other investments together.
2Check whether schemes accept investors from your country of residence.
3Plan for family expenses and when you may need money abroad.
4Work with your tax and legal professionals on cross-border questions.
5Compare suitable India and GIFT City options after checking eligibility and documents.
Auris Apex LLP does not provide legal, tax, FEMA or immigration advice. Availability varies by jurisdiction, provider and product.
UK / EUROPE
SINGAPORE / APAC
UAE / GCC
US / CANADA
INDIA
PORTFOLIO
PORTFOLIO
How the conversation works
From your first conversation to ongoing reviews.
UNDERSTAND
We ask how much you can invest, when you need it and how much risk you can take.
EXPLAIN
We explain suitable investments, why they fit, their risks and their costs.
IMPLEMENT
We help with the paperwork. You approve each investment transaction.
REVIEW
We review your investments twice a year. We discuss changes when your needs or investments change.
Sarvesh GuttiFounder, Auris Wealth
Founder, Auris Wealth
Meet Sarvesh Gutti
My approach starts with understanding the person behind the investment. How much can you invest? When might you need it? What risks can you take?
01
Understand your circumstancesMy approach starts with understanding the person behind the investment.
02
Explain suitable optionsAt Auris Wealth, I focus on explaining suitable options clearly.
03
Help you investI help with the paperwork and investment transactions you approve.
04
Keep reviewingI focus on maintaining a regular review process.
Investment education
Investment basics, in plain English.
Educational background on investment products. Auris GROWTH focuses on suitable mutual fund selection and regular reviews.
What is a mutual fund portfolio?
It is the combined exposure of all your schemes—not simply a list of fund names.
Read the important point
Two funds can hold many of the same companies. Review asset allocation, market-cap exposure, sectors, credit quality, costs, liquidity and overlap across the complete portfolio.
What is a Specialised Investment Fund?
SIF sits within the mutual-fund framework and permits more specialised strategies with added complexity.
What types can exist?
Offerings can use equity, debt or hybrid investment strategies, including long-short approaches where permitted. Every strategy has its own mandate, eligibility, minimum investment and risk disclosures. Read the offer document before investing.
What changes in Portfolio Management Services?
A registered portfolio manager manages an eligible client's securities under the agreed mandate.
What should be compared?
Review strategy, concentration, drawdowns, fees, benchmark, portfolio-manager history, custody, liquidity and disclosure documents. Auris distributes PMS; Auris itself is not a Portfolio Manager.
What is an Alternative Investment Fund?
AIFs pool capital for defined alternative strategies and can involve limited liquidity and higher complexity.
What are the broad categories?
Category I generally covers specified socially or economically desirable sectors; Category II includes private equity, private credit and similar funds; Category III can use complex or diverse trading strategies. Scheme terms and risks vary widely.
What are GIFT City fund routes?
These are fund structures operating in India's International Financial Services Centre under IFSCA rules.
What should an investor check?
Eligibility, currency, underlying assets, tax treatment, jurisdiction, remittance or repatriation route, liquidity, fees and the scheme documents. “GIFT City” alone does not make a product suitable or tax-efficient for every investor.
Does a bond mean the capital is safe?
No. A promised coupon is not the same as a guaranteed outcome.
Which risks matter?
Review issuer credit quality, security or collateral, maturity, interest-rate sensitivity, liquidity, concentration, call features and taxation. “Secured” does not remove default or recovery risk.
Check more than the minimum investment.
- Mutual funds: scheme minimums vary.
- SIF: generally ₹10 lakh across SIF strategies of one AMC, subject to current rules.
- PMS: regulatory minimum investment is ₹50 lakh.
- AIF: regulatory minimum is generally ₹1 crore, with specified exceptions.
- Eligibility does not mean suitability. Risk, liquidity, costs and timeline still matter.
Tax depends on what you own and when you sell.
- Equity-oriented funds can have different capital-gains treatment from debt-oriented or other funds.
- Some gains may be taxed at special rates; others may be taxed at your applicable rate.
- Dividends are generally taxed in the investor's hands.
- NRI withholding and treaty questions need a tax professional.
- Never select an investment only for a tax benefit.
Five things to check before investing.
- What does the product own?
- When can you take money out?
- How much can the value fall?
- What are all fees, expenses and exit costs?
- Who manages the money and what does the official document say?
Four risks many investors miss.
- Credit risk: the borrower may not pay on time.
- Access to money risk: you may not be able to exit when needed.
- Concentration risk: too much depends on one idea.
- Sequence risk: poor early returns can damage a withdrawal plan.
- Currency risk: overseas returns can change when the rupee moves.
Educational summaries only. Regulations, eligibility and product terms can change. Refer to the latest official documents and scheme-specific disclosures.
Still unsure which product belongs in your portfolio?
Start with the need. Then compare the product.
Insights
Investment Insights
Read about market developments, investment risks and the decisions that matter when investing a lump sum.
Why five funds may still be one concentrated bet
Different names can hold the same companies, sectors and market risks. Check the combined portfolio.
Where is the money you need next year?
Near-term withdrawals should not depend entirely on what markets do next month.
Do your salary and investments depend on the same industry?
True diversification includes where the family earns—not only where it invests.
Why ₹1 crore should not enter the market in one careless step
First separate emergency, near-term, income and long-term capital. Then decide product and timing.
A good return is useless if you cannot stay invested
The portfolio must match the fall you can tolerate in real life—not only on a questionnaire.
Ask what remains after every layer of cost and tax
A headline return is not the same as the investor's realised outcome.
Have a portfolio question?
Bring the question and your current investment list.
Your questions
FAQs
Clear answers before you begin.
What is Auris GROWTH?
Auris GROWTH helps clients invest ₹25 lakh or more for the long term. We explain suitable mutual funds and, where eligible, SIF strategies, help with transactions and review the investments regularly.
Is Auris GROWTH a mutual fund or PMS?
No. It is the name of our service. Your money is invested in the selected mutual fund schemes in your name. Auris does not pool your money or operate a discretionary portfolio management service.
What is the minimum initial investment?
Auris GROWTH starts at ₹25 lakh. Other solutions have different entry requirements. We explain these before you invest.
Can I add an SIP later?
Yes. After the initial lump-sum investment, you can add regular SIP contributions or further lump sums, subject to suitability and the selected schemes’ terms.
Will my entire lump sum be invested immediately?
We discuss whether to invest together or in stages, based on your needs and the chosen investments. Staging investments does not guarantee better returns or prevent losses.
Does everyone receive the same portfolio?
No. We use the same review process, but investment choices depend on when you need the money, the risk you can take and what you already own.
How long should I remain invested?
The appropriate period depends on your objective and the selected investments. Auris GROWTH focuses on long-term surplus. A long holding period does not guarantee a profit.
Are returns or my capital guaranteed?
No. Mutual fund values can fall, including below the amount invested. Neither growth nor capital protection is guaranteed.
How often will you review my investments?
We provide two scheduled reviews each year. Let us know when your financial circumstances or investment needs change.
Can I withdraw my money?
Withdrawal conditions depend on the selected schemes. Exit loads, taxes, lock-ins or other restrictions may apply. We explain relevant terms before you invest.
How is Auris Wealth paid?
Auris Apex LLP receives commissions on regular-plan investments distributed through us. Regular plans include distribution expenses and generally have higher expense ratios than corresponding direct plans. We explain our compensation as part of the investment discussion.
What happens during the introductory call?
We discuss the amount you are considering investing, your timeline and the support you need. We explain our service so you can decide whether to continue. There is no obligation to invest.
Book an Introductory Call
Let’s discuss the money you want to invest.
Tell us a little about your requirements. We will contact you to arrange an introductory conversation.
Request an Introductory Call
Monday–Saturday, 10 AM–7 PM · www.auriswealth.com