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    PMS · AIF · SIF (2026) · Insurance · MF Insights — interactive tools with DADA wisdom to find the right product for your wealth stage.

    Investable SurplusRs 25 L
    Rs 1LRs 2Cr

    ⚡ SIF Alpha Terminal2026 SEBI Framework

    Long-Short Payoff: 75% Long (Market + Alpha) + 25% Short (-Market - Friction)

    Market Stress Test-15%
    -30% Crash0%+30% Rally
    MF Return
    -16.0%
    SIF Return
    -4.9%
    SIF Edge
    +11.1%

    DADA Says: 🛡️ When markets crash, SIF's short leg becomes your armor. This is where discipline pays!

    Join the SIF Elite — Talk to DADA →

    👑 PMS vs Mutual Fund Engine

    Fee waterfall: Gross Return → Fees → Taxes → Net Wealth

    Investment AmountRs 50.0 L
    Time Horizon10 Years
    MF In-Hand Wealth
    Rs 1.55 Cr
    After fees + LTCG
    PMS In-Hand Wealth
    Rs 1.31 Cr
    After 2/20 + LTCG
    FeatureMutual FundPMS
    Minimum Investment✅ Rs 500 SIP Rs 50 Lakhs
    Personalization Pool-based⭐ Fully bespoke
    Transparency Monthly NAV⭐ Real-time holdings
    Tax Efficiency Fund-level gains⭐ Direct stock ownership
    Liquidity✅ T+1 to T+3 Market hours
    Cost✅ 1% TER avg 2% + 20% perf fee
    SEBI Regulation ✓ Regulated⭐ ✓ Regulated

    DADA Says: With Rs 50L+, PMS gives you direct stock ownership, real-time visibility, and tax harvesting. But remember — the fund manager's alpha must beat the extra fees. Choose wisely!

    🏛️ Alternative Investment Fund (AIF)
    ELITE

    Category I, II & III — For investors with Rs 1Cr+ investable surplus

    💰
    Minimum Rs 1 Crore
    Institutional-grade access for HNI investors
    🔒
    3-7 Year Lock-in
    Patient capital for superior alpha generation
    📊
    Tax Pass-Through
    No fund-level taxation — gains taxed at investor level
    🏛️
    SEBI NAV Reporting 2026
    Enhanced transparency with daily NAV under new SEBI norms
    CategoryFocusLock-in
    Cat IVenture, SME, Social, Infra3+ years
    Cat IIPE, Debt, Fund of Funds3-5 years
    Cat IIIHedge Funds, Long-Short, PIPEOpen-ended

    DADA Says: "AIF is the club for big players. The real advantage? Tax pass-through means no double taxation. But remember — illiquidity is the price you pay for alpha. Only invest surplus you won't need for 5+ years."

    Request AIF Details — Talk to DADA →
    🧠DADA's Growth Products Wisdom
    💡Never put more than 20% of wealth in a single product category.
    💡PMS is NOT a shortcut to returns — it's personalization. The alpha depends on the fund manager.
    💡SIF is the most innovative product since MFs. Long-Short hedging = better risk-adjusted returns.
    💡Compare XIRR, not absolute returns. Net-of-fee XIRR is the only truth.
    💡Opportunity cost of delay: ₹10L at 15% CAGR = ₹40.5L in 10 years. Every year you wait costs ~₹4L.
    📞 WhatsApp DADA
    🧓

    I've calculated your wealth gap. Let's fix it together.

    Your equity is 12% above target. Time to trim & redeploy.

    🎯 Target

    Equity 60% • Debt 40%

    📊 Current

    Equity 72% • Debt 28%

    💰
    LTCG Used: ₹45KLimit: ₹125K
    Tax-Free Zone
    📞 Execute with Koustav