About DreamLadder Capital:

We are India's online Mutual Fund investment platform with an objective to cater to the emerging needs of young Indians. Our Robo-advisory algorithm (Metta Money) has been developed by a panel having more than 13 years' of experience in the Equity Research domain.

Metta Money is "Automated Financial Advisor" which can play the role of valued strategic partner/friend in building your mutual fund portfolio in line with your risk appetite.

As of now, we do not charge any customer for any mutual fund investment (Lump sum or SIP) done through our website/platform. Nonetheless, we get a small fee from the AMCs for the investments done through our platform.

DreamLadder capital is an authorized distributor of mutual funds (ARN - 143182) by the Association of Mutual Funds in India (AMFI).

We are an investment advisory/mutual fund distribution company providing paperless investment solutions and support our clients & potential clients through phone and email. We don't have any other branch sourcing business apart from our HO at Mumbai, where we operate from.

We are an authorized distributor of mutual funds (ARN - 143182) by the AMFI and leverage our in-house Robo-advisory algorithm in the financial goal framework with focus on right asset allocation, asset rebalancing, market-linked investing and tax optimization.

Our panel of experts carrying an experience of over 13 years in equity research has devised the right investment strategy personalized especially for you. We use optimal mix of technology with human expertise to provide convenience in your investment journey with the simple, unbiased & jargon-free advisory.

Any Indian nationals, NRIs or PIOs can invest through us. NRIs or PIOs staying in US and Canada cannot invest at this point of time.

You have to follow three simple steps -
1) Create the login Id & password,
2) Fill the basic details and open your account with BSE Star MF,
3) Check your KYC. If not verified, you have to do this online by uploading few documents.

We take all possible steps to protect your confidential information about your account and investments. We provide bank level security to our customers.

We do not assure any kind of minimum returns. We try to look at different parameters to find the right kind of mutual funds. However, historical performance is not a guarantee for future performance.

Taxation implication comes only during withdrawal. As per the new taxation policy, gain on investment in equity fund is taxed @15%, if money is withdrawn within one year. Long term capital gain tax has been imposed @10% on the amount above Rs.One lakh. Similarly, on the debt fund, gains are taxed at applicable rate if money is withdrawn within 3 years, while for investment >3 years, gains are taxed @20% with indexation benefit.

Your investments are always held in your name with the mutual funds. You can continue to hold them and can redeem anytime by directly giving instruction to them or you can choose to transfer to any other ARN (AMFI Registration Number)

Mutual Fund related:

A Mutual Fund is a professionally-managed investment scheme, usually run by an AMC pooling the savings of a number of investors sharing a common financial goal.

Mutual funds can be a vital tool to ensure your financial well-being. They help you to get better returns even from relatively smaller investment amounts, and are quite flexible in nature. With options like SIP (Systematic Investment Plan) and SWP (Systematic Withdrawal Plan), mutual funds can help you plan for your short-term as well as long-term goals and financial liabilities.

The NAV (Net Asset Value) per unit is the market value of securities of a scheme post adding any cash or accrued income and subtracting liabilities. This is divided by the total number of units of the scheme on any particular date. For example: Total Value of Securities (Equity, Bonds, Debentures etc.): Rs.1,000 Cash: Rs.1, 500 Liabilities: Rs.500 Total outstanding units: 100 NAV: [(1000+1500-500)/100] = Rs.20 per unit

Expense ratio represents the annual fund operating expenses of a scheme, expressed as a percentage of the fund's daily net assets. Operating expenses of a scheme are administration, management, advertising related expenses, etc.

Yes!! Under regulatory requirement, mutual funds have to disclose their complete portfolios twice a year. These are published in leading newspapers, and some mutual funds also send out these details to their unit holders. You get details of which securities have been invested in, what is the proportion in which they have been invested, their market values and NAVs. They also declare illiquid securities, investments made in rated and unrated debt securities, Non-Performing Assets, etc.

A lump sum investment is of the entire amount at one go. For example, if an investor is willing to invest the entire amount available with him in a mutual fund, it will refer to as lump sum mutual fund investment.

SIP is a systematic investment plan where a fixed sum of money goes to a mutual fund every month. It is very simple but very effective in helping you save money regularly and grow it over time. Once you start this, every month a fixed amount would be automatically deducted from your bank account.

You can select a SIP as per our recommendation, based on your risk profile or you can select own your own. Through net banking you make the first payment. Later, by submitting on the ECS mandate, you authorize your bank to transfer the same amount every month to the fund automatically on a pre-defined day. Hence, there would be no need of transferring money every month.

Several Mutual Funds provide the investor with an option to shift his/her investment from one scheme to another within that fund. For this option the fund may levy a switching fee. Switching allows the Investor to move his investment wholly or partly from one scheme to another to meet his changed investment needs or changed risk profile or changing circumstances during his lifetime.

Yes. you can!! You just have to write a letter to your bank asking for cancelling the mandate.

You can start monthly investment (SIP) with as low amount as Rs.500/-. However, if you are doing lump sum/one-time investment, minimum amount would be Rs.5000/-

A mutual fund is set up in the form of a trust, which has sponsor, trustees, Asset Management Company (AMC) and custodian. The sponsor of a Mutual Fund creates a Trust (the fund) under the Indian Trust Act. The Trust in turn appoints an Asset Management Company (AMC). The trustees are responsible for safeguarding the interests of the investors in the Mutual Fund by ensuring that the operations of the fund comply with the relevant regulations. The fund also has to be approved by the market regulator, SEBI.

You can refer to any of these for information about mutual funds: 1)The websites of different mutual fund companies 2)The website of the Association of Mutual Funds in India (AMFI) 3)The ‘Mutual Funds' section of the Securities and Exchange Board of India (SEBI) website 4)Annual reports of SEBI 5)Financial websites or newspapers or finance sections of general publications and websites 6)Information from mutual fund agents or distributors.

Payment Related:

We provide a safe and secure investment platform with a bank-grade security. We are registered with Association of Mutual Funds in India (AMFI) and BSE Star MF and use BSE's robust transaction platform.

Your money is completely safe on our platform. We are using the payment gateway of BSE and you will be redirected to your bank account where it provides all the security for this transaction.

You can either pay through Net banking/NEFT/RTGS or through registered mandates or by depositing cheque with the Axis bank branch by T+1 or with Karvy cheque collection branches (~250 branches across India) with the details like transaction id, member id and customer id written at the back of the cheque.

The investments made by you remains in your name. Your money directly moves from your bank account to Mutual fund account, where you have invested. The AMCs will also send you the account statements through email/SMS. We only provide convenient platform; money does not come to us, even for a fraction of second.

You can withdraw your money anytime without paying any charge to us. However, if your withdrawal is before 12 months, most of the AMCs would impose some kind of exit load of 1% (this varies AMC to AMC)

Normally, the amount is credited on T+3 days. Sometime, it may take 1-2 working days to credit the money in your account.

There is no lock-in period for the MF investment unless you have invested in tax advantage fund or ELSS. In most of the cases, if your withdrawal before one year, you have to pay the exit load of 1%.

No. You can only get the money in same bank account through which you have made investment, for safety reasons. If you have closed that bank account, you have to submit a request for a change in the bank details.

Account registration & compliance related:

KYC stands for "Know Your Customers". You have to be KYC compliant, if you wish to invest in the mutual funds. As per the regulatory guidelines, identity of an investor is verified based on written details submitted by him/her on a form, supplemented by an IPV (In Person Verification Process).

No, you can't invest if you are not KYC compliant.

Until recently, if you wanted to invest through multiple intermediaries, you had to complete KYC compliance processes for each of the intermediaries separately. However, as per SEBI's new KRA regulations, there is a unified KYC process for all securities, and you need to complete this only once. This regulation has been effective since January 1, 2012, and currently, this unified KYC process is carried out by KYC Registration Agencies (KRAs), as notified by SEBI.

In case your PAN and KYC status are already updated in our records, you need not go through the KYC process again. If any further details are required as per the new regulations, you will be notified. If you are a new investor, and have not completed your KYC process yet, you will need to complete formalities as per SEBI's KRA regulations.

You have to submit following documents for Centralized KYC: 1)Duly filled and signed CKYC application form or KRA application form + Supplementary CKYC form 2)Self-attested copy of Identity Proof (PAN/Passport/Voter ID/DL/Aadhaar/any doc notified by central government) 3)Self-attested copy of Address Proof (Passport/Voter ID/DL/Aadhaar/any doc notified by central government) 4)One Photograph

KYC Identification Number (KIN) is a 14-digit number allotted by CERSAI (acts as the Central KYC Records Registry) to an investor who has completed his / her CKYC formalities. This number should be mentioned each time the CKYC details are required to be accessed by any intermediary.

Yes!!! The KYC formalities can be completed online through us. Our endeavor has been to provide a hassle-free and quicker approach to investing for our valuable clients. You can follow the steps and upload documents/images as specified in the KYC section.

You need to submit the photograph of PAN for mutual fund investments, in line with the regulatory requirements.

You need to submit a photograph of Identity Proof like Passport, Aadhaar Card, Voters Identity Card, Driving License, MNREGA card etc. for KYC application. However, if you are already KYC verified customer, you don't need to submit this document.

You need to submit a photograph of Address Proof like Passport, Aadhaar Card, Voters Identity Card, Driving License, Utility Bills (telephone bills for landline only, electricity bill, gas bill), bank account statement etc. for KYC application. However, if you are already KYC verified customer, you don't need to submit this document.

You need to submit this for the KYC application. However, if you are already KYC verified customer, you don't need to submit this document.

You need to submit this video for "In Person Verification" as required by the KYC regulations. However, if you are already KYC verified customer, you don't need to submit this document.