Kapital Bridge
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Grow Wealth with Smart Investments

AMFI-certified advisors. From SIPs at ₹500/month to PMS, AIF & SIF — expert-guided investing for every stage of your wealth journey.

₹500
Min SIP Amount
5000+
Funds Available
AMFI
Certified Advisor
PMS+AIF
Premium Strategies
Fund Types

Choose the Right Fund for You

Expert-curated recommendations across all mutual fund categories based on your risk profile, goals and time horizon. We rebalance portfolios periodically.

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Equity Mutual Funds
Growth-oriented, market-linked wealth creation
High Risk 5+ Yr Horizon
5-Yr Avg Returns
12–18%
  • Invests predominantly in shares/stocks of companies — also known as Growth Funds
  • Active Funds: Fund manager hand-picks stocks through research & market analysis
  • Passive Funds: Portfolio mirrors a market index like Sensex or Nifty 50
  • By Market Cap: Large Cap, Mid Cap, Small Cap or Micro Cap options available
  • By Theme: Diversified (broad market) or Sectoral/Thematic (e.g. IT, Infrastructure)
  • Best suited for long-term wealth creation with a 5+ year investment horizon
👤 Who Should Invest: Young investors with 5+ year horizon, those with high risk appetite seeking wealth multiplication.
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Debt Mutual Funds
Stable income, low-volatility fixed-income investing
Low Risk 2–5 Yr Horizon
5-Yr Avg Returns
6–8%
  • Invests in fixed-income securities: corporate bonds, government bonds, debentures & money market instruments
  • Instruments include Commercial Papers and Certificate of Deposits (CDs) issued by banks
  • Maturity spectrum ranges from 1 day (liquid funds) to 10+ years (long-duration funds)
  • Categorised by maturity profile — Overnight, Liquid, Short Duration, Medium and Long Duration
  • Lower volatility compared to equity; returns generally beat fixed deposits over medium term
👤 Who Should Invest: Conservative investors, retirees, those saving for 2–5 year goals like a car or vacation.
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Hybrid Funds
Balanced equity + debt portfolio in a single fund
Moderate Risk 3–5 Yr Horizon
5-Yr Avg Returns
9–12%
  • Invests in a combination of equity and debt instruments in a single fund
  • Balances growth potential (equity) with downside protection (debt)
  • Aggressive Hybrid: ~65–80% equity, rest in debt — for moderate-to-high risk appetite
  • Balanced Hybrid: ~40–60% equity, offering equal balance of growth and stability
  • Conservative Hybrid: Majority in debt with small equity allocation for modest growth
  • Suitable for investors with 3–5 year horizon seeking diversification in one fund
👤 Who Should Invest: First-time investors, those with moderate risk appetite, investors with 3–5 year horizon.
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Index Funds
Low-cost market returns — no fund manager bias
Moderate Risk Passive
5-Yr Avg Returns
10–13%
  • Passively managed funds that replicate a specific index like Nifty 50 or Sensex
  • No active stock selection — portfolio mirrors the index composition exactly
  • Goal is to match market returns, not beat them — consistent and predictable
  • Lower expense ratios compared to actively managed funds
  • Transparent — you always know which stocks your money is invested in
  • Ideal for long-term, hands-off investors who want broad market exposure
👤 Who Should Invest: Passive investors, those who want market returns at minimal cost, long-term wealth builders.
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ELSS — Tax Saving Funds
Save tax under Sec 80C + earn equity-linked returns
High Risk 3-Yr Lock-in 80C Benefit
Max Tax Saving
₹46,800
  • Tax deduction up to ₹1.5 Lakhs per year under Section 80C of Income Tax Act
  • Maximum tax saving of ₹46,800/year for investors in the 30% tax bracket
  • Shortest lock-in period of just 3 years among all 80C investment options
  • Primarily invests in equity — higher return potential compared to PPF or NSC
  • Available in Growth and Dividend (IDCW) payout options
  • Best used as both a tax-saving tool and long-term wealth creation vehicle
👤 Who Should Invest: Taxpayers in 30% bracket, those wanting equity growth + tax benefits with shortest lock-in of all 80C options.
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Liquid Funds
Park surplus cash — better returns than savings accounts
Very Low Risk Instant Redemption
1-Year Returns
5–6%
  • Invests in very short-term debt instruments with maturity up to 91 days
  • Returns of 5–6% p.a. — significantly better than a regular savings account (3–3.5%)
  • Instant redemption available up to ₹50,000 or 90% of folio value (whichever is lower)
  • No lock-in period — funds accessible within 1 business day
  • Very low risk — regulated exposure limits on each instrument type
  • Ideal for parking surplus cash, building an emergency fund, or short-term goals
👤 Who Should Invest: Anyone with idle cash > ₹50,000, emergency fund parking, businesses needing short-term returns on surplus.
Premium Strategies

Beyond Mutual Funds — Institutional-Grade Investing

For investors seeking more sophisticated, actively managed strategies with differentiated return potential and stronger downside protection.

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Portfolio Management Services (PMS)
SEBI-registered, discretionary portfolio management
PMS High Risk 3+ Yr Horizon
Minimum Investment
₹50L
  • Individually managed portfolio — each client holds securities directly in their own demat account
  • SEBI-registered Portfolio Managers run concentrated, high-conviction strategies across equity, debt or hybrid
  • Greater flexibility than mutual funds — no SEBI diversification mandates, can take large concentrated bets
  • Strategies include Long-Only Equity, Multi-Asset, Quant-based and Thematic approaches
  • Full transparency — clients get real-time access to their portfolio and every trade made
  • Typically charges a fixed management fee plus a performance fee above a hurdle rate
  • Kapital Bridge helps you evaluate and onboard leading PMS providers matched to your risk profile
👤 Ideal for: HNIs with ₹50L+ investible surplus who want customised portfolios, concentrated strategies and direct ownership of securities.
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Alternative Investment Funds (AIF)
SEBI-registered pooled investment vehicles — Category I, II & III
AIF High Risk
Minimum Investment
₹1Cr
  • Pooled investment vehicles for sophisticated investors, regulated under SEBI AIF Regulations 2012
  • Category I: Infrastructure, SME, Social Venture and Venture Capital Funds — often tax-beneficial
  • Category II: Private Equity, Real Estate, Debt and Distressed Asset Funds — most common HNI choice
  • Category III: Hedge Funds using complex trading strategies including long-short, derivatives and leverage
  • Access to private markets, pre-IPO deals and unlisted securities not available through mutual funds
  • Long lock-in periods (3–7 years typically) — suited for patient capital seeking higher absolute returns
  • Kapital Bridge connects clients with leading AIF managers and assists with due diligence
CategoryFocusLock-inRisk
Cat IVC / Infra / SME3–5 yrsModerate–High
Cat IIPE / Real Estate / Debt4–7 yrsModerate–High
Cat IIIHedge / Long-Short1–3 yrsHigh
👤 Ideal for: Sophisticated investors with ₹1Cr+ surplus seeking access to private markets, alternative strategies and returns uncorrelated with public markets.
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Specialised Investment Funds (SIF)
New SEBI category — institutional-grade strategies at a lower entry point
NEW · SIF Moderate–High
Minimum Investment
₹10L
  • A new SEBI-regulated investment category bridging the gap between mutual funds and PMS/AIF
  • Open to retail investors at a much lower entry level of ₹10L — versus ₹50L for PMS and ₹1Cr for AIF
  • Managed by SEBI-registered AMCs with greater investment flexibility than traditional mutual funds
  • Can deploy long-short equity strategies, use derivatives for hedging, and hold concentrated positions
  • Better downside protection compared to traditional long-only mutual funds and PMS
  • Strategies designed to generate alpha in both rising and falling markets through active risk management
  • Ideal stepping stone for investors graduating from mutual funds who want more sophisticated exposure
👤 Ideal for: Investors with ₹10L+ who want institutional-grade strategies — long-short, hedged, or absolute return — at a more accessible entry point than PMS or AIF.

Quick Comparison — Which is Right for You?

FeatureMutual FundSIFPMSAIF
Min Investment₹500 (SIP)₹10 Lakh₹50 Lakh₹1 Crore
RegulationSEBI / AMFISEBISEBISEBI
Portfolio OwnershipUnits (pooled)Units (pooled)Direct securitiesUnits (pooled)
StrategiesLong-onlyLong-short, hedgedConcentrated equityPE, RE, Hedge
LiquidityHigh (T+1/2)ModerateModerateLow (lock-in)
Downside ProtectionLow–ModerateBetterModerateStrategy-dependent
Fixed Income

RBI, GoI, Capital Gain & Corporate Bonds

Government-backed safety meets corporate yields. Capital gain tax exemption options available.

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RBI & Government of India Bonds
Sovereign-guaranteed, zero credit risk instruments
Sovereign Zero Credit Risk
Risk Level
Zero
  • Issued by the Reserve Bank of India and Government of India — backed by sovereign guarantee
  • RBI Floating Rate Savings Bonds (FRSB) currently offer competitive returns linked to NSC rates
  • GoI dated securities offer fixed coupon payments and are ideal for long-term stable income
  • Zero credit risk — principal and interest are fully protected by the Government of India
  • Available in both cumulative (growth) and non-cumulative (regular interest payout) options
  • Held in demat form through RBI Retail Direct or via Kapital Bridge for a seamless experience
👤 Ideal for: Conservative investors, retirees and HNIs seeking zero-risk, sovereign-backed fixed income with assured returns.
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Corporate Bonds
Higher yields from reputed Indian corporates with strong credit ratings
Higher Yield Low–Moderate Risk
Yield Advantage
+1–3%
  • Bonds issued by leading Indian corporates — higher yield than government bonds with acceptable credit risk
  • We offer bonds from AAA and AA+ rated companies offering superior safety alongside better returns
  • Available in short, medium and long durations to match your investment horizon
  • Regular interest payouts (typically semi-annual) provide predictable cash flows
  • Liquidity available via secondary market trading for most listed corporate bonds
  • Kapital Bridge helps you compare yield, rating, duration and liquidity across issuers
👤 Ideal for: Investors seeking better returns than FDs and government bonds while maintaining high safety through investment-grade rated issuers.
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54EC Capital Gain Tax Exempt Bonds
Save Long Term Capital Gains Tax — offered by REC & NHAI
Tax Exempt Sovereign-backed 5-Yr Lock-in
Tax Saving
LTCG
  • Invest capital gains from sale of immovable property to claim 100% exemption from Long Term Capital Gains Tax
  • Available from Rural Electrification Corporation (REC) — a highly safe, government-backed NBFC
  • Also offered by NHAI (National Highways Authority of India) — another sovereign-backed issuer
  • Maximum investment limit of ₹50 Lakhs per financial year per issuer
  • Lock-in period of 5 years — bonds cannot be transferred, pledged or used as collateral during this period
  • Must be invested within 6 months of the date of transfer of the property to avail the exemption
👤 Ideal for: Property sellers with Long Term Capital Gains who want to avoid LTCG tax by investing in highly safe government-backed bonds within 6 months of the sale.
Fixed Deposits

Bank & Corporate Fixed Deposits

Higher-yield fixed deposits from leading corporates and Small Finance Banks — for both residents and NRIs.

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Corporate Fixed Deposits
Distributed by Kapital Bridge from leading Indian corporates
Higher Returns Low–Moderate Risk
Typical Yield
7–9%
  • Fixed deposits from AAA/AA-rated Indian corporates offering better returns than bank FDs
  • We distribute FDs from reputed companies with strong balance sheets and credit ratings
  • Available in flexible tenures — from 12 months to 5 years to suit your goal horizon
  • Both cumulative (interest reinvested) and non-cumulative (regular payout) options available
  • Senior citizen benefit: additional interest rate of 0.25%–0.50% p.a. on select schemes
  • Minimum investment typically ₹10,000 — making it accessible for most investors
👤 Ideal for: Conservative investors, retirees and those seeking predictable, higher-than-bank returns with capital safety from investment-grade rated companies.
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Small Finance Bank Fixed Deposits
For both NRI and Resident investors — among the highest FD rates in India
NRI Resident DICGC Insured
Typical Yield
8–9.5%
  • Small Finance Banks (SFBs) are RBI-regulated and insured by DICGC up to ₹5 Lakhs per depositor
  • Offer some of the highest FD interest rates in India — typically 1–2% more than large commercial banks
  • We distribute FDs from leading SFBs with strong asset quality and regulatory compliance track records
  • NRI options: NRE FDs (tax-free interest, fully repatriable) and NRO FDs available
  • Resident options: standard FDs available with competitive senior citizen rates
  • Premature withdrawal facility available with minor penalty — providing liquidity if needed
👤 Ideal for: Both NRI and resident investors seeking RBI-regulated, DICGC-insured deposits with higher-than-average interest rates and easy digital account opening.
Equity

Listed & Unlisted Shares

Build long-term wealth through listed markets and early-stage access to promising unlisted companies before they go public.

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Listed Shares & Demat Account
End-to-end support for equity investing in Indian stock markets
NSE & BSE Listed Moderate–High Risk
Min Investment
₹500
  • Kapital Bridge helps investors open demat and trading accounts with leading brokers for seamless equity investing
  • Access to all stocks listed on NSE and BSE — large cap, mid cap, small cap and sectoral plays
  • Long-term wealth creation through direct equity ownership — historically the best-performing asset class in India
  • Guidance on building a diversified equity portfolio aligned to your risk profile and financial goals
  • Access to IPOs, FPOs and Rights Issues for primary market participation
  • Full transparency — you directly own the shares in your demat account with real-time portfolio tracking
👤 Ideal for: Investors who want direct equity ownership, IPO access and long-term wealth creation through stock market participation with professional guidance.
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Unlisted Shares
Early-stage access to promising companies before their IPO listing
Pre-IPO High Growth High Risk
Return Potential
Multi-X
  • Invest in equity of promising companies before they get listed on public stock exchanges
  • Early investors often benefit from significant valuation re-rating at the time of IPO listing
  • Access to fast-growing startups, family businesses and established unlisted companies across sectors
  • Shares are held in your demat account — same security and transparency as listed equity
  • Liquidity available through the unlisted share market prior to IPO, though lower than listed markets
  • Kapital Bridge provides research, due diligence support and access to curated unlisted opportunities
⚠️ Risk Disclosure: Unlisted shares carry higher risk including illiquidity and business risk. Invest only if you understand the risks and have a long-term horizon of 3–5 years or more.
👤 Ideal for: Investors with high risk appetite and long investment horizon (3–5+ years) seeking outsized returns by investing early in high-growth companies before their public listing.
SIP Calculator

Plan Your SIP Returns

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