What does Percapita do?

We help you navigate investments and financial decisions across Mutual Funds, SIFs, PMS, AIFs, Insurance, and Loans, depending on your needs and eligibility.

Do I need to be a finance expert?

Not at all. You bring the goals and questions. We help simplify the options and explain the important stuff.

How do you choose investments?

We consider your goals, financial situation, risk profile, time horizon, and priorities when discussing relevant investment options.

What can I invest in through Percapita?

Our offerings include Mutual Funds, SIFs, PMS, and AIFs, subject to product eligibility and applicable regulations.

Do you guarantee returns?

No. Investments are subject to market risks, and returns are never guaranteed.

What happens if Percapita shuts down?

Your investments don’t belong to Percapita. For mutual funds, your investments are held through the relevant mutual fund and registrar infrastructure. If Percapita stops operating, your underlying investments remain subject to the terms and processes of the respective fund and applicable regulations.

For Regular Plan mutual funds, we do not charge you a separate platform or advisory fee. As an MFD, we receive distribution commission from the mutual fund scheme as permitted under the applicable regulations. There are no additional charges from us specifically for our guidance, portfolio reviews, or ongoing support under this arrangement. For other products, applicable fees and charges may vary and are communicated separately.

How does Percapita earn?

For Regular Plan mutual funds, we receive distribution commission from the respective mutual fund schemes. We believe you should know how we’re compensated.

What happens in the first meeting?

We talk. No complicated homework. We understand where you are financially, what you’re working towards, and what you’re looking for.

Is Percapita only about investments?

Nope. We also help clients think through areas such as insurance, borrowing, retirement, tax considerations, and broader financial planning.

Can I ask questions before investing?

Absolutely. Understanding the product, risks, costs, and how we’re compensated should come before any investment decision.

What’s the Percapita approach?

Less noise. More context. We keep things simple, explain the relevant options, and help you make informed financial decisions.

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AIFs Explained: What Are Alternative Investment Funds in India? | Percapita

3 November 2026 · 1 min read · Percapita

AIFs Explained: What Are Alternative Investments?

Alternative Investment Funds sound complicated.

The basic idea is actually pretty straightforward:

They invest through strategies that sit outside the traditional mutual-fund route.

What is an AIF?

An Alternative Investment Fund is a privately pooled investment vehicle established under SEBI’s regulatory framework and operates according to its specific category, strategy and offering documents.

AIFs are broadly classified into Category I, Category II and Category III, with different investment strategies and regulatory characteristics.

Why consider alternatives?

Alternative strategies can provide exposure to areas or approaches that may not be available through traditional investment products in the same way.

But they can also come with different:

Risk profiles
Liquidity conditions
Fee structures
Investment horizons
Eligibility requirements

What should you understand first?

Before considering an AIF, look beyond the name.

Understand:

Strategy → Structure → Risk → Liquidity → Fees → Eligibility

That’s the real checklist.

AIF vs mutual funds

They serve different purposes and operate under different structures.

Neither should be viewed in isolation.

The right question is whether an alternative investment fits within your overall financial and portfolio context.

The Percapita takeaway

Alternative doesn’t mean automatically better.

It means different.

And different deserves a closer look.

Alternative Investment Funds involve risk and are subject to applicable regulatory, eligibility, liquidity and investment requirements. Read all relevant documents carefully before investing.

Disclaimer : This article is for information only and is not investment advice or a recommendation to buy or sell any security. Investments are subject to market risks; read all scheme-related documents carefully before investing. No investment outcome is guaranteed. Percapita is an AMFI registered mutual fund distributor, ARN 142346.

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