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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What Are SIFs? Specialized Investment Funds Explained | Percapita

3 November 2026 · 1 min read · Percapita

SIFs Explained: The New Kid on the Investment Block

You’ve probably heard about SIFs popping up in investment conversations.

So, what exactly are they?

SIF stands for Specialized Investment Fund — a category introduced within the Indian mutual fund framework for more specialised investment strategies, subject to applicable regulatory requirements.

Why are people talking about SIFs?

Traditional mutual funds cover a wide range of investment strategies.

SIFs are designed to provide access to more specialised strategies within a defined regulatory framework.

That can mean different approaches to portfolio construction and investment management.

But specialised doesn’t automatically mean suitable.

What should you look at?

Before considering an SIF, understand:

The investment strategy
Risk level
Investment horizon
Liquidity considerations
Eligibility requirements
Applicable costs and conditions

SIF vs traditional mutual funds

The difference isn’t simply “new vs old.”

The more important question is how the strategy works and whether it fits your financial situation.

Understanding the underlying strategy matters more than the label.

The Percapita takeaway

New investment categories can be interesting.

But “interesting” isn’t the same as “right for you.”

Know the strategy before you know the product.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully. SIFs are subject to applicable eligibility, investment and regulatory requirements.

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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