Your Wealth.
Growing Smarter.

Indian retail investors now have access to more mutual fund schemes than the United States, the UK, and Australia combined — over 50,000 when you count every Direct, Regular, Growth, and IDCW variant listed on AMFI. That scale is both the opportunity and the problem. The opportunity: real choice. The problem: pricing, factsheet quality, and historical performance data live in a dozen fragmented PDFs, CSVs, and scraped tables that few investors have time to reconcile. We built Vijay Malik Financial Services to consolidate that data into one research surface, and to keep it current with the same ingestion cadence a large AMC uses internally.

Every fund page on this site draws from four independent data sources: the AMFI NAV feed (21:30 IST daily), the fund house's own monthly factsheet (parsed with a strategy-pattern PDF engine), stock-level holdings from disclosures, and index benchmark data used to compute rolling alpha and beta. When the numbers disagree — and sometimes they do — we flag it rather than silently picking one. This matters when you are deciding whether to keep contributing to a scheme that has quietly changed mandate, or whether a “5-star” rating from a rating agency is based on the same universe as its three peers.

Returns that match reality. Point-to-point returns flatter a fund when the end-date happens to be a good week. We compute rolling 3-year and 5-year returns across every overlapping window in a fund's history, then report the median, the 10th percentile (the bad years), and the 90th percentile (the good years). A fund's median 5-year rolling return is a better proxy for what you should expect than any single trailing number.

Risk that you can act on. Standard deviation tells you the fund is volatile. Downside capture tells you how much of the index's loss it actually absorbs when the market corrects. Maximum drawdown tells you the worst peak-to-trough period you would have lived through. Sortino ratio penalises only the downside volatility — which is the only volatility that actually matters when you are withdrawing via SWP in retirement.

Tax that matches the Act. The LTCG calculator applies the current ₹1.25 lakh threshold on equity mutual funds and the 12.5% rate for gains above it (post-2024 Budget). For debt funds acquired after 1 April 2023, every rupee of gain is treated as slab-rate ordinary income — the old indexation benefit is gone. We annotate every portfolio row with its correct tax treatment so you do not confuse an equity-hybrid fund (taxed as equity) with an aggressive-hybrid fund taxed at slab rates.

Goal math that does not lie. We run 10,000-path Monte Carlo simulations using Geometric Brownian Motion on each goal's asset allocation, then report the probability your current SIP reaches the target — not a single deterministic projection that assumes a constant 12% return.

Vijay Malik Financial Services is a sole proprietorship owned by Ojasvi Malik, an AMFI-registered Mutual Fund Distributor (ARN-317605). The firm is named in memory of Ojasvi's father, Vijay Malik, whose own investing discipline is the editorial bias you'll recognise across every calculator and fund page: favour costs you can control, distrust stories you cannot verify, and never confuse a bull market with skill.

As an MFD, we earn trail commissions on Regular plan schemes held by our clients, disclosed in full on our Disclosures page. We do not earn anything on Direct plan schemes — yet Direct plans are prominently featured throughout this site, because we think the right product for a self-directed investor is the one they actually chose, not the one that pays us. The firm is not a SEBI-registered Investment Adviser; we do not give personalised investment advice or receive any advisory fee. Every fund page ends with the same reminder: mutual fund investments are subject to market risks, and past performance is never a guarantee of future returns.

If you have a grievance, the escalation path is on our Contact page — distributor first, then AMC, then AMFI, then SEBI SCORES. That path is prescribed by regulation, not by us.