Vijay Malik Financial Services (ARN-317605) is an AMFI-registered mutual fund distributor based in Chandigarh, serving investors across India. We help families and working professionals start, review, and optimise their mutual fund portfolios — with a focus on long-term, goal-based investing through SIPs in Direct and Regular mutual fund plans.

Common queries we handle: starting a new SIP in ELSS, Large Cap, Flexi Cap, or Hybrid funds; reviewing an existing portfolio for redundancy, overlap, or underperformance; switching from Regular to Direct plans; computing XIRR on a portfolio; selecting the right fund category for a specific goal (retirement, education, home down payment); and understanding the tax implications of fund redemptions including LTCG and STCG.

We are partnered with NJ Wealth and SBI Mutual Fund — India's largest distribution networks — giving our clients access to the full universe of 1,800+ schemes across every AMC in India. Onboarding is fully digital through NJ's e-Wealth platform: KYC completion, mandate setup, and SIP activation can all be done without a physical visit.

We do not provide investment advice — we are a distributor, not a SEBI-Registered Investment Adviser (RIA). All data and research on this platform is for educational purposes only. If you have a question about a specific fund, a category comparison, or the mathematics of compounding, send us a message — we typically respond within one business day.