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AMFI Registered · India's Premium Advisor

Invest with
intention.
Grow with
discipline.

Cartal crafts personalised mutual fund portfolios for Indians who treat wealth-building as a lifelong practice — not a gamble. From ₹500/month.

Start Your SIP ↗ Book Free Consult

You will be redirected to our secure investment partner platform (NJ Wealth) to complete your onboarding and start investing.

500+
Active investors
₹10Cr
Under advisory
30+
AMC partners
8yr
Track record
Goal on track
🏠 Home Fund ✓
Portfolio Value
₹4,82,600
↑ 18.4% overall
Live
3 Active SIPs
M
Mirae Large Cap
₹3,000 / mo · Equity
+22.1%
A
Axis ELSS Tax Saver
₹2,000 / mo · ELSS
+17.8%
H
HDFC Balanced Adv.
₹1,500 / mo · Hybrid
+14.3%
Next SIP
in 3 days
AMFI Registered Distributor
100% Paperless KYC
30+ Fund Houses
Direct & Regular Plans
Dedicated Personal Advisor
SEBI Compliant
Goal-Based Portfolios
Quarterly Reviews
AMFI Registered Distributor
100% Paperless KYC
30+ Fund Houses
Direct & Regular Plans
Dedicated Personal Advisor
SEBI Compliant
Goal-Based Portfolios
Quarterly Reviews
What we offer

Every service your
wealth needs

From your first SIP to a comprehensive retirement strategy — we handle every dimension of your financial life.

See all services →
01
◈
SIP Planning
Customised monthly SIP plans built around your goals, risk profile, and timeline. Starting at ₹500/month.
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02
◎
Goal-Based Investing
Separate investment baskets for each milestone — home, education, travel, retirement — each with its own strategy.
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03
◇
Retirement Planning
A corpus built to last — accounting for inflation, lifestyle evolution, and healthcare. Start early, retire free.
↗
04
▽
ELSS Tax Saving
Save up to ₹46,800 in taxes annually under Sec 80C while building equity wealth. Smartest 80C instrument.
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05
○
Portfolio Review
Unbiased audit of your existing portfolio. Spot overlaps, identify underperformers, optimise allocation.
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06
□
Investor Education
Free workshops, concise guides, one-on-one sessions — because informed investors make better decisions.
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Process

Simple.
Transparent.
Yours.

01
Free Consultation
A 30-minute call with no agenda except understanding your goals. Your income, your dreams, your timeline — we listen first.
02
Personalised Blueprint
We design a precise mutual fund portfolio — the right funds, amounts, and frequencies — mapped to exactly your goals.
03
Digital Onboarding
Complete 100% paperless KYC in under 10 minutes. Your SIP begins automatically. Nothing to remember.
04
Ongoing Partnership
Quarterly portfolio reviews, market updates, and a dedicated advisor who knows your name — not just your ticket number.
Your first 90 days with Cartal
Day 1
Intro call booked
30 min, no commitment
Completed
Day 3
Portfolio blueprint delivered
Custom fund selection + SIP amounts
Completed
Day 7
KYC complete, SIP live
Fully paperless. Auto-runs monthly.
Completed
Day 30
First portfolio check-in
Review performance & answer questions
Upcoming
Day 90
Full quarterly review
Rebalance if needed. Grow your SIP.
Upcoming
Start Your Journey ↗
Why Cartal

The difference is
in the details

500+
Investors who trust us
₹10Cr
Under advisory
8yr
Advisory track record
4.9★
Avg. investor rating
Investor spotlight

"When I started with Cartal, investing felt overwhelming. Within one session, everything clicked. Now I have 3 SIPs and I check my portfolio without anxiety."

P
Priya Sharma
Software Engineer, Pune · Investor since 2021
Our commitment
🎯
Goal-First Philosophy
We begin with your life goals — not products to sell. Every fund recommendation exists to serve a specific purpose in your financial story.
🔍
Radical Transparency
No hidden fees, no confusing jargon. You know exactly what you're invested in, what it costs, and how it's performing — at all times.
⚡
Fully Digital Experience
Paperless KYC, digital SIP setup, 24/7 portfolio tracking. Get started in under 30 minutes, from anywhere in India.
🛡️
AMFI Registered & Compliant
Your money is held directly by the AMC — never by us. Fully SEBI-regulated, operating with the highest fiduciary standards.
🤝
A Human Who Knows You
You get one dedicated advisor — not a bot, not a random call centre agent. Someone who remembers your goals and checks in proactively.
About Us

About Cartal Investments

Cartal Investments is a personal wealth advisory firm focused on helping individuals build long-term wealth through disciplined mutual fund investing.

We believe wealth creation is a long-term journey built on consistency, patience, and intelligent asset allocation.

Through goal-based investing, SIP strategies, and regular portfolio reviews, we help investors stay on track toward their financial goals.

AMFI Registered Mutual Fund Distributor  ·  ARN: 246007
The People Behind Your Wealth

Meet the Team

A
Founder

Alwyn Joy

Founder – Cartal Investments

AMFI Registered Mutual Fund Distributor  ·  ARN: 246007

Alwyn founded Cartal Investments with the vision of helping individuals invest with clarity and discipline. His approach focuses on long-term wealth creation through structured mutual fund portfolios and disciplined SIP investing.

A
Growth Partner

Anand Bhadke

Growth Partner – Business Development & Investor Relations

Anand focuses on business development, investor outreach, and strategic growth initiatives to expand the reach of Cartal Investments.

SIP Calculator

Watch your wealth multiply

Adjust the sliders to visualise what disciplined monthly investing can achieve over time. Illustration only.

Customise your SIP

An illustrative projection — not a guarantee of returns

Monthly SIP Amount ₹5,000
Investment Period 10 Years
Expected Annual Return 12%

⚠ This calculator provides an illustrative projection only. Mutual fund investments are subject to market risks. Returns are assumed and not guaranteed. Read all scheme documents carefully before investing.

Estimated corpus at maturity
₹11.6 Lakhs
Total Amount Invested ₹6.0 L
Estimated Wealth Gains ₹5.6 L
Wealth Multiplier 1.9×

Past performance is not indicative of future results. Mutual fund investments are subject to market risk. Returns shown are assumed for illustration only and may vary significantly.

Start This SIP ↗
Testimonials

Investors who chose
patience over speculation

★★★★★
"

I started my first SIP through Cartal 3 years ago. What I loved most was how patiently they explained everything. No pressure, no jargon — just real clarity. My portfolio is healthy and I sleep without anxiety.

R
Rahul Mehta
Software Engineer, Pune · SIP since 2021
★★★★★
"

As a freelancer, I was always confused about where to put my savings. Cartal set up a goal-based plan for my daughter's education and my retirement — all in one session. Very professional, very human.

P
Priya Sharma
Freelance Designer, Mumbai
★★★★★
"

I had 12 overlapping funds with no real strategy. Cartal reviewed everything, consolidated intelligently, and now I have a clean, focused portfolio. Their quarterly reviews are genuinely valuable — not just reports.

A
Amit Joshi
Business Owner, Bengaluru
FAQ

Common
questions

Have more? Reach out — we reply within a few hours.

Still unsure?

Book a free 30-minute call. No commitment, no pressure — just clear, honest answers to every question you have.

WhatsApp Us
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund automatically every month. It removes the burden of timing the market, benefits from rupee cost averaging, and builds wealth through compounding. Start with as little as ₹500/month — your SIP runs without you having to do anything manually.
Mutual funds are market-linked instruments — returns fluctuate and are not guaranteed. They are regulated by SEBI, and your money is held directly by the AMC, not by us. Long-term, diversified SIP investing has historically been an effective wealth-building strategy, though past performance never guarantees future results.
There's no universal answer — it depends on your income, expenses, goals, and timeline. A common starting benchmark is 20% of monthly take-home salary. Our advisors will help you find the right SIP amount during a free consultation, with no pressure to commit.
Yes — SIPs are fully flexible. You can pause, increase, decrease, or stop at any time with no penalty. Exit loads may apply on early redemption for equity funds (typically for redemptions within 1 year). We always advise investors to stay invested during market dips, as that's often when SIPs compound most powerfully.
The initial consultation is always free. For regular plan mutual funds, Cartal earns a distribution commission from the AMC — this is fully disclosed and adds no direct cost to you. For fee-based advisory on direct plans, fees are discussed transparently upfront. We believe you should always know exactly how we earn.
Simply book a free consultation via the form below, WhatsApp, or email. We'll understand your goals, guide you through 100% paperless KYC, and have your first SIP live within a few days. The entire process takes under 30 minutes. No documents to print, no branch to visit.
Let's Talk

Begin your wealth
journey today

2-minute form. Advisor calls within 24 hours. No obligation, no spam — just an honest conversation about your financial future.

📞
Phone & WhatsApp
+91 91585 77304
📧
📍
Location
Mumbai, Maharashtra, India

No spam. Your data stays private.

✦

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C
Cartal Support
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