Fund Selection & Recommendation Policy

Not every scheme in India — a curated shortlist built around your goal, not our commission.

Objective

This policy defines how CompoundIn builds and maintains its shortlist of mutual fund, gold, fixed income, and GIFT City/SIF products, in line with AMFI guidelines — so recommendations are objective, consistent, and suited to each investor's goals, not to whatever pays the most.

Scope

This policy applies to every product category CompoundIn distributes: open-ended mutual fund schemes (equity, debt, hybrid, and index funds) offered via lumpsum, SIP, STP, and switch transactions; Specialized Investment Fund (SIF) products; digital gold and fixed income offered through our ONDC network partners; and GIFT City-based international fund structures.

Core principles

Compliance first: Every recommendation adheres to AMFI guidelines and the AMFI Code of Conduct for Mutual Fund Distributors.
Evidence-based: Fund selection is based on quantitative and qualitative analysis — not promotional incentives from AMCs.
Transparency: You're told about risks, costs, commissions, and any conflicts of interest where applicable.
Suitability: Recommendations are matched to your risk profile, investment horizon, and financial goals — not a generic "best fund" list.
Documentation: The rationale behind fund selection and client communication is recorded for review purposes.

Fund selection criteria

Legitimacy: Only mutual fund schemes offered by AMFI-recognised Asset Management Companies (AMCs) are considered.
Track record: Consistency of performance relative to category peers over multiple time horizons, where sufficient history exists.
Risk profile fit: Volatility and downside risk relative to category peers, matched against the investor's stated risk comfort.
Portfolio quality: Assessment of portfolio concentration, sector allocation, credit quality (for debt funds), and fund manager tenure.
Cost: Expense ratio relative to category peers, since cost compounds against you the same way returns compound for you.

Fund lists are reviewed periodically. Material changes in fund performance, fund manager, or portfolio composition trigger re-evaluation of that fund's place on our shortlist.

What we're registered to distribute

CompoundIn operates as a Mutual Fund Distributor under AMFI registration ARN-325252. We are not a Registered Investment Adviser (RIA) under SEBI — our recommendations are distribution-based, and we earn a standard trail commission from AMCs, not advisory fees from you.

HDFC Mutual Fund
ICICI Prudential Mutual Fund
SBI Mutual Fund
Edelweiss Mutual Fund
+ additional empanelled AMCs

Specialized Investment Funds (SIF): CompoundIn also distributes SIF products where empanelment is complete. SIF is a distinct, separately-regulated SEBI category from standard mutual funds — SIF-specific risk disclosures apply and are provided before any SIF investment.

International / GIFT City funds: CompoundIn is registered with the International Financial Services Centres Authority (IFSCA) to distribute international fund structures based in GIFT City (Gujarat International Finance Tec-City) — a separate regulator from SEBI/AMFI, with its own eligibility, currency, and disclosure requirements. We currently distribute DSP Global Equity Fund, HDFC GIFT City Fund, and PPFAS GIFT City Fund. These are distinct products from domestic mutual funds and carry separate risk factors, including currency risk, disclosed before investment.

Suitability & risk mapping

Investor risk profiles are broadly mapped to suitable fund categories as follows — final fund selection within the mapped category still depends on your specific goal and requirements:

Conservative: Liquid funds, ultra-short/short-duration debt funds, conservative hybrid funds, fixed deposits.
Moderate: Balanced advantage funds, aggressive hybrid funds, large-cap equity, index funds, digital gold.
Aggressive: Mid-cap, small-cap, flexi-cap, sectoral/thematic funds, and international/GIFT City equity funds.

What this doesn't mean

Being on our shortlist isn't an endorsement of guaranteed performance, and being left off it isn't a judgment that a scheme is bad — it may simply be outside our current empanelment. Every scheme we show comes with its own Scheme Information Document and Key Information Memorandum, which we'll always point you to before you invest. For how we're paid on any of this, see Commission Disclosure. For complaints about a specific recommendation, see Investor Grievance Redressal.

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