✦ Subhavani Nemalikanti · AMFI MFD · ARN-358080

SampathaSetu

Mutual Fund Distributor in Hyderabad | SampathaSetu — Subhavani Nemalikanti ARN-358080

Invest | Protect | Enjoy

Most Indians earn well but build wealth slowly — because nobody explained it in plain language. We change that. No jargon. No hidden fees. Just a clear path to the life you want.

GET IN TOUCH Try Calculators →

Avg. 12% p.a. returns (historical, illustrative — not guaranteed)

✦ The Power of Starting Early

"Your first pay cheque was the best time to start investing.
Your next pay cheque is the second best."

🎓

Child's Education

₹5,000/mo

→ ₹25 L in 15 yrs

🏠

Dream Home Down Payment

₹10,000/mo

→ ₹50 L in 15 yrs

🌴

Retirement Corpus

₹15,000/mo

→ ₹5.24 Cr in 30 yrs

*Illustrative at 12% p.a. Actual returns vary. Not investment advice.

Scroll to explore

WHO WE ARE

How Can We Help?

Most Indians save diligently but invest hesitantly — overwhelmed by options, unsure who to trust. We exist to fix that gap. We build personalised wealth plans with MFs for salaried professionals, business owners, and NRIs — whether you are starting with ₹500 a month or managing a ₹50 lakh portfolio.

40+

families helped start & manage goal-based MF portfolios since 2022

₹5k – ₹50k

typical monthly SIP range across 2–4 goals per client

Zero Fee

you pay nothing for guidance — our fee comes from fund houses

Zero Guidance Fee

You pay absolutely nothing for our guidance. Our fee comes from fund houses — not from your pocket.

Goal-Based Planning

Every fund maps to a specific goal — child's education, retirement, home — with a clear timeline and target corpus.

Plain Language, Always

No jargon, no confusing acronyms. We explain every decision simply so you stay informed and in control.

Quarterly Reviews

Markets change. Life changes. We proactively review and rebalance your MF portfolio every quarter — at no extra cost.

Meet the Founder

FINANCIAL TOOLS

Investment Calculators

Plan your SIP, Lumpsum, SWP & STP investments with our comprehensive calculator suite.

SIP Calculator

Invest a fixed amount monthly and watch compounding build wealth.

Monthly Investment

₹

₹100₹50 L

Expected Return (p.a.)

1%30%

Time Period

1 Yr40 Yrs

Enable Annual Step-up

Annual Step-up Rate

1%50%

After 10 years you'll have

₹—

Estimated corpus

—Returns

Total Invested—

Est. Returns—

Returns on Investment—

Year	Invested (Yr)	Total Inv.	Returns	Value

Lumpsum Calculator

One-time investment — see how it multiplies over time.

Investment Amount

₹

₹1K₹10 Cr

Expected Return (p.a.)

1%30%

Time Period

1 Yr40 Yrs

After 10 years you'll have

₹—

Estimated value

—Returns

Principal—

Est. Returns—

Absolute Returns—

Year	Opening	Returns	Closing

SWP Calculator

Withdraw monthly from corpus while the remainder keeps growing.

Total Corpus

₹

₹1 L₹5 Cr

Monthly Withdrawal

₹

₹1K₹5 L

Expected Return (p.a.)

1%20%

Withdrawal Period

1 Yr40 Yrs

Annual Withdrawal Increase

0%15%

Remaining after 20 years

₹—

Corpus remaining

—Withdrawn

Total Withdrawn—

Remaining Balance—

Returns Earned—

Year	Opening	Returns	Withdrawn	Closing

STP Calculator

Transfer monthly from debt/liquid fund to equity for rupee cost averaging.

Source Fund (Initial)

₹

₹1 L₹2 Cr

Monthly Transfer

₹

₹1K₹20 L

Source Return (Debt)

1%15%

Target Return (Equity)

1%30%

STP Period

1 Yr20 Yrs

Total portfolio after 1 yr

₹—

Source + Target funds

—Gain

Source Fund—

Target Fund—

Total Gain—

Month	Source	Transferred	Target	Total

Loan EMI Calculator

Calculate your monthly EMI and total interest payable.

Loan Amount

₹

₹1 L₹10 Cr

Interest Rate (p.a.)

1%30%

Loan Tenure

1 Yr30 Yrs

Enable Early Payment

Extra Monthly Payment

₹

₹0₹5 L/mo

—

Monthly EMI

₹—

—Interest

Principal—

Total Interest—

Total Amount Paid—

Year	Total Paid	Interest	Balance

Asset / Property CAGR Calculator

What did your property really earn — and how does it compare to mutual funds?

Buying Price

₹

₹1 L₹10 Cr

Selling Price

₹

₹1 L₹20 Cr

Holding Period

1 Yr40 Yrs

MF Benchmark Return

6%20%

Your asset CAGR over 10 yrs

—

Annualised return on asset

—Gain

Cost—

Gain—

Your CAGR—

MF at 12% would give—

Difference —

Wealth Builder — SIP + Lumpsum

Combine a monthly SIP with a one-time lumpsum investment. Add step-up SIP and see your inflation-adjusted real wealth.

Monthly SIP Amount

₹

₹100₹50 L

Annual SIP Step-Up

%/yr

0%50%

One-Time Lumpsum

₹

₹0₹10 Cr

Expected Return

% p.a.

1%30%

Investment Period

1 Yr40 Yr

Inflation Rate

% p.a.

0%15%

Total Corpus after 20 yrs

—

—Gains

Total Invested—

Total Gains—

SIP Corpus—

Lumpsum Corpus—

Real Value (today’s ₹, after inflation) —

Step 2 — Your Summary

Retirement Income Planner

Build your corpus first, then model your retirement income. Choose SIP, Lumpsum, or both for accumulation — then set your SWP withdrawals.

Phase 1 — Accumulation

Monthly SIP

₹

₹0₹50 L

Annual SIP Step-Up

%/yr

0%50%

One-Time Lumpsum

₹

₹0₹10 Cr

Accumulation Return

% p.a.

1%30%

Accumulation Period

1 Yr40 Yr

Phase 2 — Retirement Income (SWP)

Withdrawal Mode

Fixed Monthly Amount Annual Withdrawal Rate

Monthly Withdrawal

₹

₹1K₹20 L

Annual Withdrawal Hike

%/yr

0%20%

Post-Retirement Return

% p.a.

1%20%

Retirement Income Period

5 Yr50 Yr

Corpus at Retirement

—

—Gains

Total Invested—

Accumulation Gains—

Monthly Income (Yr 1)—

Total Withdrawn—

Year	Monthly WD	Annual WD	Returns	Corpus

⚠ For illustrative purposes only. Mutual fund investments are subject to market risks. Returns are estimates based on assumed rates. Past performance is not indicative of future returns.

Smart Decision Tool

Make smarter financial decisions

Beyond basic calculations — compare options, project outcomes, and see the real numbers before you decide.

Should You Prepay Your Home Loan or Invest in Mutual Funds?

Enter your loan details and see which path builds more wealth — illustrated with real numbers.

Your Home Loan Details

Enter your loan details and any extra amount you want to put to work each month.

Outstanding Loan Amount

₹

₹1 L₹10 Cr

Loan Interest Rate (p.a.)

1%20%

Remaining Tenure

1 Yr30 Yrs

Extra Monthly Amount

₹

₹0₹5 L/mo

MF Expected Return (p.a.)

1%30%

One-Time Lump Sum (bonus etc.)

₹

₹0₹50 L

Annual Step-up on Extra Amount

Annual Step-up %

0%50%

Best Outcome ₹—

How to use

Enter an extra monthly amount or lump sum to compare strategies

Set a monthly extra amount or one-time bonus above to see whether prepaying your home loan or investing in mutual funds gives you a better financial outcome.

Your Current EMI—

▲ Path A — Prepay Home Loan

New Loan Tenure—

Interest Saved—

Reinvestment Period—

Final Corpus—

▲ Path B — Invest in Mutual Funds

Monthly SIP—

Lump Sum Growth—

Total Invested—

MF Gains—

Final Corpus—

Retirement Income Planner

Build your corpus first, then model your retirement income. Choose SIP, Lumpsum, or both for accumulation — then set your SWP withdrawals.

Phase 1 — Accumulation

Monthly SIP

₹

₹0₹50 L

Annual SIP Step-Up

%/yr

0%50%

One-Time Lumpsum

₹

₹0₹10 Cr

Accumulation Return

% p.a.

1%30%

Accumulation Period

1 Yr40 Yr

Phase 2 — Retirement Income (SWP)

Withdrawal Mode

Fixed Monthly Amount Annual Withdrawal Rate

Monthly Withdrawal

₹

₹1K₹20 L

Annual Withdrawal Hike

%/yr

0%20%

Post-Retirement Return

% p.a.

1%20%

Retirement Income Period

5 Yr50 Yr

Corpus at Retirement

—

—Gains

Total Invested—

Accumulation Gains—

Monthly Income (Yr 1)—

Total Withdrawn—

Year	Monthly WD	Annual WD	Returns	Corpus

⚠ Illustrative only. Assumes constant rates and does not account for taxes on MF gains or loan tax deductions.

Term Insurance: Regular Pay vs Limited Pay + SIP New

Enter the premium quotes you've received and see exactly what you gain — or give up — by choosing each option. Then see what investing the difference could do.

Policy Details

Your Age (years)

Policy Term (years)

Sum Assured (₹)

Premium Details (from your insurer quote)

Annual Regular Premium (₹)

Pay every year for full policy term

Annual Limited Premium (₹)

Pay higher amount for fewer years

Limited Pay Term (years)

Must be less than policy term

Investment Assumption (if you invest the premium difference)

Monthly SIP Amount (₹) AUTO

= (Limited − Regular) ÷ 12. Edit if needed.

Expected Return (% p.a.)

Assumed mutual fund CAGR

Investment Tenure (years) AUTO

= Policy term − Limited pay term

Which Option is Better for You?

Regular Pay may suit you if…

You have steady, predictable income and prefer lower annual premiums
Flexibility in monthly cash flow matters more to you
You want to claim Section 80C benefits throughout the policy term

Limited Pay may suit you if…

Your income is high now but may reduce closer to retirement
You want zero premium obligations in your later years
You have lumpy income (business owners, freelancers, professionals)
You have a shorter earning window (sportspersons, performers)

💡 Time Value of Money: Limited Pay may look cheaper on total outflow, but you pay a much higher amount earlier. When adjusted for inflation and opportunity cost, the "cheaper" option can actually cost more in real terms — this calculator helps you quantify exactly that trade-off.

📊 Your Comparison — Summary

Total Regular Pay Outflow

—

Total Limited Pay Outflow

—

Extra Outlay (Limited − Regular)

—

Projected SIP Corpus
—

Total Premium Outflow Comparison

SIP Corpus Growth Over Time

⚠ Disclaimer: SIP and mutual fund returns are subject to market risks. The projected corpus is an estimate based on assumed returns and is not a guarantee. Actual returns may be higher or lower. Past performance does not guarantee future results. This tool is for educational purposes only and does not constitute investment advice. Please consult a SEBI-registered advisor before making investment decisions.

Discuss with Insurance & MF Advisor

FUND INTELLIGENCE

Mutual Fund Categories — Illustrative Examples

Not a recommendation list. We select funds only after understanding your goals, risk profile and investment horizon. These are illustrative category examples — past returns are not a guarantee of future performance. Always verify with the fund house before investing. Verify at AMFI →

Large Cap Equity

Invests in top 100 companies by market cap; relatively more stable, suitable for moderate-risk long-term investors

Fund	3Y	5Y
Mirae Asset Large Cap	15.2%	16.8%
Axis Bluechip	13.4%	15.1%
HDFC Top 100	17.6%	14.9%

ELSS — Tax Saving

Tax-saving under 80C (old regime) with 3-yr lock-in; equity-linked — returns vary with market

Fund	3Y	5Y
Quant ELSS	32.1%	28.4%
Mirae ELSS	16.3%	18.7%
Parag Parikh ELSS	21.8%	22.1%

*Under old tax regime only. Returns shown are historical CAGR — not forecasts.

⚠ These are illustrative examples only. The right fund for you depends on your risk profile and existing portfolio.

Hybrid / Balanced

Equity growth + debt stability · Moderate risk

Fund	3Y	5Y
HDFC Balanced Advantage	19.7%	17.3%
ICICI Pru Equity & Debt	22.4%	18.9%
Kotak Equity Hybrid	14.8%	15.6%

Debt / Short Term

Debt-oriented funds targeting lower volatility; aim to beat traditional savings over time — not capital-guaranteed

Fund	3Y	5Y
HDFC Short Term Debt	6.8%	7.2%
Axis Short Duration	6.4%	7.0%
SBI Short Term Debt	7.1%	7.4%

Mid Cap

Mid-cap funds (ranks 101–250) carry higher volatility than large-cap; aim for long-term growth over 5–7 years

Fund	3Y	5Y
Motilal Oswal Midcap	28.4%	26.1%
Nippon India Growth	22.7%	24.8%
Kotak Emerging Equity	19.3%	22.5%

⚠ Illustrative examples only — not a shortlist or recommendation.

Small Cap

Small-cap funds carry higher volatility; suitable only for long horizons (7+ yrs) with high risk appetite

Fund	3Y	5Y
Quant Small Cap	34.2%	38.1%
Nippon Small Cap	26.8%	30.4%
SBI Small Cap	21.4%	27.9%

*Higher volatility — invest only for 7+ years. Past returns have been exceptional; future returns may differ significantly.

⚠ These are illustrative examples only. Do not treat as a personal shortlist.

Flexi Cap

Invests across all caps · Fund manager flexibility

Fund	3Y	5Y
Parag Parikh Flexi Cap	18.6%	22.3%
Quant Flexi Cap	27.1%	29.4%
HDFC Flexi Cap	20.8%	19.7%

Multi Cap

Min 25% each in Large/Mid/Small · SEBI mandated

Fund	3Y	5Y
Quant Multi Asset	26.4%	28.7%
Nippon Multi Cap	22.1%	24.3%
ICICI Pru Multi Cap	19.8%	21.6%

ETFs (via MFD)

Index-linked · Ultra-low cost · Exchange traded

ETF	1Y	3Y
Nippon Nifty 50 ETF	14.2%	13.8%
SBI Nifty Next 50 ETF	18.6%	16.4%
HDFC Gold ETF	22.1%	15.3%

*ETFs need a demat account. Ask us how to get started.

* Approximate historical CAGR for illustration only. Past performance is not indicative of future results. Data as of June 2026. Always verify at AMFI before investing.

SampathaSetu

Invest | Protect | Enjoy

Do You Have These Concerns About Your Finances?

Too Much Information

No Clear Strategy

Not Enough Time

How Can We Help?

Zero Guidance Fee

Goal-Based Planning

Plain Language, Always

Quarterly Reviews

Invest | Protect | Enjoy

Invest Smart

Protect What Matters

Enjoy Life's Milestones

Built for Your Situation

For NRI Investors

For Salaried & Tech Professionals

For Pre-Retirees (50–60)

Find the Right Service For You

SIP & Mutual Funds

ELSS & Tax Saving

Life & Term Insurance

Retirement Planning

NRI Investments

Investment Calculators

SIP Calculator

Lumpsum Calculator

SWP Calculator

STP Calculator

Loan EMI Calculator

Asset / Property CAGR Calculator

Wealth Builder — SIP + Lumpsum

Retirement Income Planner

Are You Ready For A Change?We're Here To Help

Discover

Plan

Thrive

Make smarter financial decisions

Should You Prepay Your Home Loan or Invest in Mutual Funds?

Your Home Loan Details

Retirement Income Planner

Term Insurance: Regular Pay vs Limited Pay + SIP New

Which Option is Better for You?

Total Premium Outflow Comparison

SIP Corpus Growth Over Time

Mutual Fund Categories — Illustrative Examples

Large Cap Equity

ELSS — Tax Saving

Hybrid / Balanced

Debt / Short Term

Mid Cap

Small Cap

Flexi Cap

Multi Cap

ETFs (via MFD)

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Profit Known vs Risk Known: The Framework That Reframes FD vs MF

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