Build Wealth in India.
Pay Zero Tax in Both Countries.

Unlike conventional equity mutual funds that primarily take long positions in the market, SIFs incorporate structured risk-mitigation mechanisms. These may include systematic downside protection through derivatives, tactical asset allocation that shifts based on market cycles, defined maximum drawdown limits mandated in the fund's investment policy, and ongoing risk monitoring by the AMC's dedicated risk team.

This makes SIFs inherently less volatile than pure aggressive equity funds, while still targeting superior long-term wealth creation. Think of it as a more intelligent, structured approach to aggressive investing — not reckless aggression, but calibrated ambition.

SIFs require a minimum investment of ₹10 lakhs per PAN per AMC. Investors must complete a comprehensive onboarding process including:

• Full KYC with PAN and passport (for NRIs)
• FATCA / CRS declarations — mandatory for all NRI investors
• Tax residency proof (TRC for UAE NRIs) and foreign account details
• Mandatory suitability and risk profiling assessment
• Nominee registration and FEMA compliance documentation
• Bank account proof (NRE or NRO account for NRI investments)

NRIs must invest through NRE or NRO bank accounts. Repatriation of proceeds follows RBI/FEMA guidelines and requires Form 15CA/15CB certification by a CA.

Not every mutual fund distributor is authorised to distribute SIF products. SEBI has mandated specific qualifications, training, and certifications for SIF distributors — over and above the standard AMFI Registration Number (ARN).

TechArtha Financial Services is an AMFI-Registered Mutual Fund and SIF Distributor (ARN-330164). The ARN is held by Sushil Arvind Raul, who is fully qualified to conduct suitability assessments, explain product risks and benefits, assist with NRI documentation, and guide you through the full investment lifecycle.

As per current SEBI regulations, Systematic Withdrawal Plans (SWP) are not permitted directly on SIF products. SIFs are designed as accumulation and growth vehicles for the medium-to-long term.

The approach TechArtha follows: accumulate in SIF during the growth phase, then transfer the full corpus to a regular mutual fund at the end of the SIF horizon. The regular mutual fund then enables a structured SWP for monthly income — giving you the best of both worlds: SIF's risk-adjusted growth and the income flexibility of regular mutual funds.

For UAE-based NRIs, the combination of SIF's risk-adjusted growth and the India–UAE DTAA's tax advantage creates one of the most compelling wealth-building frameworks available anywhere in the world today. The full journey:

1. Invest in SIF — ₹10L lumpsum + monthly SIP in an aggressive, risk-managed SIF strategy
2. Accumulate for 10 years — compound growth at institutional-grade management
3. Transfer corpus — move to a regular mutual fund (DTAA benefit applies to gains)
4. Start SWP — regular monthly income for 20–30 years
5. Pay 0% tax — potentially zero capital gains tax in both India and UAE under Article 13(5) of the DTAA