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A Systematic Investment Plan invests a fixed amount at regular intervals, using rupee-cost averaging and compounding to build wealth over time.

Yes — PCJ Holdings is an AMFI-registered Mutual Fund Distributor (ARN-63632). We distribute regular plans across AMCs and may earn trail commission from the AMC, built into the scheme’s expense ratio; direct plans are available without a distributor. Mutual fund investments are subject to market risks — read all scheme documents carefully.

Open-ended funds can be redeemed based on the applicable NAV; some funds may have exit loads or lock-ins.

The annual fee a fund charges as a percentage of assets; all else equal, lower is generally better.

An Equity-Linked Savings Scheme that offers tax benefits under the Income-tax Act, with a three-year lock-in.

No. Mutual fund investments are subject to market risks; read all scheme related documents carefully.

A SIP, or Systematic Investment Plan, invests a fixed amount into a mutual fund every month automatically. Because you invest the same amount at different prices, you naturally buy more units when markets are cheap and fewer when they are expensive — this is called rupee-cost averaging. Over the years, SIPs turn small monthly savings into meaningful wealth through compounding.

Yes. SIPs are completely flexible — you can pause, stop, increase or decrease them without penalty. An SIP is not a lock-in (except tax-saving ELSS funds, which have a three-year lock-in per instalment). That said, SIPs work best when you let them run through market ups and downs.

Mutual funds are regulated by SEBI and your units are held in your name with the fund's registrar. 'Safe' depends on the type of fund: liquid and debt funds are steadier, while equity funds move with the market and are meant for long horizons. Mutual fund investments are subject to market risks — always read the scheme documents, and match the fund to your goal and time frame.

NAV is the per-unit price of a mutual fund, declared daily. A ₹10 NAV fund is not cheaper or better than a ₹100 NAV fund — your returns depend only on how much the fund's portfolio grows after you invest, not on the NAV number itself. Choose funds by strategy, quality and track record, not NAV.

PCJ Holdings is an AMFI-registered mutual fund distributor (ARN-63632). We help you choose schemes, set up SIPs and track everything in the PCJ Wealth app, with a Relationship Manager to guide you. The funds themselves are managed by SEBI-regulated asset management companies, and your units are always in your name.

A fund's advertised return assumes one lump-sum investment, but your SIP invests every month, so each instalment has a different journey. XIRR is the correct measure for SIPs — it accounts for the timing of every payment. The PCJ Wealth app shows your XIRR so you always see your true personal return.

Opening an account with PCJ is 100% online and paperless. Keep your PAN card, Aadhaar (linked to your mobile number) and a cancelled cheque or bank statement ready. Fill the eKYC form at ekyc.pcjholdings.in, upload the documents, complete a quick selfie verification and e-sign with your Aadhaar OTP. The whole process takes about 10 minutes, and your account is usually activated within 24 to 48 working hours. A dedicated Relationship Manager is assigned to help you from day one.

You need just three things: your PAN card, your Aadhaar card linked to your mobile number (for OTP-based e-sign), and a bank proof such as a cancelled cheque or a recent bank statement. If you want to trade in futures and options, commodities or currency, you may also need an income proof such as a salary slip, bank statement of the last six months, or your latest ITR acknowledgement — this is a SEBI requirement for derivative segments.

The online form itself takes about 10 minutes. After you e-sign, our team verifies your documents and your account is typically activated within 24 to 48 working hours. You will receive your client code and login details by email and SMS as soon as the account is live.

Please see our Pricing page for the current account opening and annual maintenance charges — we keep the schedule transparent and updated there. Your Relationship Manager will also explain every charge before you begin, so there are no surprises later.

Yes, Non-Resident Indians can invest in Indian markets through the proper NRI route, which needs an NRE or NRO bank account and a few extra documents such as your passport and overseas address proof. The process has more steps than a resident account, so the easiest way is to request a call back — our team will guide you end to end.

Yes. You can open a new account with PCJ and transfer your existing holdings from your old broker. Shares move from demat to demat without selling, so there is no tax event on the transfer itself. Our team helps you with the closure-cum-transfer form of your old depository participant so the shift is smooth.

Open your account online in about 10 minutes at ekyc.pcjholdings.in, and your Relationship Manager helps you shortlist schemes for your goal. Your SIP then auto-debits every month, and you track everything in the PCJ Wealth app. You can also visit our Connaught Place office in New Delhi.

Most schemes accept SIPs from Rs 500 per month, and several now start at Rs 100. There is no upper limit, and you can add a yearly step-up so your SIP grows with your income.

There is no single best fund for everyone - the right scheme depends on your goal, time horizon and comfort with risk. Broadly: index funds for low-cost simplicity, ELSS for Section 80C tax saving, hybrid funds for balance, and equity funds for long-horizon growth. Our team shortlists schemes for your situation at no extra cost.

Yes. PCJ Holdings is headquartered in Connaught Place, New Delhi - 110001. Walk in during business hours, or request a callback and we will serve you digitally anywhere in India.

As a distributor we offer regular plans, which include our service and a Relationship Manager. Direct plans have a lower expense ratio but you research, execute and service everything yourself. Our Direct vs Regular guide explains the trade-off honestly so you can choose.