Quick answer: PCJ Wealth is the mutual fund investment app from PCJ Holdings Pvt. Ltd. — a SEBI-registered stock broker (INZ000068536), NSDL depository participant (IN-DP-279-2016) and AMFI-registered mutual fund distributor (ARN-63632). With the app you can complete KYC, start or manage SIPs, make lumpsum investments across schemes from 40+ AMCs, track your whole portfolio with gains and XIRR, and download statements — on Android, iPhone and the web portal, with a human Relationship Manager a call away.
What you can do in PCJ Wealth
Start & manage SIPs
Set up a new SIP in minutes, and modify, step-up, pause or stop existing ones. Many schemes accept SIPs from ₹500 a month (per-scheme minimums apply).
Lumpsum investments
Invest one-time amounts — a bonus, maturity proceeds or surplus cash — into schemes you choose, with additional purchases in a few taps.
Your whole portfolio, live
Current value, invested amount, unrealised gains, asset allocation and XIRR — across every scheme and family account you map.
Goals & planning
Create goals — retirement, education, a home — and track how your investments are progressing toward them.
Statements & reports
Valuation reports, transaction history and capital-gains statements for tax filing — downloadable whenever you need them.
A human behind the app
A dedicated Relationship Manager who knows your portfolio — on phone or WhatsApp when you want to talk before you transact.
How to start a SIP in the PCJ Wealth app
- 1
Download PCJ Wealth
from Google Play or the App Store, or use the web portal from any browser.
- 2
Complete your KYC once
Keep your PAN, Aadhaar-linked mobile number and bank details handy. If you are already KYC-verified for mutual funds, you won't need to repeat it.
- 3
Choose a scheme
Compare schemes from 40+ AMCs by category, objective and your goal and risk profile — and read the scheme documents. Your Relationship Manager can walk you through the options.
- 4
Set the amount and date
Pick your monthly amount (many schemes start at ₹500) and SIP date, and authorise auto-debit from your bank account.
- 5
Track and review
Watch your SIP instalments, portfolio value and XIRR in the app — and review periodically or when your goals change.
New to SIPs? Start with our guides: how to start a SIP online, what a SIP is and how mutual funds work, and the SIP calculator to see illustrative projections (calculator outputs are illustrations, not promised returns).
Try it: what a monthly SIP could build
Drag the sliders — the output updates instantly.
This is an illustration at the return rate you set above, compounded monthly for SIPs and annually for lumpsum. It is not a promise, forecast or guarantee of any return. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
Investing a lumpsum through the app
A lumpsum investment puts a one-time amount to work in a scheme of your choice — common when a bonus, FD maturity or property proceeds arrive. In PCJ Wealth you can invest a fresh lumpsum, add to an existing folio, or spread a large amount over time using a Systematic Transfer Plan (STP) from a debt scheme into an equity scheme. Which route suits you depends on your horizon and comfort with market movement — read our lumpsum guide and SIP vs lumpsum, or talk to your Relationship Manager.
Who is behind PCJ Wealth?
PCJ Holdings Pvt. Ltd., Delhi — serving investors across India since 2006. We are a SEBI-registered stock broker (INZ000068536) and member of NSE, BSE and MCX; an NSDL depository participant (IN-DP-279-2016); and an AMFI-registered mutual fund distributor (ARN-63632). Your mutual fund investments are made with the respective asset management companies and held in your own name — PCJ is the distributor servicing them. Verify our registrations on the registration & documents page.
Systematic investing has become mainstream in India: monthly SIP contributions crossed ₹32,000 crore in September 2026, with more than 10 crore SIP accounts contributing during a month (Source: AMFI monthly data). PCJ Wealth brings that same discipline to your pocket, with a regulated distributor and a named human being behind it.
Frequently Asked Questions
Yes. The app is free on Google Play and the App Store, and there is no separate app fee. Scheme-level costs (the expense ratio) apply as per each mutual fund's scheme documents.
Many schemes accept SIPs from ₹500 per month, and some from even lower amounts. The scheme's own offer document governs its minimum — check it before investing.
No. Mutual fund KYC is done once and is valid across AMCs and platforms. If your KYC status is verified, you can start investing through PCJ Wealth without repeating it.
Yes. SIPs are flexible — you can modify the amount, pause instalments or stop a SIP, and your Relationship Manager can assist with any change.
No. Mutual funds are market-linked and returns are not guaranteed by PCJ Holdings, the AMC or anyone else. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
As an AMFI-registered distributor (ARN-63632), PCJ distributes regular plans, which include distribution commission within the scheme's expense ratio and come with our Relationship Manager service. Direct plans, without distributor service, are available from AMCs directly.
With the mutual fund itself. Your investments are made into schemes of the respective AMCs and the units are held in your own name and folio. PCJ Holdings is the distributor that services your investments — it does not hold your mutual fund money.
Get PCJ Wealth
Download the app, or start on the web portal — and if you'd like a walkthrough first, request a callback and our team will set you up.
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Scan for iPhoneRelated: Mutual funds at PCJ (full app tour) · How to choose a mutual fund app · All PCJ apps · Calculators