Mutual funds
Equity, debt, hybrid and index funds from SEBI-regulated fund houses — chosen to suit your goal, time frame and comfort with risk.
Zreyas Financial Services — mutual funds, SIP and insurance with R. Vijayendiran, Chennai
What we do
Investing made simple, personal and looked after.
Zreyas Financial Services is the practice of R. Vijayendiran, an AMFI-registered Mutual Fund Distributor in Chennai.
We help families choose and invest in mutual funds and related products — from a first ₹500 SIP to a monthly retirement income. We explain each option in plain language, set everything up for you on the NSE Mutual Fund platform, and keep reviewing your investments with you as life changes.
One-time free registrationYour investor account is opened on the NSE MF platform at no cost to you.
Paperwork handled for youKYC, forms, mandates and nominations — done with you, step by step.
Regular reviewsWe sit down together to check that your investments still fit your goals.
Our services
Everything you need, under one roof
From your first SIP to protection, pension and higher-ticket options — one person you know, helping you with each step.
SIP
Invest a fixed amount every month by auto-debit — from ₹500 in many schemes. It builds the habit and spreads your buying across market ups and downs.
STP
Systematic Transfer Plan: park a lump sum in a lower-risk fund and move a fixed amount into an equity fund at regular intervals.
SWP
Systematic Withdrawal Plan: receive a fixed amount from your fund every month or quarter — a steady income, while the rest stays invested.
Specialised Investment Funds (SIF)
SEBI's new category between mutual funds and PMS, allowing wider strategies — with a higher minimum investment of ₹10 lakh.
Life & health insurance
Term life cover to secure your family's future and health cover for medical bills — we help you compare and apply.
NPS
National Pension System — a low-cost, PFRDA-regulated retirement account, with tax benefits as per prevailing rules.
PMS
Portfolio Management Services — a professionally managed portfolio held in your name. For higher-ticket investors: ₹50 lakh minimum and higher risk.
AIF
Alternative Investment Funds — privately pooled funds for sophisticated investors, usually with a ₹1 crore minimum, longer lock-ins and higher risk.
Corporate FDs & NCDs
Fixed deposits from NBFCs such as Shriram Finance, Mahindra Finance and Bajaj Finance, and non-convertible debentures (NCDs), for a fixed rate of interest over a set term — monthly, quarterly or cumulative. They are not bank deposits and are not insured by DICGC, so we look at the credit rating and the terms with you before you invest.
- Fixed interest
- Choice of tenure
- Credit-rated issuers
And more
Helpful extras around your investments.
- Tax-saving ELSS
- Goal-based investing
- Portfolio review
Insurance is the subject matter of solicitation. PMS, AIF and SIF carry higher minimums and risks and suit only some investors — read all offer documents carefully. Corporate FDs and NCDs carry credit risk; read the issuer's offer document and check the credit rating before investing. Issuer names are shown to identify the deposits we distribute, not as a recommendation.
Calculators
Put numbers to your goals
Move the sliders or type your own figures. Every result updates instantly, so you can see what a steady habit, a small step-up or an early start could do.
SIP calculator
A fixed amount every month, invested on the same date. See how the amount you put in compares with what it could grow to.
Step-up SIP calculator
Raise your SIP a little every year as your income grows, and compare it with keeping the amount flat.
Lump sum calculator
For a bonus, a maturity amount or savings you want to put to work in one go.
Goal planner
A house down payment, a wedding, a dream trip — start from what it costs today and let inflation show what it may cost later.
Child education calculator
College fees tend to rise faster than everyday prices. Plan the monthly amount that could keep pace, counting what you have already set aside.
Retirement calculator
Estimate the corpus that could pay your monthly expenses after you stop working, and the SIP that could build it.
Crorepati calculator
Pick a target and a monthly SIP to see roughly how long it could take to get there.
STP calculator
Park a lump sum in a liquid or debt fund and move a fixed amount every month into an equity fund, instead of investing it all at once.
SWP calculator
Draw a regular monthly amount from your investments and see how the balance may hold up — and whether it could run out.
Cost of delay calculator
"I will start next year" has a price. See how much less the same SIP could build if you wait.
Invest for your goal
Start with the goal, then pick the way
Every goal has its own time frame and comfort with risk. Tell us what you are saving for and we will explain the options that fit.
Wealth creation
Long-term SIPs in equity-oriented funds, where time and patience matter more than timing.
Start a SIP →Retirement
Build a corpus through the working years, and plan a monthly income later with a Systematic Withdrawal Plan.
Try the retirement calculator →Tax saving
ELSS funds have a 3-year lock-in and can qualify for a deduction under Section 80C, subject to limits and the tax regime you choose.
Read how ELSS works →Child's education
Give each goal its own SIP and start early, so each monthly amount can stay small.
Try the child education calculator →Regular income
Withdraw a fixed amount at set intervals from your investment while the rest stays invested.
Try the SWP calculator →Parking spare cash
Liquid and short-term debt funds are used for money you may need within months. Returns are not assured and the principal can fall in value.
Learn about fund types →Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Tax rules change; confirm with your tax professional.
Explore funds
Know the fund types before you choose
Mutual funds come in a few broad families. Each suits a different time frame and comfort with risk — we help you pick from the right family for each goal.
Equity funds
Invest mainly in shares of listed companies. Suited to goals that are five years or more away, when you can sit through ups and downs.
- Large cap
- Flexi cap
- Mid & small cap
- ELSS (tax saving)
- Sectoral & thematic
- Typical time frame
- 5 years +
- Riskometer usually
- High to very high
Debt funds
Lend to governments, banks and companies through bonds and money-market papers. Used for short and medium goals and to park spare cash.
- Overnight
- Liquid
- Short duration
- Corporate bond
- Gilt
- Typical time frame
- A few days to 3 years
- Riskometer usually
- Low to moderate
Hybrid funds
Hold a mix of equity, debt and sometimes gold, so one fund carries some balance within it.
- Balanced advantage
- Aggressive hybrid
- Multi-asset
- Equity savings
- Arbitrage
- Typical time frame
- 3 years +
- Riskometer usually
- Moderate to high
Index funds & ETFs
Follow a market index such as the Nifty 50 instead of picking stocks, usually at a lower cost.
- Index funds
- Exchange traded funds
- Gold & silver ETFs / FoFs
- Typical time frame
- 5 years +
- Riskometer usually
- Same as the index they follow
Solution-oriented funds
Built around one goal, with a lock-in of five years or until retirement age, whichever comes first.
- Retirement funds
- Children's funds
- Typical time frame
- 5 years +
- Riskometer usually
- Depends on the fund's mix
Every scheme carries its own riskometer, shown in its scheme documents. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
Why mutual funds
Ten reasons families choose mutual funds
Simple to start, run by professionals, and flexible enough for every stage of life — from a first job to retirement.
Your ₹1 lakhGrowth on growth
Illustration — assumed 12% p.a. return, not a promise.
Easy diversificationOne fund spreads your money across many companies or bonds.
Professional managementExperienced fund managers research and run the portfolio.
Small is enoughStart with ₹500 a month in many schemes.
Easy entry & exitInvest or redeem on any business day, mostly online.
Easy liquidityMoney from most open-ended funds reaches your bank in a few days.
Short, medium & long termFunds for a few months to many years.
Invest for life goalsEducation, marriage, retirement, travel, a start-up or wealth.
Tax-saving optionsELSS funds offer deductions as per prevailing tax rules.
Potential to beat inflationOver the long term, equity funds have the potential to outpace rising prices.
Regulated by SEBIStrict rules on disclosure, pricing and investor protection.
How to start
Your first SIP in four easy steps
No branch visits and no confusing forms — we walk you through each step.
- Step 1Talk to usShare your goals, time frame and how much you would like to invest each month.
- Step 2One-time free registration & KYCYour investor account is created on the NSE MF platform, with KYC done using your PAN and Aadhaar.
- Step 3Choose funds for your goalUnderstand the options, their risks and costs, and pick what fits you.
- Step 4Start SIP with auto-debitSet up a bank mandate once — your SIP then runs on its own every month.
Ask us to call you back
Leave your details and he will get in touch.
ARN-152740EUIN E270842
Zreyas · Together we prosper
About us
Hello from Zreyas. Let's grow together.
Zreyas Financial Services began with a simple belief — investing should feel as comfortable as talking to someone you trust.
Many families save sincerely but are unsure where to put that money, or worry about forms and jargon. We sit with you, understand what you are saving for, explain the choices honestly — including the risks and costs — and then take care of the paperwork. The name Zreyas carries our promise: Together we prosper. Your progress is how we measure ours.
- Your investments are always held in your own name — your money goes straight from your bank to the fund house.
- Plain-language explanations, with no pressure to decide on the spot.
- Help whenever you need it — new SIPs, changes, redemptions, nominations and reviews.
Invest through the NSE MF platform
One account. Many fund houses. All online.
Your investments are set up on the NSE Mutual Fund platform (NMF II), so everything you need happens in one convenient place.
Free one-time registrationOpen your investor account once, at no cost.
Buy, redeem & switch onlineTransact from your phone or computer — no paper forms.
SIP, STP & SWPStart, change or stop systematic plans easily.
One consolidated viewSee your funds across fund houses together.
NRI supportNon-resident Indians can invest, subject to KYC and applicable rules.
Secure by designOTP-verified transactions and payments direct to the fund house.
Ways to invest
Invest the way that suits you
Online, on WhatsApp, on a call or in person. Every transaction is approved by you and goes directly from your bank account to the fund house.
Online, any time
Once your free registration on the NSE Mutual Fund platform is done, you can invest, redeem and track from your phone or computer.
Start registrationOn WhatsApp
Send your request on WhatsApp. We prepare it and you approve it yourself with the OTP or link sent to you.
Chat nowOn a call
Prefer to talk it through? Call during office hours and get your questions answered in plain language.
Call +91 87784 87989Meet in person
Visit the office in Ayappakkam, Chennai or ask for a meeting at a time that suits your family.
Contact detailsAuto-pay your SIP
Set up UPI AutoPay or a bank e-mandate once, so each SIP instalment goes out on its date without paperwork.
How SIP worksInvestor services
Help after you invest, too
Changes and paperwork are part of every investor's life. Tell us what you need and we handle it with you, step by step — at no extra charge.
Complete or update KYCCheck your KYC status and fix name, address or PAN details that block a transaction.Ask on WhatsApp Update mobile & emailMake sure statements and OTPs reach the right phone and inbox.Ask on WhatsApp Change bank or mandateAdd a new bank account or replace the auto-debit mandate for your SIPs.Ask on WhatsApp Add or change nomineeRecord nominees for every folio so your family is protected.Ask on WhatsApp Account statementGet a consolidated statement (CAS) of all your mutual fund holdings.Ask on WhatsApp Top up, pause or stop SIPRaise your SIP with your income, or pause it for a few months if you need to.Ask on WhatsApp Redeem or switchWithdraw money or move it to another scheme, with the tax and exit-load impact explained first.Ask on WhatsApp Help for familiesStep-by-step support to move units to the nominee or legal heir after a death in the family.Ask on WhatsApp
Invest from your phone
Scan, tap and get started
Scan a code with your phone camera to message us on WhatsApp, fill the client form, or download the AssetPlus investor app — once your account is ready, you can track and transact from your phone.
WhatsApp usScan to start a chat
Client formShare your details
Investor appAssetPlus · scan to download
Myths and facts
Six things people often get wrong
Short, plain answers to the doubts we hear most before someone starts their first SIP.
“Mutual funds are only for rich people.”
Fact: many schemes accept a SIP from ₹500 a month, so you can begin with what is comfortable and raise it as your income grows.
“Mutual funds are the same as gambling.”
Fact: funds are professionally managed, diversified portfolios regulated by SEBI. Their value still moves with markets, so there is risk. Diversification and a longer time frame help manage it; they do not remove it.
“I must time the market to invest.”
Fact: a SIP spreads your purchases across market highs and lows, so you do not need to guess the right day. It cannot guarantee a profit or protect against a loss.
“A low NAV means a cheap fund.”
Fact: NAV is only the price of one unit. A fund at ₹15 is not better value than one at ₹150; what matters is the fund’s portfolio, cost and risk, and whether it fits your goal.
“My money gets locked in.”
Fact: most open-ended funds can be redeemed on any working day, though an exit load or tax may apply. ELSS funds have a 3-year lock-in, and some other schemes have their own terms.
“I should stop my SIP when markets fall.”
Fact: stopping can break a useful habit. Review your goal and time frame rather than react to headlines, and talk it through with us before changing anything.
Illustrations are for understanding only. Past performance may or may not be sustained in future. Mutual fund investments are subject to market risks.
FAQs
Questions people often ask
How do I start?
Message or call us. We will understand your goal, complete a one-time free registration and KYC for you on the NSE MF platform, help you choose funds, and set up your SIP with auto-debit from your bank. Most of it can be done from your phone.
What is the minimum SIP amount?
Many schemes accept SIPs from ₹500 a month; some start at ₹100 or ₹1,000. The exact minimum depends on the scheme, and you can increase the amount any time.
Is my money safe? Do you hold my money?
No, we never hold your money. Your investment goes directly from your bank account to the fund house, and the units are held in your own name. Mutual funds are regulated by SEBI. Their value does go up and down with markets — that market risk is separate from the safety of the process.
How are you paid?
As a Mutual Fund Distributor, we earn a commission from the product providers (fund houses and insurers) for distribution services. There is no separate fee charged to you for these services.
Can I stop or pause a SIP?
Yes. You can pause a SIP for a few months, stop it, or change the amount, without any penalty from the fund house. Just tell us, or do it online; it usually takes effect from the next instalment date.
What documents do I need?
Usually your PAN card, Aadhaar (for KYC), a cancelled cheque or bank statement, a photograph and your mobile number and email. Nominee details are also recommended. We will tell you exactly what is needed for your case.
Do you help NRIs?
Yes. Non-resident Indians can invest in many mutual funds through an NRE or NRO account, subject to KYC and the rules of each fund house. Some fund houses do not accept investments from residents of the US or Canada — we will guide you on what is available to you.
Contact
Come and talk to us
Call, WhatsApp or visit — whichever is easiest for you.
Call+91 87784 87989
WhatsAppChat with us
Emailzreyas@zohomail.in
Office1864, TNHB, Ayappakkam,
Chennai – 600077
DirectionsOpen in Google Maps
Chennai – 600077
Office hoursMon–Sat, 10 am – 7 pm
Fund houses
Invest across India's leading fund houses
Schemes from these and other SEBI-registered asset management companies are available through Zreyas Financial Services on the NSE Mutual Fund platform.
- SBIMutual Fund
- ICICI PrudentialMutual Fund
- HDFCMutual Fund
- Nippon IndiaMutual Fund
- Kotak MahindraMutual Fund
- AxisMutual Fund
- Aditya Birla Sun LifeMutual Fund
- UTIMutual Fund
- Mirae AssetMutual Fund
- DSPMutual Fund
- TataMutual Fund
- Franklin TempletonMutual Fund
- Canara RobecoMutual Fund
- EdelweissMutual Fund
- Motilal OswalMutual Fund
- PPFASMutual Fund
- BandhanMutual Fund
- InvescoMutual Fund
- HSBCMutual Fund
- QuantMutual Fund
- SundaramMutual Fund
- Baroda BNP ParibasMutual Fund
- LICMutual Fund
- Mahindra ManulifeMutual Fund
- UnionMutual Fund
- WhiteOak CapitalMutual Fund
- Bajaj FinservMutual Fund
- 360 ONEMutual Fund
Names are trademarks of their respective owners and are shown for information only; they do not imply endorsement. Availability of a scheme depends on the distributor's empanelment with the fund house.