Frequently Asked Questions
Although our structure is corporate, our spirit is that of true partnership.
“Partnership is not a legal contract between two equal individuals, it’s an emotional alliance between two people who are committed to each other’s success.” — Warren Buffett
At Digi-Finmart, we couldn’t agree more. We believe in win–win partnerships—when our clients succeed, we succeed. Nothing gives us more joy than seeing the peace and confidence on our clients’ faces when money is no longer a worry.
“If you want to walk fast, walk alone. If you want to walk far, walk together.” — African Proverb
Wealth creation is a long-term journey, often filled with complexity and uncertainty. That’s why most people need a trusted companion—someone to guide, coach, and walk with them over decades.
If you feel we could be that companion for your financial journey, we’d love to start by understanding each other well. Shared values, mutual respect, and aligned expectations are at the heart of every successful relationship.
Below, you’ll find answers to the most important questions clients ask us before starting. We’ve tried to be as transparent and thorough as possible so you can fully understand how we think, work, and partner with you.
Take your time.
And if there’s still something unanswered, feel free to reach out to us anytime at wecare@digi-finmart.com
What services does Digi-Finmart Private Limited provide?
At Digi-Finmart, we co-create personalised, goal-based financial strategies to help you achieve your life’s most meaningful aspirations. Our services include Term & Health Insurance, Mutual Fund investment solutions, and SEBI-regulated Specialised Investment Funds (SIF) for diversified wealth creation opportunities. We also assist in preparing a simple and effective Will to secure your legacy. From protecting your present to growing your future wealth, Digi-Finmart walks with you at every step of your financial journey.
Who do we work with?
At Digi-Finmart Private Limited, we help a diverse range of clients—business owners, professionals, retirees, single women, and NRIs—grow and manage their wealth thoughtfully. We believe in equal attention, not equal portfolios, focusing on building trust over transactions. Our strength lies in serving the Middle Net-worth Individual (MNI)—guided by the idea that we don’t chase HNIs, we create them. We work best with those who value discipline, simplicity, and a long-term approach to wealth creation.
Who are the ideal clients for Digi-Finmart Private Limited?
We work with business owners, salaried professionals, retirees, women investors, and NRIs. We prefer clients who:
Believe in long-term investing
Trust professional financial guidance
Value discipline and consistency in investing
We provide equal service quality to all clients, irrespective of portfolio size.
Who may not be the right fit for Digi-Finmart Private Limited?
We may not be the right fit for individuals who:
Seek quick or guaranteed returns
Frequently change financial advisors
Prefer frequent trading or speculative investing
Focus only on cost instead of long-term value
Our philosophy is focused on stable, long-term wealth creation.
What we can’t (and won’t) do?
At Digi-Finmart, we believe clarity builds trust. We don’t predict markets or chase short-term gains—we focus on long-term, consistent wealth growth. Our approach values patience over action, letting time and discipline do the compounding. We avoid unnecessary portfolio churn and prefer steady progress over constant change. At Digi-Finmart, true partnership means working together with purpose, not pressure.
Do you manage clients outside Mumbai ?
At Digi-Finmart, we proudly embody the spirit of “Made in India, for Indians, by Indians.”
We serve clients across the country and in over five nations worldwide—bridging expertise with accessibility.
Powered by Zoho, we’re always just an e-meeting away, ready to connect whenever you are.
And if you ever visit Rajkot, we’d love to welcome you in person—because some conversations are best shared over a great cup of coffee.
What have you learned from managing your own family’s investments?
At Digi-Finmart, we believe we are—and will always remain—students of the market.
Over 15 years of managing our own investments, we’ve made mistakes, stayed humble, and continued learning. Every misstep taught us something valuable; true growth lies in never repeating them.
Here are a few timeless lessons that guide our approach:
• Our preferred holding period is forever.
• Wealth creation may seem boring—but that’s what makes it effective.
• Less churn often leads to better returns.
• Investment return isn’t the same as investor return—discipline matters more than timing.
• Some investments outperform, others don’t— it’s the portfolio that counts.
• Mazket corrections are natural; long-term direction is what truly matters.
• Conviction deserves meaningful allocation.
• Compounding rewards only those who stay patient for years—and we’re still early in that journey.
• Above all, we practice what we believe in.
Have your clients been able to create immense wealth—like the ‘One Idiot’ journey and the ₹100 crore goal you often talk about?
Many clients were inspired by the One Idiot story and started well, but only a few truly stay committed to a holistic, long-term approach. While mutual fund portfolios with us have generally done well, limited understanding of compounding and ad-hoc decisions in other assets—like direct stocks, property, gold, or FDs—often dilute overall results. We apply the same simple, time-tested principles that worked in our own family journey, but today’s noise—from friends, relatives, social media, and market chatter—can create distraction and doubt. Real wealth is built through clarity, conviction, and consistency. Our way of working delivers best when it is followed with patience and trust, exactly as we do for our own family.
How many branches do you have ?
Digi-Finmart’s Head Office is proudly based in Rajkot, Gujarat—the heart of our operations and the spirit of our philosophy. We’re supported by trusted representatives across key cities, ensuring personal connection and accessibility wherever you are. Through Zoho, regular calls, and virtual reviews, we stay just a click away—bringing disciplined investing and consistent engagement to clients across India and beyond. For us, distance has never been a barrier—only another reason to stay better connected.
Can you help invest in direct stocks?
Yes, at Digi-Finmart we provide the right platform and guidance to apply for IPOs that show strong long-term potential—with a minimum investment starting at just Rs15,000.
While we don’t deal in direct stock trading, our focus remains on long-term wealth creation through Mutual Funds, Specialized Investment Funds (SIF), and well-managed portfolios.
Over the years, our own family’s investments have consistently delivered 15–18% annualised returns by staying disciplined, diversified, and patient.
We believe in keeping investing simple, structured, and aligned with long-term goals—not driven by short-term market trends.
Can you review my existing portfolio (Insurance, MFs, Stocks) ?
Yes, at Digi-Finmart we help you understand your overall financial position—across Insurance, Mutual Funds, and Stocks—and then guide you on the right steps forward.
We believe true progress comes not from one-time reviews, but from clarity, consistency, and long-term commitment.
Rather than just assessing what you hold, we focus on why you hold it and whether it aligns with your life goals.
The choice is always yours—we simply invite you to join us in transforming the way you manage your money and shape your financial future.
What returns can I expect ?
At Digi-Finmart, we believe returns are a by-product of discipline—and they’re ultimately created by you, not the market.
The returns you achieve depend on who you are as an investor and how consistently you stay the course.
While we align every strategy with your unique risk–return profile, outcomes vary with behavior and patience, not predictions.
As Bill Bonner said, “People do not get what they want or expect from the markets; they get what they deserve.”
Over longer horizons, many of our investors have seen 10–15% annualised growth, but our real focus is helping you stay committed to the process that creates those outcomes.
Is my money safe when I invest through Digi-Finmart Private Limited?
Yes, your money is completely safe in terms of process and platform.
At Digi-Finmart Private Limited, we never hold or handle client money directly—and no investments are made in our name.
All mutual fund and SIF transactions are executed in your name through trusted and SEBI-regulated platforms such as NJ, Prudent, BSE, NSE, or MFU—carefully chosen based on individual client needs.
Funds always move directly from your bank account to the respective platform, ensuring complete transparency and security.
Every transaction requires your explicit authorization via email or mobile OTP, so control remains entirely in your hands.
While investments are subject to market risks, your capital safety in process remains fully protected. Supported by SEBI and AMFI regulations, mutual funds and SIF continue to be among the most secure and transparent ways to create long-term wealth in India.
Do I need a Demat account to invest through Digi-Finmart Private Limited?
No, a Demat account is not mandatory to invest through Digi-Finmart Private Limited.
You can easily invest in Mutual Funds and Specialized Investment Funds (SIF) through fully digital platforms once your KYC and bank mandate are completed.
At Digi-Finmart, we offer complete flexibility—you may choose to invest either through your Demat account or directly via trusted online platforms.
The choice is entirely yours; our role is to make your investing experience simple, secure, and seamless.
What happens to my portfolio if I’m unhappy with the service or if Digi-Finmart Private Limited shuts down?
At Digi-Finmart Private Limited, we’re proud to have a client persistency ratio of over 97.5%, and our goal is to serve you for life.
However, if you ever decide to move on, complete freedom rests with you—no questions asked.
Your Mutual Fund and Specialized Investment Fund (SIF) holdings are always in your own name; we never hold client assets.
You can easily switch to another distributor, manage your portfolio independently, or redeem your investments directly—without needing our approval.
Since we typically avoid lock-in products, your portfolio remains fully liquid and under your control.
Even in the rare event that Digi-Finmart were to cease operations, your investments stay completely safe with the respective AMCs, regulated by SEBI and AMFI—unaffected by any change at the distributor level.
What is the organisation structure and who do we get access to ?
At Digi-Finmart Private Limited, our structure is designed around one goal—putting you first.
Each client is connected with a dedicated Personal Finance Professional who serves as the single point of contact for all investment and service needs.
Our leadership team remains actively involved to ensure every client relationship receives expert attention and care.
To make communication seamless, we create a dedicated WhatsApp group for each investor, keeping you directly connected with Team Digi-Finmart at all times.
It’s personalized, transparent, and built to make your financial journey smoother every step of the way.
How are you different from banks and other large wealth management outfits as they offer all services at one place and they have a large team ?
At Digi-Finmart Private Limited, we believe in personal connection over corporate formality—we’re here to build lasting family bonds, not transactional relationships.
Unlike large banks or wealth management firms, we operate as a boutique financial practice with complete skin in the game and no sales targets or short-term incentives.
Our focus is genuine care, thoughtful guidance, and shared accountability for your long-term success.
We grow together—through trust, empathy, and the belief that real wealth extends beyond numbers.
As we often say, we’re here to do good, to do well by doing good, and to be happy while doing it together.
What is your value addition? How do you justify the commission on Regular Plans?
At Digi-Finmart Private Limited, our value lies in bringing structure, clarity, and discipline to your investment journey.
We help you define your goals, build the right asset allocation, and maintain consistency—because over time, 90% of results come from goal clarity, diversification, and behavior, not market timing or fund picking.
Our real value is helping you avoid costly mistakes that can derail long-term progress and peace of mind.
Think of professional guidance as an investment, not a cost. If it helps you earn better returns, avoid big errors, and save time and stress—then it’s worth every bit.
We practice what we preach—our own family follows the same approach—and we believe our ~1% (including GST) commission under Regular Plans is well-earned when we help you move closer to financial freedom.
If I am already working with an advisor or an MFD, can I still come to you?
At Digi-Finmart Private Limited, if you’re satisfied and confident with your current advisor or MFD, we truly believe you should continue that relationship. What works well should never be changed for the sake of change.
However, if you feel uncertain or unfulfilled, we’d be happy to connect and understand your concerns. In most cases, dissatisfaction arises from a gap between expectations and execution—and we ensure that doesn’t happen again.
We prefer working with complete clarity and commitment, not in a multi-advisor environment, as too many opinions often create confusion and conflicting strategies.
Our ideal relationship is built on simplicity, transparency, and shared conviction—values that define the Digi-Finmart experience.
How do you do your research ?
At Digi-Finmart Private Limited, our research begins with clarity, context, and conviction—not market noise.
We focus on understanding what truly drives long-term outcomes, identifying the right asset classes, themes, and strategies that align with enduring value.
Our approach often includes contrarian thinking—exploring sectors or ideas that may be overlooked today but hold strong potential for tomorrow.
We continuously learn through interactions with fund managers, peers, and ongoing research to refine our perspectives.
Rather than reacting to daily market moves, we stay anchored in discipline and forward thinking—because wealth is created by patience, not predictions.
Can you help me chose the best fund?
At Digi-Finmart Private Limited, we believe long-term wealth creation isn’t about finding the “best” fund—it’s about building the right foundation.
Fund selection plays only a small role in success; what truly matters is the right asset allocation, regular rebalancing, and staying focused on the performance of your overall portfolio.
We help you create a disciplined, goal-linked investment approach designed for consistency, not short-term fund chasing.
Because real success comes from strategy and behavior—not headlines or rankings.
I’ve already invested in Direct Plans. If I want to work with Digi-Finmart Private Limited now, what are my options?
If you’ve already invested in Direct Plans and now wish to work with Digi-Finmart Private Limited, you have two options:
1. **Continue with your existing Direct Plans**
You can keep your current Direct Plan investments as they are and begin new investments in Regular Plans through us.
Please note, we won’t be able to track or service your existing Direct Plan holdings, as they don’t appear on our platform.
2. **Switch fully to Regular Plans**
You may choose to redeem or switch your Direct Plan units to Regular Plans.
This allows us to manage your entire portfolio seamlessly in one place—ensuring more coordinated tracking, rebalancing, and decision-making.
**Important:** Redeeming or switching from Direct Plans may attract capital gains tax. We recommend consulting your tax advisor before proceeding.
At Digi-Finmart, we’re here to guide you every step of the way so that your transition is smooth and well-informed.
What if I already invest in Regular Plans but with another distributor?
If you already invest in Regular Plans through another distributor and wish to partner with Digi-Finmart Private Limited, you don’t need to redeem or sell your investments.
Once you’re ready, we can facilitate a simple “Change of Broker” process—shifting all your existing holdings under our ARN code with your consent.
This way, you retain every investment exactly as it is, while gaining access to our portfolio tracking, reviews, and holistic guidance.
After your portfolio appears on our dashboard, we can assist with consolidation, suitability checks, and any improvements required.
It’s a smooth, transparent transition—designed to make your experience with Digi-Finmart effortless and value-driven.
Can you take a fixed advisory fee while I invest in Direct Plans?
No, as per AMFI and SEBI regulations, we cannot charge a fixed advisory fee while you invest in Direct Plans, as we operate as a Mutual Fund Distributor under Regular Plans.
If you prefer Direct Plans, you can continue managing them independently without our services.
For clients seeking our ongoing guidance, portfolio tracking, and support, Regular Plans allow us to earn commission through the ARN structure—enabling us to deliver comprehensive service without separate fees.
This structure keeps everything compliant, transparent, and aligned with long-term value creation.
At Digi-Finmart, we focus on what’s legally permissible and genuinely beneficial for your financial journey.
Do you invest in Direct Plans?
No, at Digi-Finmart Private Limited, we invest client money exclusively through Regular Plans.
As an AMFI-registered Mutual Fund Distributor, we earn trail commissions from mutual fund companies for the ongoing guidance, portfolio oversight, and long-term support we provide.
This structure allows us to focus on goal alignment, fund suitability, and disciplined wealth creation—without separate client fees.
Direct Plans are ideal for self-directed investing, while our Regular Plan approach delivers comprehensive service built for consistency and results.
We practice what we preach—our own family investments follow the same philosophy.
What is the difference between a Direct Plan and a Regular Plan in a Mutual Fund?
Every mutual fund scheme offers two options: Direct Plans and Regular Plans.
Direct Plans allow you to invest straight with the Asset Management Company (AMC) without intermediaries, resulting in a lower expense ratio—but you handle all decisions independently. These suit self-directed investors comfortable with research and monitoring.
Regular Plans involve an AMFI-registered Mutual Fund Distributor like Digi-Finmart Private Limited, who provides ongoing guidance, goal alignment, fund suitability, and discipline through market cycles. The slightly higher expense ratio covers trail commissions for this comprehensive support.
At Digi-Finmart, Regular Plans empower us to partner with you for lasting results—because true wealth comes from strategy and consistency, not just lower costs.
How often do you review the portfolio or conduct client meetings?
At Digi-Finmart Private Limited, we offer tailored portfolio reviews based on your chosen category: Normal (as needed), Silver (once a year), Gold (half-yearly), and Platinum (quarterly)—ensuring the right level of attention matches your needs.
In wealth creation, more frequent reviews don’t guarantee better outcomes; we focus on meaningful checkpoints rather than constant activity.
Reach out anytime for fresh investments, redemptions, or life changes that impact your goals—we’re always prompt and accessible.
Market updates come only when action truly matters, because as Warren Buffett says, “We don’t get paid for activity, we get paid for being right.”
Our structured approach keeps things simple, disciplined, and effective for long-term success.
How does Digi-Finmart Private Limited earn?
At Digi-Finmart Private Limited, portfolio reviews are tailored to your chosen category: Normal (as needed), Silver (annual), Gold (half-yearly), and Platinum (quarterly)—delivering the perfect balance of oversight and your specific needs.
Wealth creation thrives on discipline, not constant activity; frequent reviews rarely improve outcomes, so we prioritize meaningful moments that matter.
Contact us anytime for new investments, redemptions, or life changes affecting your goals—our team responds promptly with full support.
We share market insights only when action is truly warranted, echoing Warren Buffett: “We don’t get paid for activity, we get paid for being right.”
This structured, thoughtful approach ensures simplicity, focus, and real long-term progress.
How will you manage our money?
At Digi-Finmart Private Limited, we manage client investments exactly as we manage our own—with conviction, care, and complete alignment.
We put our skin in the game by investing your money in the same simple, proven choices where we’ve placed our family’s hard-earned savings.
No fancy products or short-term chases—just disciplined, long-term strategies focused on your real goals like education, retirement, and financial freedom.
We value patience and consistency above all: buy right, stay invested, and let compounding work through market cycles. Luck plays a role, but discipline delivers results.
We practice what we preach and walk this journey alongside you—because shared success builds lasting trust.
