Wealth is built
in three steps.
We guide you through all three.
Protect
Prepare
Prosper
Inverika Capital is a wealth management practice dedicated to structured, goal-linked investing. We believe great wealth management begins with protection, is sustained through discipline, and compounded through time.
15 +
Years of Experience
2000 +
Happy Investors
25 +
Expert Advisors
99 %
Client Retention Rate
The 3P Wealth System
Three principles.
One complete financial life.
Most people invest without a plan. Our structured approach ensures no critical pillar of your financial life is overlooked before you begin your investment journey.
01
Step One — Non-NegotiableProtect
Before a single rupee is invested in markets, your family must be protected from financial catastrophe. Adequate life cover and health insurance are not optional add-ons — they are the bedrock on which all wealth creation rests.
- → Term life insurance sized to 10–15× your annual income
- → Family health insurance — minimum ₹10 lakh cover
- → Critical illness rider — income replacement on serious illness
02
Step Two — Non-NegotiablePrepare
Life is unpredictable. A job loss, a medical emergency, a business downturn — any of these can force you to redeem your long-term investments at the worst possible moment. An emergency fund prevents this from ever happening.
- → 6 months expenses for salaried professionals
- → 12 months expenses for business owners & self-employed
- → Deployed in liquid / low-duration mutual funds
- → Earns significantly more than a savings bank account
03
Step Three — Where Wealth BeginsProsper
With protection in place and liquidity secured, your equity investments can now work with full conviction — compounding without fear. The Prosper layer is structured across two distinct portfolios.
- → Foundation Portfolio - permanent, goal-linked, built on the AAA Framework. Never interrupted.
- → Opportunity Portfolio - optional, surplus-funded, thematic. Never mixed with goal money.
- → Monthly SIPs aligned to specific goals
The AAA Framework
Three buckets.
One balanced portfolio.
Every portfolio is built on a three-bucket framework balancing stability, growth, and amplification to create a disciplined and structured investment journey.
" Not all investments are equal. The right mix of stability, growth, and amplification determines whether you stay invested — or panic and exit. "
Anchor
Stability
30–40%
~10–12% p.a. · Stability · Resilience · The Base
Accelerator
Growth
40–50%
~13–16% p.a. · Growth · Consistent Compounders
Alpha
Amplification
20–30%
~16–22% p.a. · Amplification · The Edge
* Returns are indicative and based on historical trends. Investments are subject to market risks. Please read all documents carefully.
Build the
Foundation.
Your permanent wealth engine. Goal-linked investments structured for long-term compounding and financial stability. This portfolio is built to grow consistently without interruption.
- → Permanent · Goal-linked · Structured
- → Long-term compounding approach
- → Retirement · Education · Wealth goals
F
Play the
Opportunity.
Capture high-conviction opportunities in the market. This portfolio is optional and designed for thematic and growth-focused strategies, completely separate from your core foundation.
- → Optional · Surplus-based · Flexible
- → Not mixed with core investments
- → Thematic · Sectoral opportunities
O
The 15×15×15 Rule
The most powerful number
in personal finance.
₹15,000 a month. 15% returns. 15 years. One crore. The mathematics of compounding — made beautifully simple.
15
×15
×15
₹15,000/month · 15% returns · 15 years
Approximate corpus at maturity
≈ ₹1 Crore
* Illustrative only. Mutual Fund investments are subject to market risk. Returns are not guaranteed. Past performance is not indicative of future returns.
Total capital invested
₹27 Lakhs
The remaining ≈ ₹73 Lakhs is pure compounding.
₹15,000 per month SIP
A disciplined monthly SIP — equivalent to skipping two dining-out events per month. Consistency, not amount, is the key.
15% annualised returns
Long-term equity mutual fund portfolios have historically delivered returns in the 14–18% range over 10+ year horizons. 15% is the disciplined median assumption.
15 years uninterrupted
Time is the most irreplaceable ingredient. Stopping a SIP for one year costs far more than one year of returns — it breaks the compounding chain.
You invest ₹27 Lakhs. The market compounds it to ₹1 Crore. That ₹73 Lakh difference was created by time — not market timing.
The Evidence Behind the 15×15×15 Rule
33 rolling 15-year periods in Sensex history. Every single one delivered positive returns.
We analysed every 15-year rolling window in Sensex data since inception. The result is unambiguous — long-term equity investing, when stayed with, has never failed the disciplined investor.
PDF · 4 pages · Free
MF investments subject to market risk. Past performance not indicative of future returns.
The Case for Equity Mutual Funds
₹15,000 a month. Same discipline. Very different outcomes.
Adjust the years below and see how each asset class performs over time.
Same discipline. Different outcomes.
Asset allocation plays a key role in long-term results.
Investment Duration: 5 Years
Our Services
Everything your
financial life needs.
We bring together the full spectrum of investment and protection solutions — structured and aligned with your financial journey.
M
Mutual Funds
Goal-linked, diversified investing for long-term wealth creation.
- SIP mapped to life goals
- Lump sum & STP strategies
- Foundation + Opportunity approach
I
Insurance
Pure protection products designed to secure your family.
- Term life insurance
- Health insurance coverage
- Critical illness riders
M
Millionaire's Club
₹15,000/month · 15% · 15 years = ₹1 Crore journey.
- ₹1 Crore milestone program
- Personalised AAA portfolio
- Quarterly progress tracking
G
Goal-Based Planning
Structured financial planning for every life goal.
- Retirement corpus planning
- Education & home goals
- Goal-linked investments
P
Portfolio Health Check
Evaluate and improve your current investments.
- Fund overlap analysis
- AAA alignment check
- Written recommendations
L
Loan Against Mutual Funds
Access liquidity without disturbing investments.
- No redemption required
- Up to 50–70% loan value
- Lower rates than personal loans
Investor Tools
Know where you
stand, right now.
Free tools to help you make smarter financial decisions — from risk profiling to goal planning.
SIP & Goal Calculator
Calculate exactly how much you need to invest monthly to reach your target corpus.
Portfolio Planner
Personalised AAA allocation based on your goals, age, and risk profile.
Risk Profile Assessment
Understand your risk tolerance and get your ideal allocation strategy.
KYC Status Check
Verify your KYC status instantly before starting your investment journey.
The Philosophy
“Your job is to earn well and live fully. Our job is to make sure every rupee you earn works as hard as you do. That is the partnership.”
Srivatsa Hebbar · Founder, Inverika Capital
Client Stories
₹100 Crore+ in assets.
Built one goal at a time.
Real investors. Real goals. Real outcomes.
"
The team maintains a structured and transparent approach while sharing financial information. Their focus on process clarity and regulatory alignment has helped me better understand various financial products and considerations.
Amit Verma
Working Professional
"
The team maintains a structured and transparent approach while sharing financial information. Their focus on process clarity and regulatory alignment has helped me better understand various financial products and considerations.
Neha Kapoor
Business Owner
"
The team maintains a structured and transparent approach while sharing financial information. Their focus on process clarity and regulatory alignment has helped me better understand various financial products and considerations.
Rakesh Mehta
Business Owner
"
The team maintains a structured and transparent approach while sharing financial information. Their focus on process clarity and regulatory alignment has helped me better understand various financial products and considerations.
Neha Shah
Working Professional
"
The team maintains a structured and transparent approach while sharing financial information. Their focus on process clarity and regulatory alignment has helped me better understand various financial products and considerations.
Amit Kulkarni
Self-Employed Consultant
Trusted by investors across regions. ₹100 Crore+ in assets under management.
Testimonials reflect individual experiences. Results may vary based on market conditions and financial goals.
WhatsApp Channel
Investing is 80% behaviour,
20% math.
Follow the Inverika Capital WhatsApp channel for short, sharp notes on the behavioural side of investing — no numbers, no noise. Just the thinking that keeps you invested when it matters most.
Ready to build your Foundation?
Schedule a complimentary consultation. We’ll map your goals, assess your risk profile, and present a personalised financial plan — at no cost.
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