Wealth is built
in three steps.
We guide you through all three.
Protect
Prepare
Prosper
Inverika Capital is a mutual fund distribution practice dedicated to structured, goal-linked investing. We believe long-term wealth creation begins with protection, is sustained through discipline, and compounded through time.
₹120 Cr +
Assets Under Management
700 +
SIPs Running
₹1.15 Cr +
Monthly SIP Book
₹750 Cr +
Client Wealth Goals Being Built
15×15×15 projection · Illustrative only · Not a guaranteed return
3P
Proprietary investing system
15×15×15
The compounding formula
AAA
Portfolio architecture
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 years. 15% assumed CAGR. One crore. The mathematics of compounding — made beautifully simple.
15
×15
×15
₹15,000/month · 15 years · 15% assumed CAGR
Approximate corpus at maturity
≈ ₹1 Crore
ILLUSTRATION DISCLAIMER: 15% p.a. is a hypothetical assumed rate for illustration only — not a guaranteed or expected return. ₹1 Crore is an indicative projection, not a promised outcome. Mutual Fund investments are subject to market risk. Actual returns may be higher or lower. Past performance is not indicative of future returns. Please read all scheme-related documents carefully before investing.
Total capital invested
₹27 Lakhs
The remaining ≈ ₹73 Lakhs is compounding growth.
₹15,000 per month SIP
A disciplined monthly SIP — consistency matters more than timing the market.
15% assumed CAGR
15% p.a. is a hypothetical assumed rate used for illustration only — not a guaranteed or expected return. Long-term equity mutual fund portfolios have historically delivered in this range, but actual returns will vary based on market conditions, fund selection, and investment horizon.
15 years uninterrupted
Time is the most powerful factor in compounding. Staying invested is more important than starting big.
You invest ₹27 Lakhs. The market compounds it to ₹1 Crore. The difference is created by time and discipline.
The Evidence Behind the 15×15×15 Rule
33 rolling 15-year periods in Sensex history. Every single one delivered positive returns.
Long-term equity investing has historically rewarded disciplined investors who stay invested.
PDF · 4 pages · Free
Mutual Fund investments are subject to market risk. Past performance is 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 compare how different asset classes perform over time.
Same discipline. Different outcomes.
Asset allocation plays a key role in long-term results.
Investment Duration: 15 Years
Monthly Investment: ₹15,000 (Fixed)
Equity CAGR: 15% p.a.
— The disclaimer text directly below the widget must also update dynamically to reflect the current equity assumed rate. Use this format: Assumed equity CAGR varies by duration and is illustrative only — not a guaranteed return. Savings Account: 3.5% p.a., Fixed Deposit: 7% p.a., Gold: 8% p.a. Mutual Fund investments are subject to market risk. Past performance is not indicative of future returns. Please read all scheme-related documents carefully before investing.
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.
Mutual Funds
Goal-linked, diversified investing for long-term wealth creation.
- SIP mapped to life goals
- Lump sum & STP strategies
- Foundation + Opportunity approach
Insurance
Pure protection products designed to secure your family.
- Term life insurance
- Health insurance coverage
- Critical illness riders
Millionaire's Club
₹15,000/month · 15% · 15 years = ₹1 Crore journey.
- ₹1 Crore milestone program
- Personalised AAA portfolio
- Quarterly progress tracking
Goal-Based Planning
Structured financial planning for every life goal.
- Retirement corpus planning
- Education & home goals
- Goal-linked investments
Portfolio Health Check
Evaluate and improve your current investments.
- Fund overlap analysis
- AAA alignment check
- Written recommendations
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.
"
I wanted clarity on where to invest and how much risk to take. The guidance I received was simple, structured, and easy to follow. It helped me start my SIPs with confidence.
Amit Verma
Working Professional
"
I had multiple investments but no clear plan. After the portfolio review, I understood where I was going wrong and how to align my investments with my long-term goals.
Neha Sharma
IT Professional
"
What I appreciated most was the transparency in explaining products and risks. There was no push to buy anything, only practical advice based on my financial situation.
Rajesh Gupta
Business Owner
"
The team helped me plan for my child’s education in a very structured way. Everything was explained in simple terms, which made it easy for me to take decisions.
Pooja Mehta
Salaried Employee
"
I was not very active with my investments earlier. The regular updates and disciplined approach have helped me stay consistent and more confident about my financial planning.
Sandeep Khanna
Senior Manager
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.
Inverika Capital · WhatsApp Channel
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.