Professionals & Families
Long-term wealth building for investors who want a considered plan and a single point of contact.
Start a conversation → AMFI-REGISTERED MUTUAL FUND DISTRIBUTOR · ARN-370511
Your portfolio should be governed by a document.
Not by a mood.
Before a single rupee is deployed, we work out what the money is for, how much risk is acceptable, what belongs in the portfolio—and what will not be done when markets move.
Written first.Objectives & constraints
Invested second.Funds selected after the mandate
Stayed with.Monitoring & reviews afterwards
START WITH A CONVERSATION
See whether a mandate makes sense for you.
No charge. No obligation. Just a structured first conversation.
01
Mandate-ledWritten objectives before fund selection
02
One point of contactThe relationship stays personal
03
Resident · NRI · OCIIndia and cross-border investing
THE PROBLEM
The fund's return is not necessarily your return.
Investors rarely lack access to products. They have apps, demat accounts and no shortage of recommendations.
What is often missing is a framework: what the money is for, when it will be needed, how much movement you can live with, and what happens when markets become uncomfortable.
We build that framework first. The portfolio follows from it.
THE LUMARIS APPROACH
Written first. Invested second.
Every portfolio begins with a written mandate that turns intentions into something you can review, discuss and follow.
01
Discover
Understand your objectives, risk capacity, liquidity needs, time horizons and existing position.
02
Define
Set the target allocation, permissible bands, review cadence, liquidity reserves and exclusions.
03
Deploy
Only now do instruments enter the conversation. Every shortlisted fund has a reason for being there.
04
Defend
Monitor, review and rebalance when the portfolio moves away from the rules you agreed.
“
The instruments are ordinary. The discipline is not.
We do not promise to forecast markets. We build a process designed to help you behave consistently through them.
WHAT HAPPENS NEXT
A relationship, not a transaction.
You deal with one person. Whoever understands your situation at the start is the person who picks up the phone later.
01
Onboarding
Income, commitments, existing holdings and what the money is meant to do.
02
Choosing the Funds
We explain what each shortlisted scheme does, what it costs, what it holds and why it is being considered.
03
The Walkthrough
You understand the whole portfolio and why each part is there before a rupee is invested.
04
Ongoing Monitoring
We keep track of the portfolio so you do not have to follow the market every day.
05
The Big Moments
Bonus arrives. Markets fall. A goal comes due. These are the moments that decide outcomes—and you have someone to think them through with.
WHO WE SERVE
For investors whose circumstances deserve more than a product list.
NRI & GCC Investors
Investing in India while living abroad brings additional considerations around residency, accounts, withholding and repatriation.
Explore your situation →Business Owners & HNI/UHNI
For more complex balance sheets, concentrated positions, liquidity events, succession considerations and multiple entities.
Discuss your portfolio →NRI & GCC
Your portfolio should account for the country you actually live in.
NRI investing is not simply resident investing from another time zone. Tax withholding, treaty documentation, account routing, repatriability and residency changes can affect how a portfolio should be structured.
Residency & treaty positionNRE / NRO routingRedemption sequencingRepatriationGCC-focused support
Lumaris is a mutual fund distributor, not a tax practitioner. We coordinate with your chartered accountant or tax adviser where tax or residency matters require professional advice.
THE CROSS-BORDER QUESTION
Where you live can change how your portfolio works.
We put those constraints into the mandate before capital is deployed—not into a post-investment repair exercise.
Discuss NRI Investing →WHY BOUTIQUE
Small by design.
A large distribution operation is measured by assets gathered. We are measured by whether clients stay.
Being boutique means you speak to the person who understands your policy—not to a queue. It means we can say that a product is not right for you. And it means we can take the time complex situations genuinely require.
THE FOUNDER
Institutional experience. Personal accountability.
Lumaris Capital was founded by Shobhit, who holds an MBA from XIMB and is a CFA Level 3 candidate, with NISM Series X-A and X-B certifications. He previously worked at Deloitte and Bank of America in Mumbai.
One person. One relationship. From the first conversation onwards.
HOW WE ARE PAID
You pay us nothing directly.
Lumaris Capital is compensated by commission from the asset management companies whose schemes we distribute.
We believe that should be easy to understand. We disclose our role, our compensation model and the distinction between regular and direct plans.
RegistrationAMFI Registered MFD
ARN370511
Direct advisory fee₹0
DecisionAlways yours
START WITH THE PORTFOLIO YOU HAVE
Before you change a fund,
understand the portfolio.
Apply for a Mandate Review. We will look at what you currently hold and identify the questions worth discussing.
Apply for a Mandate Review →No charge. No obligation to move anything.
QUESTIONS
Before we speak.
Lumaris Capital is an AMFI-registered mutual fund distributor. We help clients structure and implement mutual fund portfolios, explain the schemes being considered, and stay with the portfolio through ongoing monitoring and reviews.
No. Lumaris does not charge a direct advisory fee. We are compensated through commission from asset management companies on investments made through us.
Yes. A Mandate Review can begin with what you already hold. The outcome does not have to be a transfer or a new investment; the purpose is to understand whether the existing portfolio still matches your objectives and constraints.
Yes. NRI and GCC investors are a core part of the practice. We account for residency and account-routing constraints and coordinate with the client's tax professional when tax or treaty advice is required.
READY WHEN YOU ARE
Let's start with what your money is meant to do.
Leave your details above and we will get in touch for an initial conversation.