Komma provides an intuitive and streamlined customer experience that simplifies and automates personal finance management for individuals. We have a comprehensive process for you to set your financial goals and analyze your overall financial health. We help you cut down the time and efforts and automate the often complex and time-consuming processes of one's financial journey.

Komma expertise and curates your portfolio in mutual funds, and we have a good grip on the mutual fund industry. We have a team of MF researchers to find the most competent funds in the markets, and we also have valuable insights about the money markets.

From free mutual fund portfolio analysis to tailored one-time portfolios and lifelong comprehensive financial advisory support, we empower individuals to seed their investments, bloom towards their goals, and flourish in their financial journey.

The portfolios are tracked with respect to a client's risk profile, their goal timeline, and market movements, and these changes are communicated to the client accordingly. Komma tries to avoid any unnecessary changes to a client's portfolio as we recognize that every change has a cost associated with it.

In order to start investing with Komma, we'll need IIN, Fatca, your PAN card, Aadhar card, etc.

ACH mandate is a bank mandate required for monthly payments for investments through SIPs. Approving the mandates allows us to debit your bank account on your behalf towards SIP installments. Thus, you will not need to make payments manually every month towards your investments and help us make the process more streamlined.

It generally takes two working days to redeem funds, and you can do so through the mutual fund house's platform, by logging in through your Folio number and raise a redeem request. Doing this is way easier with Komma; you just ping us up, let us know your requirement for funds, and we'll plan a systematic withdrawal process for you, thus making it very easy.

We plan out your withdrawal while taking in factors like:
1. Market conditions: volatility of the market is also considered while withdrawing.
2. Exit loads: It highly varies on the time duration and the mutual fund could range from 0-2%
3. Tax-implications: Equity investments have 10% on long-term gains (i.e., >1 year) while also allowing you to take out 1 Lakh per year without paying any taxes and 15% on short-term gains (i.e., <1 year), and these apply irrespective of your income level.

Komma by default does half-yearly reviews; other than that, we rebalance your portfolios based on the changes due to market conditions or any goal re-alignment on your side.

Yes, you need to do that every time you shift trading platforms or portal; only the KYC part can be exempted if it was previously done.

You can do so by following these steps: 1. Sign up and create an account on each mutual fund house's website using Folio, PAN card number, and email. 2. There you can request for redemption/withdrawal of funds you're invested in.

Yes, you can do it under our bloom plan, which is a one-time advisory plan for customers looking out to do investment by themselves.

Mutual funds are essentially a diversified portfolio managed by fund managers who are leading professionals in the money market. This makes mutual funds a very secure bet and a way to get optimal returns on your money passively.

In a Direct Plan, an investor has to invest directly with the AMC, with no distributor to facilitate the transaction. In a Regular Plan, the investor invests through an intermediary such as a distributor, broker, or banker who is paid a distribution fee by the AMC, which is charged to the plan.

Equity-oriented funds: Gains on investments withdrawn within 12 months are treated as short-term capital gains and taxed at 15 per cent. Gains on investments withdrawn after 12 months are treated as long-term capital gains and taxed at 10 per cent.

An emergency fund is a lifeline to help one sustain during a crisis or sudden financial need. The size of this fund depends on many factors, including monthly expenses, EMI, sources of income, etc. But generally, a corpus size equivalent to 6 months of expenses should be maintained.

Insurance is supposed to act like your safety net in cases of emergency. Choosing bad insurance can add significant stress to individuals and their finances as well. Issues like inadequate coverage, high deductibles, denied claims, and poor customer services can possibly negate all the advantages of insurance. Not getting suitable insurance is like paying a premium for it but not reaping its benefits.

A right tax regime is based on your income levels, your living conditions, the deductions you are eligible to claim, the number of people dependent on you. Use Komma's calculator to calculate which would be a better tax regime to follow.