Pankaj Sethi & Company · Est. 1992 AMFI Registered Mutual Fund Distributor ARN-5479
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Pankaj Sethi & Company — Since 1992
Amritsar, Punjab

Every asset you own,
working under one roof.

Rupee Gain Power is the digital advisory practice of Pankaj Sethi & Company. Mutual funds, direct equity, tax, capital-gain bonds and fixed deposits — planned together, taxed efficiently, and reviewed on a schedule.

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34Years since 1992
5Services, one desk
3Market cycles navigated
100%Digital onboarding

Five disciplines, one desk.

Each service is run by the same team that plans your tax — so the parts never work against each other.

01

Mutual Funds

SIP-led equity, debt & hybrid funds.

 02

Stock Advisory

Quality companies, long horizon.

 03

Tax Consulting

Annual planning & deductions filing.

 04

Capital Gain Bonds

Section 54EC deployment for full exemption.

 05

Fixed Deposits

AAA-rated yield laddering.

Twelve calculators, one desk.

Model SIPs, lumpsums, retirement, loans and even a 54EC bond exemption — before you call us.

SIP

SIP Calculator

Project a monthly SIP's future value.

 GOAL

Goal Planner

Work backwards from a target amount.

 RETIRE

Retirement Planner

Size the corpus you'll need at retirement.

 54EC

Capital Gain Bonds

Estimate your Section 54EC exemption.

See all 12 calculators →

Thirty-four years. Three storms. One steady hand.

Since 1992 the financial world has been remade several times over. We have carried client capital through each turn.

Read our full track record →

Insights.

Short, practical notes on mutual funds, tax and onboarding.

Tax Planning

Understanding Section 54EC capital gain bonds

Sold a property? Here is how 54EC bonds can shelter your long-term capital gains from tax — and what the fine print requires.

02 Aug 2026
When you sell land or a building and book a long-term capital gain, Section 54EC lets you invest the gain (up to Rs 50 lakh per financial year) into notified bonds issued by REC, PFC, IRFC or NHAI within six months of the transfer. The bonds carry a five-year lock-in, pay interest annually (which is itself taxable), and cannot be sold, transferred, or used as loan collateral during the lock-in. Used correctly, they convert an otherwise taxable gain into a fixed-income holding while the exemption is claimed in that year's return. Because the six-month window is strict and allotments can close early in a financial year, the deployment needs to be planned the moment a sale is finalised — not after.
Mutual Funds

SIP vs lumpsum: which suits you?

Both routes reach the same fund — the right choice depends on your cash flow and how you feel about market timing.

18 Jul 2026
A lumpsum makes sense when you already hold the money — a bonus, a maturity payout, sale proceeds — and are comfortable deploying it in one go, accepting that the entry point will be whatever the market offers that day. A SIP instead spreads the same commitment across months, averaging the purchase price through market ups and downs, and matches how most salaried income actually arrives. Neither is strictly superior: a lumpsum deployed at the start of a long uptrend can outperform a SIP, while a SIP protects you from deploying everything right before a downturn. In practice, many clients do both — a lumpsum for money already in hand, and a SIP for money still being earned.
Onboarding

e-KYC in ten minutes: what digital onboarding actually needs

PAN, Aadhaar-linked mobile, and a bank account — that is most of what a first mutual fund investment now requires.

05 Jun 2026
Opening a mutual fund folio no longer means paperwork and a branch visit. With PAN verified against KRA records, an Aadhaar-linked mobile number for OTP-based e-sign, and a cancelled cheque or bank statement for the payment mandate, a first investment can usually be completed the same day. In-person verification (IPV) is typically done over a short video call. The one step worth doing carefully is the nomination — it is optional on the form but strongly advisable, and easy to update later if circumstances change.

Frequently asked.

What is a SIP, in plain terms?

A Systematic Investment Plan is a fixed amount invested into a mutual fund on a set date each month. It buys more units when prices are low and fewer when prices are high, averaging your entry cost over time rather than betting on a single day.

Is my money held by Rupee Gain Power, or by the fund house?

Your money is invested directly with the mutual fund, bank, or bond issuer — we advise, execute and monitor, but never hold client funds ourselves. Statements and unit holdings come to you directly from the registrar or issuer.

What documents do I need to get started?

PAN, an Aadhaar-linked mobile number for e-sign, and a cancelled cheque or bank statement for the payment mandate. Most first-time investments can be completed the same day through digital e-KYC.

Can I move my existing investments to be managed together?

Yes. Share your latest consolidated account statement (CAS) and we'll map what you already hold before suggesting any change — nothing is switched without a reason tied to your tax position or goals.

What is Section 54EC, and who should use it?

It lets you shelter a long-term capital gain from a property sale — up to ₹50 lakh per financial year — by investing in specified bonds within six months of the sale, with a five-year lock-in. It suits anyone who has just sold, or is about to sell, land or a building at a gain.

Do the calculators on this site count as investment advice?

No — they're educational illustrations using the inputs you enter and assumed rates of return. Actual returns vary, and we'd rather work through your specific numbers with you directly before you commit.

Empower your financial future

Stop managing your money in scattered pieces.

Let Pankaj Sethi & Company build a unified, high-performing engine for your wealth.

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