Passive (Deshi) Portfolio Advisory · India
The calmer way to grow wealth —
indexed, disciplined, India-focused.
A systematically managed passive portfolio of India-listed index ETFs, held directly in your own demat account — Deshi Portfolio™. No stock-picking, no active-fund costs, just disciplined, rules-based investing in India's growth story. Looking to diversify outside India instead? See Global (Videshi) Portfolio Advisory.
4
Portfolio types — Core to Factor
₹10L+
Minimum suggested corpus
0.03%
Index ETF expense ratios, from
Zero
Commission, always fee-only
What is Passive (Deshi) Portfolio Advisory?
A premium passive advisory — India, indexed, held in your own demat account.
We build portfolios using carefully selected India-listed index ETFs only — broad-market, factor, and multi-cap indices — enabling you to own India's growth story systematically, without the complexity or high costs of active management. Every ETF is held directly in your own demat account, in your own name.
Prefer not to pick individual stocks
Rules-based indices eliminate manager bias and guesswork.
Want disciplined, India-focused exposure
Stay entirely within Indian markets, held directly in your own demat account.
Seek low-cost, long-term wealth building
Index ETF expense ratios from as low as 0.03% — a fraction of active fund costs.
Deshi Portfolio™
One disciplined vehicle. India-listed index ETFs, your own demat account.
India-listed index ETFs held directly in your own demat account — a range of portfolio types calibrated to your risk profile and horizon. Fee-only, rebalanced on a disciplined schedule, no commission ever.
Nifty Index ETFsYour own demat accountAnnual rebalancingZero commission
Deshi Portfolio™ — Index ETFs
A systematically managed, India-only index ETF portfolio held directly in your own demat account. Multiple portfolio types are available, calibrated to your risk profile, horizon, and corpus — exact composition and minimums are shared on your discovery call.
A
Core
Straightforward, large-cap-anchored index exposure.
B
Balanced
Diversified across market-cap segments.
C
Broad-Based
Wider market-cap participation.
D
Specialist
Factor-based index allocation.
01
Curated ETF Portfolio
Indian index ETFs matched to your goals, risk profile, and horizon.
02
Full India Index Universe
Nifty 50, Next 50, Midcap 150, and factor/smart-beta indices — all India-listed.
03
Quarterly Reviews
Written quarterly update. Annual rebalancing when allocation drifts beyond target.
04
Tax Guidance
LTCG and STCG planning on your ETF holdings — coordinated with your CA.
| Deshi Portfolio™ | Active Mutual Funds | DIY Index Buying | |
|---|---|---|---|
| Annual advisory cost | Flat fee, shared on request | 1–2.25% of corpus | ₹0, but your time isn't free |
| Index purity | 100% index, no stock-picking | Manager discretion within category | Only if you screen it yourself |
| Conflict of interest | Zero — fee-only | Trail commission always | None, but no guidance |
| Rebalancing | Systematic, annual, written | Fund manager discretion | If you remember to |
Foundation
Corpus ₹10L – ₹25L
- Core portfolio (Type A)
- Indian index ETFs · INR route
- Annual rebalancing
- Free SIP Advisory
Most Popular
Classic
Corpus ₹25L – ₹1Cr
- All 4 portfolio types (A–D)
- India-only index ETFs
- Free SIP Advisory
- Quarterly written review
Elite
Corpus ₹1Cr+
- All types + custom blends
- Semi-annual rebalancing
- Free SIP Advisory
- Priority access
Flat annual fee only — no commission, no AUM-based charges, no performance fees. Requires a demat account.
Seamless onboarding
Six steps from enquiry to invested portfolio.
1
Discovery Call
Understand your goals, corpus, risk appetite, and horizon.
2
Payment of Fees
Annual advisory fee payable 100% upfront. No instalments.
3
KYC & Risk Profiling
SEBI-mandated suitability assessment before any recommendation.
4
Custom Portfolio Design
Type A–D recommendation, matched to your profile, with full workbook.
5
Execution Support
Platform setup guidance via your own broker/demat account.
6
Ongoing Monitoring
Quarterly reviews, annual rebalancing, tax reminders.
Our philosophy
Own the market. Don't try to beat it.
This is our philosophy for Passive (Deshi) Portfolio Advisory. The evidence on active stock-picking over long periods is not on its side. So instead of trying to outguess the market, we help you own it — broadly, cheaply, and with discipline. Investing through Direct Equity Portfolio Advisory instead? Read our Direct Equity philosophy.
01
Cost
A fund's expense ratio is the one variable that is guaranteed, every year, regardless of market conditions. Over 15–20 years, cost is often the single biggest determinant of your final corpus.
02
Tracking quality
An index fund's only job is to track its benchmark faithfully. We check whether it actually does that — in practice, not just on paper.
03
Structural diversification
Every ETF earns its place by doing a job no other holding in the portfolio is already doing — across index and factor.
What we don't do
Passive investing is not passive discipline. These are permanent exclusions from our process — not occasional ones.
- Thematic or sector bets
- Leveraged or inverse funds
- Chasing last year's best performer
- Timing entries and exits
- Stock-picking within the fund
- Over-diversifying into overlapping ETFs
When do we rebalance?
We revisit fund selection or allocation when any one or more of these reasons arise — never on a headline, never on a short-term dip.
- 1Your allocation drifts materially from its target weights
- 2An ETF's cost, tracking quality, or liquidity deteriorates
- 3A structurally better, cheaper alternative becomes available
- 4A regulatory or tax rule change affects the plan
Our research process
From hundreds of ETFs to a disciplined few.
No performance-chasing. No themes-of-the-month. Every ETF in Deshi Portfolio survives a structured, four-stage filter before it earns a place in your allocation. Investing through Direct Equity Portfolio Advisory instead? Read our Direct Equity research process.
1
Stage 1 · The universe
We start with every broad-market ETF available to you. Not themes. Not leveraged products.
Our investment universe is NSE-listed, broad-market Indian index ETFs. Thematic, sector, leveraged, and inverse products are excluded from the universe entirely — not screened out later, never considered at all.
2
Stage 2 · Cost & structure screen
Expense ratio, replication method, and fund size all have to clear a bar.
Every ETF is checked against a maximum expense ratio ceiling, a minimum AUM threshold, and its replication method (physical vs synthetic).
3
Stage 3 · Tracking & liquidity check
An ETF is only as good as how faithfully it tracks its benchmark.
We review historical tracking error and tracking difference against the fund's own benchmark, along with average daily trading volume and bid-ask spreads — the practical cost of getting in and out.
4
Stage 4 · Portfolio construction
A disciplined basket, allocated by design — not accident.
What survives the first three stages is checked for overlap against everything else already in your allocation, then weighted deliberately across index and factor. The result is a compact, non-redundant basket — monitored and rebalanced on a fixed schedule, not in reaction to headlines.
Why this process works
Simplicity compounds. So does staying invested.
No performance chasing
An ETF does not enter your portfolio because it had a good year. It enters because it passed a cost, structure, and tracking screen.
Scheduled rebalancing
Allocations are reviewed on a fixed schedule against target weights — not in response to short-term market moves.
Deliberate simplicity
A compact, non-overlapping basket of ETFs, not a sprawling collection. Every holding must do a job nothing else in the portfolio already does.
"Across long periods, very few active strategies consistently beat a low-cost index. Our job isn't to predict which few will — it's to make sure you own the right ones, cheaply, and stay invested long enough for compounding to do its work."
Frequently asked questions