Questions, answered clearly.

DreamLadder Capital Private Limited is an AMFI Registered Mutual Fund Distributor & SIF Distributor (ARN-143182) and an APMI Registered PMS Distributor (APRN-05201). Founded in 2018, we help families access mutual funds, SIF, PMS, AIF, bonds, structured products, insurance (through partners) and legacy planning, with one family-wide view.

The products we distribute are regulated by SEBI (and RBI or IRDAI where relevant). We are registered with AMFI as a mutual fund and SIF distributor and with APMI as a PMS distributor. We are a distributor, not a SEBI-registered investment adviser.

Individuals, families, HNIs, NRIs and OCIs, business owners and retirees.

Book a conversation with us. Once you decide to go ahead, we help you complete KYC and onboarding, and guide you through each step.

Mutual funds, SIF, PMS, AIF, bonds and corporate FDs, structured products, and insurance from IRDAI-registered insurers. We also coordinate legacy and estate planning with qualified professionals.

Through a structured conversation and a standard risk-profiling questionnaire covering your goals, time horizon, liquidity needs and comfort with risk.

Around your goals, time horizon and risk profile, across asset classes and products. We explain the options and trade-offs; you make the decision.

We suggest at least a periodic review, and whenever your life circumstances change. Reviews are available on request.

Yes. Onboarding and most transactions can be completed digitally, with our team available to help.

Mutual funds pool money from many investors and invest it in shares, bonds or other assets according to a stated objective, managed by a SEBI-registered AMC.

A SIP invests a fixed amount at regular intervals, which builds discipline and spreads purchases over time. A lumpsum invests a larger amount at once. The right choice depends on your cash flows, goals and comfort with market movements.

It depends on your goals, risk appetite and time horizon. We explain the relevant categories and schemes, with costs and risks, so you can decide.

ELSS funds have a 3-year lock-in. Many schemes charge an exit load if redeemed within a set period; details are in the scheme documents.

We deal only in Regular Plans and earn a trail commission, disclosed at the time of investment. Direct Plans, with a lower expense ratio, are available to investors directly from AMCs.

A SEBI-regulated category offered by eligible mutual funds that allows strategies, such as limited long-short positions, that regular schemes cannot use.

₹10 lakh per PAN, across all SIF strategies of a fund house. Accredited investors are exempt.

Some SIF strategies use derivatives and short positions, which add risks. Read the Investment Strategy Information Document carefully.

In PMS, a SEBI-registered portfolio manager runs a portfolio held directly in your demat account. Mutual funds pool money and issue units.

Privately pooled funds that invest in private equity, venture capital, private credit or long-short strategies. Minimums are high, and money is often committed for several years.

PMS: ₹50 lakh. AIF: ₹1 crore for most investors.

We look at investment process, track record across cycles, risk management, costs and governance, and share these with you so you can decide.

Bonds carry credit, interest-rate and liquidity risks. Ratings help assess credit risk but are not guarantees.

Products, mostly market-linked debentures, that combine a bond with a derivative so the payout follows a pre-defined formula.

Some aim to repay principal at maturity, but this depends on the issuer’s ability to pay. Others are not principal-protected.

It varies by product and issuer; we share the term sheet before you decide.

Term, health, life and general insurance, from IRDAI-registered insurers.

Term insurance offers pure protection at a low cost. Investment-linked plans combine cover with savings, usually at a higher cost.

Claims are filed with the insurer. We help with coordination and follow-ups.

It helps your wealth reach your family smoothly, with fewer disputes and delays.

We coordinate with qualified legal and tax professionals for Wills, trusts, nominations and transfers.

A Will takes effect after death and decides who inherits. A trust can operate during your lifetime and after, with more control and privacy.

India does not currently levy inheritance or estate tax. Income from inherited assets is taxable in the recipient’s hands.

No. Payments go directly from your registered bank account to the clearing corporation, AMC, portfolio manager or fund, as prescribed.

Net banking, UPI, NEFT/RTGS, registered mandates or cheques, depending on the product and platform.

PAN, Aadhaar or other address proof, bank details and a photograph. NRIs also need passport, visa or residence proof and overseas address.

Yes. Mutual fund folios allow up to three holders.

No. Applicable charges and commissions are disclosed as required by regulation.

Yes, in mutual funds, bonds, PMS and AIFs, subject to RBI, SEBI and product-specific rules.

NRE is for repatriable funds, NRO for income earned in India such as rent or dividends, and FCNR for foreign-currency deposits.

Yes, but some AMCs restrict investments from the US and Canada because of FATCA and local rules. We share which options are open to you.

Gains are taxed in India, usually with TDS. Relief may be available under Double Taxation Avoidance Agreements.

For listed equity shares and equity-oriented funds on which STT is paid: gains on holdings of up to 12 months are taxed at 20%; longer holdings at 12.5% on gains above ₹1.25 lakh a year. The ₹1.25 lakh exemption applies to your total eligible gains in the year, not per scheme. Surcharge and cess apply. Based on tax law for FY 2026–27; please consult your tax adviser.

Funds that invest more than 65% in debt and money-market instruments are “specified mutual funds”. For units bought on or after 1 April 2023, gains are taxed at your slab rate, however long you hold them. For units bought earlier, gains on holdings of more than 24 months are taxed at 12.5% without indexation, and shorter holdings at your slab rate. Based on tax law for FY 2026–27; please consult your tax adviser.

Yes, at your slab rate.

Check the website address, verify registration numbers on AMFI and APMI websites, and never share OTPs or passwords. We will never ask for your password.

Stop further transactions, change your passwords and contact us right away. You can also report cybercrime at cybercrime.gov.in or call 1930.

Monday to Friday, 8:00 AM to 6:00 PM IST, and Saturday, 9:00 AM to 3:00 PM IST.

Usually within one working day. For complaints, see our escalation matrix.