Families served since 1987
17,000+
Investment Advisory by Ckredence
Your Investments Deserve a Second Opinion. Get One Free.
Reviewed by the team managing ₹800+ crore in portfolios- Know what to keep, what to sell, and what to change
- Free, and no obligation to invest afterwards
Ckredence investment review
30 minutes. No sales pitch, and your details stay private.
Trusted Partners
Why choose Ckredence?
Client assets we look after
₹1,700 Cr+
Investor complaints on record
Zero
Returns are annualized TWRR, after all fees and expenses, as of June 30, 2026. Past performance does not indicate future returns. Performance data is not verified by SEBI.
Why Families Choose Ckredence
What makes our advice different from your bank or your agent
When advice is free, someone else is paying the person advising you, usually the company whose product you end up buying. Our model is simpler: you pay us a clear fee, and we answer only to you.
You pay one clear fee. That's our only interest.
For our advisory plans, you pay a fee you can see. No product company pays us to recommend anything, so the advice serves one person: you.
Banks & Agents
The advice is free. The products are not.
The agent earns commission when you buy. So somehow, the answer is always "buy this policy, buy this fund." Their income depends on your yes.
This Is For You
These are the questions we get asked every single day.
Most people who call us are not in trouble. They just have doubts that never got answered properly. See if any of these are yours.
Get These Answered"My SIPs are running, but are they doing well?"
Money goes out every month. Nobody has ever told you if it is going to the right funds.
"My money is scattered all over."
Some FDs, a few LIC policies, mutual funds, maybe some shares. No single place where it all makes sense.
"Everyone tells me something different."
The bank says one thing, YouTube says another, your relatives say a third. Whom do you actually trust?
"Most of my money just sits in FDs."
It feels safe. But after inflation, it is quietly losing value every year.
"Am I saving enough for what’s coming?"
Children's education, a house, and retirement. You earn well, but no one has done the math with you.
"An agent sold me policies I don’t fully understand."
You pay the premium every year. You are not sure what you are actually getting back.
"I invested once, then stopped tracking."
Somewhere, some funds exist in your name. Where they stand today, you honestly don't know.
Our Advisory Plans
Three ready portfolios. Pick the one that fits your goal.
Tell us your goal, and our investment team builds and manages a portfolio for you, the same team that manages hundreds of crores for our biggest clients.
India turns 100 in 2047. This portfolio is built for that ride.
Quality companies chosen for India's next two decades of growth.
20 to 25 carefully picked stocks
Reviewed and adjusted by our investment team as India's story unfolds.
For investors who can stay invested 5+ years
Built for people who want their money riding India's long-term growth.
Vision 2047 portfolio strategy
Every few years, a new sector takes off
This portfolio hunts for the next wave before it becomes obvious.
20 to 25 stocks from sectors turning around
Picked by the same research team and watched actively.
For investors who want faster growth
Designed for people who can accept more ups and downs on the way.
NextWave Opportunity portfolio strategy
Markets change. This portfolio changes with them
A steady mix across different types of investments, adjusted as conditions shift.
25 to 30 holdings spread wider
Built to swing less when markets fall than the other two plans.
For investors who want peace of mind first
A portfolio designed for steady growth over the years.
All Season portfolio strategy
Start with ₹5,000 or ₹5 crore. There is a place for you here.Talk to Us
Simple fees. No surprises. Written down before you sign
Fees, Explained
Fixed Fee Plan
One flat annual fee on your portfolio, whatever the market does. Simple to plan for.
Per annum
2.5%
Profit Sharing Plan
A small fixed charge. Our profit share begins only after your returns cross 7% a year. We grow only when your wealth does.
Fixed charge per annum
0.25%
+ 25% share, only on profits above the 7% hurdleYour portfolio returns 12% this year. Our share applies only to the 5% above the hurdle.
If it returns 6%, we take no share at all.
Securities sit in your own demat account with a SEBI-registered custodian. We manage; we never hold.
All fees are stated in your agreement before you sign. Nothing surfaces later.
Portfolio statements and the fund manager's monthly note, in plain language, every month.
Exact fee structure varies by strategy and is confirmed in your agreement. No hidden charges.
Want a second opinion on your current portfolio first?Talk to an Advisor
❝ Institutions never buy on tips.
Neither do we
Who Reviews Your Money
Your money gets the same expert who manages ₹800+ crore.
Kartik Mehta | Chief Investment Officer & Fund ManagerEX IDFC AMCEx Canara Robeco AMC20+ years ExperienceMBA-Finance
Kartik Mehta has spent over 20 years managing money at some of India's most trusted investment companies. Today he leads the team that manages ₹800+ crore for Ckredence's clients. When you ask for your free review, it is his team and his process that go through your investments.
Get My Free ReviewSimple, fast, no pressure
Three steps. Completely free.
Free investment review process
Everything Under One Roof
Start where you are. Grow with one team.
PMS is what we are known for. But families rarely arrive with just one need. That is why everything lives under one roof: portfolio management for serious wealth, advisory plans to get a real roadmap, mutual funds to begin the journey, and an equity desk for direct market access.
PMS for portfolios of ₹50 lakh and above
Not sure where you fit? That is exactly what the first call is for. Free.
30 minutes. No obligation, and no pressure to choose anything.
Talk To An ExpertReal People, Real Stories
People like you, in their own words.
No scripts, no actors. Just clients on what the review found, and what changed for them after.
FAQs
Something Else Bothering You? Check Out Our FAQs
Have a different question? Ask us on the call. It costs nothing.
Get My Free ReviewReally free, and here is our honest math: some people who take the review like how we think and become clients. Most don't, and that is fine. The review costs us a little time and earns us trust. That trade works for us.
No. You get your review call, and the next step is always yours. If you say 'not now,' we don't chase you. We are 39 years old as a firm; we don't run on pestering people.
Yes. Your details are used for one thing: reviewing your investments. They are not sold, shared, or passed to any other company. We are regulated by SEBI and have zero complaints on record.
Especially for you. Small portfolios carry the most silent problems: overlapping funds, forgotten policies, money sitting idle. Fixing them early is worth lakhs over the years. Twenty minutes now versus finding out ten years later.
Three things, in plain words: what is working and should continue, what is quietly hurting you, and what to change, in what order. You get findings you can act on, not a brochure.
No. The advice is yours to keep. Act on it yourself, take it to your own advisor, or ask us to handle it. All three happen regularly, and we tell you this upfront so the review feels like advice, not a trap.
One word: commissions. An agent earns when you buy a product, so the advice bends toward buying. For our advisory plans, you pay us a clear fee and we earn nothing from product sales. The advice has to be good, because the advice is the product.
The free review has no minimum. Our managed advisory plans start at ₹10 lakh. Mutual fund investing with us can start with a simple SIP. Whatever your size today, there is a sensible starting point.
The investment team led by Kartik Mehta, our Chief Investment Officer, who spent 20+ years at some of India's most trusted investment companies and today manages ₹800+ crore. Not a bot, not a call centre.
Yes. Our Portfolio Management Service is built exactly for that stage: your own dedicated portfolio, managed by the same investment team. Mention it on your call, or start with the free review and we will tell you honestly if PMS fits you.
Yes. We work with NRI families in several countries and handle the account and compliance requirements. Ask about it on your call.
Fair question. Three checkable facts: the firm has served families since 1987, we are regulated by SEBI, and we have zero investor complaints on record. Then take the free review and judge the advice itself; that is what it is for.
SEBI-Registered Investment Advisor
We Don't Just Protect Your Wealth. We Grow It, and Stay to Prove It.
Legacy35 YEARS
AUM₹700 Cr+
RegistrationSEBI-REGISTERED
Very nice service and good staff. Always getting quick reply for any query. Ms Riya Always very supportive and helpful.
AZAjay Zariwala