A boutique financial distribution house
Where money meets method. Mutual funds, SIF, insurance and loans in Guwahati, Assam
Mutual funds, insurance and loan assistance under one roof, with a single point of contact, scheduled reviews and records you can verify at the registry.
MoneyBag Capital Distribution
One relationship across your investments, protection and borrowing. Here is what it includes.
A single point of contact
Your investments, cover and loans coordinated through one relationship that sees the whole picture.
Scheduled reviews
Your holdings reviewed with you every one to three months.
Digital access
Your holdings available any time through our investor app.
Meetings on your terms
In person, including at your home.
Claims and applications handled
Support through insurance claims, and loan applications followed through to sanction.
Verified records
Statements reconciled against the official registries, CAMS and KFintech.
Investing
Mutual funds and SIPs, chosen against a goal you name. We set up your SIPs, keep the paperwork in order, and go through your holdings with you every one to three months. You can check them any time in our investor app.
For investments of Rs 10 lakh and more, we also distribute Specialized Investment Funds, a separate category with its own risks and minimum.
AMFI Registered Mutual Fund Distributor & SIF Distributor, ARN-332819.
Mutual funds in Guwahati What a SIF is
Protection
Life, health, motor, home, travel and business cover. We read the exclusions, waiting periods and sub-limits with you before anything is signed, and help with the paperwork if you ever need to claim.
Solicited by our personnel as a certified POSP attached to an IRDAI licensed intermediary. ARN-332819 relates to mutual fund and SIF distribution and does not apply to insurance.
How insurance works here
Borrowing
Home, property, personal and business loans. We assess what is realistic for your profile, prepare the documentation, and follow the application through to sanction.
We are not a lender. Banks and NBFCs lend, and they decide. ARN-332819 does not apply to loans.
How loans work hereHow we work
- Understand the goalWhat the money is for, and when you will need it.
- See the whole pictureInvestments, insurance cover and any loans, looked at together.
- Choose and set upSchemes, policies or lenders chosen with you. We handle the forms and KYC.
- TrackYour holdings in our investor app, your statements from the registries.
- ReviewTogether, every one to three months.
Your money never touches us
- You invest against your own PAN.
- Money goes straight to the fund house, never to us.
- Units are held in your name and recorded by CAMS or KFintech.
- We cannot withdraw your units.
What our investors say
The portfolio selection process is unlike anything I've seen in Indian wealth management. It feels boutique, precise, and highly personalized to my family's legacy goals.
Finally, a distributor that respects the client-first approach to wealth. Their research reports are better than my former premier Indian financial institution's internal documents.
Our standards
No promised returns
Returns on market linked products are not assured. Anyone who tells you otherwise has told you something useful about themselves.
Protection is never sold as investment
If what you need is cover, we will say so plainly, including when the product that pays us more is the other one.
No churning
Moving money between schemes generates fresh commission and rarely helps you. If we suggest a change, we will tell you what it pays us.
Full disclosure of what we are paid
Ask, and you get the number. Our commission structure is available on request, for every line we distribute.
How to check any distributor, including us
- Ask for the ARN, and check it on the AMFI register yourself.
- Never transfer money to a distributor's personal account. Payments go to the fund house.
- Ask what the person is paid, and by whom.
- Walk away from anyone offering a guaranteed return.
How we are paid
You pay us no fee directly. We are paid commission by fund houses, insurers and lenders. For mutual funds it sits inside the expense ratio of the Regular plan you invest in. The details are available on request.
From the founder
Why I started MoneyBag
For more than nine years I have worked with money: first trading my own, then for two years as a relationship manager at fund houses, including Nippon India Mutual Fund and Tata Mutual Fund.
The two taught me the same thing from opposite sides. Much of what goes wrong with people's money is not the market. It is a plan nobody could keep, a cost nobody explained, or a product sold to the wrong person.
I started MoneyBag in Guwahati in July 2025 to do the plain version of this work for families in Assam and the North East: say what things cost, say what we are paid, and help you choose for the goal you actually have. If a Direct plan suits you better, we will tell you.
A plan you can keep is worth more than a tip you chase.
Darshan SaikiaFounder, MoneyBag Capital Distribution NISM Series V-A and XIII
Start a conversation
Tell us what you are planning. We will set out what is realistic, what it involves, and how we would take it forward.