Serving business families since 2021
Mutual funds, PMS, AIF and protection — researched in-house, executed by a small team in Salt Lake that answers its own phone. You always know who is responsible for your money.
Protect · Grow · Manage · Create legacy
Most people arrive holding a little of everything and a clear picture of nothing. Here is exactly what we run, who each one suits, and what we take off your desk.
Goal-linked portfolios across equity, debt and hybrid — built to a written allocation, not to whatever is topping the one-year chart.
Your first ₹25 lakh to ₹5 crore of liquid wealth. No minimum to begin.
SEBI’s newer category, sitting between a mutual fund and a PMS — wider strategy freedom than a scheme allows, without the ticket size a PMS demands.
Investors above the SEBI minimum of ₹10 lakh, counted across all of an AMC’s SIF strategies rather than each one.
Discretionary equity mandates with a named fund manager and stocks held in your own demat account. Distributed under Raja Banka’s APMI registration, APRN-06564.
Investors above the SEBI minimum of ₹50 lakh who want concentration and can sit through a bad year.
Category II and III funds — private credit, long-short equity, pre-IPO and real-asset strategies.
Above the SEBI minimum of ₹1 crore, and only once the liquid core is already in place.
Term, health, key-man and business-continuity cover — sized to the family and the firm that depend on you.
Every promoter with dependants, a loan guarantee, or a partner who would have to buy them out.
How we work
The sequence matters: nothing is bought before the note exists, and the note is not written before we understand how your business consumes cash.
One unhurried meeting at your office. Business cash cycle, family dependants, existing folios, policies and loan guarantees — all of it on one page.
A short note you keep: everything you hold today in one place, what it would cost in tax to change anything, the options in front of you with our reasoning, and what we deliberately are not doing.
Paperwork completed at your desk. Folios and policies consolidated into a single view for the whole family, including the HUF.
A quarterly review and an annual re-plan. When markets turn, you hear from us first — that is the whole point of a small book.
Founder-led research
“We don’t publish stock tips. We work out where the next rupee should go — and what would have to change for us to say something else.”
Raja Banka — Founder, RHB Wealth Pro
Every month an investor faces one real question: given what I already hold, where does fresh money go today? Our research is built around that and nothing else. Twice a month we rerun a valuation-and-sentiment model across large, mid and small caps, and publish what it says — the evidence behind it, and the trigger that would make us change it.
The model is contrarian by construction: it leans towards what is cheap and unloved and away from what is expensive and crowded, whatever the last two years returned. It is never a scheme recommendation, and personal allocation is never settled before we understand your circumstances.
Who you will be working with
There is no relationship manager layer here, and no one is rotated off your account next quarter. You deal with the two people whose names are on the licence.
Founder · ARN-347811 · APRN-06564
Mathematics and Scientific Computing at IIT Kanpur, followed by fifteen years inside the steel and paper industries — which means he has read a balance sheet from the inside: the capex cycle, the working-capital squeeze, the year the order book went quiet. He writes the allocation research the practice runs on.
Founder · ARN-281865
A statistics graduate from Delhi University who spent her early career in private client roles at Indian multinational firms — large books, institutional processes, and the discipline that comes with both. She runs client planning, execution and the review calendar, and holds the practice to its service standards.
Fees and disclosure
Most intermediaries make you find this out. It sits here because a promoter deserves to know who pays whom before the first meeting, not after the first statement.
| Mandate | Who pays us | What you see |
|---|---|---|
| Mutual funds | Trail commission from the AMC. Nothing from you. | The rupee amount we earned on your folios, in your annual review pack. |
| PMS and AIF | Distributor commission from the fund house, disclosed upfront. | Our commission and the fund's own fee structure, in writing, before you sign. |
| Insurance | Commission built into the premium, as regulated. | The rejected quotes alongside the one we recommend, so you see the trade-off. |
RHB Wealth Pro is a mutual fund distributor, not a SEBI-registered investment adviser. We are paid by the manufacturers, disclosed above — we do not charge you an advisory fee.
Before you move anything
No. Most clients start with one slice — usually the part they are least sure about — and move the rest over two or three quarters, once the reporting has proved itself. Exit loads and capital gains decide the pace, not us.
They stay yours, wherever they sit. We map every folio, policy and nominee into one view first — often the most useful thing we do in the first month — and only then discuss what is worth changing.
A named person, and you will have their mobile number. The practice is deliberately small: three of us, and the founder reads every plan before it reaches you.
You tell us, and we hand over cleanly — statements, plans, nominee records, everything. Nothing is locked except products with contractual lock-ins, and those are flagged in writing before you ever enter them.
Both founders are AMFI Registered Mutual Fund Distributors — Ruchika Banka under ARN-281865 and Raja Banka under ARN-347811 — and both are IRDAI-registered insurance agents. PMS is distributed under Raja Banka’s APMI registration, APRN-06564, and AIF products are distributed without a separate registration number; in both cases the portfolio manager or investment manager is named on the offer document, and we do not manage money ourselves. We are distributors, not SEBI-registered investment advisers. That is a real distinction: we are paid by the product manufacturers, we show you exactly what that is, and we do not charge you an advisory fee.
Get in touch
Ninety minutes, at your office or ours. We will walk you through how we work, what we distribute, and exactly what it costs you.