Our Process

Fund Selection Policy & Risk Profiling

A documented, repeatable process for recommending mutual fund schemes based entirely on objective analysis, never on commission incentives.

Fund Selection Process Flow

01

Category Mapping

Matching asset classes to your goals and risk score.

02

AMC Scrutiny

Evaluating brand reputation, AUM, and management stability.

03

Rolling Returns

Analyzing performance across 1, 3, and 5-year cycles.

04

Risk Ratios

Assessing Sharpe, Sortino, and Beta for risk-adjusted returns.

05

Cost Efficiency

Prioritizing schemes with competitive Expense Ratios.

06

Manager Track Record

Reviewing fund manager tenure and style consistency.

07

Portfolio Quality

Checking concentration risk and credit quality (Min AA-).

08

Riskometer Alignment

Matching scheme risk labels with investor tolerance.

09

Internal Sign-off

Final validation of the recommended shortlist.

10

Active Monitoring

Annual performance review and objective replacements.

Suitability Matrix

Risk Profile Score Range Indicative Allocation Recommended Assets
Conservative 12 – 19 Debt: 75% | Equity: 10% | Gold: 15% Liquid, Short Duration Funds
Moderately Conservative 20 – 26 Debt: 55% | Equity: 30% | Gold: 15% Conservative Hybrid, Large Cap
Moderate 27 – 33 Debt: 35% | Equity: 50% | Gold: 15% Balanced Advantage, Hybrid
Moderately Aggressive 34 – 40 Debt: 15% | Equity: 75% | Gold: 10% Flexi Cap, Large & Mid Cap
Aggressive 41 – 48 Debt: 5% | Equity: 90% | Gold: 5% Mid Cap, Small Cap, Sectoral

Exclusion Criteria

❌AMCs under SEBI regulatory action
❌Schemes with extreme sector concentration
❌Debt below AA- credit quality
❌Fund Manager churn (>2 in 3 years)
Miraya Finmart Private Limited
AMFI Registered Mutual Fund Distributor
CIN: xxxxxxxxxxxxxxxxxxxx
ARN-xxxxxx – Validity: xx-xxx-xxxx to xx-xxx-xxx
Registered Office: Shop No. 3, Bharat Soap Factory,, College Road,, Bhilwara 311001, Rajasthan, India
Phone: +91 9887751666  |  Email: contact@mirayafinmart.com

Disclaimers:

Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.

Miraya Finmart Private Limited receives commission from Asset Management Companies (AMCs) for distribution of Mutual Fund products in Regular Plans, as permitted under SEBI and AMFI regulations. Such commissions include trail commission. No commission or fee is charged directly to investors for Mutual Fund distribution.

Miraya Finmart Private Limited makes no warranties or representations, express or implied, on products offered through its platform. We are a Mutual Fund Distributor, NOT a SEBI-registered Investment Adviser. For personalised investment advice, please consult a SEBI-registered Investment Adviser. The Company accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its products or related services.