Wealth, planned.
Stocks, bonds, and mutual funds matched to your goals — and reviewed with you as life changes.
Adv./Dist. Sumant Kumar · GSTIN 10BTLPK9148N1Z7
One advisor, accountable to you.
APS Finance is the investment practice of Sumant Kumar. Understand your goals, match them to the right instruments, review honestly as life changes — that's the whole job.
Compounding does the heavy lifting
for a ₹10,000 monthly SIP to reach its first crore
for the same SIP to add the second crore
what ₹5,000 a month becomes in 15 years
Illustrative at 12% p.a. — market returns vary and are not guaranteed.
Six ways into the market.
From a first SIP to managed portfolios — matched to your timeline and risk appetite.
Stocks
Direct equity access for investors who want to hold individual companies.
Bonds
Fixed-income options for steadier, lower-volatility returns.
Mutual Funds — SIP / SWP / STP
Scheme selection with a route that matches how you want to invest or withdraw.
Specialised Investment Funds
Niche, thesis-driven strategies for specific market opportunities.
Portfolio Management Services
Actively managed portfolios for investors who want a hands-on strategy.
Alternative Investment Funds
Access to pooled strategies beyond traditional mutual funds.
The APS Finance way.
Advice we'd give our own family
Every recommendation starts with your goals — nothing is sold just to hit a number.
You'll always know the why
Each plan is explained in plain language, so you stay in control and can stick with it.
Honest reviews, good news and bad
Regular check-ins on how the plan is doing — including the parts that aren't working.
Built over years, not headlines
Wealth compounds slowly. We plan for decades and don't react to every market mood.
See what a monthly habit becomes.
Set an amount, a duration, and an expected return — the projection updates as you drag.
View as table
| Year | Invested | Projected value |
|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹23,23,391 |
Illustrative only — actual returns depend on market performance and are not guaranteed.
Writing that explains, not sells.
Guides we're working on — the first ones land here soon.
- How to think about SIP vs. lump-sum investingComing soon
When spreading investments out helps, and when it doesn't.
- Large-cap vs. mid-cap funds, explained simplyComing soon
What the labels actually mean for risk and expected returns.
- Building a retirement number that isn't a guessComing soon
A simple framework for estimating what you'll actually need.