Many small investors.
One careful hand.
Start a SIP from ₹500 a month. Set a goal, pick your funds and invest online, with a real person in Nagpur to talk to when you need one. No separate fee.
- AMFI registered · ARN 272635
- No separate fee
- 100+ families in Nagpur
100+ investors pool in
each starting from ₹500/month
Krystal
Capitals
Mutual funds
NPS
PMS
Parag Parikh Flexi Cap Fund
₹81.40Live NAV · 2026-10-22
The diagram illustrates how pooled investing works. NAV figures are live from AMFI and shown as examples, not suggestions to buy. Your money is always held by the asset management company in your own name — never by us. Past performance may or may not be sustained in future and is not a guarantee of future returns.
Clearing this up first
A mutual fund is what you own. A SIP is just how you pay for it. An EMI isn't a different house — it's the same house, paid monthly.
Start small
The most common reason people never begin is thinking they need lakhs spare. A SIP starts at ₹500 a month — and the amount matters far less than the years.
If you invest this every month
Roughly about one pizza a month.
In 20 years it could become
₹0
- You put in
- ₹1.2 Lakhs
- Compounding adds
- ₹3.8 Lakhs
An example at an assumed 12% a year, only to show how the maths works. It is not a forecast: returns are not guaranteed and some years will be negative.
The plan builder
Most sites hand you a calculator and leave. This walks the whole way: what you want, when you want it, how much volatility you can stomach — and the monthly commitment that actually gets you there.
What are you investing for?
Pick the goal closest to yours — you can fine-tune everything next.
The cost of waiting
Compounding does most of its work in the final years. Every year you postpone doesn't just remove one year of contributions — it removes the years those contributions would have grown the most.
Waiting 5 years costs you 47% of your final corpus — from just ₹3,00,000 of skipped instalments.
How your money is held
Markets go up and down, and fund values move with them. That part is real. What doesn't change is where your money sits: with the fund house, in your name, under SEBI's rules.
What we do
Client stories
We don't advertise. When there's no separate fee and the reasoning is written down, referrals do the work.
100+
Families
₹0
Separate fee
Swipe for more →
The team at Krystal Capitals is extremely knowledgeable and responsive. They helped me set up my NPS account and explained everything clearly. Highly recommended!
Professional service with a personal touch. The regular portfolio reviews and market updates keep me informed about my investments. Great experience overall.
Getting started
Most people finish in one sitting on their phone. A couple of checks (your KYC and the bank's auto-debit approval) can take a few working days after that.
Sign up with your PAN
Your email, then your PAN, date of birth and mobile number. That's your account.
Add your details and bank
A few details about you, your bank account and a nominee. All online, nothing to print, no office visit.
Pick a fund, start a SIP
From ₹500 a month, paid by auto-debit. Not sure which fund? Try the Planner or ask us on WhatsApp.
- Do I need a demat account?
- No. Mutual funds don't require one.
- Can I pause or stop?
- Any time, at no cost or penalty.
- Can I change the amount later?
- Yes — up or down, whenever.
- What do I pay you?
- No separate fee. We earn a trail commission from the fund house, built into the Regular plan's expense ratio.
Invest online
Our investing app is where the orders happen. Browse funds by type, compare them side by side, start a SIP or invest a lump sum, and see your whole portfolio in one place. No waiting for a call back.
Both open invest.krystalcapitals.com — our own platform, same AMFI registration (ARN 272635). Orders are routed through the NSE mutual fund platform, and every unit is held in your name against your PAN.
₹500 a month
The smallest SIP most funds accept. Increase it, pause it or stop it whenever you like.
Paperless KYC
PAN, Aadhaar, a bank account and a short video. No forms to print, no branch to visit.
SIP on AutoPay
One mandate and the instalments run themselves. Cancelling costs nothing.
Still no separate fee
Exactly as it works here: the fund house pays us a trail commission from the scheme's expense ratio, and you pay us nothing on top.
Blog
Want to read more first?
Build the plan, send it to us, and we'll come back with the funds, the paperwork and an honest opinion. No separate fee, no obligation.
No separate fee · AMFI ARN 272635 · Nagpur