Honest Answers to
Your Questions

Every investment is backed by a signed investment agreement drafted by our Chartered Accountant. This document legally records your principal, return rate, tenure, payout schedule, and exit terms. It is your legal protection and ours. All KYC documents are collected and verified before any investment is activated.

S P Fund Management & Consultancy is a registered proprietorship based in Pune, Maharashtra. Our investment agreements are drafted by a qualified CA. We operate transparently with full documentation for every client.

Unlike chit funds or unregistered schemes, every client receives a signed legal agreement before money is transferred. Full KYC is mandatory. Payouts go directly to your bank account on a fixed schedule. We do not promise unrealistic 30–40% returns because we cannot sustainably deliver them — and we never will.

Interest is calculated on your principal and credited directly to your registered bank account every month on a fixed date agreed at the time of your investment. You receive a WhatsApp and SMS notification every time a payout is processed.

Standard Plan (₹1L–₹24.99L): 12–15% per annum. Premium Plan (₹25L+): 15–20% per annum. The exact rate is fixed in your investment agreement and does not change during your tenure.

Interest income from private investments may be subject to income tax as per your individual tax slab. We recommend consulting your CA for tax planning. We do not deduct TDS at source — you are responsible for reporting returns in your ITR.

Minimum investment is ₹1,00,000 (One Lakh Rupees) for the Standard Plan. The Premium Plan requires a minimum of ₹25,00,000 (Twenty-Five Lakhs).

You need: Aadhaar card (front & back), PAN card, a recent passport-size photo, and your bank passbook or cancelled cheque showing your account details.

Yes, you can have multiple investments running simultaneously. Each investment gets its own agreement, its own payout schedule, and its own record in your dashboard.

Early exit terms are clearly defined in your agreement. There is typically a minimum lock-in period (usually 3–6 months). After lock-in, early withdrawal is possible with a nominal exit adjustment fee, as detailed in your agreement. Everything is discussed upfront before signing.

At the end of your tenure, your full principal is returned via NEFT/IMPS along with the final month's interest. You can choose to renew, upgrade to a higher plan, or fully exit. All maturity transactions are confirmed in writing.