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Annual Return
+17.5%
▲ Premium Plan
Monthly Credit
₹14,583
on ₹10L invested
Total Corpus
₹42.5L
▲ Growing
Building Wealth with Wisdom
CA-Backed  ·  Documented  ·  Trusted

Your Money,
Working Harder
Than Any FD

Fixed returns of 12–20% per annum — backed by a signed investment agreement, verified and tracked transparently in your personal dashboard.

Start Investing Today How It Works
₹0
Target AUM Year 1
0%
Max Annual Return
100%
Documented & Signed
CA
Verified Agreements
Signed Agreement Every Investment
CA-Drafted Documents
Fixed Monthly Returns
100% Transparent Tracking
Pune-Based · Personal Service

⚠️ Disclaimer: S P Fund Management & Consultancy is a registered proprietorship firm. We are NOT registered with SEBI as an investment advisor or portfolio manager. All investments are based on private contractual agreements. Please invest only after reading your agreement carefully.

Why we're different

We Could Promise 40%.
We Choose Not To.

Anyone can put a 40% return on a banner. The market teaches you quickly that such promises end in broken trust, delayed payouts, and lost capital.

We offer 12–20% per annum because that is what we can deliver — consistently, on time, every month, with a signed agreement backing every single rupee.

Our philosophy

"Building Wealth with Wisdom — conservative by choice, not by limitation."

SPFMC Standard
13.5%
p.a. guaranteed
✓ Signed agreement
SBI FD
6.5%
p.a. (2024)
Bank regulated
Mutual Funds
10–12%
avg. p.a.
Market dependent
SPFMC Premium
17.5%
p.a. (₹25L+)
✓ Priority service

FD rates are indicative. Returns may vary by tenure.

Why SPFMC

How SPFMC Beats FD & Mutual Funds

See how your ₹10 Lakh grows over 3 years across different investment options.

Fixed Deposit
0%
Bank FD
₹11,97,200
After 3 years on ₹10L

Quarterly compounding. Safe but low returns. Inflation-adjusted returns barely positive.

Mutual Funds
0%
Market Linked
₹13,31,000
After 3 years (avg) on ₹10L

Market-dependent. No guaranteed returns. Can lose value in bear markets.

BEST CHOICE
SPFMC
0%
Fixed & Documented
₹14,50,000+
After 3 years on ₹10L

Fixed returns, signed agreement, monthly payouts directly to your bank.

Returns calculator

Calculate Your Estimated Returns

Investment Amount (₹)
₹1 Lakh₹1 Crore
Return Rate (% p.a.) — Enter any rate
Investment Tenure
Payout Type
Investment₹5,00,000
Return rate13.5% p.a.
Tenure12 months
Monthly interest₹5,625
Total interest₹67,500
Maturity value ₹5,67,500
Invest This Amount

Returns shown are indicative. Actual rate as per your signed investment agreement.

Investment Plans

Simple, Transparent Plans

₹1 Lakh – ₹24.99 Lakh
Standard Plan
12–15% p.a.
  • ✓
    Monthly interest credited to bank
  • ✓
    CA-drafted investment agreement
  • ✓
    Client dashboard access
  • ✓
    SMS + WhatsApp payout alerts
Get Started
Most Popular
₹25 Lakh & above
Premium Plan
15–20% p.a.
  • ✓
    Higher returns up to 20% p.a.
  • ✓
    Priority onboarding & support
  • ✓
    Quarterly review meetings
  • ✓
    CA-verified annual statement
Start Premium
Mr. Siddheshwar Pawar
Mr. Siddheshwar Pawar
Founder & Chairman — SPFMC
The person behind your money

Why Trust S P Fund Management?

NISM Series VIII Certified NISM Series XV Certified Technical Analyst 2+ Years Market Experience

With 2+ years of professional experience in financial markets — specializing in equity, forex, and derivatives trading — Mr. Siddheshwar Pawar built SPFMC on one principle: give investors honest, documented returns.

"Every rupee you invest is backed by a signed, CA-drafted agreement — tracked, documented, and returned with agreed returns on time, every time."

— Mr. Siddheshwar Pawar, Founder & Chairman, SPFMC
Full Profile & Certifications
Process

Start Earning in Simple Steps

From registration to your first monthly return — fully guided, fully transparent.

View Full Process
01
🪪
Register & Complete KYC
Submit details, upload documents. Verified within 24 hours.
02
📝
Sign Your Agreement
CA-drafted agreement before any money moves.
03
🏦
Transfer Investment
Send via NEFT/IMPS. Account activated in 24 hours.
04
📈
Earn Monthly Returns
Interest credited to your bank every month.
05
🔄
Maturity & Renewal
Principal returned in full. Renew or exit freely.
Client stories

What Our Investors Say

★★★★★

"The signed agreement gave me confidence from day one. My returns have been credited on time every single month."

R
Ramesh P.
Retired Officer, Pune
★★★★★

"The transparency here is unlike anything I have seen. Every payout, every document in my dashboard."

S
Sunita M.
Business Owner, Pune
★★★★★

"My FD gave 6.5%. I moved part of my savings here and now earn over double. Smooth process."

A
Anil K.
IT Professional, Pune
Common questions

Got Questions?

Everything you want to know before you invest — answered honestly.

View All FAQs
Every investment is backed by a signed, CA-drafted agreement that documents the principal, return rate, tenure, and payout schedule.
Interest is credited to your bank account every month on a fixed date. You receive a WhatsApp notification every time a payout is processed.
Minimum ₹1,00,000 for Standard Plan. Premium Plan requires ₹25,00,000 minimum.
Building Wealth with Wisdom

Make Your Money Work
Harder Than a Fixed Deposit

Join investors across Pune already earning 12–20% p.a. with full documentation and monthly payouts.

Start Investing Now Talk to Us First