Maranchery, Malappuram · Kerala
Sending money home. Watching it sit still.
That is where most of the families we work with start. We distribute the full range of mutual funds — including Shariah-screened options — and we are straight about what each one can and cannot do.
No guaranteed returns. No pressure. Clear information, and the awkward parts said out loud.
What happens next
Three steps, and the first one is just a conversation
A free goal call
Fifteen minutes on WhatsApp to understand what you are saving for — a home, Hajj, your children's education. Nothing is recommended on that call.
Narrowing the shelf
We start from the full range of schemes. Asking for Shariah screening narrows it sharply — there are very few screened schemes in India and almost all of them are equity, which is why we say so before you choose.
Paperless setup
KYC is completed online and a SIP can be funded from an NRE or NRO account. Your units are held in your name, never in ours, and we never touch the money.
Start where your question is
How mutual fund investing works
What a distributor is, how we are paid, what the paperwork involves, and where your money actually sits. The whole process with nothing left out.
Read thisShariah screeningIf you want screened options
How the screening works, why a permissible business can still fail the second screen — and the part most sites leave out: how few screened schemes there actually are in India.
Read thisFor NRIsInvesting from where you are
NRE against NRO and what that means when you want your money back out, why the US and Canada are different, and how tax is deducted before it reaches you.
Read thisOn Shariah screening
We explain the screening. We do not certify it.
We are not a Shariah board and we do not certify any investment as compliant. Screening is carried out by the scheme's own Shariah supervisory board and the index provider it follows. We can explain how that screening works and show you who performed it.
Whether a particular investment is right for you as a matter of religious obligation is a question for a scholar you trust. We will not answer it for you, and you should be wary of anyone selling investments who does.
We also distribute the full range of schemes, not only screened ones. The screened universe in India is small and almost entirely equity, so for some goals it cannot be the whole answer. We would rather say that than sell you a shelf that does not fit.
What we will never do
- Certify anything as compliant — that is the scheme's Shariah board, not us
- Answer a religious question that belongs with your scholar
- Name, recommend or rank a scheme
- Promise or imply a return
- Take your money in cash or into our own account
- Manufacture urgency to rush your decision
Have a question before you invest?
Ask it in English or Malayalam, from Kerala or from the Gulf. We will help you work through it — whether or not you ever invest through AH Finserv.
Start a conversation