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ASM Investments
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AMFI-REGISTERED · MATHURA · EST. 2007

Wealth advisory for Indian families, wherever they live.

Investments, protection, taxes and legacy — handled by people who pick up the phone, backed by institutional-grade products from across India and GIFT City.

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Anjali Suman and Arvind Kumar Suman, founders of ASM Investments
  • AMFI ARN-103139
  • NISM V-A Certified
  • Mirae Asset Sharekhan partner
  • IRDAI POSP
  • GIFT City partner network

TALK TO US

Start with a conversation, not a sales pitch.

A free 30-minute call to understand your situation — no pressure, no jargon. Leave your details and the times that suit you, and we'll call you back, usually within one business day.

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WHAT WE DO IN DETAIL

Four ways we work with families.

Pick the tier that fits. You can move between them as your needs change.

  • Core

    For starters and SIP savers.

    • AUM under ₹25 lakh
    • Mutual fund SIPs across 3-5 schemes
    • Term + family health insurance
    • NPS for retirement
    • Annual review
    • Digital onboarding

    Commission-only — you pay no fee

    Start a SIP

  • Premium

    For working families and small business owners.

    • AUM ₹25 lakh – ₹2 crore
    • Everything in Core, plus:
    • Written financial plan
    • Tax-saving overlay (ELSS, NPS, insurance)
    • Equity broking via Mirae Asset Sharekhan
    • Half-yearly review with a named relationship manager

    Plan fee ₹25,000 – ₹75,000 one-time, or commission-only

    Get a plan

  • Wealth

    For HNI families and successful professionals.

    • AUM ₹2 crore – ₹10 crore+
    • Everything in Premium, plus:
    • PMS, AIFs, structured products
    • Documented Investment Policy Statement
    • Family-CFO services on request
    • Quarterly review with senior advisor

    AUA-based advisory fee under SEBI RIA (in progress)

    Schedule a private consultation

  • NRI

    For Indians living abroad.

    • For non-resident Indians in the GCC, US, Canada, UK, EU, Singapore and SEA.
    • NRE / NRO / FCNR account setup help
    • GIFT City funds, PMS, USD ULIPs
    • Repatriation and Form 15CA / 15CB via CA partner
    • Cross-border tax pack (US clients paired with a US CPA)
    • Will / succession basics across jurisdictions

    Service in your time zone

    Talk to us about NRI services

FOR THE DIASPORA

Built for Indians abroad — finally.

Most onshore Indian mutual funds don't accept US or Canada NRIs. GIFT City — India's International Financial Services Centre, USD-denominated and tax-efficient — does.

We help families across the GCC, North America, the UK, EU and Singapore invest in India without the usual paperwork burden. One Indian touchpoint that handles investments, repatriation, taxes and succession.

  • GCC
  • US & Canada
  • UK & EU
  • Singapore & SEA
Read the NRI guide

HOW IT WORKS

Four steps. No surprises.

  1. 01

    Discovery call

    A free 30-minute online call to understand your goals, current portfolio and family context. In-person where possible.

  2. 02

    Plan and proposal

    We write a one-page plan, recommend a tier and propose either a fee-based or commission-based engagement. Your choice.

  3. 03

    Onboarding

    Digital KYC, e-mandates and the first transaction. Residents in 48-72 hours. NRIs in 7-10 working days.

  4. 04

    Review and adapt

    Quarterly for Wealth, half-yearly for Premium, annual for Core. Mid-cycle updates over WhatsApp.

Anjali Suman and Arvind Kumar Suman in the early years of ASM Investments

THE PEOPLE BEHIND ASM

Two generations. One commitment.

ASM Investments began in 2007, when Anjali Suman earned her NISM Series V-A certification — not just to look after her own family's money, but to understand how India's wealthiest families build and protect theirs. With Arvind, then serving in the Indian Air Force, opening the first doors, she began advising families across the defence community — and, by word of mouth, far beyond it.

By 2017 she was guiding over 500 families and individuals, with more than ₹20 crore under advice. That year Arvind retired from the Air Force and joined her full-time — a decade of helping after-hours behind him, and a fresh AMFI registration in hand. Together they've since grown the practice to around ₹50 crore in client assets, and broadened it into multi-asset advice — mutual funds, equity, insurance and goal-based planning — for a deliberately mixed book: defence officers, business owners, working professionals, and HNI and NRI families.

What has never changed is how they work — the partner who opens a relationship stays on it, reachable when it matters, never handed off to a call centre. And the practice is built to outlast its founders: their two sons are now AMFI-certified and advising alongside them, so the family that started ASM is the family that will carry it on.

“We've never measured ourselves by AUM. We've measured ourselves by how many of our first clients still call us back.”
— Arvind Kumar Suman

COMMON QUESTIONS

Things people ask us before they sign on.

Are you fee-based or commission-based?
Both, depending on the tier. Core and Premium clients pay nothing — we earn a trail commission from the mutual funds we recommend. Wealth and NRI clients can opt for AUA-based advisory fees under our SEBI Registered Investment Adviser registration (in progress). We will never charge an advisory fee and a commission on the same product to the same client — that is regulated against.
I'm an NRI in the US — can I invest in Indian mutual funds?
Most onshore Indian AMCs restrict US and Canada NRIs because of FATCA reporting. We use GIFT City Portfolio Management Services instead — securities are held in your own name, which avoids the PFIC tax trap most pooled funds create for US taxpayers. We pair this with a referral to a US-licensed CPA so your US tax position stays clean.
What is GIFT City?
GIFT City is India's International Financial Services Centre, located near Gandhinagar. Although it sits in India physically, it is treated as a foreign jurisdiction under FEMA. USD-denominated, tax-efficient, and accessible to NRIs from any geography. See our NRI guide for a longer explanation.
Do you handle insurance?
Yes — life, health, and general insurance. We are an IRDAI Point-of-Sale Person today and are upgrading to a Corporate Agent registration to offer products from up to nine insurers across categories.
How quickly can I start?
Resident Indians can be onboarded with their first investment in 48-72 hours after KYC. NRIs typically take 7-10 working days because of the document set required, plus IFSC banking unit account opening if going via GIFT City.
How do I know my advisor will be around for the long run?
ASM Investments is a two-generation practice. Arvind and Anjali anchor the current relationships, and the next generation — their two AMFI-certified sons — is already advising alongside them. Every client meeting from the Wealth tier upward is co-signed by a founding partner, so continuity is built in, not bolted on.
What is the minimum to work with you?
None for Core (SIP starting from ₹500/month). For Premium, we suggest at least ₹25 lakh investable to make a written plan worthwhile. Wealth begins at ₹2 crore. NRI Premium begins at the equivalent of about ₹50 lakh investable.
Where can we meet in person?
Mathura is home. We meet clients in Delhi-NCR, Lucknow and Agra periodically by appointment. For other cities and for NRIs, all calls are online over Zoom or WhatsApp.

Not sure yet? That's fine.

A 30-minute conversation costs nothing and rarely changes anything. Sometimes it changes a lot.

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