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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 online call to understand your situation. In-person meetings in Mathura, Delhi-NCR and Lucknow are possible by appointment — please mention your city.

Add at least one so we can reach you.

Or pick a time directly

Online booking opens here. For now, use the form on the left — we reply within one business day.

Prefer WhatsApp? Tap to chat → +91 9045-7489-71

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, founders of ASM Investments

THE PEOPLE BEHIND ASM

Two generations. One commitment.

ASM Investments was founded in 2007 by Anjali Suman, who began advising a small circle of families in Mathura through what was then a rapidly evolving Indian mutual fund landscape. In 2017, Arvind Kumar Suman — her husband and an AMFI-registered IFA — expanded the practice into a multi-asset advisory covering equity broking through the Mirae Asset Sharekhan franchise, insurance, and goal-based investing for families.

What started as a few client families has grown into a diverse book across Delhi-NCR, Uttar Pradesh, South India, East India, and select high-net-worth and NRI relationships. The thing that has not changed in two decades: every client speaks to the same partner who started the relationship.

The next generation — Sujay, a backend engineer — is now building the tech platform that will let ASM serve clients across India and the diaspora at the standard a modern wealth advisory demands.

“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 anchors current relationships, and the next generation is already involved in operations and tech. Every client meeting from the Wealth tier upward is co-signed by both, so continuity is baked in.
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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