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Already in mutual funds? Most of them lose to the index. Own the index instead, at a fraction of the fee.
85%of large-cap funds lost to the index over 5 yearsSPIVA India, Mid-Year 2026
₹800 Cr+AUM
managed by Index Funds Sahi Hai. ₹250 Cr of it on Alpha on Index.
Index Funds Sahi Hai
85%
of large-cap active funds lost to the index over 5 years.
SPIVA India, Mid-Year 2026
~80%
of index fund money is owned by corporates and institutions. Retail is only starting now.
India already holds ₹15.24 L Cr in index funds.
AMFI, Feb 2026 · ownership: AMFI-CRISIL, Mar 2024
Your money, protected
One method, Alpha on Index, behind everything we do. Build it yourself on the app, or have us run it for you. Built on the same principles as the world's first index fund: rules, data and discipline over opinions.
Your true fee, the overlap you cannot see, and whether what you hold still fits your goals.
Flexi cap fund AOverlaps 31.92%Large cap fund BOverlaps 41.78%Check my portfolioWe give you the evidence. You create your own basket for each goal and name it. Zero advisory fees.
Large capMid and small capGold, silver and debtGlobal marketsStart with any amountEven ₹500 a month.Build my basket on the appA portfolio customised to you, built on data and low cost index-linked funds and ETFs, for more power at a fraction of the cost. Every decision made on your behalf, by rules, not a star manager.
Built and managed for you, end to endOnly index-linked funds and ETFs, nothing elseRebalanced on rules, reviewed with you₹250 Cr+managed in the PMSTalk to the PMS deskRooted in 1971
Alpha on Index draws on the process pioneered by John McQuown's team at Wells Fargo in 1971, the group that built the world's first index fund. Same idea, applied to India: a broad index core, evidence based tilts, no forecasts.
What you pay
You stay in control, on trusted rails.
What you pay every year, before you choose where to invest.
0.75%Disclaimer- 0.75% is the AUM-weighted average all inclusive expense ratio across Index Funds Sahi Hai client portfolios as on 30/06/2026 computed from scheme TERs published by the respective AMCs as required by SEBI; individual costs vary with schemes and allocation.
All inclusive. Nothing on top.
This 0.75% is the average cost of Index Funds Sahi Hai investors.
From₹5,000 a month
2.25%Disclaimer- Regulation 52 is the TER regulation, with the 2.25% slab-based ceiling for equity schemes set in Regulation 52.
Plus costs on top.
1% management fee + 1.25% average direct fund cost + custodian and other charges
Minimum₹25 lakh
3.75%
At the highest permitted fee.
Advisory fee up to 2.5% a year, or ₹1.5 lakh a year per family + 1.25% average direct fund cost
MinimumNone
Typical costs in each route, at the fees each is permitted to charge. Alpha on Index, our own PMS, runs under SEBI's PRIM route: direct plans only, with the management fee capped at 1%.
Index funds, simply
Your regular & direct funds
With Index Funds Sahi Hai
Most funds own the same big stocks. You pay 11 fees for what is really one portfolio.
63% overlap in a sample 11-fund portfolioCheck your overlap, freeNew · SPIVA India Mid-Year 2026
Index funds are mutual funds too. We just won't pay 2% a year to trail the index.
Keep a fund that beats its benchmark. For the rest, own the benchmark
Over 10 years, 3 in 4 active large-cap funds lost to the index. Over 5 years, 85% did.
S&P Dow Jones Indices, SPIVA India Scorecard, Mid-Year 2026 (published Sep 2026). Share of active funds that underperformed their benchmark. Hover a grey bar for the active share.
Proof, delivered
The full SPIVA study and our investor deck, in one tap. Read it tonight, decide on your own time. No calls unless you ask.
The hidden cost
Same SIP. Same market. Then add what active funds typically lose to the index. Move the sliders and watch the gap.
Find your fund's expense ratio on its factsheet.
Regular plans: 1.5% to 2.25%
What active funds lose to the index beyond the expense ratio. Set to 0% to see the expense ratio alone.
Index Funds Sahi Hai · 0.75% all inclusiveDisclaimer- 0.75% is the AUM-weighted average all inclusive expense ratio across Index Funds Sahi Hai client portfolios as on 30/06/2026 computed from scheme TERs published by the respective AMCs as required by SEBI; individual costs vary with schemes and allocation.₹15.9 Cr
Your active mutual fund · 2.25% expense ratio + 1.0% underperformanceDisclaimer- Regulation 52 is the TER regulation, with the 2.25% slab-based ceiling for equity schemes set in Regulation 52.₹12.2 Cr
What your active fund costs you₹3.7 Cr
Estimated returns at 12% a year for both, before the expense ratio and underperformance. You invest ₹5.8 Cr in total. Underperformance range based on SPIVA India 10-year gaps. Illustrative only.
Now flip it
+₹3.7 Cr
back in your pocket with an index fund.
More in your pocket in 20 years, from lower fees alone+₹73 L
Sample ₹48.6 L portfolio. Estimated returns at 12% a year before fees. Recovering typical underperformance adds more, over and above this.
Free portfolio review
What the saved fee buys
₹50,000 a month for 15 years, for Aarav’s degree
Active mutual fund₹2.0 Cr
Index fund₹2.3 Cr
+₹30 L more
with the same ₹50,000 monthly SIP
Illustrative. Estimated returns at 12% a year for both, before fees. Actively managed mutual fund fee at 2.25%Disclaimer- Regulation 52 is the TER regulation, with the 2.25% slab-based ceiling for equity schemes set in Regulation 52. vs Index Funds Sahi Hai at 0.75%Disclaimer- 0.75% is the AUM-weighted average all inclusive expense ratio across Index Funds Sahi Hai client portfolios as on 30/06/2026 computed from scheme TERs published by the respective AMCs as required by SEBI; individual costs vary with schemes and allocation., all inclusive. Fee savings only: recovering typical underperformance adds more, over and above this.
You can. Buying an index fund is easy.
Staying disciplined for 20 years is the hard part. That's our job.
You do the thinking
#TheSahiHaiAdvantage
PMS · For investments from ₹25 L, under SEBI's PRIM route
Alpha on Index is our engine. The portfolio review, the app and the PMS all run on the same framework.
Simply buying the Nifty has returned around 8% a year over the last 5 years, to September 2026. On its own, that will not get most people to their goals in the time they have.
And almost nobody in India stays invested for 20 years. Not even 1% of investors.
So we build a diversified portfolio, global exposure included, instead of leaning on one index.
We are a passively active PMS. We do not time the market or read charts. The portfolio is built on Nobel Prize winning evidence.
Who it's for: investors putting in ₹25 L or more who want the index as a floor and a shot at more.
“People normally buy several funds without having a proper strategy. I was doing the same. I was never really aware of the risk management aspect of my portfolio. When Sooraj and his team showed me the downside risk in my existing portfolio, I finally understood how much risk I was actually taking. They helped me restructure it, and the downside risk has improved significantly. Today I feel much more confident and comfortable with my portfolio. I was completely unaware of how much I was paying around 2% per annum, along with some unnecessary insurance policies that were sold to me by the bank. We closed those and reinvested the money appropriately. Today my overall portfolio cost including IFSH's commission, is around 0.60% per annum. I'm genuinely happy with the way the Alpha on India metrics work for the client. What I like most is that it is a process-driven approach. You don't need to depend on an "expert" or someone constantly giving you advice. The process helps you understand your portfolio and implement it properly. Very happy with the transformation in my portfolio and the clarity I now have about risk and cost.”
“The app has a seamless and less complicated interface that has helped a beginner like me navigate through the application. Best parts I liked was the uncomplicated and the friendly feeling of the app that does not make me feel out of place. The calculator in the app is a good way for me to estimate my returns. The risk evaluation helped me figure out where should I invest my money for a sure shot return.”
“Users can get financial goals within the app, such as retirement, planning, education, funding, or buying a home, the app, then recommend suitable index base investment strategies aligned with these goals, helping users stay on track towards achieving their financial objectives.”
“User interface & experience”
“Very well made”
“No guess work application”
“Game Changing App”
“Multiple features and modules for investors”
“Integration with financial goals”
“Excellent and Easy”
Your story next?Start with a free portfolio review
40+ years across investing, risk, tech and planning.
Sooraj RaveendranFounder & CEO
Dr.Prashant BhamareCo-Founder & Director
Lakshmi SoorajCo-Founder - Director, CFO
Rajesh ShettyCo-Founder - COO
Gaurav ChaudharyHead Technology & AI
Rishit DeliwalaTechnology Support
Jainam GosaliaDirector, Business Development
Shalaka GawandeHead of Operations
Sudhakaran BHOD - HR
Kiran ARRisk Monitoring & Control unit
Vivek CLFinance Manager
Payal RajeOperation Services
Chaitali PawarCustomer Experience
Ankit RamaneCustomer Service
Anandu SDigitalYes. SEBI-regulated, run by the same fund houses. They just hold the whole index instead of a manager's picks.
Yes. We review what you hold via MF Central, then plan the switch with you, keeping tax and exit loads in mind. Nothing moves without your say.
Your units sit in your own name with the fund house. Index Funds Sahi Hai never holds your money.
Zero advisory fees. Across our client portfolios the all-in cost averages 0.75% a year: scheme expenses plus our distributor commission, together. Nothing on top. A regular mutual fund can charge up to 2.25%.Disclaimer- 0.75% is the AUM-weighted average all inclusive expense ratio across Index Funds Sahi Hai client portfolios as on 30/06/2026 computed from scheme TERs published by the respective AMCs as required by SEBI; individual costs vary with schemes and allocation.Disclaimer- Regulation 52 is the TER regulation, with the 2.25% slab-based ceiling for equity schemes set in Regulation 52.
Not necessarily. If it truly beats its benchmark after fees, keep it. Three good years rarely predict the next thirty.
Investors putting in ₹25 L or more, under SEBI's new PRIM route, who want index discipline plus a rules-based attempt to beat it. Direct plans only, management fee capped at 1%.
Invest like the top 1%
No checking the market daily. No switching funds every quarter. No chasing last year's winner. Just a system that does the work, while you get on with life.
~80%of index fund money is owned by corporates and institutions
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