About Us
What we do
UNBIASED DISTRIBUTION
Pagdiwala Investments helps individuals and families work towards their financial goals, with a particular focus on investing for early retirement and children’s education. We use third party research and data services to identify best suited products that match a client’s investment objectives.
We distribute a range of financial products chosen to suit different investor needs, risk profiles and time horizons, including:
- Mutual Funds, as an AMFI-registered Mutual Fund Distributor (ARN 186203)
- Health and Term Insurance (IRDA Number-AILI2905240100)
- Portfolio Management Services (PMS) under APMI registration APRN 00370
- Alternate Investment Funds or AIFs
We review client portfolios periodically to ensure they remain suitable to their evolving risk tolerance.
EXPERIENCED MANAGEMENT
Pagdiwala Investments is owned and managed by Rohin Pagdiwala, who has more than 20 years of experience in financial services.
Before founding Pagdiwala Investments, Rohin held varying roles in asset management and banking at HSBC Global Asset Management (in Mumbai and London), Axis Asset Management, Axis Bank and DBS Bank in India.
Rohin works with every client personally, from understanding their goals and risk profile to reviewing their portfolio over time. He holds an MBA from the University of Mumbai (2004) as well as various regulatory certifications like NISM-Series V-A, NISM-Series XIII and NISM-Series-XXI-A.
WIDE RANGE OF PRODUCTS
We build each client’s investment portfolio based on their goals, risk profile and investment horizon. To achieve these goals, we use a mix of Mutual Funds (including SIPs, Specialized Investment Funds (SIFs), and where relevant, Portfolio Management Services (PMS) and Alternative Investment Funds (AIFs). Visit our Products & Solutions page for details.
COMPLETE TRANSPARENCY
Our Registrations and Commission Disclosure
Pagdiwala Investments is an AMFI-registered Mutual Fund & SIF Distributor (ARN-186203). We are also registered with APMI as a distributor of Portfolio Management Services (APRN-00370). We act only as a distributor. We are not a SEBI-registered Investment Adviser or Portfolio Manager.
Mutual funds: Regular Plans only
We help clients invest only in the Regular Plans of mutual fund or SIF schemes. For our distribution services, the respective AMC or Portfolio Manager pays us a trail commission. It is calculated as a percentage of the value of your investments on an annualized basis, and is paid out of the scheme’s expense ratio, so you pay no separate fee to us. This is why a Regular Plan has a higher expense ratio than the Direct Plan of the same scheme. You may invest in Direct Plans directly with the AMC if you prefer.
Indicative trail commissions we receive, by broad category (as of September 2026):
| Category | Trail commission (% p.a. of investment value) |
|---|---|
| Active Equity and Hybrid Funds | 0.50% – 1.30% |
| Passive Equity and Hybrid Funds (including Index Funds,) | 0.20% – 0.70% |
| Debt Funds and Gold funds | 0.20% – 0.70% |
| Liquid Funds | 0.05% – 0.25% |
These ranges are approximate and vary by scheme, AMC and over time. Before we recommend a scheme, we will tell you the commission we would receive on it and on the comparable schemes we considered. A detailed scheme-wise commission schedule is available on request. The actual commission paid on your investments is also shown in your Consolidated Account Statement (CAS).
How we do it
Here’s how the investment process works
Understand your investment objective
Assess your risk profile & tolerance
Offer a mix of products that suit your objective and risk
Agree on the products to be invested in
Execute the investment Plan
