The usual questions — and some that ought to be asked more often.

No. Accrue is a SEBI-registered mutual fund and investment distributor. We do not charge clients an advisory fee or an AUM fee. We earn distribution commissions from the product manufacturers we recommend — AMCs, AIFs, private credit funds, international feeders, and so on.

It varies by product category. For direct equity mutual funds, distributor commissions are typically in the range of 0.5 to 1.25% per year. For AIFs and private credit, it is usually a one-time structure plus a small trail. For every recommendation, the applicable commission is disclosed in writing in the same document where we recommend the product. If the commission structure changes mid-relationship, we tell you.

Good question, and worth asking directly. In theory, yes, there is a gradient. In practice, we work around it in three ways. First, no single manufacturer gives us revenue targets — our book is spread across enough managers that no one of them has leverage over us. Second, we publish our disclosure on every recommendation, which means a client comparing two recommendations can see the spread. Third, our reputation over twenty years is worth more than any one commission — and we act like it.

Two reasons. One, fee-only in India means adding a second bill on top of the expense ratios already embedded in the products — for most Indian families, that double-charge is a poor trade. Two, a SEBI RIA has strict rules about what products they can sit alongside; an RIA cannot, by itself, offer the full shelf of distributable products. Our model — a transparent distributor, working alongside an RIA partner (APRN 02629) for advisory-grade conversations — lets families access both lanes without paying twice.

Typically around ₹5 crore of investable capital. That is a floor, not a rule. We have worked with families below it where the fit was right, and declined above it where it was not. What matters more than the number is whether we can add real value given the complexity of the situation.

We do not publish an exact number. What we can say: we work with families across more than 100 Indian pincodes, and NRI families in more than ten countries. We are deliberately small — the practice is sized so that one partner can genuinely know every family.

One or two hours, in person in Delhi or over video. No slides, no product pitch. We want to understand your current picture, your goals, and what has not worked for you so far. You leave with no obligation. If the fit is right, a second meeting follows.

Yes, when the relationship has progressed to that point. We ask existing clients’ permission before putting anyone in touch — stewardship works both ways.

Accrue, as a distributor, does not give personalised investment advice in the SEBI-regulated sense. We curate, we take positions, we disclose our economics, and we explain our thinking. When a conversation needs to move into the advisory lane — personalised allocation recommendations, financial planning — we bring in our partner RIA (APRN 02629) and mark the shift clearly.

You do, technically — every purchase, redemption, and switch is executed in your own name, in your own folios, under your own control. We recommend, you approve, the transaction executes. There is no discretionary mandate; we do not have trading authority over your accounts.

We are not tax advisers, estate lawyers, or insurance agents. We work alongside the professionals you already use in those areas, and we will introduce you to people we trust when the gap is worth filling. The Accrue seat stays in its lane: curated access and stewardship of your investable capital.

Yes — we have NRI families in more than ten countries. We think about currency drift, cross-jurisdiction holdings, and repatriation mechanics as part of the normal work, not as a special service. See For NRIs for how we approach it.