How SIPDhara works, and why

Fund research your investors trust, in their own language.

SIPDhara is your own mutual fund website. It has real data on every Indian fund, 24 calculators, a private portfolio check-up, and an Invest button that sends interested visitors straight to you. This page shows what it does, why we built it this way, and what we need from you before it goes live.

बूँद-बूँद से सागर“drop by drop, an ocean”: a SIP in four words.

Open the test site See the journey
Status labels on this page:Live on the test siteNeeds your inputPlanned

What we found in the market

Every gap we saw has an answer

Before building, we studied the distributor research sites investors use today. These are patterns we saw across the market, and what SIPDhara does about each one.

We sawLong tables of numbers and no charts, so investors can't see how a fund behaved over time.

Charts everywhere, tables tooNAV, growth and return charts on every tool, with the full table one tap away.

We sawAmounts picked from a few fixed presets, and results cut off at the "top 10".

Any amount, every fundType 25000, 1.5L or 2cr. See every fund in a category, sortable by any column.

We sawNumbers like 2.97E7, mixed formats, and typos in fund names.

Clean Indian numbers₹2.97 Cr, ₹11,20,179, never E-notation. Fund names come straight from the official AMFI list.

We saw"CAGR" used for SIP results, and yearly returns quoted for funds less than a year old.

The right measure, every timeXIRR for SIPs, CAGR from 1 year, simple return below 1 year. New funds stay out of rankings, as SEBI rules require.

We sawZoom switched off on phones, and no way to share or save a result.

Phone-first, made to shareZoom works. Every result has its own link, a WhatsApp share button, and PDF or CSV download.

We sawNo fund analysis and nothing for the investor's own portfolio.

Real analysis toolsFund report pages, screener, compare, rolling returns, and a private Portfolio X-ray.

From first visit to your phone

From "just looking" to "please call me"

The investor does the research. When they are ready, you get a message with everything you need to help them.

Investor

SIPDhara fund page on a phone: Parag Parikh Flexi Cap Fund, NAV ₹80.9756 on 9 Oct 2026

1Finds a fund

From search, a shared link or the screener. Every fund has its own page.

Investor

SIP calculator on a phone: ₹5,000 a month for 10 years at 12%

2Plans with it

Tries amounts and years in a calculator. The link keeps their numbers.

Investor

Invest dialog on a phone with a call-back form and consent checkbox

3Taps Invest

Chooses a WhatsApp chat or a call-back, and gives consent.

You

4Gets the chat

Fund, amount, their calculation and language, already written.

You

SIPDhara · nowNew lead: Asha (example)
Example Reference SD-7K2Q9M. Please contact the lead within one working day. Reply on WhatsAppCall +91 98765 43210
Fund
Parag Parikh Flexi Cap
Amount
₹5,000
Type
SIP (monthly)
Language
हिन्दी (Hindi)
Consent
recorded

5Calls them back

Call-back requests arrive by email, with one-tap reply buttons.

Steps 1 to 3 are real screenshots of the test site (data as of 9 Oct 2026). Steps 4 and 5 are drawn examples: the name, phone and reference are made up. The fund shown is only an example screen, not a recommendation.

Rolling returns · Parag Parikh Flexi Cap Fund
Rolling returns section of a fund page: lowest, median and highest returns over 1, 3 and 5 years
Portfolio holdings of Mirae Asset Large and Midcap Fund on a phone
Trailing returns table compared with Nifty 500 TRI and the category average
Returns vs benchmark and category
Distribution of 3-year rolling returns compared with the benchmark
How often it beat its benchmark

Fund pages

One honest report card for every fund

Each of the 8,567 fund plans has its own page: NAV chart, returns against its benchmark and category, rolling returns, risk measures, expense ratio, size, riskometer and, for three fund houses so far, what the fund actually owns.

Live on the test siteHoldings for more fund houses: planned

Why this way?

  • Rolling returns show the whole story. A single "3-year return" depends on the start date. Showing every 3-year period answers the investor's real question: "how often did this go well?"
  • Always next to the benchmark and category, so a number is never shown without something to judge it against.
  • Regular and Direct plans are one tap apart, so the cost difference is open. That builds the trust that brings investors back to you.
  • Holdings start with DSP, Nippon India and Mirae Asset, whose monthly files we can read reliably today. Other fund houses publish in formats that block automatic reading; we add them one by one.
test-sipdhara.republic.global/calculators/sip
SIP calculator growth chart with a year-by-year breakdown table
SIP calculator on a phone with Future value, SIP needed, Time needed and Return needed tabs

Example inputs: ₹5,000 a month, 10 years, 12% a year gives ₹11,20,179. This is an illustration, not a promise of returns.

24 calculators

Answers the questions investors really ask

Every calculator works forwards ("what will I get?") and, where it makes sense, backwards: "what SIP do I need for ₹1 crore?", "how long will it take?", "what return would I need?"

SIPLumpsumStep-up SIPSIP + top-upsLumpsum vs SIPSWP (pension)STPGoal plannerRetirement & FIREChild educationCost of delayInflationCAGRXIRRAbsolute returnEMIEMI vs SIPPPFSSYNSCEPFNPSFDRD
Live on the test site

Why this way?

  • Side-by-side scenarios. "₹5,000 for 15 years or ₹8,000 for 10?" is a real conversation; investors can compare both on one screen.
  • Shows the value after tax, using the tax year 2026-27 rules under the new Income-tax Act, so nobody is surprised at redemption.
  • Every result has its own link, a WhatsApp share button and a PDF. When an investor sends it to you, you see exactly what they saw.
  • Method shown on screen. By default "12%" means a true 12% a year. Some apps show higher numbers using a simpler formula; investors can switch and see why they differ.
  • Small-savings calculators (PPF, SSY, NSC, EPF, NPS, FD, RD) bring in people comparing a fund with a safe option, which is often their first step.
Lumpsum performance · Equity: Flexi Cap · 3 years
Bar chart of 3-year CAGR for every flexi cap fund, with benchmark and category average lines
NFO hub on a phone showing open, upcoming and closed new fund offers
Fund screener filtered by asset class with sortable return and cost columns
Screener: filter by category, house, cost, returns
Compare two funds: growth of ₹10,000 over 5 years
Compare up to 5 funds

Research tools

"How would this have done?" On real history.

Investors pick a category, an amount and a period, and see how a one-time investment, a SIP or a pension-style withdrawal would actually have done in every fund, using real NAVs back to 2006.

Lumpsum performanceSIP performanceSWP performancePortfolio backtest (up to 10 funds)Step-up SIPSTPSIP with top-upsFund-house viewsNFO hubScreenerCompareRolling-returns analyserFund-house pagesSearch
Live on the test site

Why this way?

  • Every fund, not a "top 10". The screen above lists all 46 flexi cap funds (Regular plans, 3 years), with lines for the benchmark and the category average.
  • Regular plans by default, Direct one tap away. That matches what you distribute, and stays open about costs.
  • Funds under one year old are listed apart with a simple return only, never ranked, as SEBI's advertising rules require.
  • The calculations run on the investor's own phone, so the site stays fast and cheap to run even with many visitors.
  • Copy link and CSV download on every result, so investors can share and keep their research.
Portfolio X-ray · demo statement
Tax-harvesting helper and capital gains estimate from the demo statement
Portfolio X-ray on a phone: current value, invested, gain and XIRR
From the demo statement Fictitious data
What it showsDemo result
Current value₹13,82,958
Invested (cost of current holdings)₹8,13,296
Portfolio XIRR+15.3% a year
Tax-free long-term gain still available this year₹1,09,367
Extra yearly cost of Regular vs Direct₹5,345

A made-up statement built into the site for demos. ₹1,25,000 tax-free limit − ₹15,633 already used = ₹1,09,367.

Portfolio X-ray

A full check-up, and the file never leaves the phone

An investor uploads the consolidated account statement (CAS) they get from CAMS, KFintech or MF Central. In seconds they see their true return (XIRR), how their money is spread, which funds trail their category, capital gains by year, a tax-harvesting helper, and what Regular plans cost them compared with Direct.

Live on the test siteNeeds a real CAS from you to testFund overlap: planned

Why this way?

  • Privacy is the selling point. The PDF and its password (usually the PAN) are opened inside the browser. Nothing is uploaded, so investors can try it without trusting us with their data.
  • It starts the right conversation. "Your small-cap fund has trailed its category for 5 years" or "₹1 lakh of gains can be booked tax-free this year" is a reason to talk to you.
  • The cost of Regular plans is shown openly. It is the honest thing to do, and it is what SEBI expects from distributors.
  • Saving is optional and anonymous: signed-in users can keep fund names and units only, never PAN, name or folio numbers.
test-sipdhara.republic.global/hi/
SIPDhara home page in Hindi with the tagline बूँद-बूँद से सागर
SIPDhara home page in Hindi on a phone

8 languages

Fund research in their language

Every page, button, calculator and email works in eight languages. Investors pick theirs once; links they share open in the same language, and their WhatsApp message tells you which language they prefer.

EnglishEnglishहिन्दीHindiमराठीMarathiગુજરાતીGujaratiবাংলাBengaliதமிழ்TamilతెలుగుTeluguಕನ್ನಡKannada
Live on the test siteNeeds a native-speaker review

Why this way?

  • Most new investors are more at home in their own language. Very few research sites offer that; it is a real reason to choose you.
  • Numbers stay in the familiar Indian style (lakh and crore) in every language.
  • We wrote the translations, but money words matter. A native speaker should check each language before launch; until then we call them drafts.
Invest · Parag Parikh Flexi Cap Fund
Invest dialog on the fund page with the call-back form

On the test site the dialog shows only the call-back form. The WhatsApp button appears as soon as we add your WhatsApp Business number.

Invest button and leads

Interested investors come straight to you

Every fund page, calculator and research result has an Invest button. The investor chooses a WhatsApp chat with you, already filled in with the fund, amount and a link to their calculation, or a call-back form. Each request gets a reference number and is emailed to you.

Call-back form: live on the test siteWhatsApp: needs your numberLead email: needs your address

Why this way?

  • WhatsApp is where your investors already are. A click-to-chat link costs nothing per message and needs no approval from Meta.
  • You never start from zero. The message carries their fund, amount, calculation link and language, so your first reply can be useful.
  • Consent is recorded with the date and time, as India's data protection law (DPDP Act) requires, and a hidden bot check keeps spam out.
  • Your lead email has "Reply on WhatsApp" and "Call" buttons; the WhatsApp greeting is pre-written in the investor's language.
  • No buying online yet, on purpose. Transactions need an active ARN. Once yours is issued, we can connect BSE StAR MF, the exchange platform for distributors.

Accounts and automatic alerts

The site keeps in touch with investors for you

Investors can sign in with just their email and a one-time code (no password to forget). Signed-in users get a watchlist, saved calculations, saved portfolio snapshots and a morning email with what changed.

Live on the test siteWhatsApp alerts: planned

Every morning · 7:15 IST

Watchlist movesIf a fund on their watchlist moved more than their chosen limit (3% by default), they get one tidy email.
Example
HDFC Mid Cap Fund ▼ −3.4% in a day. Open the fund page.

When an NFO opens

New fund offersInvestors who asked for it hear about new funds the day they open.
Example
New fund offer open: ICICI Prudential Contra Fund. Closes 12 Oct 2026.

On their SIP date

SIP reminderA monthly nudge on the day they choose, so they keep their SIP going.
Example
Today is your SIP day. Steady SIPs, clear choices.

When a request arrives

Lead email to youName, phone, fund, amount, language and consent, with reply buttons.
Example
New lead: Asha · SD-7K2Q9M · reply on WhatsApp

Why this way?

  • Email first, WhatsApp later. Emails cost almost nothing. Automatic WhatsApp messages are charged per message by Meta, so we add them once enough investors ask for them.
  • One email a day at most per person, with a one-click unsubscribe, so investors stay subscribed instead of marking you as spam.
  • Branded emails in the investor's language, in SIPDhara colours, so every email builds your name.

What an investor can keep in their account

  • A watchlist of funds, with alert choices
  • Saved calculator scenarios, to reopen any time
  • Anonymous portfolio snapshots (no PAN, no folio numbers)
  • Their call-back requests
  • Delete everything themselves, in one step

Compliance built in

The rules are part of the design, not an afterthought

As a new distributor, your name is on every page. SIPDhara follows SEBI and AMFI rules for distributors automatically, so a page can't go out without them.

Every pageARN, EUIN and "AMFI-registered Mutual Fund Distributor"Plus the market-risk line. Shows "ARN pending" until your details are in.
Every fundRiskometer shownOn fund pages, NFOs, comparisons and portfolios.
< 1 yearNo yearly returns for new fundsSimple return only, and kept out of every ranking.
0 times"Best", "guaranteed" or "advisor"Words a distributor may not use. Lists say "sorted by 3-year return" instead.
OpenCommission disclosureRegular plans are the default, Direct is one tap away, and the cost gap is shown.
AlwaysDate, source and methodEvery number shows when it is from and how it was calculated.
Live on the test siteNeeds your ARN, EUIN, legal name and addressPrivacy and terms: needs a lawyer's review

Why this way?

  • A new distributor can't afford a compliance mistake. Building the rules into every page is safer than checking pages one by one.
  • Your details live in one place. When your ARN arrives, we enter it once and every page, email and badge updates.
  • Honesty is the brand. "No hype" is what makes SIPDhara different, and it is what regulators expect anyway.

Data and updates

Fresh numbers twice a day, with nobody pressing a button

Fund prices, fund details and index values come from official public sources: AMFI for every fund's daily NAV and details, and the official NSE index site for 18 benchmark indices. NAV history goes back to 2006.

1CollectAt 11:45 pm and again at 6:30 am IST, after AMFI publishes the day's NAVs.
2CheckImpossible values and sudden jumps are set aside instead of shown.
3CalculateReturns, rolling returns, risk and rankings for every fund are worked out in advance.
4PublishOnly what changed is sent to your site; every page shows its "as of" date.

How changes reach your site

1We make a changeEvery change is tested automatically first.
2Test site updatesWithin minutes, at test-sipdhara.republic.global. You can try it there.
3You approveWhen you are happy, we mark that version as a release.
4Live site updatesThat exact version goes to sipdhara.republic.global. Nothing else does.

Why this way?

  • No paid data needed to start. Official free sources cover NAVs, fund details, costs, riskometers and benchmarks.
  • Paid data can be switched on later (for example holdings for every fund house) without rebuilding anything. A quote from the provider is needed first.
  • Two runs a day catch NAVs that AMFI publishes late.
  • A separate test site means your investors never see a half-finished change.

What the data covers today

  • 8,567 fund plans from 55 fund houses, data as of 9 Oct 2026
  • Daily NAV history since 2006
  • 18 official benchmark indices (with dividends reinvested)
  • Expense ratios, fund size, riskometers and NFOs from AMFI
  • Monthly holdings for DSP, Nippon India and Mirae Asset funds

Still partial: exit loads, and official Sensex and gold index history. Both are on the roadmap.

A day with SIPDhara

Your day, once it is live

An illustration of a normal day after launch, once your WhatsApp number and lead email are connected.

6:30
Data refreshLast night's NAVs are checked and published. You do nothing.
7:15
Investor alerts go outWatchlist moves, new NFOs and SIP reminders reach signed-in investors by email.
10:30
A WhatsApp chat arrivesSomeone compared two flexi cap funds and tapped Invest. You see the fund, amount and their calculation link.
13:00
A call-back request by emailIn Marathi, with a reference number. "Reply on WhatsApp" opens a greeting already in Marathi.
16:00
A portfolio review callThe investor ran Portfolio X-ray on their phone and shares what they found. You talk about their goals, not about spreadsheets.
23:45
Tonight's refreshToday's NAVs arrive and every page updates itself.

Peace of mind

Built so investors can trust it

Statements stay privatePortfolio files and PANs are read on the investor's phone and never uploaded.
No passwords to leakSign-in uses a one-time code by email. Investors can delete their account themselves.
Every number explainedDate, source and formula next to every result, and a public methodology page.
Fast on any phoneCalculators open even without a signal once visited, and zoom always works.

Running costs

Built to cost very little each month

Your site runs on a global network with a generous free plan, and the heavy calculations happen on investors' own devices. These are the running costs as we understand them today; providers can change their prices.

Hosting

Free to startAbout US$5 a month once traffic passes roughly 500,000 visits a month.

Emails

~US$0.25 per 1,000Alerts, sign-in codes and lead emails. A few thousand a month cost about a dollar.

Sign-in

FreeUp to 50,000 active users a month.

WhatsApp

₹0Click-to-chat is free. Automatic WhatsApp alerts (later) are charged per message.

Optional later: a paid fund-data feed (for holdings of every fund house), only if you decide you want it, after a quote.

The road ahead

Where we are and what comes next

Ready on the test site

The full website

  • Fund pages, screener, compare, rolling returns, fund-house pages
  • 24 calculators and the research tools
  • Portfolio X-ray with tax helper
  • 8 languages (draft translations)
  • Sign-in, watchlist, alerts, branded emails
  • Call-back form with consent
  • Automatic data refresh twice a day

Later

Growing

  • Buying and SIP set-up through BSE StAR MF, once your ARN is active
  • Automatic WhatsApp alerts (paid per message)
  • Holdings for ICICI, HDFC, Kotak, SBI, ABSL, Axis and UTI funds
  • Fund overlap in Portfolio X-ray
  • Exit-load data for every fund
  • Official Sensex and gold index history

What we need from you

Each item below switches on something that is already built.

  • ARN, EUIN and legal nameAs on your ARN card, plus your contact address. Removes the "ARN pending" banner.
  • WhatsApp Business numberTurns on the WhatsApp chat in the Invest button.
  • An email address for leadsWhere call-back requests should arrive.
  • Native-speaker reviewersOne person each for Hindi, Marathi, Gujarati, Bengali, Tamil, Telugu and Kannada.
  • A lawyer's reviewOf the privacy policy and terms of use.
  • A real CAS statementYours or a volunteer's, to test Portfolio X-ray. It stays on your device.
  • One decisionWhen an investor deletes their account, should their call-back requests be kept for your records? Today they are deleted too.

You can try it now

Open the test site on your phone. Try a calculator, switch to Hindi, open any fund, and run Portfolio X-ray with the demo statement. It is a preview: it says "ARN pending" and does not take investments.

Open the test site test-sipdhara.republic.global बूँद-बूँद से सागर