# FAQ — Arthum Wealth Services

### Do I pay extra fees for investing through Arthum?
No. AMFI-registered MFDs are paid commission by the AMC out of the scheme's expense ratio. The expense ratio is the same direct or regular plan.

### Is Arthum AMFI registered?
Yes. Utkarsh Agrawal is an AMFI Registered MFD (ARN-360064).

### What is the minimum investment to start?
SIP from ₹500/month. Lump-sum from ₹5,000 in most equity funds.

### How do I onboard with Arthum?
- AssetPlus quick-start: https://www.assetplus.in/mfd/utkarsh
- Google form: https://forms.gle/SmAqwF7U6FU5biHw8
- KYC with Aadhaar-linked PAN: ~10 minutes.

### Can I switch my existing mutual funds from another advisor?
Yes — via a simple change-of-broker process. Units stay invested; only the servicing relationship changes.

### How often will my portfolio be reviewed?
Quarterly reviews and one annual deep-dive, plus proactive outreach during major market events.

### Are mutual fund returns guaranteed?
No. Subject to market risks. Past performance is not indicative.

### Do you sell insurance and NPS?
Yes — term insurance, health insurance, NPS — chosen on suitability, not commission.

### What is a loan against mutual funds?
Pledge MF units, borrow at lower rates than personal loans, units keep compounding. Digital sanction in 24–48 hours.

### Where is Arthum located?
Fully online; serving clients across India. +91 95956 11222 · utkarsh.agrawal777@gmail.com.

### How is Arthum different from a bank RM or typical agent?
No monthly product targets. Goal-first, product-second. International research lens. Written plans + quarterly reviews from one accountable advisor.