Welcome to Aarthik Solutions
Discover High-Growth Opportunities with Specialised Investment Funds
What are Specialised Investment Funds (SIFs)?
SEBI’s Strategic Initiative
Introduced by SEBI to provide institutional-grade investment opportunities to High Net Worth Individuals (HNIs) and experienced investors, SIFs combine the regulatory oversight of mutual funds with the flexibility of PMS.
Why Were SIFs Introduced?
Traditional Investment Options
Mutual Funds (Low Entry )
• Minimum investment: ₹500
• Limited investment strategies
• Retail investor focused
• Standardized approach
Portfolio Management Services (High Entry)
• Minimum investment: ₹50 lakh
• Highly customized strategies
• Ultra HNI focused
• Complex compliance
SIF Fills the Gap
Perfect Middle Ground
Bridges the significant gap between mutual funds and PMS with ₹10 lakh minimum investment.
Enhanced Flexibility
Offers sophisticated investment strategies not available in traditional mutual funds.
SEBI Regulated
Maintains regulatory oversight and investor protection while offering advanced strategies.
Niche Opportunities
Access to specialized sectors like startups, fintech, and private equity investments.
Key Features & Benefits of SIFs
SEBI Guidelines for SIF Investments
Debt Investment Rules
- Maximum 100% allocation to debt securities
- Investment grade securities preferred
- Corporate bonds and government securities allowed
- Duration and credit risk management required
Allocation Limits
- Government Securities - Up to 100%
- Corporate Bonds - Up to 80%
- Money Market Instruments - Up to 20%
Equity Investment Guidelines
- Listed and unlisted equity securities allowed
- Startup and growth company investments permitted
- Sector concentration limits apply
- Due diligence requirements for unlisted securities
Investment Limits
- Listed Equity - Up to 100%
- Unlisted Equity - Up to 50%
- Single Company - Max 25%
REITs & InvITs Investment
- SEBI registered REITs and InvITs only
- Real estate and infrastructure exposure
- Regular income distribution expected
- Liquidity considerations important
Allocation Guidelines
- REITs - Up to 30%
- InvITs - Up to 30%
- Combined Limit - Max 50%
Derivatives Usage
- Hedging and risk management purposes only
- Exchange-traded derivatives preferred
- Strict position limits and monitoring
- No speculative trading allowed
Usage Limits
- Hedging Exposure - Up to 100%
- Currency Hedging - Permitted
- Speculative Trading - Prohibited
Who Should Invest in SIFs?
Experienced Market Participants
Investors with deep market knowledge and understanding of complex financial instruments.
HNIs & Institutional Investors
High Net Worth Individuals and institutions seeking diversified investment opportunities.
Sector-Specific Risk Takers
Investors comfortable with higher risk for potentially higher returns in specialized sectors.
You should consider SIFs if...
- You have ₹10 lakh or more available for investment
- You seek exposure to niche and emerging sectors
- You have a long-term investment horizon
- You understand market volatility and associated risks
- You want professional fund management with flexibility
- You're comfortable with moderate liquidity constraints
