SIP planning
Start a systematic investment plan sized to what you can genuinely sustain, in a scheme category that matches how long you are investing for.
AMFI-registered distributor · ARN-200996
Mutual fund investing, explained plainly.
H2 Investment is a mutual fund distributor in India. We help you understand your options, start a SIP or place a lump sum, and keep your portfolio under review — with no in-house product of our own to push.
No jargon, no pressure, no hype. We will tell you when doing nothing is the sensible option.
You will speak to
Himani Harsh Shah
AMFI-registered Mutual Fund Distributor
ARN-200996 · EUIN E400532
- No in-house product
- SIP-first for new investors
- Portfolio review for lump-sum investors
- KYC guidance via KRA
What we do
Three ways we help
We are a distributor, not a fund manager. We do not run schemes and we never hold your money — your investment sits with the fund house, in your name.
Lump sum & portfolio review
Have money to deploy, or a set of holdings you have never really examined? We go through it with you — allocation, overlap, cost and what you actually own.
Goal-based planning
A house deposit, a child's education, retirement. We work backwards from the goal and the time you have, then map it to a way of investing.
Our process
How working with us actually goes
The steps, no surprises. You can stop at any point.
A conversation
What you are investing for, how long you have, and how you would feel if the value fell for a year. Nothing is sold on this call.
Options, side by side
We put suitable scheme categories in front of you and explain the trade-offs in plain language — including cost and risk.
Paperwork and KYC
We guide you through KYC with a KRA and the scheme application. You transact directly with the fund house.
Review, on a schedule
A periodic check-in on whether the plan still fits your life. Most reviews end with no change, and that is a good outcome.
Why H2
Not tied to any one fund house
The reason to work with H2 is structural.
We are not owned by a fund house and we have no product of our own. We are not tied to any asset management company, which means the conversation is about what suits you rather than about what we happen to have on the shelf.
What we are not
- Not an asset management company. We do not create or manage schemes.
- Not a custodian. Your units are held in your own name with the fund house or in your demat account.
- Not a source of personalised investment advice in our published material — for that, talk to us or to a SEBI-registered investment adviser.
- Not in the business of predicting markets. Nobody on this site will tell you what the market does next year.
- 5 years distributing mutual funds
- More than 200 families served
- Over ₹10 crore invested through us
Figures from H2’s records, as at October 2026.
Tools
See what a monthly SIP could add up to
Put in an amount, a period and an assumed rate of return. The calculator shows you the arithmetic of compounding — it is not a forecast, and no rate of return is promised or implied.
Also here: the NAV lookup for a scheme’s latest price, and the new fund offers open for the first time, as AMFI lists them.
Illustrative only
Calculator output is an illustration based on an assumed rate that you choose. It is not a
projection of returns. Actual returns will differ and can be negative.
Learn
Start with the basics
Short, plain explainers. No tips, no sales calls, no hype.
What is a mutual fund?
How pooled investing works, what a NAV is, who the AMC and the trustee are, and where a distributor like us fits in.
8 min read
SIP or lump sum?
What each approach really does to your risk, why rupee cost averaging is not magic, and how people usually end up doing both.
9 min read
How to read a scheme document
A guided tour of the SID, KIM and factsheet — the sections that matter, and the ones people skip that they should not.
10 min read
Common questions
Questions people ask us first
Do you hold my money?
No. Your money goes from your bank account to the fund house, and the units are held in your name. We facilitate and service the transaction as a distributor. We never take custody of client funds.
Which fund houses can I invest in through H2?
We are not tied to any single fund house and we have no product of our own. Before you invest, we give you in writing the list of fund houses we are empanelled with, and remind you that other products exist that we do not offer. Ask us about a specific scheme and we will tell you straight away. Every fund house whose schemes appear in AMFI’s daily file is listed on our NAV lookup.
I have never invested before. Is that a problem?
Not at all — it is most of what we do. We will walk you through KYC with a KRA, explain what you are buying before you buy it, and start you at an amount you can sustain. Begin with what a mutual fund is.
Can you tell me which scheme will perform best?
No, and neither can anyone else. Past performance does not indicate future results. We can explain what a scheme invests in, what risks it carries and what it costs, so that you can make an informed decision.
Start a conversation
Tell us what you are trying to do with your money. We will tell you honestly whether we can help, what it involves and what it costs. No obligation, no sales script.