You do not pay us directly
We do not charge you a separate fee. We are paid a trail commission by the fund house whose scheme you invest in, and it is already built into that scheme's expense ratio.
About
About H2 Investment
We are a mutual fund distributor. We do not run a fund house, so we have nothing of our own to sell you.
What we actually do
H2 Investment helps people in India choose, buy and hold mutual fund schemes. We are registered with AMFI as a mutual fund distributor under ARN-200996.
In practice that means three things. We explain what the categories are and how they behave. We handle the paperwork — KYC through a KRA, the scheme application, the folio. And then we stay for the part that lasts: the eight or twelve years afterwards, when nothing much is happening and the only real risk is that you stop.
The money never comes to us. It goes from your bank account to the fund house, and the units are held in your name. We are not a custodian and we never take possession of client funds.
Why we are not tied to one fund house
Some distributors can only offer what their own group manufactures. A bank relationship manager is usually selling that bank's schemes. We are not owned by an asset management company and we have no in-house product, so nothing on our side pushes one fund house over another.
That does not make us better at picking. Nobody can reliably pick. It changes something narrower and more useful: the conversation is about what suits you, rather than about what happens to be on our shelf.
We do not publish a list of the fund houses we work with. The roster changes, a stale list is misleading, and we will not display anyone else's logo without their permission. Ask us about a specific scheme and you will get a straight answer — whether or not it is one we would put forward.
What we are not
- Not an asset management company. We do not create, run or manage schemes.
- Not a custodian. Your units sit in your own name with the fund house or in your demat account.
- Not a SEBI-registered investment adviser. We distribute and we explain; we do not give personalised investment advice in our published material.
- Not in the forecasting business. Nobody here will tell you what the market does next year.
Registration
- AMFI-registered mutual fund distributor
- ARN: ARN-200996
- ARN valid until: 30 January 2028
- EUIN: E400532
- Registered office: Ramnagar, Sabarmati, Ahmedabad — 380005, Gujarat, India
How we are paid
The commission question, answered first
It is the sharpest question anyone asks us, so we put it near the top rather than in a footnote.
It is not nothing
A regular plan costs more than the direct plan of the same scheme — typically somewhere around half a percent to one percent a year, depending on the scheme and category. That is real money and it compounds against you.
So decide honestly
If you have been through a full market cycle, you rebalance on schedule, and you did not stop your SIP the last time markets fell twenty percent — go direct. You do not need us, and we would rather say so.
Who we work with
Three kinds of people call us
People starting out
Usually a first SIP — a systematic investment plan, a fixed amount invested every month. The hard part is rarely the concept. It is the number of choices, and knowing what a bad month is supposed to feel like.
People with money already invested
Often six or seven schemes bought over a decade from different places. Most of the value we add here is subtraction: showing which ones do the same job, on one page.
Referral partners
Accountants, insurance advisers and smaller distributors who want their clients looked after properly without building the operation themselves.
The people
Himani Harsh Shah
CEO · AMFI Registered Mutual Fund Distributor, ARN-200996
H2 Investment is one person. Not a team, not a floor of relationship managers — one distributor who answers the phone. We say so plainly because it is the whole point: you deal with the same person every time, and that person is accountable for what they told you last year.
Based in Sabarmati, Ahmedabad, working with investors across India.
- Five years distributing mutual funds
- More than 200 families served
- Over ₹10 crore invested through us
Figures as at August 2026, confirmed by the CEO. “Invested through us” means money placed into schemes with our help — those assets are held and managed by the fund houses, never by H2 Investment. We publish no performance figures, no returns and no testimonials, because none has been verified and approved for publication.
Talk to us before you decide anything
Tell us what you are trying to do with your money. If we are not the right fit, we will say so on the first call.