Cambridge Wealth is an AMFI-registered Mutual Fund & SIF Distributor working with NRIs structuring India holdings. Its goal-linked allocation process organises scheme information around your stated goals, timelines, liquidity needs and cross-border constraints, covering mutual funds, SIFs and — subject to eligibility and minimums — PMS and AIF categories. Portfolio analysis and drift correction show where current weights sit against the allocation you set, and documentation support covers NRE/NRO records, FATCA/CRS declarations, tax residency and Form 10F.
Structure decisions come before scheme decisions: which route, which account holds what, and how much of the portfolio one position has quietly become.
The route is the first decision, not the last. Whether India exposure sits in mutual funds and SIFs, a PIS-routed equity account, or a PMS mandate changes the tax treatment, the reporting burden and the repatriation path — before a single scheme is compared.
A structured review of India-side holdings for scheme overlap, single-name concentration and total portfolio liquidity. Duplicated exposure across several schemes increases concentration rather than adding diversification, and it is not visible from individual scheme statements read on their own.
Where market movement has pulled weights away from your intended allocation, what realigning would involve inside the relevant scheme mandates, and what the transaction cost and tax consequence of closing the gap would be. The decision stays with you.
PMS from a ₹50 lakh regulatory minimum, SIFs from ₹10 lakh, AIFs from ₹1 crore for an ordinary investor. Eligibility is established first, then the structural differences — mandate, reporting, exit terms — that separate them from a mutual fund holding.
NRE interest is exempt while NRI status holds and NRO interest is taxed at source, so account placement is a structural decision rather than an administrative one. Mapping holdings to the right account is part of setting the structure.
FATCA/CRS declarations, tax-residency documents, Form 10F and PIS reporting coordinated across the intermediaries involved, so two non-aligned financial years do not become two separate reconstruction exercises.
Most NRI portfolios are not designed so much as accumulated — a fund bought on a visit home, an FD rolled over out of habit, a demat account opened before the move. Structure is what turns that into something answerable to a goal. Cambridge Wealth's goal-linked allocation process starts from your stated goals, timelines and liquidity needs, sets an asset allocation framework against them, and organises scheme information around that framework, including which account should hold what. Every scheme considered passes a documented 108-point research review across 5,000+ Indian investment products. You get portfolio analysis and drift correction showing where weights sit against the allocation you set, and written disclosure of how Cambridge Wealth is compensated. The decisions remain yours.
What a goal-linked allocation process looks like from the first conversation onward.
"I was facing issues managing my portfolio regularly on an excel with investments across different assets without a definitive approach. Cambridge Wealth has helped me significantly get my entire portfolio in a structured manner with well researched solutions behind each of the choices that we made, improving my overall portfolio..."
"Loved the experience with the CW team. They've been prompt in responding to all my financial queries along with getting my taxation done with their team. Their app has been great in terms of getting a quick insight over my portfolio. Would highly recommend!"
"The team at Cambridge Wealth always invests a huge amount of their time during every consultation and gets to the bottom of my needs. They are extremely knowledgeable in this field and help me and my wife understand all the complexities easily. Personal approach and understanding in managing our finances..."
"I have been a customer of Cambridge since its inception and I have always been completely satisfied with the service received. The advisors have always come up with appropriate solutions for all my investment queries."
"I would recommend Cambridge Wealth to anyone. They listened to my requirements and then came back to me with all my options. The advice was clear and tailored to my own circumstances"
"I was facing issues managing my portfolio regularly on an excel with investments across different assets without a definitive approach. Cambridge Wealth has helped me significantly get my entire portfolio in a structured manner with well researched solutions behind each of the choices that we made, improving my overall portfolio..."
"Loved the experience with the CW team. They've been prompt in responding to all my financial queries along with getting my taxation done with their team. Their app has been great in terms of getting a quick insight over my portfolio. Would highly recommend!"
"The team at Cambridge Wealth always invests a huge amount of their time during every consultation and gets to the bottom of my needs. They are extremely knowledgeable in this field and help me and my wife understand all the complexities easily. Personal approach and understanding in managing our finances..."
"I have been a customer of Cambridge since its inception and I have always been completely satisfied with the service received. The advisors have always come up with appropriate solutions for all my investment queries."
"I would recommend Cambridge Wealth to anyone. They listened to my requirements and then came back to me with all my options. The advice was clear and tailored to my own circumstances"
"I was facing issues managing my portfolio regularly on an excel with investments across different assets without a definitive approach. Cambridge Wealth has helped me significantly get my entire portfolio in a structured manner with well researched solutions behind each of the choices that we made, improving my overall portfolio..."
"Loved the experience with the CW team. They've been prompt in responding to all my financial queries along with getting my taxation done with their team. Their app has been great in terms of getting a quick insight over my portfolio. Would highly recommend!"
"The team at Cambridge Wealth always invests a huge amount of their time during every consultation and gets to the bottom of my needs. They are extremely knowledgeable in this field and help me and my wife understand all the complexities easily. Personal approach and understanding in managing our finances..."
"I have been a customer of Cambridge since its inception and I have always been completely satisfied with the service received. The advisors have always come up with appropriate solutions for all my investment queries."
"I would recommend Cambridge Wealth to anyone. They listened to my requirements and then came back to me with all my options. The advice was clear and tailored to my own circumstances"
Research-led scheme information, organised around your goals and disclosed in writing.
A documented 108-point research framework evaluates 5,000+ Indian investment products on quantitative and qualitative factors before a scheme enters the research universe.
Onboarding documentation is handled digitally and calls are scheduled around your time zone, so being outside India changes the logistics rather than the options.
The Founder's Portfolio publishes the CIO's own allocation and quarter-by-quarter changes from 2008 onward, across several market cycles.
An AMFI-registered Mutual Fund & SIF Distributor, ARN-172841, providing remuneration disclosures in writing so you know how it is compensated before you transact.
Specialists across research, taxation, compliance, technology and service.
Chief Investment Officer
Chinmay Kulkarni serves as the Chief Investment Officer at Cambridge Wealth, bringing a philosophy rooted in personal accountability and shared financial journeys. With over 15 years of cumulative expertise in wealth management, Chinmay leads investment strategy with a fiduciary commitment that places client interests above all else. He champions complete transparency through the Founder's Portfolio, openly sharing his own investments and research with clients. His approach is built on the belief that no strategy belongs in a client's portfolio unless it's worthy of his own family's future. Chinmay's leadership has helped Cambridge Wealth administer over ₹15,000 crore in assets, delivering research-backed, tailored wealth solutions to high-performing professionals and NRIs across India and globally.
Investment and Taxation Lead
Mihir Jagtap is the Investment and Taxation Lead at Cambridge Wealth, playing a critical role in ensuring clients' investment decisions are structured for maximum tax efficiency. With deep expertise in Indian and international tax regulations, Mihir advises on the regulatory implications of complex financial strategies, particularly for NRIs and globally mobile professionals. He works closely with the investment and compliance teams to craft holistic wealth plans that are both growth-oriented and tax-conscious. Mihir's contributions ensure that Cambridge Wealth's clients benefit from strategies that are not only high-performing but also fully aligned with applicable legal and regulatory frameworks, helping preserve and grow wealth across generations.
Investment and Business Lead
Sangeeta Bhagwat serves as a Investment and Business Lead at Cambridge Wealth, specializing in tracking macroeconomic indicators, global market conditions, and sector-level trends to inform the firm's strategic investment positioning. Her work ensures that Cambridge Wealth's portfolios remain agile and well-positioned in response to shifting market dynamics. Sangeeta contributes directly to the firm's 48-point research framework, providing the macro-level intelligence that underpins tailored wealth strategies for clients. Her insights help the investment team identify opportunities and manage risks across diverse asset classes, supporting the firm's commitment to delivering diversified, long-term growth for professionals, NRIs, and families seeking comprehensive wealth management solutions.
Investment and Customer Service Lead
Leads direction for investment product strategy and data/AI-led innovation.
Product and Data + AI Lead
Chinmay Phadke is the Product and Data + AI Lead at Cambridge Wealth, responsible for defining the product vision and roadmap for the firm's technology platforms. He bridges the gap between client needs, business strategy, and technical execution, ensuring that Cambridge Wealth's digital tools evolve in ways that genuinely serve users. Chinmay coordinates across design, development, and operations teams to prioritize features and improvements that enhance the overall client experience. His product thinking is guided by the firm's core values of transparency and performance, ensuring that every platform update brings clients closer to their financial goals. Chinmay's leadership ensures that Cambridge Wealth's technology remains competitive, scalable, and client-centric.
Yes, subject to SEBI, RBI, FEMA, KYC and product-specific requirements, with the route and repatriation treatment depending on your residency and account structure. The regulatory minimum investment for PMS is ₹50 lakh, which is what makes it a threshold question rather than a default one.
Speak with our team for scheme information and clear next steps.
Registered credentials, ARN-172841.
APMI Registration No.: APRN-01683.
ISO 9001 certified as a Mutual Fund Distributor.
Share your goals, timelines and current India-side holdings. Our team will walk you through the scheme categories open to you and the documentation each one needs.
For immediate assistance, feel free to give us a direct call at +91 72193 68995. You can also send us a quick email at support@cambridgewealth.in.
For immediate assistance, feel free to give us a direct call at +91 72193 68995. You can also send us a quick email at support@cambridgewealth.in.
