Sharma Wealth Advisors
Business overview
Total AUM
₹6.10 Cr
+61.9%₹2.33 Cr growth in 12 months
Trail Income
₹40.1 K
+61.3%Monthly recurring income
Active Clients
120
+1 this month119 last month
SIP Book
₹6.27 L/month
+37.2%111 active SIPs
Net Inflow
₹38.49 L
This month₹39.24 L gross inflow
Client Retention
96.8%
12-month rolling
Opening AUM
₹5.51 Cr
Net Flows
₹58.63 L
Market Movement
₹1.08 L
Closing AUM
₹6.10 Cr
Where did AUM growth come from?
Organic money vs. market movement
Opening AUM
₹5.51 Cr
New SIP
+₹18.23 L
Lumpsum
+₹50.26 L
Redemptions
₹-9.86 L
Market movement
+₹1.08 L
Closing AUM
₹6.10 Cr
Net Flows
Money entering vs leaving the distribution book
Gross inflowRedemptions
Gross Inflows
₹68.49 L
Redemptions
₹9.86 L
Net Flow
₹58.63 L
Net Flow / Gross Inflow
86%
SIP Health
Active SIPs
111
Monthly SIP Book
₹6.27 L
New SIPs
+4
Stopped SIPs
0
SIP Persistence
97.7%
Monthly SIP Book
New vs Stopped SIPs
NewStopped
Recurring Revenue
Monthly trail commission trend
Current Monthly Trail
₹40.1 K
Annualized Trail Run Rate
₹4.81 L
YoY Growth
+61.3%
Average Trail / ₹Cr AUM
₹6.6 K
Annualized run-rate = current monthly trail × 12 — not actual trailing 12-month income.
Brokerage by Scheme
Which schemes actually produce the most recurring income — trail rates vary scheme to scheme, not just by AUM
| Scheme | Category | Trail Rate | AUM | Monthly Brokerage |
|---|---|---|---|---|
Motilal Oswal Equity Fund Motilal Oswal Mutual Fund | Equity | 0.94% | ₹36.10 L | ₹2.8 K |
PPFAS Equity Fund PPFAS Mutual Fund | Equity | 1.07% | ₹29.10 L | ₹2.6 K |
Aditya Birla Sun Life Equity Fund Aditya Birla Sun Life Mutual Fund | Equity | 1.05% | ₹22.16 L | ₹1.9 K |
HDFC Equity Fund HDFC Mutual Fund | Equity | 1.17% | ₹19.41 L | ₹1.9 K |
Kotak Mahindra ELSS Fund Kotak Mahindra Mutual Fund | ELSS | 1.14% | ₹17.98 L | ₹1.7 K |
ICICI Prudential Equity Fund ICICI Prudential Mutual Fund | Equity | 1.17% | ₹17.12 L | ₹1.7 K |
SBI Equity Fund SBI Mutual Fund | Equity | 0.76% | ₹24.94 L | ₹1.6 K |
Mirae Asset Equity Fund Mirae Asset Mutual Fund | Equity | 0.93% | ₹18.86 L | ₹1.5 K |
Client Growth
New Clients
+2
Clients Lost
0
Net Client Growth
+2
Retention
96.8%
Active clients over time
Client segmentation by AUM
Below ₹1L10
₹1L–₹5L61
₹5L–₹25L49
Above ₹25L0
Asset Allocation
Equity35%
Debt24%
ELSS15%
Hybrid10%
Liquid9%
Other8%
AUM by AMC
Aditya Birla Sun Life Mutual Fund₹79.84 L
Motilal Oswal Mutual Fund₹76.27 L
PPFAS Mutual Fund₹72.16 L
SBI Mutual Fund₹59.53 L
HDFC Mutual Fund₹55.12 L
Mirae Asset Mutual Fund₹54.50 L
ICICI Prudential Mutual Fund₹54.41 L
Nippon India Mutual Fund₹53.49 L
Kotak Mahindra Mutual Fund₹53.46 L
Axis Mutual Fund₹51.60 L
Average AUM / Client
₹5.09 L
Average Trail / Client
₹334/mo
SIP Penetration
82%
12M Client Retention
96.8%
12M SIP Persistence
97.7%
Net Flow / AUM
9.6%
AUM Concentration — Top 10
21.0%
Top AMC Concentration
13.1%
Needs Attention
Clients and accounts worth a follow-up
| Client | Issue | Value | Action |
|---|---|---|---|
| Rohit Rao | KYC pending | ₹3.4 L AUM | |
| Manish Singh | KYC pending | ₹7.0 L AUM | |
| Deepa Mehta | KYC pending | ₹5.7 L AUM | |
| Pooja Joshi | KYC pending | ₹5.0 L AUM | |
| Deepa Gupta | SIP bounce | ₹6,000/month | |
| Priya Malhotra | SIP bounce | ₹7,000/month | |
| Meera Iyer | SIP bounce | ₹7,000/month |
Insights
AUM has grown 61.9% over the last 12 months. (On track)
Trail income has grown faster than client count. (On track)
Net flows were positive in 12 of the last 12 months. (On track)
SIP book has increased 37.2% YoY. (On track)
Top 10 clients represent 21.0% of total AUM. (On track)
Equity represents 35% of total AUM. (On track)
PPFAS ELSS Fund pays the highest trail rate (1.2%) among ELSS funds — worth checking it isn't being favoured over similar peers on commission alone. (Worth watching)