Sharma Wealth Advisors

Business overview

This Month 3 Months 6 Months 12 Months FY 2026-27

Total AUM

₹6.02 Cr

+5.6%₹31.93 L growth · 3 Months

Trail Income

₹39.8 K

+5.7%Monthly recurring income

Active Clients

120

+4 · 3 Months116 at start of period

SIP Book

₹6.15 L/month

+6.6%109 active SIPs

Net Inflow

₹54.34 L

3 Months₹64.36 L gross inflow

Client Retention

99.1%

3 Months rolling

AUM Growth

Track the growth of your distribution book

AUM Net Flow Both

Opening AUM

₹5.70 Cr

Net Flows

₹54.34 L

Market Movement

₹-22.41 L

Closing AUM

₹6.02 Cr

Where did AUM growth come from?

Organic money vs. market movement

Opening AUM

₹5.70 Cr

New SIP

+₹18.31 L

Lumpsum

+₹46.05 L

Redemptions

Net Flows

Money entering vs leaving the distribution book

Gross inflowRedemptions

Gross Inflows

₹64.36 L

Redemptions

₹10.02 L

Net Flow

₹54.34 L

Net Flow / Gross Inflow

84%

SIP Health

Active SIPs

109

Monthly SIP Book

₹6.15 L

New SIPs

Stopped SIPs

SIP Persistence

96.6%

Monthly SIP Book

New vs Stopped SIPs

NewStopped

Recurring Revenue

Monthly trail commission trend

Current Monthly Trail

₹39.8 K

Annualized Trail Run Rate

₹4.77 L

YoY Growth

+51.9%

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%	₹36.95 L	₹2.9 K
PPFAS Equity Fund PPFAS Mutual Fund	Equity	1.07%	₹29.72 L	₹2.6 K
HDFC Equity Fund HDFC Mutual Fund	Equity	1.17%	₹19.58 L	₹1.9 K
Aditya Birla Sun Life Equity Fund Aditya Birla Sun Life Mutual Fund	Equity	1.05%	₹20.56 L	₹1.8 K
Kotak Mahindra ELSS Fund Kotak Mahindra Mutual Fund	ELSS

Client Growth

New Clients

Clients Lost

Net Client Growth

Retention

95.9%

Active clients over time

Client segmentation by AUM

Below ₹1L12

₹1L–₹5L59

₹5L–₹25L49

Above ₹25L0

Asset Allocation

Equity35%

Debt23%

ELSS14%

Hybrid11%

Liquid9%

Other8%

AUM by AMC

PPFAS Mutual Fund₹74.65 L

Motilal Oswal Mutual Fund₹70.93 L

Aditya Birla Sun Life Mutual Fund₹68.79 L

SBI Mutual Fund₹60.61 L

HDFC Mutual Fund₹56.24 L

ICICI Prudential Mutual Fund₹55.42 L

Average AUM / Client

₹5.02 L

Average Trail / Client

₹331/mo

SIP Penetration

81%

12M Client Retention

95.9%

12M SIP Persistence

96.6%

Net Flow / AUM

9.0%

AUM Concentration — Top 10

20.8%

Top AMC Concentration

12.4%

Needs Attention

Clients and accounts worth a follow-up

Client	Issue	Value
Anjali Reddy	SIP stopped	₹9,000/month
Amit Iyer	Large redemption	₹3.0 L
Rohit Rao	KYC pending	₹3.5 L AUM
Manish Singh	KYC pending	₹7.2 L AUM
Deepa Mehta	KYC pending	₹6.0 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 52.9% over the last 12 months.

Trail income has grown faster than client count.

Net flows were positive in 12 of the last 12 months.

SIP book has increased 30.0% YoY.

Top 10 clients represent 20.8% of total AUM.

Equity represents 35% of total AUM.

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.

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Scheme