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years of
experience

20+

welcome to White Turtle Consulting

Building Trust Through
Financial Expertise

At White Turtle Consulting, we combine experience and innovation to deliver accounting, compliance, and advisory services that empower businesses to grow with confidence.

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Trusted Expertise Since 2018 Technology-Driven Financial Solutions

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Founder & Co Founder

Kapil Makkar

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Happy Clients

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Years Of Experience

Team Members

what we”re offering

We provide the best services
for financial and market success

Why Choose Us

Your trusted partner
for business success

We provide expert business solutions designed to help your company grow and succeed. Our services are tailored to meet your unique needs, ensuring effective and practical results. With years of proven experience, we deliver strategies that drive measurable success.

Tailored Strategies

Customized solutions to meet your unique business needs.

Proven Expertise

Years of experience helping clients achieve measurable results.

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how it works

our working process

work process
step

Consultation

Book a free consultation call or meeting with our experts.

work process
step

Strategy Planning

We analyze your needs and create a customized business strategy.

work process
step

Implementation

Our team executes the plan with precision and regular updates.

work process
step

Results & Growth

You achieve measurable results and long-term business growth.

FAQ

frequently Asked
Questions ?

Introduction to Mutual Funds
What is a mutual fund?
A mutual fund pools money from investors and invests it in a diversified portfolio managed by professionals.
How do mutual funds generate returns?
Returns come from capital appreciation, dividends, and interest income from the underlying investments.
What types of mutual funds are available?
Equity funds, debt funds, hybrid funds, index funds, ETFs, liquid funds, sector/thematic funds, and solution-oriented funds.
What is an AMC?
An Asset Management Company manages and operates mutual fund schemes.
What is NAV?
NAV (Net Asset Value) is the per-unit value of a mutual fund.
Who is a Fund Manager?
A professional who manages the fund’s investments.
What is a SIP?
A Systematic Investment Plan allowing periodic investments.
What is a lump-sum investment?
A one-time large investment into a scheme.
Which is better—SIP or lump sum?
SIP suits regular investing; lump sum works best during stable markets.
How do I start investing in mutual funds?
Complete KYC, choose a fund, and invest online or via an AMC.
Risk, Safety & Regulation
Are mutual funds risky?
Yes, but diversification helps manage risk.
Are mutual funds regulated?
Yes, by SEBI.
Can I lose money in mutual funds?
Yes, mutual funds are market-linked.
Which mutual funds are safer?
Liquid and short-duration debt funds.
What is the riskometer?
A SEBI tool showing the risk level of funds.
SIP-Related Questions
Can I increase or decrease my SIP amount?
Yes, anytime.
What if I miss an SIP installment?
The SIP continues unless multiple installments are missed.
Do SIPs guarantee returns?
No, returns are market-linked.
Can I have multiple SIPs in one fund?
Yes.
How long should I continue my SIP?
Until your financial goal is reached.
Investment & Redemption
Can I withdraw anytime?
Yes, except ELSS which has a 3-year lock-in.
How long does redemption take?
1–3 business days.
What is an exit load?
A fee charged for early withdrawal.
What is a lock-in period?
A period during which investment cannot be withdrawn.
Can I switch between schemes?
Yes, but taxes and charges may apply.
Costs & Charges
What is the expense ratio?
An annual fee charged for fund management.
Are there hidden charges?
No, all charges are disclosed.
What is the difference between Direct & Regular Plan?
Direct plans have a lower expense ratio; regular plans involve a distributor.
Taxation
How are equity mutual funds taxed?
STCG: 15%. LTCG: Tax applies above ₹1 lakh.
How are debt mutual funds taxed?
As per your income tax slab.
Are SIPs taxable?
Yes, each SIP installment is treated separately for taxation.
Do mutual funds offer tax benefits?
Yes, ELSS funds qualify under Section 80C.
Miscellaneous
What documents are required?
PAN, Aadhaar, bank details, and KYC.
Can NRIs invest in mutual funds?
Yes, with FEMA compliance.
What is KYC?
A mandatory identity verification process.
Can I hold mutual fund units in a Demat account?
Yes, it is optional.
Corporate & Partnership Firm Mutual Fund FAQs
Can a company or partnership firm invest in mutual funds?
Yes. Companies, partnership firms, LLPs, societies, and trusts can invest in mutual funds as per SEBI guidelines.
What documents are required for a company to invest?
Certificate of Incorporation, MOA/AOA, Board Resolution, PAN, KYC documents, list of authorized signatories, bank mandate, FATCA/UBO declaration.
What documents are required for a partnership firm or LLP?
Partnership deed/LLP agreement, registration certificate, PAN, list of partners, KYC documents, FATCA/UBO forms, bank details.
Can a company or firm invest through SIP?
Yes, corporates can invest through SIP via NACH mandates or cheques.
Can a company invest in ELSS funds?
Corporates can invest but cannot claim tax benefits under Section 80C.
Are mutual funds tax-efficient for companies?
Equity and debt funds are taxed as per corporate tax rules. Gains are added to business income.
How does a company complete KYC?
By submitting verified corporate documents to KRA along with UBO details.
What is a UBO declaration?
A form identifying individuals who ultimately control the company, as per AML norms.
Can companies invest online?
Yes, after completing corporate KYC.
Can a company invest in liquid funds?
Yes, liquid funds are widely used for treasury management.
Are there lock-in periods for corporate investments?
No, unless the scheme itself has a lock-in (e.g., ELSS).
Can a company redeem anytime?
Yes, subject to exit load if applicable.
What is the minimum investment amount?
Usually ₹5,000 for lump sum and ₹1,000–5,000 for SIP depending on the AMC.
Can multiple directors operate the mutual fund account?
Yes, as authorized through board resolution.
Does the company need a separate bank account?
Yes, investments and redemptions must be done using the firm's official bank account.
Are mutual fund investments business assets?
Yes, they are recorded as “Investments” on the balance sheet.
How are capital gains taxed for companies?
Capital gains are added to business income and taxed as per corporate tax rates.
Can a company pledge mutual fund units?
Yes, mutual fund units can be pledged as collateral for loans subject to lender approval.
Can companies opt for SWP?
Yes, systematic withdrawal plans are allowed.
Can foreign companies or NRI-owned firms invest?
Yes, subject to FEMA rules and necessary KYC compliance.
Can dissolved firms redeem investments?
Yes, after providing legal dissolution documents.
Can a company invest in sector or high-risk funds?
Yes, if allowed under their investment policy.
Do companies get tax deductions?
No Section 80C benefits are available for corporates.
Is PAN mandatory?
Yes, PAN is mandatory for all corporate investors.
What are the advantages of mutual funds for corporates?
Higher returns than savings accounts, liquidity, diversification, and professional fund management.
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