Pool of money from many investors, managed by professionals
AMC
Asset Management Company — like DSP, HDFC, SBI. They manage the fund.
NAV
Net Asset Value — price of 1 unit of a mutual fund today
SIP
Systematic Investment Plan — investing a fixed amount every month
Folio
Your unique MF account number — like a bank account for MFs
AUM
Assets Under Management — total money managed by an AMC or MFD
✓
Do This (10 min)
Go to voltmoney.in and read the full homepage. Then write in your own words — "What does Volt Money do?" in 3 lines. This forces your brain to process what you learned.
02
Day 2 · Product
Types of MFs + What is LAMF
To Do▾
▶
Watch (15 min)
Search: "Types of Mutual Funds — Groww" Understand equity vs debt vs hybrid. This is your product's foundation.
Invests in stocks. Higher risk, higher return. LTV = 50%
Debt MF
Invests in bonds. Lower risk, stable return. LTV = 80%
ELSS
Tax saving MF. 3 year lock-in. Eligible for LAMF after 3 years.
LTV
Loan to Value — % of MF value you can borrow
Lien Marking
MF units locked as collateral. NOT sold. Keeps growing.
LAMF
Loan Against Mutual Funds — Volt Money's core product
✓
Your Core Pitch — Memorize This
"Instead of selling your mutual fund and destroying your compounding, pledge it and get a loan in 10 minutes. Your MF keeps growing. You get the cash. No paperwork. No credit score needed."
Practice this pitch out loud 5 times. Record yourself. Listen back. Improve it. This is the sentence that will make every MFD say yes.
03
Day 3 · Customer
Who is an MFD and How They Make Money
To Do▾
▶
Watch (15 min)
Search: "Mutual Fund Distributor kaise bane — Yadnya Investment Academy" Understand who MFDs are, how they earn, and what they fear.
Mutual Fund Distributor — your customer. They sell MFs to investors.
ARN
AMFI Registration Number — MFD's license to sell MFs
Trail Commission
MFD earns % of AUM every year as long as investor stays invested
AMFI
Association of Mutual Funds in India — the regulator for MFDs
Redemption
Client withdrawing their MF — MFD loses trail commission FOREVER
AUM Slab
Commission % changes based on total AUM managed by MFD
✓
MFD Pitch — Your Secret Weapon
"Volt Money protects your AUM. When your client needs cash, instead of redeeming their MF, they borrow against it. You keep your trail commission forever. We pay you the best commission in the market — better than any bank."
This is the single most important pitch you will ever give. An MFD's biggest fear is client redemption. You are solving that fear. Practice this daily.
04
Day 4 · Company
DSP Group + Volt Money Full Picture
To Do▾
▶
Watch (10 min)
Search: "DSP Mutual Fund India" on YouTube. Watch any 10-min video about DSP's history and positioning. Then visit dspim.com and read the About page.
160 year old Indian financial institution. Top 10 AMC in India.
DSP Finance
NBFC arm. Net worth ₹1,413 crore. Capital adequacy 112%.
Acquisition
DSP acquired Volt Money in March 2025. Growth catalyst move.
80,000+
MFD distributors in DSP's network. Your potential reach in Gujarat.
₹665 Crore
Debt raised in Q1FY26 to fund growth. Company is scaling fast.
109 Employees
Volt Money team size as of Aug 2025. You're joining at inflection point.
✓
Do This
Read Volt Money's press release at voltmoney.in/press-release. Find one quote from a founder or investor. Note it down. You'll use this in your first team meeting to show you know the company's origin story.
05
Day 5 · Territory
Gujarat MF Market — Know Your Battlefield
To Do▾
▶
Read (15 min)
Visit cafemutual.com — search "Gujarat MFD" and read 2 articles. This is India's #1 MFD industry news site. Bookmark it. Read one article every morning from today.
"Your AUM is protected when clients use LAMF instead of redeeming"
"Your client stays invested — you earn trail commission forever"
"We pay the best commission vs banks and MF houses"
"10-minute digital process — zero paperwork for you or your client"
"55% of MF investors redeem within 2 years. We stop that."
Record a 2-minute pitch on your phone using these phrases. Listen back. Improve it. Do this 3 times today. Your voice, your confidence, your words.
07
Day 7 · Final
Full Revision + Day 1 Readiness Check
To Do▾
▶
Watch (10 min)
Search: "Loan against mutual funds explained India 2024" Watch any clear explanation of LAMF. This is now YOUR product — make sure you can explain it to anyone.
I know DSP Group's history and Volt Money's acquisition story
I know Gujarat's key MF numbers (₹2.21L Cr AUM, 15 top MFDs)
I have a 2-minute MFD pitch ready and practiced
I have LinkedIn connections with Swarabharavi, Vivek, Parikshit
I read cafemutual.com every morning
I know why MFD selling is different from SaaS selling
I know Volt Money's interest rate (9%), loan range (₹25K–₹5Cr)
DAILY SELF-TEST
Answer these out loud every Day 7. No notes. Pure recall.
1. What is NAV and why does it matter for LAMF?
NAV = Net Asset Value = price of 1 MF unit today. For LAMF, your loan amount = NAV × units held × LTV ratio. Higher NAV = higher loan eligibility.
2. What is trail commission and why is it the MFD's biggest fear?
Trail commission = % of AUM earned by MFD every year client stays invested. If client redeems MF, MFD loses this trail FOREVER. LAMF prevents redemption = protects trail.
3. What is the LTV for equity MF vs debt MF?
Equity MF = 50% LTV. Debt MF = 80% LTV. Means if equity MF is worth ₹10L, you can borrow up to ₹5L. Debt MF worth ₹10L = borrow up to ₹8L.
4. Who acquired Volt Money, when, and why?
DSP Group acquired Volt Money in March 2025. DSP was already a shareholder, saw strong growth in LAMF demand, and acquired to strengthen their retail lending arm — DSP Finance.
5. What is Gujarat's Ahmedabad MF AUM and India rank?
₹2,21,000 crore AUM. Ranked #6 nationally. Fastest growing major Indian city for MF investments. Home to India's #1 MFD — Shagun Sutaria Stock Broking (₹4,842 Cr AUM).
6. What is Volt Money's interest rate and loan range?
Interest rate starts at 9% (range 9%–12% based on profile). Loan range = ₹25,000 to ₹5 crore. Interest charged only on amount withdrawn, not on full credit line.
7. What is your 2-line MFD pitch?
"Volt Money protects your AUM. When your client needs cash, instead of redeeming their MF, they borrow against it. You keep your trail commission forever. We pay best commissions vs any bank."
8. What % of MF investors redeem within 2 years?
55% — as per AMFI data. This is Volt Money's market opportunity. 55% of investors destroy their own compounding by selling too early. LAMF solves this.
9. What is DSP Finance's net worth and capital adequacy?
Net worth = ₹1,413 crore. Capital adequacy ratio = 112.16%. This means the company is extremely well-capitalised — zero risk of financial instability.
10. Name the 3 Volt Money co-founders and their backgrounds.
1) Lalit Bihani — CEO, IIT Delhi, ex-BrowserStack, WhiteHat Jr. Product genius. 2) Bharat Lamba — CBO, IIT Delhi, ex-Bank of America, HSBC (10+ years). Finance expert. 3) Ankit Agarwal — CTO, IIT Delhi. Tech builder. All friends since 2008.