Investments & Mutual Fund Distribution
47+ years guiding your investment journey.
I'm Hukmi Chand Sharma — an independent Mutual Fund Distributor who spent nearly four decades inside prominent banks, as Branch Head, Business Banking Credit Head, and Technology In-Charge. For the last 8 years, I've brought that institutional grounding directly to individual investors.
Mutual fund investments & SIPs · Home loans & EMI planning · Retirement & education planning · NRI investment guidance
CAIIB (Indian Institute of Bankers) · B.Com · M.Com, Rajasthan University
Branch Banking Across India
Branch Head at various cities across India, rising from Assistant to Chief Manager (Scale IV).
Business Banking Credit Head
Business Banking Branch Head (Credit Head) for key clusters, continuing after an institutional merger.
Independent Mutual Fund Distributor
Working directly with individuals and families.
AMFI-certified Mutual Fund Distributor
NPS Distributor of HDFC Pension — Agent Code: AEAPS8284E00144642
Fifteen years inside the systems banks run on
Long before I distributed a single fund, I was responsible for the software your bank statements and transactions actually move through.
hands-on on Finacle, the core banking software most Indian banks run on — I understand how money actually moves through the system, not just how a scheme performs on paper.
as IT In-Charge, troubleshooting and monitoring partially computerized branches during the years Indian banking first shifted onto core systems.
Certified Associate of the Indian Institute of Bankers, Mumbai — India's benchmark professional banking qualification.
Certified in each, from System School of Computing, Jaipur, and CMC Ltd — the technical and financial sides of banking were never separate for me.
Where I can help
A few areas where institutional banking experience — not just fund knowledge — tends to matter most.
Mutual fund investments & SIPs
A structured plan of SIPs and lump-sum mutual fund investments matched to your goals and how much risk actually lets you sleep at night — reviewed regularly, not left on autopilot.
Access to 9 leading fund houses, including ICICI Prudential, SBI, HDFC, and Axis Mutual Fund.
Home loans & EMI planning
Thinking through a home loan alongside your investments — informed by years spent appraising, disbursing, and supervising credit as a Business Banking Credit Head.
Retirement & children's education
Two of the biggest, most time-sensitive goals most families plan for — mapped out early enough that the numbers stay realistic.
Guidance for NRIs
Help navigating NRE/NRO accounts, repatriation rules, and building an India-based investment plan from wherever you're currently living.
Why thirty-nine years inside banking — and its systems — actually matters here
Most people distributing mutual funds have only ever sold mutual funds.
I've sat on the other side of a loan file
As a Business Banking Credit Head, I appraised, disbursed, and supervised credit for years — I can talk through a home loan or EMI decision with the same fluency as a SIP recommendation.
I've watched banking go digital from the inside
Five years as IT In-Charge and fifteen years hands-on on Finacle mean I've seen banking's systems evolve first-hand, not read about it.
I was trained to explain, not to close a sale
As a CAIIB-qualified banker who later trained newly recruited officers at IFBI-NIIT, explaining things clearly has always been part of the job.
How we'd work together
A simple, unhurried process — no pressure to decide on the first call.
A conversation
About your goals, your current investments, and what's actually keeping you up at night financially.
A plan in plain language
Written down, with reasoning you can follow — no jargon, no fine print you're expected to just trust.
Setup, handled digitally
KYC and onboarding done online, so you can get started without a stack of paperwork.
Ongoing reviews
Regular check-ins as your income, goals, or life circumstances change.
Recent thinking
Short, plain-language notes on planning your money — no return predictions, just how to think about it.
How Much Home Loan EMI Is Actually Comfortable?
A framework for sizing your EMI against your goals — not just what the bank is willing to approve.
Read moreWhat Fifteen Years on Core Banking Software Taught Me
Why understanding how banking systems actually work changes how I explain your money to you.
Read moreNRE vs NRO: What Actually Changes for Your Investments
The practical differences that matter once you're actually ready to invest from abroad.
Read moreRegistered & empanelled with
Mutual Fund Distributor since 2018 — ARN-144642, EUIN-E127993.
NPS Distributor with HDFC Pension — Agent Code: AEAPS8284E00144642
Let's talk
A first conversation costs nothing and doesn't commit you to anything.
Phone / WhatsApp
Languages
Hindi, English