True Investment Services
True Investment Services helps individuals and families make practical financial decisions with honesty, clarity, and responsibility.
Registered Office
Ring Road No. 2, Ayodhaya Nagar, Ameri Chowk, Bilaspur, Chhattisgarh – 495001
True Investment Services — AMFI Registered Mutual Fund Distributor (ARN-281405) & APMI Registered PMS Distributor (APRN08615). Dedicated to disciplined wealth creation and transparent investor servicing.
Registered Office
Ring Road No. 2, Ayodhaya Nagar, Ameri Chowk, Bilaspur, Chhattisgarh – 495001
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AMFI Reg. MFD: ARN-281405 | APMI: APRN08615

Empowering You to Live Life on Your Own Terms

Helping individuals and families make practical decisions with honesty, clarity, and responsibility. Over 20 years of wealth distribution journey managing ₹200+ Crore AUM for 1,500+ investors.
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About True Investment Services
About True Investment Services

Helping Families Make Practical Decisions with Honesty & Clarity

Sanjay Tiwari started with LIC in 2006 and expanded into Mutual Fund distribution in 2008 to help more families participate in long-term wealth creation. Today, True Investment Services manages ₹200+ Crore for 1,500+ investors across India with mathematical clarity, fiduciary ethics, and regular trail transparency.
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Years of Investment Experience
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What We Offer

Comprehensive Wealth Solutions for Every Life Goal

01.

Mutual Fund
Investments

Diversified equity, debt, and hybrid portfolios aligned to your goals, time horizon, and risk profile.
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02.

SIP Planning &
Compounding

Disciplined monthly investing leveraging rupee-cost averaging and annual step-up compounding.
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03.

Retirement &
SWP Cash Flows

Structured retirement corpus accumulation and tax-efficient monthly income cash flow architecture.
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04.

Portfolio Management
Services (PMS)

High-conviction concentrated equity strategies distributed across 10+ top empanelled PMS providers.
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05.

Goal Planning &
Tax Saving (ELSS)

Securing children higher education, marriage, and Section 80C tax optimization with 3-year lock-in.
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Assets Under Management (AUM)
₹ 0 Cr+
Happy Investors
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IAPs Conducted (5,000+ Educated)
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Wealth Products

Curated Financial Products for Long-Term Wealth

AMFI Regulated Equity, Debt & Hybrid
Mutual Funds (Equity, Debt & Hybrid)

Mutual Funds (Equity, Debt & Hybrid)

Diversified equity, debt, and hybrid mutual fund portfolios matched to your goals, time horizon, and risk profile across 35+ top Indian AMCs.
  • Min. ₹500/Mo (SIP)
  • High Liquidity
  • 100% SEBI Regulated
  • Direct Bank Credits
APMI Regulated HNI Solutions
Portfolio Management Services (PMS)

Portfolio Management Services (PMS)

High-conviction concentrated equity strategies of 15–25 stocks with direct demat ownership and audited CA reporting for HNI wealth creation.
  • Min. ₹50 Lakhs (SEBI)
  • Direct Demat Holding
  • APMI Regulated (APRN08615)
  • Focused Stock Alpha
AMFI Regulated Bridge Strategies
Specialised Investment Funds (SIF)

Specialised Investment Funds (SIF)

Differentiated investment strategies, institutional risk governance, and non-traditional alpha generation for experienced, sophisticated investors.
  • Sophisticated Mandates
  • Uncorrelated Alpha
  • Institutional Risk Model
  • Strict Due Diligence
Systematic Growth Rupee Cost Averaging
Systematic Investment Plans (SIP)

Systematic Investment Plans (SIP)

Disciplined monthly investing leveraging mathematical compounding, rupee-cost averaging, and annual step-up options with no lock-in penalties.
  • Automated e-Mandates
  • Rupee-Cost Averaging
  • Zero Exit Penalties
  • Annual Step-Up Option
Our Investment Process

How We Construct & Manage Your Wealth

Step - 01

Discovery & Goal Setting

Process
Step - 02

Portfolio Recommendation

Process
Step - 03

Digital Onboarding/Execution

Process
Step - 04

Monitoring & Review

Process
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Our Team

Meet Our Leadership & Relationship Team

20 Years Track Record

Build your family's multi-generational wealth today.

AMFI & APMI registered distribution desk in Bilaspur, Chhattisgarh.
Contact Desk
Sanjay Tiwari
Founder & Senior Partner (CFP)

Sanjay Tiwari

EUIN: E619628
Garvita Tiwari
Partner

Garvita Tiwari

Strategic Operations
Arighn Tiwari
BDM & GRO

Arighn Tiwari

EUIN: E530161
Frequently Asked Questions

Common Questions About Our Services

We are an AMFI Registered Mutual Fund Distributor (ARN-281405) and APMI Registered PMS Distributor (APRN08615). We help clients identify suitable mutual funds, assist with paperless onboarding via MFU/Wealth Elite, execute transactions, and provide continuous portfolio servicing.
We operate under the SEBI-mandated 100% trail commission model paid directly by Asset Management Companies (AMCs) from the scheme's Total Expense Ratio (TER). We charge zero upfront transaction fees to our investors.
Your investment funds are transferred directly from your bank account to the SEBI-regulated AMC/Custodian (like CAMS or KFintech). Distributors never hold investor funds or issue units directly, ensuring absolute institutional safety.
All clients get 24/7 access to the Wealth Elite portfolio mobile app (Android and iOS) and web login portal for live valuation, capital gains reports, and family consolidation.
FAQ

Have Any Questions on Wealth Planning?

+91 98261 77391 Contact Us
True Investment Services
AMFI Registered Mutual Fund Distributor
AMFI Registered Mutual Fund Distributor (281405) — Date of Registration: 29-Nov-2023 | Validity: 28-Nov-2029
AMFI Registered SIF Distributor (ARN-281405) — Date of Registration: 18-April-2026 | Validity: 17-April-2029
APMI Registered PMS Distributor (APRN08615) — Date of Registration: 25-Jun-2025 | Validity: 04-Jun-2028

Risk Factors — Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the exit loads and other cost structure (TER) applicable at the time of making the investment decision. True Investment Services deals in Regular Plans only for Mutual Fund Schemes and earns a trailing commission on client investments. Disclosure of commission earnings is made to clients at the time of investments. Option of Direct Plan is available to investors offering lower expense ratio. We are not entitled to earn any commission on Direct Plans.

SIF / AIF Disclaimer — Investments in Specialised Investment Funds (SIF) or Alternative Investment Funds (AIF) are subject to market risks, including the possible loss of the principal amount invested. These funds are generally illiquid, entail higher risks than traditional mutual funds, and are intended for sophisticated investors only. Minimum investment in SIF: Rs. 10 Lakhs. Minimum investment in AIF: Rs. 1 Crore. Investors are strictly advised to read the Scheme Information Document (SID), Private Placement Memorandum (PPM), term sheet, and all associated risk disclosure documents carefully before investing. Past performance is not indicative of future returns.

PMS Disclaimer — Investments in Portfolio Management Services (PMS) products are not guaranteed or assured and returns are not being offered. Past performance of the portfolio manager is not an indicator of future results. All investments are subject to market risks, and investors must be aware that returns can be volatile and are not guaranteed. Minimum investment in PMS: Rs. 50 Lakhs. Please read the PMS Disclosure Document carefully before investing.

True Investment Services makes no warranties or representations, express or implied, on products offered through the platform of True Investment Services. We provide incidental distribution services only. For investment advice, please consult a SEBI-registered Investment Adviser. True Investment Services accepts no liability for any damages or losses, however caused, in connection with the use of, or reliance on, its products or related services. Investments in securities markets are subject to market risks — read all related documents carefully before investing.
True Investment Services operates in compliance with SEBI, AMFI, APMI regulations. © 2026 True Investment Services — All Rights Reserved.