Skip to main content
TEAM4

AMFI-RegisteredARN-162936

Invest with clarity.
Plan with confidence.

Straight answers, steady guidance, and someone who picks up the phone - with you at every step.

Start Your Investment JourneyFree Portfolio Review

Already investing with us? Client Login — access your investments and portfolio.

  • AMFI-Registered Mutual Fund Distributor
  • Based in Manimajra, Chandigarh
  • Serving the Tricity and NRI investors

Talk to an investment expert

Share a few details and our team will call you back. No obligation, no jargon.

We never ask for your PAN, Aadhaar, bank account details, passwords or OTPs through this form. By submitting, you agree to be contacted about your enquiry and accept our privacy policy.

Our Team

The people behind TEAM4 Finvest

A small, accessible team you can actually reach - for a first conversation or a decade of reviews.
  • Manohar Singh Negi

    Manohar Singh Negi

    Founder

  • Harendra Singh Negi

    Harendra Singh Negi

    VP - Marketing

  • Pawan Singh

    Pawan Singh

    VP - Operations

  • AMFI RegisteredRegistered mutual fund distributor, ARN-162936
  • Client-first approachYour goals set the plan, not a product of the month
  • Transparent guidancePlain-language explanations, including the risks
  • Accessible supportCall, WhatsApp or visit the office in Manimajra

Investment Solutions

Support for every stage of your financial journey

From your first SIP to a full portfolio review, we help you decide what to do next - and explain why.

  • Systematic Investment Plans

    Invest a fixed amount every month, stay consistent through market ups and downs, and let time do the heavy lifting.

    Start a SIP

  • Mutual Fund Investments

    Equity, debt and hybrid schemes across categories, selected to match your time horizon and comfort with risk.

    Discuss Your Goals

  • Portfolio Review

    A structured, no-obligation look at what you already hold - overlaps, gaps, and whether it still matches your goals.

    Request a Free Portfolio Review

  • Goal-Based Investment

    Attach every investment to a purpose - education, retirement, a home - so you always know what the money is for.

    Plan a Goal

  • Tax Planning

    Understand ELSS, holding periods and how mutual fund gains are taxed - so tax decisions are made calmly, not in March.

    Discuss Tax Planning

  • NRI Investment

    Invest in Indian mutual funds from abroad, with clear guidance on NRE/NRO accounts, KYC and documentation.

    Explore NRI Investment

SIP Calculator

See what a monthly SIP could look like

Move the sliders to see how the instalment, the duration and the assumed rate of return change the illustration. Returns are market-linked and are never guaranteed.
₹10,000₹500₹2,00,000
15 years140
12%130

Illustrative result

₹50,45,760

Total value after 15 years

  • Invested amount₹18,00,000
  • Estimated returns₹32,45,760
Start a SIP

Try the full calculator suite

This calculator is an illustrative tool. It uses a constant assumed rate of return and does not predict or guarantee actual results. Mutual fund returns are market-linked and will vary. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

Why time matters

The longer you stay invested, the more of the work compounding does

Adjust the instalment and the assumed rate of return to see how the balance shifts between what you put in and what growth adds.
Monthly investment

₹8.2 L

₹23.2 L

₹50.5 L

₹99.9 L

₹1.9 Cr

₹3.5 Cr

5 yrs

10 yrs

15 yrs

20 yrs

25 yrs

30 yrs

What you investWhat growth adds

At ₹10,000 a month and an assumed 12% return, roughly 90% of the 30-year total comes from growth rather than from your own contributions. That share is small in the early years and grows the longer you stay invested - which is why time in the market tends to matter more than the size of the first instalment.

This calculator is an illustrative tool. It uses a constant assumed rate of return and does not predict or guarantee actual results. Mutual fund returns are market-linked and will vary. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

Why TEAM4 Finvest

Guidance for every stage of your financial journey

Investing is a long relationship. We have built ours around being clear, available and honest about what markets can and cannot do.
More about us

  • Personalised guidance

    We start with your goals, income and timelines - not with a scheme list. The plan is built around your situation.

  • A long-term approach

    We plan for years, not quarters, and we will tell you when doing nothing is the better decision.

  • Transparent communication

    Costs, lock-ins and risks are explained before you invest, in language you should not need a finance degree to follow.

  • Investor education

    We would rather you understood why a plan works than simply agreed to it. Our insights section is written with that in mind.

  • Easy to reach

    Call, WhatsApp, email or walk into the office in Manimajra. NRI clients are supported across time zones.

  • Client-first philosophy

    A free portfolio review with no obligation, because useful work is a better introduction than a sales pitch.

How It Works

Four steps, no jargon

A straightforward process from the first conversation to an invested, reviewed portfolio.
  1. 1

    Understand your goals

    A conversation about what you are investing for, when you will need the money, and how much fluctuation you can live with.

  2. 2

    Choose an investment approach

    We map scheme categories to each goal and timeline, and explain the trade-offs before anything is committed.

  3. 3

    Start investing

    KYC, documentation and registration handled end to end, so the first instalment goes out correctly.

  4. 4

    Review and grow

    Periodic reviews as your income, goals and timelines change - and a step-up when you are ready for one.

Start Your Investment JourneyAsk a question on WhatsApp

The quiet risk

Money left idle slowly buys less

Inflation rarely feels urgent, because it works slowly. Over a working lifetime it is the single biggest reason long-term savings are invested rather than left in a low-yield account.
  • today₹50,000
  • in 5 yrs₹66,911
  • in 10 yrs₹89,542
  • in 15 yrs₹1,19,828
  • in 20 yrs₹1,60,357
  • in 25 yrs₹2,14,594

What costs ₹50,000 a month today would cost about ₹2,14,594 a month in 25 years - and the same ₹50,000 would then buy what ₹11,650 buys today.

Illustrative arithmetic at a constant inflation rate you choose. Actual inflation varies year to year and differs across households.

For NRI investors

Investing in India, from wherever you are

NRE or NRO, KYC that records your NRI status, FATCA declarations and a SIP that runs without you having to chase anyone. We coordinate the paperwork remotely and keep one consolidated view of your Indian mutual fund portfolio.

Explore NRI Investment
  • Guidance on repatriable and non-repatriable routes
  • NRI KYC and documentation handled remotely
  • Goal planning for family and property commitments in India
  • Portfolio access from any time zone

Financial Education

Insights worth your time

Plain-language explanations of how investing in India actually works - no hype, no predictions.
All insights

ELSS and Section 80C: what to check before the March rush

Tax-saving investments made in the last week of March rarely age well. Here is what ELSS actually is, how its lock-in works, and why the timing of the decision matters as much as the amount.

6 min read
Read article

Chandigarh & Tricity

A local team, close to where you are

Our office is in Manimajra, Chandigarh. We meet investors across the Tricity in person, and work with clients elsewhere in North India and abroad over calls and video.
  • Chandigarh
  • Mohali
  • Panchkula
  • Zirakpur
  • Manimajra
  • Kharar

We also work with investors across Punjab, Haryana, Himachal Pradesh, Delhi NCR, Pan-India.

Visit or contact usCall Now

Office

Flat No. 1401, Kishangarh, Bhagwanpura Road, Near Community Centre, Manimajra, Chandigarh 160101

Full address and directions are on the contact page.

Monday – Friday
10:00 AM – 6:30 PM
Saturday
10:00 AM – 2:00 PM
Sunday
Closed

FAQ

Questions investors ask us

What does an AMFI-Registered Mutual Fund Distributor do?

A mutual fund distributor helps investors access mutual fund schemes - explaining how different categories work, completing KYC and transaction paperwork correctly, and providing ongoing service such as statements and portfolio reviews. TEAM4 Finvest is registered with AMFI under ARN-162936. A distributor does not manage your money or offer portfolio management services.

How much money do I need to start a SIP?

Minimum instalment amounts are set by each mutual fund scheme and many start at a modest monthly figure. What matters more than the starting amount is choosing a figure you can sustain every month without strain, and increasing it as your income grows.

Is there a charge for a portfolio review?

No. TEAM4 Finvest offers portfolio reviews free of charge and with no obligation to transfer or change your existing investments. You are welcome to take the observations and act on them however you choose.

Do you work with investors outside Chandigarh?

Yes. Our office is in Manimajra, Chandigarh and we regularly meet investors across Mohali, Panchkula, Zirakpur and Kharar. We also work with investors elsewhere in Punjab, Haryana, Himachal Pradesh and Delhi NCR, and with NRIs, largely over calls, video and email.

Can NRIs invest in Indian mutual funds through TEAM4 Finvest?

Yes, subject to the rules that apply to your country of residence and to each scheme. Investments are usually routed through an NRE or NRO account and need KYC that records your NRI status, along with FATCA declarations. We help coordinate this documentation remotely. Tax and repatriation positions should also be confirmed with a qualified adviser in your country of residence.

Are the returns shown in your calculators guaranteed?

No. The calculators on this website are illustrative tools. They apply a constant rate of return that you choose, which is not how markets actually behave. Mutual fund returns are market-linked, will vary year to year, and are not assured by TEAM4 Finvest or by any scheme.

How do I access my existing portfolio online?

Existing clients can use the Client Login link in the menu, which opens the Investwell client portal in a new tab. If you need help with access, send us a message on WhatsApp or call the office and we will assist you.

Ready to take the next step toward your financial goals?

Whether you are starting your first SIP or want a second opinion on a portfolio you already hold, a short conversation is the best place to begin.

Talk to TEAM4 FinvestWhatsApp us

AMFI-Registered Mutual Fund Distributor · ARN-162936

Call NowWhatsAppStart a SIP