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Annual Return
+17.5%
▲ Premium Plan
Monthly Credit
₹14,583
on ₹10L invested
Total Corpus
₹42.5L
▲ Growing
Building Wealth with Wisdom
CA-Backed  ·  Documented  ·  Trusted

Your Money,
Working Harder
Than Any FD

Fixed returns of 12–20% per annum — backed by a signed investment agreement, verified by a Chartered Accountant, and tracked transparently in your personal dashboard.

Start Investing Today How It Works
₹0
Target AUM Year 1
0%
Max Annual Return
100%
Documented & Signed
CA
Verified Agreements
Signed Agreement Every Investment
CA-Drafted Documents
Fixed Monthly Returns
100% Transparent Tracking
Pune-Based · Personal Service
Why we're different

We Could Promise 40%.
We Choose Not To.

Anyone can put a 40% return on a banner. The market teaches you quickly that such promises end in broken trust, delayed payouts, and lost capital.

We offer 12–20% per annum because that is what we can deliver — consistently, on time, every month, with a signed agreement backing every single rupee.

Our philosophy

"Building Wealth with Wisdom — conservative by choice, not by limitation."

SPFMC Standard
13.5%
p.a. guaranteed
✓ Signed agreement
SBI FD
6.5%
p.a. (2024)
Bank regulated
HDFC FD
7.1%
p.a. (2024)
SPFMC Premium
17.5%
p.a. (₹25L+)
✓ Priority service

FD rates are indicative. Returns may vary by tenure.

Investment plans

Simple, Transparent Plans

Two straightforward slabs. No hidden conditions, no surprises — everything in writing.

₹1 Lakh – ₹24.99 Lakh
Standard Plan
12–15% p.a.
  • ✓
    Minimum investment ₹1,00,000
  • ✓
    Monthly interest credited to bank
  • ✓
    Tenure: 6 months to 3 years
  • ✓
    CA-drafted investment agreement
  • ✓
    Digital client dashboard access
  • ✓
    SMS + WhatsApp payout alerts
Get Started
Most Popular
₹25 Lakh & above
Premium Plan
15–20% p.a.
  • ✓
    Minimum investment ₹25,00,000
  • ✓
    Higher return — up to 20% p.a.
  • ✓
    Flexible tenure options
  • ✓
    Priority onboarding & support
  • ✓
    Quarterly review meetings
  • ✓
    CA-verified annual statement
Start Premium
Returns calculator

Calculate Your Returns

Enter investment amount (₹)
₹1 Lakh Standard slab (12–15%) ₹1 Crore
Select return rate
Investment tenure
12 months
6 months 36 months
Return progress
Investment amount ₹5,00,000
Return rate (p.a.) 13.5%
Monthly interest ₹5,625
Total interest earned ₹67,500
Maturity value ₹5,67,500
Invest This Amount

Returns shown are indicative. Actual return rate is as per your signed investment agreement. Standard plan: 12–15% p.a. Premium plan (₹25L+): 15–20% p.a.

Mr. Siddharth Pawar
Mr. Siddharth Pawar
Founder & Chairman — SPFMC
The person behind your money

Why Trust S P Fund Management?

CA Background Stock Market Practitioner Business Entrepreneur Founder & Chairman

With a foundation in chartered accountancy and years of hands-on stock market experience, Mr. Siddharth Pawar has seen firsthand how unpredictable markets can destroy savings — and how financial institutions exploit that uncertainty.

SPFMC was built on one principle: give investors honest, realistic returns with full documentation. No drama, no excuses — just consistent payouts, every month, every time.

"Every rupee you invest is backed by a signed, CA-drafted agreement — tracked, documented, and returned to you with your agreed returns on time, every time."

— Mr. Siddharth Pawar, Founder & Chairman, SPFMC
Read Full Story
Process

Start Earning in Simple Steps

From registration to your first monthly return — fully guided, fully transparent, fully documented.

View Full Process
01
🪪
Register & Complete KYC
Submit your details, upload Aadhaar, PAN and bank proof. Verified within 24 hours.
02
📝
Sign Your Agreement
Receive and sign your personalised, CA-drafted investment agreement before any money moves.
03
📊
Choose Your Plan
Pick Standard (12–15%) or Premium (15–20%) based on your amount. See exact returns instantly.
04
🏦
Transfer Your Investment
Send via NEFT/IMPS. Upload your receipt. Account activated within 24 hours.
05
📈
Earn Every Month
Interest credited to your bank every month. Track everything in your personal dashboard.
06
🔄
Maturity & Renewal
At maturity, principal returned in full. Renew, upgrade to Premium, or exit — your choice.
Client stories

What Our Investors Say

★★★★★

"The signed agreement gave me confidence from day one. My returns have been credited on time every single month. Finally a real alternative to FDs."

R
Ramesh P.
Retired Officer, Pune
★★★★★

"The transparency here is unlike anything I've seen. Every payout, every document — all in my dashboard. The CA-backed agreement made my family feel safe."

S
Sunita M.
Business Owner, Pune
★★★★★

"My FD gave 6.5%. I moved part of my savings here and now earn over double. The process was smooth and Mr. Pawar is always reachable on WhatsApp."

A
Anil K.
IT Professional, Pune
Common questions

Got Questions?

Everything you want to know before you invest — answered honestly.

View All FAQs
Every investment is backed by a signed, CA-drafted investment agreement that legally documents the principal, return rate, tenure, and payout schedule. This agreement is your legal protection.
Interest is credited directly to your registered bank account every month on a fixed date. You receive a WhatsApp and SMS notification every time a payout is processed.
Early exit terms are clearly defined in your agreement. Typically a short lock-in period applies after which early withdrawal is possible with a nominal exit adjustment.
Every client gets a signed legal agreement before money moves. Full KYC is mandatory. Payouts go directly to your bank. We never promise unrealistic returns.
The minimum investment is ₹1,00,000 (One Lakh Rupees) for the Standard Plan. Premium Plan requires a minimum of ₹25,00,000.
Building Wealth with Wisdom

Make Your Money Work
Harder Than a Fixed Deposit

Join investors across Pune already earning 12–20% p.a. with full documentation and monthly payouts.

Start Investing Now Talk to Us First