Who you are actually dealing with
The business is Two Plus Two Nine, and the person you will speak to is Ashok Kumar Saini. Our registration is ARN-171746, issued by AMFI — the Association of Mutual Funds in India. You do not have to take that number on trust: you can look it up yourself on the AMFI distributor search linked further down this page, and we would rather you did.
The office is at C-6, Sawan Park, Ashok Vihar Phase 3, Delhi 110052, inside Ashok Vihar itself. Transactions are placed through our platform partner, Prudent Corporate Advisory Services Limited (FundzBazar platform), so your money never moves through us — it goes from your own bank account to the asset management company, and the units are held in your name against your own PAN and folio.
There is no call-centre in between and no sales team working a target sheet. You get one person who answers the phone, which is the main reason people in the neighbourhood use a local distributor instead of an app.
What a Mutual Fund Distributor does — and what we do not do
This distinction matters, and a lot of websites blur it, so here it is without the marketing gloss.
- We are a Mutual Fund Distributor. We help you complete KYC, open your investment account, choose between schemes, place purchases, SIPs, switches and redemptions, and keep your paperwork and nominations in order.
- We are not a SEBI-registered Investment Adviser (RIA). We do not sell financial plans for a fee, and we do not charge you separately for guidance.
- Any views we share on scheme selection are advice that is incidental to distribution — the standard AMFI framework for distributors. Where a question genuinely needs a registered adviser, a chartered accountant or a lawyer, we will say so rather than guess.
- We distribute regular plans of mutual funds. The AMC pays us a commission out of the scheme's expense ratio for the assets we service. You are not invoiced for it; it is built into the plan you hold, and we will tell you that every time you ask.
- We do not accept cash, and we never ask for your net-banking password, card details or OTP. Payment happens inside your own bank's interface.
We also cannot promise returns, and you should be wary of anyone in this business who does. Mutual funds are market-linked products; what we can influence is whether the scheme suits your goal, your time horizon and how much fluctuation you can actually live with.
How we help households in Ashok Vihar
Most of the conversations we have around here fall into a handful of buckets. None of them require you to already understand mutual funds.
- Goal-based SIPs — a child's education, a house deposit, a wedding, or simply building a corpus instead of leaving everything in a savings account. We work backwards from the amount and the year you need it.
- Tax-saving through ELSS — worth discussing only if you have stayed with the old tax regime, since Section 80C deductions are not available under the new regime. If the new regime suits you better, ELSS is not a tax argument and we will say so.
- Retirement saving through mutual funds, looked at alongside what you already hold in EPF, PPF and NPS, so the mutual fund part fits the whole picture.
- An honest look at insurance need, illustrated with our term and health calculators, so you can see the gap for yourself. Insurance is protection; it is not an investment plan.
- Reviewing what you already own — old folios, dormant SIPs, funds bought from a bank relationship manager years ago, missing nominations, or units still tied to an old address or phone number.
- Handling the paperwork that people put off: KYC updates, nominee changes, consolidating statements, and helping a family member complete a transmission after a death.
Regular plans and direct plans, stated plainly
A direct plan of a scheme has a lower expense ratio than the regular plan of the same scheme, because it contains no distributor commission. Over a long holding period that difference compounds, and anyone telling you otherwise is not being straight with you.
What you give up with a direct plan is the service around the transaction: someone who does the paperwork, checks the folio and picks up the phone when the market falls twenty percent and you want to stop your SIP. We distribute regular plans, we are paid by the AMC for exactly that service, and we think you should decide with the trade-off in front of you rather than behind you.
Hindi or English, whichever you think in
Money conversations go badly when they happen in a language you are only half comfortable in. This entire website exists in Hindi and English, including the calculators and a 51-chapter investing course written in Hindi, and you can switch at any time from the top of the page.
The same applies in person and on WhatsApp. Ask the awkward questions — what this actually costs, what happens if you stop, what you can lose — in whichever language gets you a clear answer.
How to start — three steps
1. Send a WhatsApp message
Tell us roughly what you are trying to do — start a SIP, save tax, review old funds. No form, no obligation, and no cost for the conversation.
2. Talk through the goal
On a call or at the Ashok Vihar office, we work out the amount, the time horizon and how much fluctuation you are willing to sit through — before any scheme is named.
3. Open your account online
You complete registration and KYC yourself through our FundzBazar link. Money moves from your bank to the AMC; units are held in your name. You can do the whole thing from home.
The link opens FundzBazar, our platform partner's registration page, in a new tab.
Free calculators — use them before you talk to anyone
These run entirely in your browser. Nothing you type is sent to us or stored on our servers, and you do not need to register to use them.
Frequently asked questions
Do I need to visit your office in Ashok Vihar?
No. Registration, KYC and every transaction can be completed online from wherever you are, and most people never come in. If you would rather sit across a table for the first conversation, the office is at C-6, Sawan Park, Ashok Vihar Phase 3, Delhi 110052 — please call or message first so someone is there to meet you.
Is there a fee for talking to you?
No. We do not charge investors a fee, and we do not sell a paid plan. We are paid a commission by the asset management company out of the scheme's expense ratio on the regular-plan investments we service. That is our only source of income from your account, and you can ask us to state it for any scheme before you invest.
What is an ARN, and why should I check it?
ARN stands for AMFI Registration Number — the identifier every legitimate mutual fund distributor in India must hold. Ours is ARN-171746. Checking it takes a minute on the AMFI distributor search, and it is the simplest way to confirm that the person handling your investment is actually registered to do it.
Direct plan or regular plan — which should I choose?
Direct plans have a lower expense ratio because they carry no distributor commission, so for the same scheme and the same period they will show a slightly higher return. Regular plans include that commission and come with our support: paperwork, reviews, follow-ups and someone to call. If you are confident doing all of that yourself, direct is cheaper. We distribute regular plans and would rather you chose knowing the difference.
Are you a SEBI-registered Investment Adviser?
No. We are an AMFI-registered Mutual Fund Distributor. We cannot charge a fee for advice or offer a formal advisory service; what we provide is guidance incidental to distributing mutual fund schemes. If your situation calls for a registered adviser or a tax professional, we will tell you.
Can you guarantee how much my SIP will grow?
No, and nobody can. Mutual funds are market-linked, returns vary, and any figure shown in a calculator on this site is an illustration at an assumed rate — not a promise. What we can do is match the scheme category to your time horizon and how much fall you can tolerate without panicking.
How do I pay, and where does my money go?
Payment goes directly from your own bank account to the asset management company, through your net banking, UPI or a bank mandate for SIPs. We never handle your money and we never take cash. Units are allotted against your PAN in your own folio, and the AMC and the registrar send statements straight to you.
Can you help with mutual funds I bought somewhere else?
Often, yes. Existing folios can usually be brought under our ARN so you can see everything in one place, and where that is not possible we can still help you read the statements, spot duplicates and fix missing nominations. Whether to move a folio is your decision, and it does not change what you already own.
Which areas around Ashok Vihar do you serve?
We work with people across North and North-West Delhi — Ashok Vihar Phases 1 to 4, Wazirpur, Shalimar Bagh, Model Town and Pitampura among them — and, because onboarding and transactions are online, with clients elsewhere in Delhi NCR too.
Do you speak Hindi?
Yes. Calls, WhatsApp messages and meetings all happen in Hindi or English, whichever you prefer. The website, the calculators and the 51-chapter investing course are all available in both languages.
Areas we serve in North Delhi
Localities we regularly work with from the Ashok Vihar office:
- Ashok Vihar Phase 1
- Ashok Vihar Phase 2
- Ashok Vihar Phase 3
- Ashok Vihar Phase 4
- Wazirpur
- Shalimar Bagh
- Model Town
- Pitampura
Serving somewhere else in Delhi NCR? Onboarding is online, so distance is rarely the problem — just ask.
Talk to us
One person, one number. Message or call — there is no cost to the conversation and no obligation to invest.
OfficeC-6, Sawan Park, Ashok Vihar Phase 3, Delhi 110052
Phone+91 97113 91321
Emailaks.ashokkumarsaini@gmail.com
Message on WhatsAppVisits by appointment — please message or call before coming.WhatsApp and FundzBazar open in a new tab.Verify our registration
Two Plus Two Nine is run by Ashok Kumar Saini and registered with AMFI as ARN-171746. Please confirm it independently before you invest.
Check ARN-171746 on the AMFI distributor search