Assets Under Guidance
$0M+
Across multiple geographies
SKCL Capital Pvt Ltd advises families, family offices and institutions on the whole of their balance sheet — not the slice that happens to be for sale this quarter. We have been an AMFI-registered mutual fund distributor since 2009, and have been in markets for more than twenty years.
The work is unglamorous by design. We map what exists, understand what the capital is actually for, build an allocation that reflects genuine risk capacity rather than stated risk appetite, and then revisit it on a schedule — not only when something breaks.
Clients come to us with concentrated positions, unclear succession, legacy products nobody can explain, and international exposure that was never coordinated with the domestic book. Our job is to make the whole thing legible — first to them, then to the generation after them.
Assets, liabilities, obligations, insurance, real estate and business interests consolidated into a single statement — the foundation every other decision is measured against.
Structuring transfer across generations — wills, nominations, ownership and the conversations nobody wants to have.
Direct and fund-based exposure sized to risk capacity, with explicit concentration limits.
The ballast of the portfolio. Duration and credit decisions made deliberately, with the yield-versus-risk trade-off stated in plain language rather than buried in a factsheet.
AIFs, PMS and structured products — used selectively, only where the illiquidity is actually paid for.
Geographic diversification for balance sheets that have outgrown a single market — coordinated with the domestic book, with the regulatory and reporting consequences mapped in advance.
The same four stages run for a first-generation entrepreneur and a third-generation family office. What changes is the depth, not the sequence.
Every asset, liability, obligation and intention documented before a single recommendation is made. Most of the value in the relationship is created here, and it is the stage most firms skip.
An allocation across equity, fixed income, alternates and international assets — sized to genuine risk capacity, with the drawdown a client can actually tolerate stated up front in rupees, not percentages.
Execution through AMFI-registered channels with full disclosure on cost, commission and structure. Nothing enters the portfolio that we cannot explain in a single paragraph.
A fixed review cadence with written commentary. Rebalancing is a decision with a reason attached, not a reflex — and the reason goes on the record either way.
We built Rule72 because the arithmetic behind most financial decisions is not complicated — it is just rarely shown. Every tool runs entirely in your browser: nothing is uploaded, nothing is stored, and no sign-up is asked for.
Rule72 is a free educational resource operated by SKCL Capital. The calculators are illustrative and do not constitute investment, tax or legal advice — figures depend entirely on the assumptions you enter. The Will Maker produces a draft for review by a qualified lawyer, not an executed document. Tools open in a new tab at rule72.in, and this list is read live from that site — whatever is published there appears here.
Which one applies depends on what you hold with us. Login details are issued separately for each — one does not sign you into the other.
Not sure which portal is yours, or need credentials reset? Write to support@skcl.in or call +91 33 4604 2704. Both portals open in a new tab and are operated by their respective providers.
A first conversation is diagnostic, not transactional. Tell us roughly what you're working with and we'll come back within one business day.
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For clients whose holdings with us are mutual funds only. Statements, transactions, capital gains and SIP tracking.
For clients with a broader book — mutual funds alongside equity, AIFs, PMS and other assets held with us. Consolidated across asset classes.
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