Keep money ready
For capital that may be required in the near future.
Liquidity · Fixed Income · Long-Term Equity
Give every part of your surplus money the right job.
We help you decide how much money should remain ready, how much should earn income, and how much can grow over the long term.
Start with the capital you want to deploy now. You do not need to disclose your entire financial life in the first conversation.
Four core investment solutions
Choose by time—not only by return.
These are Auris service frameworks. Actual instruments depend on your liquidity needs, risk capacity, eligibility and current product availability.
3–12 monthsShort horizon
Auris Liquid Investment Solution
For money you may need soon. A fixed-income-only framework focused on the required investment period and product liquidity.
12–36 months1 to 3 years
Auris Stable Investment Solution
For money required within one to three years. A fixed-income-only framework focused on capital-preservation objectives, maturity planning and credit quality.
36–60 months3 to 5 years
Auris Income Solution
For capital that can remain invested for three to five years. A fixed-income-only framework that may use longer maturities and income-oriented instruments.
7+ yearsLong-term surplus
Auris Equity Growth Solution
For suitable HNI clients with at least ₹50 lakh of genuine long-term surplus and the ability to tolerate equity-market volatility. PMS distribution is through SEBI-registered portfolio managers.
Important: “Liquid,” “Stable,” “Income” and “Growth” describe the intended objective and time horizon. They do not guarantee liquidity, capital stability, income or growth. Product terms and risks vary.
Specialist HNI solution
Auris Private Credit Solution
Facilitation of selected Category II AIF private-credit opportunities for suitable, sophisticated investors.
Private credit is not a fixed deposit. It may involve long holding periods, limited liquidity, borrower default risk, valuation risk, concentration risk and possible loss of capital.
Generally ₹1 crore minimum investment, subject to applicable rules and offering documents
Designed only for investors who understand higher risk and limited liquidity
Evaluated separately from short-to-medium-term fixed-income requirements
Private-credit AIFs should not be used for emergency money, near-term requirements or as a substitute for a bank deposit.
When people usually contact us
Do you have surplus money after a financial event?
Auris Wealth can begin with the amount currently available for deployment.
Property-sale proceeds
Business surplus
Retirement corpus
Maturing FD or bond
Bonus, ESOP or inheritance
Idle bank balance
A simple four-step process
Understand first. Invest second.
We do not begin with a product list. We begin with your capital, time horizon, liquidity and risk.
Tell us the amount
Begin with the surplus capital you want to deploy now.
Define when it is needed
Three months, one year, three years, five years or seven years and beyond.
Understand the risks
Credit, default, liquidity, market, concentration, tax and product-specific risks.
Evaluate suitable routes
Compare a small number of relevant options and complete the required disclosures.
The Auris approach
Simple decisions. Clear disclosures.
The product should follow the purpose of the money—not the other way around.
Time before return
We first ask when the money may be needed.
Risk before rate
A higher yield generally involves additional credit, liquidity or structure risk.
Few relevant options
We focus the discussion on suitable routes instead of presenting a long catalogue.
Distribution with disclosure
Auris may receive commission from product providers. Applicable disclosures are provided before transactions.
Common questions
Plain answers before you invest.
Does “Auris Stable Investment Solution” guarantee that my capital cannot fall?
No. “Stable” describes the intended objective and time horizon, not a guarantee. Fixed-income instruments can carry credit, default, liquidity, interest-rate and reinvestment risks.
Is every fixed-income investment the same as a bank FD?
No. Bank deposits, company deposits, bonds, market-linked debt instruments and private-credit structures have different risks and liquidity conditions. Eligible bank deposits have limited DICGC insurance; company deposits, bonds and AIFs do not receive that protection.
Does Auris manage PMS portfolios?
No. Auris Apex LLP is an APMI-registered PMS and AIF distributor. Portfolio management is performed by the selected SEBI-registered portfolio manager. Auris may receive disclosed distribution commission.
What is the minimum amount for PMS?
The applicable PMS minimum is generally ₹50 lakh. Auris Equity Growth Solution is intended only for suitable investors with genuine long-term surplus, a 7+ year horizon and the ability to tolerate market volatility.
Is Private Credit suitable for short-term surplus?
Generally, no. Category II AIF private-credit strategies can have long holding periods and limited liquidity. They are specialist investments for suitable sophisticated investors, not substitutes for emergency funds or bank deposits.
Do I need to disclose my entire financial life?
No. The first conversation can begin with the specific amount you want to deploy. Additional information may be required later to assess suitability and complete product documentation.
Start with one amount
When will you need your surplus money?
Share the approximate amount and time horizon. WhatsApp will open with your enquiry ready to send.
+91 93266 72457Call or WhatsApp · Mumbai, Thane & Navi Mumbai
Important disclosures
Distribution status: Auris Apex LLP is an AMFI Registered Mutual Fund & SIF Distributor (ARN-359871) and an APMI Registered PMS & AIF Distributor (APRN-08964). Auris acts as a distributor/facilitator and may receive commission from issuers, portfolio managers, fund managers or platforms, as applicable and subject to disclosure requirements.
Not an adviser or manager: Auris Apex LLP is not holding itself out through this website as a SEBI-registered Investment Adviser, Research Analyst or Portfolio Manager. PMS portfolios are managed by the relevant SEBI-registered portfolio managers. AIFs are managed by the relevant registered fund managers.
Framework names: Auris Liquid, Stable, Income, Equity Growth and Private Credit Solutions are service frameworks used to organise product discussions. They are not schemes, funds, deposits, guarantees or standardised model portfolios manufactured by Auris.
Investment risks: Investments may be subject to market, credit, default, downgrade, interest-rate, reinvestment, liquidity, concentration, valuation, prepayment, currency, tax and product-specific risks. Principal, interest, income, growth, liquidity and repayment are not assured or guaranteed by Auris Apex LLP or its partners, promoters or employees.
Deposits: Eligible bank deposits are insured by DICGC only up to ₹5 lakh per depositor per bank in the same right and capacity, including principal and interest. NBFC/company deposits, bonds, PMS and AIF investments are not DICGC-insured. Credit ratings are opinions and may change; they are not guarantees of repayment.
Suitability: Product availability, eligibility, minimum investments, lock-ins, liquidity, charges and tax treatment vary. Past performance does not indicate future performance. Read all application forms, disclosure documents, term sheets, private-placement memoranda and other product documents carefully before investing.
Regulatory information: SEBI Investor—PMS · SEBI—AIF Master Circular · DICGC Deposit Insurance Guide