Loans, investments, and protection structured into one coordinated strategy - built for long-term stability.
We are currently focused on building long-term relationships with a limited set of clients - prioritizing quality over scale.
We start by listening - income, liabilities, goals, and existing commitments. No assumptions, no templates.
We map what's working, what's missing, and where your money could be structured better across loans, investments, and coverage.
A clear, practical roadmap - not jargon-heavy reports. Every recommendation is explained before anything is executed.
We handle the process end-to-end - applications, documentation, coordination so you don't have to chase anyone.
Financial life changes. We revisit your plan regularly and adjust as your goals, income, or circumstances evolve.
Structured loan solutions, SIP plans, and insurance for individuals building their financial future steadily.
Protection planning, home loan guidance, and goal-based investing for families thinking long term.
Business loan structuring and flexible investment planning tailored to variable income patterns.
Patient guidance into mutual funds and SIPs - clear explanations, no pressure, no jargon.
We understand your situation fully before suggesting anything. No quotas, no pressure, no agenda.
Loans, investments, and insurance handled under one roof - with a single advisor who understands your full picture.
We're not here for a transaction. We're here to grow alongside you through every stage of your financial life.
Most people come to us overwhelmed - too many products, too much noise, too little clarity. That's exactly the problem we solve.
A 20-minute conversation is all it takes to get a clear view of where you stand and what your next step should be.
No obligation. No paperwork. Just clarity.
We'll ask about your income, current loans, savings, and what you're trying to achieve. Based on that, we'll outline a structured approach - loans, investments, or insurance - with clear next steps.
A free, no-obligation 20-minute consultation with Joy Mendonsa, your dedicated financial advisor.
Four service pillars that work together - structured for your specific situation, not sold off a shelf.
We identify the right lender, structure your application, and handle the entire loan journey - so you get funded faster and smarter.
End-to-end home loan assistance with the right bank at the best rate.
Quick disbursals for personal needs with transparent terms.
Working capital and growth loans structured for your business cycle.
Unlock the value of your assets at competitive rates.
Move your existing loan to a better lender and reduce your EMI.
Goal-based investing through mutual funds and SIPs - every decision aligned with your actual life, not generic benchmarks.
ARN-registered distributor. Direct and regular plan guidance.
Disciplined monthly investing matched to your income and goals.
Build separate portfolios for each goal - home, education, retirement.
Long-term wealth building for a financially independent future.
Annual reviews to keep your portfolio aligned with your goals.
Wealth built without protection is vulnerable. We help you choose the right coverage - explained clearly, never sold aggressively.
Comprehensive health cover for individuals and families.
Pure life protection at the most affordable premiums.
Integrated insurance planning for your entire household.
Car and two-wheeler insurance with quick claim support.
The small things matter. We keep your financial life organized so nothing slips through the cracks.
Right card recommendations based on your spending patterns.
Accurate ITR filing with professional guidance.
Yearly check-in on your full financial picture and next steps.
A Mumbai-based financial advisory firm helping individuals and families structure their financial lives with clarity, purpose, and long-term thinking.
Igris Capital was founded with a simple belief: most people don't need more financial products - they need better financial clarity.
In a market flooded with agents chasing quotas, we chose a different path - building a firm where every recommendation starts with a question, not a product pitch.
We work with a limited number of clients deliberately, because quality of advice demands depth of relationship. We are not building volume. We are building trust.
"Most financial decisions go wrong not because of bad math, but because of unclear priorities."
We don't lead with products. We lead with questions — about your goals, your situation, your timeline. Only then do we recommend.
In a market full of agents pushing quotas, we've chosen to be advisors building relationships. Every client gets honest, jargon-free explanations before anything is executed.
"Good financial decisions start with clarity, not confidence."
— Joy Mendonsa, FounderWe understand fully before we recommend anything. No pressure, no agenda.
Every product explained in plain language you can act on confidently.
We don't just advise and step back. We handle the process end-to-end with you.
We're here for the next decade of your financial life — not just the next transaction.
Every financial need coordinated by one trusted firm.
We understand your full picture before recommending anything.
From documentation to disbursement - we move with precision.
We track and support your journey through every life stage.
Every recommendation explained clearly before any execution.
Every service is part of a broader financial architecture for you.
Joy Mendonsa founded Igris Capital with a single conviction: financial advice should start with understanding, not with selling.
With experience across mutual fund distribution, insurance planning, and loan structuring, Joy brings a rare ability to see the full financial picture — and communicate it plainly.
Every client relationship is handled personally by Joy. There are no juniors, no call centres, no outsourcing. When you reach out to Igris Capital, you speak directly to the person who will be your advisor.
"I started Igris Capital because I believed clients deserved an advisor who asks before they answer."
— Joy MendonsaTo build a trusted financial ecosystem helping clients structure capital, protect wealth, and grow confidently.
Use our tools to estimate returns, plan SIPs, and understand how your money can grow over time.
Estimate the wealth you can build through a Systematic Investment Plan over time.
Estimate how a one-time investment can grow over your investment horizon.
How much do you need to invest every month to reach your financial goal?
Calculate your monthly EMI and total interest outgo for any loan.
These calculations are indicative. For a personalized plan tailored to your goals and situation, speak with Joy Mendonsa directly.
Free 20-minute consultation. No obligation. No product pushing. Just an honest conversation about your financial situation.
Every enquiry gets a personal response from Joy directly — no bots, no call centres, no outsourcing.
Chat on WhatsAppAMFI Registered Mutual Fund Distributor
POSP Life & Non-Life Insurance
Lending Partners: HDFC · ICICI · Axis · Bajaj Finserv
MSME Registered · UDYAM-MH-33-0636264
We respond within 24 hours - personally.
🔒 Your details are private and will never be shared with third parties.
Joy will reach out to you personally within 24 hours to schedule your free 20-minute consultation.
Welcome to Igris Capital. By accessing or using our website and services, you agree to be bound by these Terms and Conditions. Please read them carefully before proceeding.
Igris Capital is a financial advisory and distribution services firm based in Mumbai, Maharashtra, India. We are registered as an AMFI Mutual Fund Distributor (ARN holder) and operate as a Point of Sales Person (POSP) for both Life and Non-Life Insurance products under applicable IRDAI regulations. Igris Capital is also a registered MSME under the Government of India — UDYAM-MH-33-0636264.
Igris Capital provides the following services:
Information provided on this website and in consultations is for general educational and informational purposes only. It does not constitute personalized investment advice, tax advice, or legal counsel. Igris Capital is not a registered Investment Advisor (IA) under SEBI (Investment Advisers) Regulations, 2013.
All mutual fund investments are subject to market risks. Clients are advised to read all scheme-related documents carefully before investing.
All content on this website — including text, logos, graphics, and the Igris Capital brand — is the intellectual property of Igris Capital. Unauthorized reproduction, distribution, or use is strictly prohibited.
Our website may contain links to third-party websites (such as mutual fund AMCs, insurance companies, or lenders). Igris Capital is not responsible for the content, accuracy, or privacy practices of any third-party sites. Visiting such links is at your own risk.
Igris Capital shall not be liable for any direct, indirect, incidental, or consequential losses arising from reliance on information on this website or from investment decisions made by clients. Past performance of any product is not indicative of future returns.
Igris Capital reserves the right to update these Terms and Conditions at any time without prior notice. Continued use of the website constitutes acceptance of the revised terms.
These terms are governed by the laws of India. Any disputes arising shall be subject to the exclusive jurisdiction of courts in Mumbai, Maharashtra.
For any questions regarding these terms, please contact us at joy@igriscapital.in or call +91 89287 93627.
Igris Capital is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and safeguard your data when you use our website or engage with our services.
We may collect the following types of information when you interact with Igris Capital:
We do not sell, rent, or trade your personal information. We may share data with:
All third-party partners are bound by their own privacy policies and applicable regulations.
We implement appropriate technical and organizational measures to protect your data from unauthorized access, disclosure, or loss. However, no method of internet transmission is 100% secure, and we cannot guarantee absolute security.
We retain your personal data only for as long as necessary to fulfil the purposes outlined in this policy, or as required by applicable law (e.g., KYC and financial transaction records as mandated by SEBI/IRDAI/RBI).
Our website may use minimal cookies to improve functionality and user experience. No personally identifiable information is stored in cookies.
Our services are not directed to individuals under 18 years of age. We do not knowingly collect data from minors.
We may update this Privacy Policy periodically. Any changes will be reflected on this page with an updated date. Continued use of our services constitutes acceptance of the revised policy.
For privacy-related queries or to exercise your rights, contact Joy Mendonsa at joy@igriscapital.in or +91 89287 93627.
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Past performance of a mutual fund scheme does not indicate or guarantee future performance. The NAV of units issued under the scheme can go up or down depending on factors and forces affecting the securities markets.
Igris Capital is registered as an AMFI Mutual Fund Distributor (ARN holder) and earns commission/trail income from AMCs for mutual fund distribution. This constitutes a potential conflict of interest. Clients are advised to seek independent advice if in doubt.
Insurance is the subject matter of solicitation. Igris Capital operates as a Point of Sales Person (POSP) for Life and Non-Life Insurance under the IRDAI framework.
Igris Capital facilitates loan applications as a referral/DSA partner with licensed banks and NBFCs. We do not independently lend money. All loans are subject to approval by the respective lending institution based on their credit assessment criteria.
Information on this website is for general informational purposes only and does not constitute financial, investment, tax, or legal advice. Igris Capital is not a SEBI-registered Investment Adviser.
The calculators and tools on this website provide approximate estimations based on user-inputted assumptions. Actual returns will depend on market conditions, specific fund performance, interest rate changes, and other factors beyond our control.
Igris Capital is not liable for any financial losses incurred based on information provided on this website. We strongly recommend consulting with a qualified financial professional before making any investment, insurance, or borrowing decision.
If you have a grievance related to our services, please contact Joy Mendonsa at joy@igriscapital.in or +91 89287 93627. We are committed to resolving all concerns within 7 working days.