Creso vs NJ Wealth: Which Platform Suits Mutual Fund Distributors in 2026?

The two platforms

Creso

Creso is a national distributor (ARN-321367) built for mutual fund distributors. You keep 90% of all trail commission, on all schemes, and Creso retains 10%. Your clients get a true white label app, under your brand. Reports, emails and creatives go out in your name. Creso also helps you get clients, through portfolio reviews, training, and ad campaigns managed for you.

A client is onboarded with just 2 OTPs. Non individual clients, including HUF, minor, NRI, company and LLP accounts, are onboarded digitally in about 3 to 6 hours. Mandates are digital. You can fetch a client’s external portfolio with an OTP and review it with them, and you get a transaction level brokerage breakdown you can reconcile. Creso doesn’t set sales targets, and it doesn’t push schemes or AMCs.

Support is founder led, and is described as available round the clock, with queries addressed in minutes. You get paid on the 20th of each month. There are 3,000+ distributors and 50+ AMC partners on the platform. There’s no joining or setup fee, and it’s free to sign up. You can offer mutual funds, SIFs, AIFs, PMS, GIFT City products and bonds today, including GIFT City access for NRI clients. Loan against mutual funds (LAMF) and insurance are coming soon.

NJ Wealth

NJ Wealth lists 53,181 active distributors, ₹3,02,562 crore of mobilised AUM, and 250+ locations as of 31 October 2026. You’d work as an NJ Wealth Partner, inside Partner Desk. Your clients would use the NJ E-Wealth Mutual Fund Account. Support covers sales, research, technology, training, marketing and customer care, including dedicated relationship managers. That in person network is a real strength.

Comparing the two

Here’s the same set of questions for each platform. If a public page doesn’t state a fact, the cell says “Not listed publicly.”

Commission share: what’s public, and what isn’t

Two numbers get mixed up a lot. A platform share is how trail is split between the national distributor and you. An AMC trail rate is the brokerage a scheme pays. They aren’t the same thing, even when a page says “competitive” or walks through an example with a percentage.

On creso.in and the platform page, Creso publishes a flat 90:10 trail split. You keep 90% of trail. Creso retains 10%. The site says “Flat 90:10 commission sharing. No tiers, no hidden deductions, no surprises.” That covers all trail commission on all schemes. What you take home still depends on the trail the schemes your clients hold actually pay. You also get a transaction level brokerage breakdown you can reconcile.

Creso takes care of GST. If you’re registered for GST, it adds 18% on top of your trail so you can pay that to the government, and only one invoice is raised. The 18% is the GST amount for you to remit, not extra commission. This isn’t tax advice.

NJ Wealth doesn’t publish a ratio for how commission is shared. Its FAQ calls the rate “very competitive,” says you can see rates and statements inside Partner Desk, and lists Silver, Gold and Platinum privilege categories that upgrade as your mobilised AUM grows, with brokerage rates revised upwards. Worked examples on the page use 0.60% and 0.70% trail rates. Those show how trail is calculated, not how the platform splits it with you. Payout is monthly. NJ also says brokerage is paid exclusive of GST, and if you’re registered for GST you can submit an invoice and have the GST amount reimbursed.

Ask for the current commercial terms in writing before you join. A worked example, or the words “very competitive,” isn’t a published split.

Whose brand the client sees

On Creso, the app, reports, emails and creatives carry your name and identity. It’s a true white label app, under the MFD’s brand.

On NJ Wealth’s public MF distributor page, your clients use the NJ E-Wealth Mutual Fund Account, and you work in Partner Desk. Marketing support is listed: a logo, website, visiting card, stationery and flyers. So NJ does offer branding help. What that page doesn’t describe, as of November 2026, is a white label client app under your own brand.

Joining and setup fees

Creso doesn’t charge a joining or setup fee, and it’s free to sign up. You can get started from the partner signup page.

NJ Wealth lists a value pack of ₹7,000: ₹2,000 for the NISM Series V-A exam and study material, and ₹5,000 as a subscription. If you already have an ARN, the fee is ₹5,000, refundable if you meet minimum business criteria in the first three months. No annual membership fee is listed. The value pack isn’t refundable if you don’t clear the exam or you leave. NJ also notes a separate ARN application fee payable to CAMS (₹3,000 plus GST for an individual), and says existing ARN holders can start 24 hours after registration.

New partners also get a welcome contest. Within three months of enrollment, the criteria are ₹30,000 net equity SIP plus 10 clients (minimum ₹1,000 SIP each), or ₹25 lakh net equity sales plus 10 clients.

Product shelf, onboarding and the daily work

With Creso, you can offer six products today: mutual funds, SIFs, AIFs, PMS, GIFT City products and bonds. GIFT City access is there for NRI clients. Loan against mutual funds (LAMF) and insurance are coming soon.

A client is onboarded with just 2 OTPs. Non individual clients, including HUF, minor, NRI, company and LLP accounts, are onboarded digitally in about 3 to 6 hours, and mandates are digital. If a client already has investments elsewhere, you can fetch that external portfolio with an OTP and review it with them.

NJ’s products page lists mutual funds, portfolio management services (PMS), loan against mutual funds, the National Pension System (NPS), and equities and ETFs. An NJ partner blog also names bonds and AIF. The MF distributor page talks about a “wide range of products” without naming them, so the list above is what those NJ pages actually publish.

Help getting clients, and ongoing support

Creso’s help goes beyond the dashboard. You get portfolio reviews, expert training, and ad campaigns managed for you. Support is founder led, and is described as available round the clock, with queries addressed in minutes, not weeks. Creso doesn’t set sales targets, and it doesn’t push schemes or AMCs. Commission payouts happen on the 20th of every month. So commissions for May business, for example, are paid on 20 June.

NJ Wealth has a wide support setup: sales, research, technology, training, marketing and customer care. That includes dedicated relationship managers, AMFI and new partner training, Partner Desk, a toll free number, and unit managers who can join client calls. As of 31 October 2026 the same network covers 250+ locations. If you want training in person and a named manager nearby, that’s a real strength.

Exit and ARN change

Get the exit and ARN change process in writing before you join. Public pages don’t always spell out the steps or a timeline, and none of this guarantees a book will move on a particular date.

Creso issues an NOC and doesn’t stop you taking your book elsewhere. Incoming books are welcome. NJ Wealth’s FAQ says you can shift AUM by following “the ARN change process,” but it doesn’t list the steps or a timeline.

Which platform is a better fit

For most growing MFDs, Creso is the closer match. You get a published 90:10 trail split, no joining or setup fee, a true white label app under your brand, digital onboarding (including non individual clients in about 3 to 6 hours), founder led support, no sales targets, and an exit process in which Creso issues an NOC and doesn’t stop you moving your book.

NJ Wealth is a stronger fit if you want the largest published network, a long track record, branches across 250+ locations, and a full sales, training, research and care setup around Partner Desk and NJ E-Wealth. If you want an established network and training in person, look hard at NJ Wealth.

Confirm current terms before you decide.

If you don’t yet have an ARN, start with how to become a mutual fund distributor.