Interfondos
Interfondos SAF is a Peruvian mutual fund manager (subsidiary of Inteligo Group) administering over 30 funds across Soles and Dollars with S/4,500M AUM and 70,000+ clients. It distributes through 260+ Interbank branches and the ERNI digital platform, earning revenue from a unified daily management fee.
- Company typePrivate
- Founded-
- HeadquartersLima, Peru
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Interfondos does
Interfondos SAF is a Peruvian mutual fund management company (Sociedad Administradora de Fondos) and a wholly-owned subsidiary of Inteligo Peru Holdings, part of the Inteligo Group within the Intercorp financial conglomerate. The company administers over 30 mutual funds across Soles and US Dollars, spanning Conservative, Moderate, and Audacious risk profiles, with specialized offerings in real estate, thematic investing (robotics, education, environment), frontier markets, US equities, and Latin American bonds. Assets under administration total S/4,500 million across more than 70,000 clients.
The company operates a hybrid physical-digital distribution model. The primary physical channel is Interbank's 260+ branch network nationwide, with extended hours including weekends and holidays. The digital layer consists of the ERNI platform (web and mobile app available on iOS, Android, and Huawei), supplemented by Interbank's Internet Banking and mobile app. The ERNI platform enables 100% digital account opening, fund exploration, real-time quota value tracking, subscriptions, and redemptions. Scheduled Subscriptions allow automated monthly recurring investments auto-debited from Interbank savings accounts. The company holds 30,000+ registered ERNI users and has executed 24,000+ fully online operations.
Interfondos generates revenue primarily through a unified fund commission (Comisión Unificada) — a daily-calculated management fee based on total fund value, paid monthly to the fund administrator. The company does not charge subscription or redemption commissions, and funds are exempt from Peru's ITF (Financial Transactions Tax). The primary customer segments are individual retail investors (primary) and corporate treasury clients (secondary), with minimum investment thresholds as low as S/200 or $50 across entry-level funds. The company is supervised by Peru's SMV and is a member of the Association of Mutual Fund Administrators of Peru (AAFP).
Interfondos firmographics
Firmographics- Name
- Interfondos
- Legal name
- Interfondos SAF
- Website
- https://interfondos.com.pe
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Interfondos SAF is a Peruvian mutual fund manager (subsidiary of Inteligo Group) administering over 30 funds across Soles and Dollars with S/4,500M AUM and 70,000+ clients. It distributes through 260+ Interbank branches and the ERNI digital platform, earning revenue from a unified daily management fee.
- Ownership category
- akta.pro rank
Interfondos industry classification
Industry- Product category
- Mutual Fund Management
- NAICS
- Portfolio Management and Investment Advice (523940), Open-End Investment Funds (525910)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)
Keywords
Where Interfondos is headquartered
LocationHeadquarters
- HQ city
- Lima
- HQ country
- Peru
- HQ region
- Latin America
Offices1 record
Markets served
Interfondos business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Unified Fund Commission (Comisión Unificada): Daily calculated management fee based on total fund value, paid monthly to the Fund Administrator. Already included in published returns.
- Subscription Commission: Currently Interfondos SAF does not charge subscription fees.
- Transfer/Redemption Commission: Interfondos SAF does not charge transfer or redemption commissions. Early redemption penalties may apply based on individual fund prospectuses.
- Transfer Operations: Interbank charges USD 25.00 fixed commission for international transfers to funds. Additional charges from intermediary banks may apply.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | IF Libre Disponibilidad Soles - Extra-conservative, immediate liquidity |
| Unit Pricing | Pay-as-you-go | IF Oportunidad Soles - Conservative balanced approach |
| Unit Pricing | Pay-as-you-go | IF Mediano Plazo Soles - Moderate risk fixed income |
| Unit Pricing | Pay-as-you-go | IF Acciones FMIV - Bold equity investment |
| Subscription | Monthly | Scheduled Subscriptions (Suscripciones Programadas) |
| Unit Pricing | Pay-as-you-go | Series Structure |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels5 records
Interfondos product offering
Product offeringCore offering
Interfondos SAF is a Peruvian mutual fund management company offering 30+ mutual funds across conservative, moderate, and audacious risk profiles in both Soles and US Dollars. The company delivers professional fund management with diversified portfolios spanning fixed income, equities, ETFs, and alternative investments. Funds are distributed through the 100% digital ERNI platform (web and mobile app) and Interbank's 260+ physical branch network nationwide, serving 70,000+ clients with assets under administration exceeding S/4,500 million.
Product overview
Interfondos SAF is a Peruvian mutual fund management company offering a portfolio of over 30 mutual funds managed through a unified platform. The product ecosystem consists of ERNI (the primary 100% digital platform accessible via web and mobile app), supplemented by Interbank physical and digital channels (Banca por Internet and Interbank App). The fund lineup spans three risk profiles: Conservative (IF Libre Disponibilidad, IF Oportunidad, IF Portafolio Dinámico Soles), Moderate (IF Mediano Plazo, IF Inversión Flexible, IF Portafolio Dinámico, IF Futuro Seguro, FDF IF Enfoque Global), and Audacious (IF Acciones, IF Inversión Global, FDF IF Inversión EE.UU., FDF IF Global Thematics, IF Mixto Balanceado, IF Enfoque Latam, FDF IF Inversion India, FDF IF Enfoque Mercados Frontera). Additional offerings include real estate (FDF IF Real Estate Student Accommodation), capital funds (IF I/II/III Capital), structured products (FDF IF Rendimiento Global series), and custody services (IF 45 Custodia Dólares). Funds are available in both Soles and US Dollars with multiple series (A, B, C) offering different operational modalities (traditional, digital-only). Complementary tools include the Rentability Simulator, Quota Value viewer, and Performance Charts.
Differentiator
Problem solved
Functional benefit
Brands
- ERNI: The 100% digital mutual fund platform of Interfondos, allowing users to explore funds, access rentabilities, view profits, and manage their investments online.
Products and services
- ERNI Digital Platform ERNI is Interfondos's 100% digital platform for managing mutual funds, allowing users to explore and open new mutual funds, access market-leading returns, view real-time profitability and accumulated earnings, and consult/download account statements. Available for individual investors (Personas) and corporate clients (Empresas).
- ERNI Mobile App Mobile application available on iOS, Android, and Huawei app stores for managing mutual fund investments from mobile devices, including account access, balance queries, subscriptions, and redemptions.
- Conservative Mutual Funds (Extra-conservative and Conservative) Conservative mutual fund lineup in Soles and US Dollars targeting capital preservation and short-term savings. Includes IF Libre Disponibilidad (immediate liquidity, fixed income only), IF Oportunidad (7-day minimum permanence, higher bond allocation), and IF Portafolio Dinámico Soles (tactical fixed income and equity trading). Very low to low risk profiles.
- Moderate Mutual Funds Moderate-risk mutual funds in Soles and US Dollars targeting medium-term growth and balanced returns. Includes IF Mediano Plazo (30-day minimum permanence, fixed income globally), IF Inversión Flexible (multi-asset flexible category), IF Portafolio Dinámico (tactical bonds, equities, ETFs), FDF IF Enfoque Global (global fixed income), and IF Futuro Seguro (seeking to outperform retirement alternatives via global fixed income and equities).
- Audacious (Bold) Mutual Funds Audacious (high risk) mutual funds in Soles and US Dollars targeting long-term wealth building through equity exposure. Includes IF Acciones (Lima Stock Exchange equities up to 100%), IF Inversión Global (global equities and fixed income), FDF IF Inversión EE.UU. (US equities), FDF IF Global Thematics (robotics, education, environment themes), IF Mixto Balanceado (50/50 fixed income and equities), IF Enfoque Latam (Latin American bonds), FDF IF Inversion India (Indian equities), and FDF IF Enfoque Mercados Frontera (frontier debt markets). Recommended holding period 5+ years.
- FDF IF Real Estate Student Accommodation FMIV Real estate mutual fund investing in global student housing rental markets. Seeks capital gains through property revaluation and rental income flows, assuming medium risk. Provides alternative asset class exposure alongside traditional fixed income and equity funds.
- Interbank Internet Banking (Banca por Internet) Internet banking platform for existing Interbank customers to access and manage mutual fund investments online, including subscriptions, redemptions, balance checks, and transaction history from any device.
- Interbank Mobile App Free mobile application for existing Interbank customers enabling balance queries, mutual fund subscriptions and redemptions, and account management in a secure manner.
- Simulador de Rentabilidad (Profitability Simulator) Investment growth simulator allowing users to choose 1 fund to simulate growth or up to 2 funds to compare results, showing projected returns based on selected parameters.
- Scheduled Subscriptions (Suscripciones Programadas) Automated recurring investment service enabling automatic monthly debit from Interbank savings accounts on the 15th or 30th of each month into selected mutual funds. No additional cost for the service; flexibility to modify amount, date, or cancel anytime.
- Corporate Treasury Mutual Fund Services Dedicated corporate service offering mutual funds for treasury management, cash flow optimization, and investment of idle corporate reserves. Includes dedicated corporate advisory, multiple contract options, and tax benefits (no ITF, no maintenance fees). Funds can be used as financing collateral.
Quantifiable outcome
- Assets under administration: S/4,500 million soles
- +3 more outcomes
Companies that use Interfondos
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
Interfondos technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Interfondos partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- InterbankcoreSister company and primary distribution partner. Provides 260+ physical branch locations nationwide for fund distribution, customer service, and advisory. Shares digital banking infrastructure (Internet Banking, Mobile App) for fund operations. Both entities part of Intercorp financial group.
- Superintendencia del Mercado de Valores (SMV)coreGovernment regulatory body supervising all mutual fund operations in Peru. Oversees compliance, financial reporting, and market integrity.
- Asociación de Administradoras de Fondos del Perú (AAFP)minorIndustry association for mutual fund administrators in Peru. Interfondos is a member, participating in industry standards and advocacy.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
Interfondos competitors and assessment
Company assessmentDirect peers
- Grupo Sura Asset Management (Sura Perú): Sura operates a major mutual fund and wealth management business in Peru under the Sura brand, directly competing with Interfondos for retail and corporate mutual fund clients across similar risk profiles and currencies.
- BBVA Asset Management Continental (Perú): BBVA's Peruvian asset management arm offers mutual funds distributed through BBVA's bank branches and digital channels — a structural analogue to Interfondos leveraging Interbank's network.
- Scotia Fondos (Scotiabank Perú): Scotiabank's Peruvian mutual fund subsidiary competes for retail and corporate mutual fund balances via its own branch network and digital channels, with a comparable multi-fund lineup.
- Credicorp Capital (Gestión Fondos): Credicorp Capital's Peruvian asset management business offers mutual funds and structured products to retail and institutional clients, leveraging the BCP group's distribution.
- Santander Asset Management (Perú): Santander's Peruvian asset management unit provides mutual funds distributed through Santander branches and digital channels, comparable in product breadth and bank-affiliated distribution model.
Broad incumbents
- Fidelity Investments: Global asset manager with broad mutual fund offerings across risk profiles; comparable as an incumbent in fund management, though it operates at vastly larger scale and a global footprint.
Others
- Profuturo AFP: Peruvian private pension fund administrator (AFP) that pools and invests mandatory retirement contributions; adjacent to mutual funds as a Peruvian retirement-savings pool but operates under a different regulatory regime.
- AFP Integra: Another Peruvian AFP under the Sura group; comparable as a domestic investment management pool for retirement savings but distinct regulatory framework from voluntary mutual funds.
Regional players
- BTG Pactual (Chile/Perú): BTG Pactual's Chilean and broader Latam asset management business offers mutual funds and wealth advisory; comparable in retail and institutional product design but primarily Chile-distributed.
- Larraín Vial Asset Management: Chilean asset manager with Latam-focused mutual fund strategies and wealth management services; similar business model but primarily Chile-focused with selective regional reach.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Interfondos social profiles
Digital presenceInterfondos financial estimates
Financial estimateRevenue estimate
Valuation estimate
Interfondos leadership team
Management profileNumber of profiles
Profiles11 records
Interfondos funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Interfondos M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Interfondos
What does Interfondos do?
Interfondos SAF is a Peruvian mutual fund management company offering 30+ mutual funds across conservative, moderate, and audacious risk profiles in both Soles and US Dollars. The company delivers professional fund management with diversified portfolios spanning fixed income, equities, ETFs, and alternative investments. Funds are distributed through the 100% digital ERNI platform (web and mobile app) and Interbank's 260+ physical branch network nationwide, serving 70,000+ clients with assets under administration exceeding S/4,500 million.
Is Interfondos a public or private company?
Interfondos is a private company. It is classified as corporate owned and is currently operating.
When was Interfondos founded?
Interfondos was founded in -1. It employs 51 to 100 people.
Where is Interfondos based?
Interfondos is headquartered in Lima, Peru, in the Latin America region.
How does Interfondos make money?
Four revenue lines are on record. Unified Fund Commission (Comisión Unificada) is the primary driver. The others are subscription Commission, transfer/Redemption Commission and transfer Operations.
Who are Interfondos's main competitors?
Direct peers on record are Grupo Sura Asset Management (Sura Perú), BBVA Asset Management Continental (Perú), Scotia Fondos (Scotiabank Perú), Credicorp Capital (Gestión Fondos) and Santander Asset Management (Perú). Fidelity Investments is listed as a broad incumbent. Others are Profuturo AFP and AFP Integra. Regional players are BTG Pactual (Chile/Perú) and Larraín Vial Asset Management.
Does Interfondos have an API?
No public API is recorded for Interfondos.
What industry is Interfondos in?
Interfondos's product category is Mutual Fund Management. Its primary akta.pro industry code is FSAEABAA, Registered Investment Advisor (RIA) Wealth Management. Its NAICS code is 523940 and its SIC code is 6282.