OUR SERVICES

What are Mutual Funds?

Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, and other securities. They offer professional management and diversification even for small investors.

Key Benefits:

• Professional fund management
• Diversification across various assets
• Affordable investment options (SIPs available)
• Transparency and regulation
• Liquidity with easy redemption

Who should invest?

Ideal for investors seeking professional management, diversification, and those with limited time or expertise to manage their own portfolio.

What is Term Insurance?

Term insurance provides pure life cover at affordable premiums. It offers financial security to your family in case of your untimely demise during the policy term.

Key Benefits:

• High life cover at low premiums
• Financial security for dependents
• Tax benefits under Section 80C and 10(10D)
• Optional riders for critical illness, disability, etc.
• Flexible policy terms

Who should consider?

Essential for anyone with financial dependents – especially income earners with family responsibilities.

What is Health Insurance?

Health insurance covers medical expenses arising from illnesses, accidents, and hospitalization. It protects your savings from unexpected healthcare costs.

Key Benefits:

• Cashless hospitalization at network hospitals
• Coverage for pre and post hospitalization expenses
• Tax benefits under Section 80D
• Cover for critical illnesses
• Option for family floater plans

Who should consider?

Everyone – medical emergencies can affect anyone at any time. Essential for families, seniors, and individuals without employer-provided coverage.

What is P2P Investing?

Peer-to-peer lending connects investors directly with borrowers, eliminating traditional financial intermediaries. It offers potentially higher returns than fixed deposits.

Key Benefits:

• Higher potential returns than traditional fixed income
• Diversification across multiple borrowers
• Regular interest payments
• Online platform convenience
• Short to medium investment horizons

Risk Considerations:

P2P lending carries credit risk. Diversification across multiple borrowers is essential to mitigate this risk.

What are Fixed Instruments?

Fixed income instruments include fixed deposits, bonds, and debentures that provide regular interest income and return of principal at maturity.

Types of Fixed Instruments:

• Bank Fixed Deposits
• Corporate Fixed Deposits
• Post Office Schemes
• Company Bonds
• Government Securities

Key Benefits:

• Predictable returns
• Capital protection
• Regular income stream
• Lower risk compared to equities
• Tax benefits in some instruments

What are Bonds & Debentures?

Bonds and debentures are debt instruments issued by corporations and governments to raise capital. They provide fixed interest income and are generally less volatile than stocks.

Key Features:

• Regular interest payments (coupon)
• Fixed maturity date
• Priority over equity in case of liquidation
• Credit ratings available for risk assessment
• Secondary market liquidity

Types Available:

• Government Bonds
• Corporate Bonds
• Tax-Free Bonds
• Convertible Debentures
• Infrastructure Bonds

Comprehensive Loan Solutions

We offer various loan products with competitive interest rates and flexible repayment options tailored to your specific needs.

Loan Types:

• Home Loans – For purchase, construction or renovation
• Personal Loans – For emergencies, travel, or weddings
• Education Loans – For domestic and international studies
• Business Loans – For working capital or expansion
• Loan Against Property – For leveraging your real estate
• Vehicle Loans – For cars and two-wheelers

Our Advantages:

• Competitive interest rates
• Quick processing and disbursal
• Flexible repayment tenures
• Minimal documentation
• Customized solutions

What is Loan Against Mutual Funds (LAMF)?

Loan Against Mutual Funds allows you to borrow against your mutual fund holdings while keeping your investments intact and continuing to benefit from potential market growth.

Key Benefits:

• Access liquidity without selling investments
• Continue earning potential returns on your MF holdings
• Quick disbursal with minimal documentation
• Competitive interest rates
• Flexible repayment options

How it Works:

You pledge your mutual fund units as collateral and receive a loan amount typically up to 50-60% of the current value of your holdings.

What is NPS?

National Pension Scheme is a social security initiative launched by Government of India. Investors can get tax benefits upto 2 LPA under Sections 80C and 80CCD. This scheme has delivered 8-10% of returns in the last decade.

Key Features:

• Additional tax deduction of ₹50,000 under Section 80CCD(1B)
• Choice of investment options (Equity, Corporate Bonds, Government Securities)
• Low-cost pension scheme
• Portability across jobs and locations
• Regular pension after retirement

Who should invest?

Ideal for all Indian citizens between 18-65 years looking for a retirement planning solution with tax benefits.

What is SWP?

Systematic Withdrawal Plan allows you to withdraw a fixed amount from your mutual fund investments at regular intervals while the remaining corpus continues to grow.

Key Benefits:

• Regular income stream
• Potential for capital appreciation on remaining amount
• Flexibility to choose withdrawal amount and frequency
• Tax efficiency compared to other income options
• Ideal for retirement planning

Who should consider?

Retirees needing regular income, individuals with large lump sum amounts seeking periodic withdrawals, or anyone needing systematic cash flow from investments.