Fixed Income Solutions

Fixed Income Products are essential tools to design right asset allocation & create diversification from Market linked Investments due their secured low risk return offering. We offer a complete range of Fixed Income Products to empower you to find suitable options in line with your long-term objectives.

• Debt Mutual Funds
  Debt Mutual Funds mainly invest in a mix of debt or fixed income securities of different time horizons according to the fund's investment objective. Debt funds offer plenty of investment choices for investing. One should choose the debt funds based on their expected time frame of investment, credit quality of debt fund portfolio, investment corpus/size of debt fund & fund managers track record.
• Bonds & Debentures
  A Bond is a debt instrument utilized by private companies, government agencies, and financial corporations to draw additional capital from the public. These instruments act as a secured loan, offering investors a specified interest rate, interest payment date and a commitment to repay the loan amount upon maturity.
  
  Debentures, akin to bonds, are debt instruments issued by private companies with specific funding objectives. Unlike bonds, debentures lack collateral, urging investors to diligently assess the creditworthiness of issuers before committing funds. NCD are a popular debenture choice.
  
  Investors seeking low-risk options can find solace in bonds, whereas those pursuing higher returns may lean towards debentures.
• Corporate Fixed Deposits
  Offered by non-banking financial companies (NBFCs) or private corporations. Used by companies to raise debt capital. They are not covered by deposit insurance, posing higher risk to investors. They usually offer higher rates than bank fixed deposits.
• Debt Structure/PMS & AIF
  Today there are many options to invest in debt-oriented structures, PMS and AIF. They generally provide better returns as compared to Debt MF & other fixed income options, but at same time are more complex, have restricted liquidity.

Insights & Investor Awareness Program (IAP)

• Markets Insights & Updates
  Financial Markets are Dynamic & Short-Term Volatility in Inevitable. So, we try to keep close track on what is happening and share with our clients to enhance their knowledge and hence financial discipline in the long run.
  
  We keep you abreast of trends in the world of wealth management services in India and are proactive in identifying new and innovative solutions to enable you to make smarter choices.
  • Market Commentary
  • In the Press
  • Investment Outlook 2021

Insurance – Life & Non-Life

• Life Insurance
  Life Insurance, beware of widespread mis-selling We Believe in only Pure Term Insurance as Right Life Insurance Product. We do not Recommend Investment-Oriented Insurance Plans. They involve many complexities, offer inferior returns due to high charges and have low financial planning merit. Only goal of Life Insurance should be to safeguard surviving family members in case of death, accident, or incapacity of earning members. Strangely, Life Insurance is being mostly sold in India for saving & wealth creation. One can blame willful ignorance of respective agencies, blame insurance companies, or may be investors themselves as they want all in one quick solution by signing one page product.
• Term Insurance}
  Term insurance plans are the only type of insurance plans which are designed solely for protection purposes. Against the high levels of sum assured available, the premiums charged are affordable. Term insurance should be the first step towards financial planning.
• Annuity Plan
  Provides Guaranteed Income, But Leaves No Flexibility An annuity is basically an insurance contract in which you pay the financial institution either in a lump sum or a series of payments and the company promises to pay you back regular payments right away or in the future. With an immediate annuity, you can immediately start receiving payments. Deferred annuity enables you to receive payments after a decided stipulated period.
• General Insurance
  Our goal is to help you buy the right & cost-effective non-life policy. General insurance protects against the unforeseen losses and damages other than those covered by life insurance.
• Health Insurance
  Hospitalization and medical emergencies are tough to handle not only physically & mentally, but also financially. Can be taken for an individual or for your family as a Family Floater Health Insurance Plan. Premium of medical insurance keeps on changing hence it is critical to regularly review your policy.
• Home/Property Insurance
  Along with your home, property insurance protects the valuables and other assets against potential threats like burglary, theft, fire, and natural disasters.
• Motor Insurance
  Motor insurance gives protection to the vehicle owner against damages to his/her vehicle & also pays for any Third-Party Liability determined as per law against the owner of the vehicle. 
• Travel Insurance
  Travel insurance can be taken to cover medical eventualities, and non-medical contingencies such as loss of baggage, trip delay and other incidental expenses.
• Personal Accident Insurance
  Provides financial protection in event of injuries, death or disablement caused from accident.

Loans & Debt Management

We have tie up with different institutions to offer you loans for every need. Whether you are looking at buying a new home, adding on to your house or looking to finance a new car, business funding, student loan or personal loan, we are here to help.

• Loans – Owning Asset versus Interest Trap
  Loans help us in building assets & comfort at the cost of interest paying. It is always tricky to choose between the dream of buying assets and worrying about paying hefty interest. One needs to assess the following question before taking loans.
  • Am I taking good or bad debt?
  • How much debt is too much regarding my net worth?
  • What tenure should I opt for the loan?
  • How much of a percentage loan should be to your Income?
  • Should I avoid certain Loans?
  • What is the best interest rate?
  We will answer all the above questions to you in detail, so as you can assure or stop yourself from taking out a loan. We continuously analyze the best loan offer from banks and NBFCs to find the best alternative for you.
• CIBIL/ Credit score
  We also help you find and improve your CIBIL/ Credit score.

NRI Services

We fully understand the challenges faced by Non-Resident Indians in managing their matters back home. We offer comprehensive range of services to simplify your financial journey & other requirements. We arrange expert guidance & ensure adherence to all Indian laws and regulations for NRI transactions.  Our mission is to be a world class global services provider to NRIs and OCIs.

• Complete Financial Services
• Estate Planning
• Health /Medical insurance & Comprehensive travel insurance!
• Legal documentation Needs
• NRI - Elder Care Services
• Taxation Services (Income Tax, Wealth Tax, DTAA, etc.)
• India Real Estate Investment
• India Home Loans & Other Loans
• PAN CARD Applications
• OCI Card Application