Mutual funds
For long-term goals: education, a home, retirement, or wealth that keeps compounding.
Mutual funds — all AMCs
Schemes from every mutual fund house in India, picked to suit your goal, your timeline and how much risk you're comfortable with. Transactions go through BSE StAR MF and need your own approval every time.
- Equity funds: large, mid, small, flexi and multi cap, sectoral and thematic
- Debt funds: liquid, money market, short duration, corporate bond, gilt
- Hybrid funds: balanced advantage, multi-asset, equity savings, arbitrage
- Index funds, ETFs, and gold and silver funds
- ELSS tax-saving funds (deduction under the old tax regime)
SIP — Systematic Investment Plan
A fixed amount invested every month, straight from your bank account. Start small, step it up as your income grows, and let the habit do the work through every market cycle.
From ₹500 a monthSTP — Systematic Transfer Plan
Have a lump sum, such as a bonus, maturity or property sale? Park it in a debt or liquid fund and move it into equity in fixed instalments, so you don't invest it all at one market level.
Freedom Plan — monthly income
Build a corpus with a SIP for a fixed number of years, then receive a monthly income from it through a Systematic Withdrawal Plan (SWP), while the rest stays invested. Useful for retirement, or a regular income for parents or children.
SIP now, monthly income laterPortfolio consolidation
Funds spread across apps, brokers and old folios, brought together in one place. We work out the capital gains and exit loads first, so you know the cost before anything is sold.
Fixed deposits & bonds
For the steady part of your money: regular interest, a known maturity date, and capital you can plan around.
Corporate fixed deposits
Rated deposits from leading NBFCs and housing finance companies, often at higher rates than bank FDs. You pay the same rate whether you go to the company directly or through us. Monthly, quarterly or yearly interest, or cumulative.
RBI Floating Rate Savings Bonds
Government of India bonds with a rate that resets every six months, linked to the NSC rate. Interest is paid half-yearly, with a 7-year term.
Sovereign · Floating rate54EC capital gain bonds
Sold a house or land at a long-term gain? Invest the gain within six months in 54EC bonds (REC, PFC, IRFC) to save capital gains tax. 5-year lock-in, up to ₹50 lakh in a financial year.
Capital gains exemptionCorporate bonds & NCDs
New issues and listed bonds from well-rated companies and PSUs, for fixed income at a set yield.
Tax-free & PSU bonds
Bonds bought on the exchange from earlier government-backed issues, with interest that is tax-free in your hands.
Structured products, AIF & PMS
For investors with larger amounts who understand the risks and the lock-ins. We only suggest these once the basics are in place.
MLDs & structured products
Market-linked debentures whose payoff depends on an index such as the Nifty. Some protect your principal against a fall in the market while still giving you a share of the upside.
Alternative Investment Funds (AIF)
SEBI-registered funds for private equity, venture capital, private credit and long-short strategies. Often closed-ended, with a lock-in.
Minimum ₹1 crorePortfolio Management Services (PMS)
A professional manager runs a portfolio of shares held in your own demat account.
Minimum ₹50 lakhUnlisted & pre-IPO shares
Help with buying and selling shares of unlisted companies, including legacy holdings recovered for families.
NPS, pension & income
Building the corpus while you earn, then turning it into income you can count on.
National Pension System (NPS)
Low-cost government pension scheme, Tier I and Tier II. An extra ₹50,000 deduction for your own contribution in the old regime. Employer contributions are deductible even in the new regime.
Individual & corporate NPSAnnuities & pension plans
Guaranteed lifelong income from life insurers, for yourself alone or for you and your spouse.
Monthly income plans
A mix of SWPs, monthly-interest FDs and bonds, so that your retirement income is regular and tax-efficient.
Senior citizen options
Senior citizen FD rates, the Senior Citizens' Savings Scheme and RBI bonds — compared side by side, so that you choose with the full picture.
Insurance
Protection comes first. We size the cover to what your family actually needs. Your premium is the same as buying directly, and we help you at claim time.
Health insurance
- Individual and family floater plans
- Senior citizen plans
- Top-up and super top-up cover
- Critical illness and cancer cover
- Personal accident cover
- Group health for employers
Life insurance
- Term insurance (pure protection)
- LIC and traditional savings plans
- Child education plans
- Pension and annuity plans
- Review of existing policies
What we check in a health policy
Before you buy, we go through each of these with you in writing:
- Co-pay or deductible: ideally none
- Room rent: a single private room or better, with no proportionate deductions
- Sub-limits: no caps on specific treatments such as cataract or knee replacement
- Waiting periods: for pre-existing illnesses and specific diseases
- Consumables cover: items that are otherwise not paid for
- Restore or recharge of the cover, and day-care procedures
- Cumulative bonus: the cover grows each claim-free year
Fire & property insurance
- Home insurance: building and contents
- Fire insurance for buildings and housing societies
- Shops, offices and clinics (package policies)
- Factories, godowns and stock
- Burglary, earthquake and flood add-ons
Liability insurance
- Professional indemnity: doctors, CAs, architects, consultants
- Public liability
- Directors' & officers' liability
- Cyber insurance for individuals and businesses
- Workmen's compensation
Motor insurance
- Car and two-wheeler: comprehensive and third party
- Zero depreciation and other add-ons
- Commercial vehicles
Travel & other cover
- Domestic and international travel
- Student travel cover
- Pet, gadget and other specialty covers
Services
The work around your money, so that nothing is missed.
Goal & retirement planning
A written plan for each goal, with its own timeline and an honest figure, reviewed together every year.
Income tax filing
Tax returns, old versus new regime, and capital gains statements. Charged separately, with the estimate shared first.
Unclaimed investments & IEPF
Old folios, forgotten shares and unclaimed dividends recovered for the family. How we do it →
Transmission & nominations
Moving investments to the family after a loved one's passing, and keeping nominations up to date so that your own family never has to.
One app for everything you own
An app and website login with a consolidated view of your mutual funds, FDs, bonds, shares, EPF, PPF, post office schemes and every insurance policy, including the ones you didn't buy through us.