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We are a financial advisory firm, which provides advisory services to Individual, Corporate and high net worth investors for need-based investment into Mutual Funds & other investment services. We are associated with a leading investment management company, who are in the financial markets, since the very beginning and have emerged as leading distributors of financial products in India. We recommend investment products after carefully analyzing our client's needs in terms of liquidity, risk taking ability and expectation of return from their investment.+ Read More

Nature of Business

Service Provider

Mutual Fund Services

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The mutual funds are becoming the most popular investment vehicle offering various kind of schemes with different investment objectives. We believe that investments through mutual funds is one of the most safest, easiest and onvenient way of successful investment making. The investments are in congruence to the laid down investment objectives securing the goals & objectives of the unit holders.

A plethora of mutual fund schemes with different features, makes the right choice for an investor difficult.

We have a dedicated task force to analyse the different schemes of mutual funds across various parameters on an ongoing basis. An arduous process with strict disciplinary levels is followed before offering any product, scheme or recommendation as we believe that we are morally bound as trustees to our clients investments.

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Fixed Deposit

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Fixed deposits are normally unsecured loans issued by corporates, banks ,financial institutions and others.

The companies to fund their short term requirements or other financial requirements borrows from the general public and provides a better rate than the banks. 
The company enters into a contract with the depositor, wherein the company has an 
obligation to pay the interest payment & principal at a pre-determined time & at a pre- specified rate

The main difference between a fixed deposit and a bond is, the bonds are transferable instruments whereas fixed deposits are non transferable. Hence apart from interest earnings fixed deposits cannot offer capital appreciation as the same can be surrendered only to the issuer before its maturity.

In case of a premature withdrawal by the depositor, the depositor gets his capital back at a 1% lesser rate than the contracted rate. The premature withdrawal is only possible after a minimum holding of six months. The company fixed deposits in India are governed by the company law board and the Reserve Bank of India

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How to Invest

Lump sum payment to be made at the time of investment. The certificates are issued in the denomination of Rs.100, Rs.500, Rs.1,000, Rs.5,000, Rs.10,000 and other denominations as may be notified by the Central Government.

 

Limit on investment

Minimum investment required is Rs.100. There is no limit on maximum investment.

 

Period of investment

6 years.

 

Return on investment

The rate of interest is 8% p.a. compounded half-yearly, payable on maturity. Rs.100 invested becomes Rs.160.10 at maturity.

 

Premature encashment

Premature encashment can be done only in following circumstances :

- On the death of holder or any of joint holder

- On forfeiture, by a pledge being a Gazetted Government Officer

- When ordered by court of law.

 

Place of encashment

The certificate shall be encashable at the Post Office at which it stands registered. These can be encashed anywhere in India by getting the same transfered free of cost.

For transfer request form click here

 

Who can purchase

Any individual can either singly or jointly minors and trusts.

 

Nomination facility

Nomination facility is available.

 

Tax benefits

The investment amount qualifies for deduction under section 88 of the Income Tax Act. The interest accruing annually but deemed to be invested will also qualify for tax deduction under section 88 of Income Tax Act. The interest earned is also entitled to exemption under section 80L of Income Tax Act.

 

KISAN VIKAS PATRA

 

Limit of Investment

There is no limit on maximum investment.The minimum investment is Rs.100

 

Return on Investment

The investment doubles itself in 8years & 7months The Kisan vikas patras can be prematurely encashed at any time after 2 years and six months. For an investment of Rs. 1000/-, the returns are as per the chart given below :

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Fixed Depsoits

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Fixed deposits are normally unsecured loans issued by corporates, banks ,financial institutions and others.

 

The companies to fund their short term requirements or other financial requirements borrows from the general public and provides a better rate than the banks.

The company enters into a contract with the depositor, wherein the company has an

obligation to pay the interest payment & principal at a pre-determined time & at a pre- specified rate

 

The main difference between a fixed deposit and a bond is, the bonds are transferable instruments whereas fixed deposits are non transferable. Hence apart from interest earnings fixed deposits cannot offer capital appreciation as the same can be surrendered only to the issuer before its maturity.

 

In case of a premature withdrawal by the depositor, the depositor gets his capital back at a 1% lesser rate than the contracted rate. The premature withdrawal is only possible after a minimum holding of six months. The company fixed deposits in India are governed by the company law board and the Reserve Bank of India

View Complete Details

Yes, I am interested!

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Get in touch with us

Reach Us

Adiraaj Financial PlaannersShop No.4, Mahavir Umang C.H.S. Near Vikas Complex, Kolbad Road, Mahavir Umang Chs, Thane-400601, Maharashtra, India

Meena (Manager)

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