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About Us

We at our company provide our expertise in Asset Conversion Creation with a clear understanding of clients Risk appetite and growth requirements. We offer our services for both Investors as well as Financial Distributors. Do explore our web based services & enjoy the best in Financial Advisory.+ Read More

Nature of Business

Retailer

Total Number of Employees

Upto 10 People

Year of Establishment

2000

Legal Status of Firm

Individual - Proprietor

Annual Turnover

Rs. 10 - 25 Crore

Products & Services

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Tax Planning Services

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here is more to tax planning than exemptions available on savings. With our advice, you will pay the right amount of tax, not more and not less. You will also know how to tax proof your incomes and gains. After all, your capital is more productive in your hands and it can work wonders for you if planned properly.

We guide you in the Planning & managing your finances and achieving your financial goals. Basic planning starts with Tax planning as good tax planning can increase the take home salary. These investments can also cater to a few of your needs if this is well planned. Tax planning is not restricted only to tax savings investments (Section 80C). There are several other components E.g HRA, Home Loans, LTA, Re-imbursements, etc to reduce the taxable income

Our advice

By careful planning, one can reduce tax liability substantially.
Declaring at the start of the FY is most important
Don’t wait for last minute. Start in April and use monthly investments to reduce risk. It will be easier on your pocket as well.
Try and achieve tax planning and also planning for your needs simultaneously
Use tax efficient investment avenues. You should not be paying too much tax on their returns

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Life Insurance Services

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he cheapest and the most basic, this is a no-frills life cover that should be one of your first financial instruments. Being a pure insurance cover, it does not return your money if you survive the policy term.

If you don't, the sum assured is paid to your dependents. So, buy only if you have financial dependents, or you expect to have dependents in the future. If you expect to have dependents till a later stage of your life, look for a plan that has a high maturity age.

Most term plans provide cover till 60-65 years of age. Few even offer plans till age 75.
As there is no surrender or maturity value in these, you should settle for the one with the lowest premium and the longest term.

Since they are simple, term plans can be easily compared on the basis of price and the cover period. Search for a quote from at least four to five companies before buying one.
Recently, a few variants have been introduced in term insurance.

ING Vysya Life Insurance has launched limited premium paying term (PPT) plans. In these, you have to pay a higher premium in the initial years to cover the premiums for the entire term, after which you stop paying altogether. If you think, you can afford higher premiums only for a few years, this plan will make sense for you.

However, it has its drawbacks. In the event of death in the initial years, you would end up paying much more than what you would have paid till that time under a normal plan.

Also, if at any point you want to discontinue the plan in the absence of dependents, you would have paid for the entire term in any case. Switching to a lower cost plan would also be hindered.

DLF Pramerica's Family Income Plan has come up with another innovation. Unlike a conventional protection plan, where the dependants receive a lumpsum, the plan allows you to choose the monthly financial support system.
Under this, your dependents would be paid on a monthly basis till the end of the plan term.

Important

Keep the highest possible term
Keep the maturity age as long as possible
Talk to 4-5 insurers or visit their websites to get premium rates
Choose the plan that has the lowest premium at your parameters
Undergo medical tests, if required
Keep the nominees informed
Pay premiums every year

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Mutual Funds Service

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Mutual Funds are financial instruments. These funds are collective investments which gather money from different investors to invest in stocks, short-term money market financial instruments, bonds and other securities and distribute the proceeds as dividends. The Mutual Funds in India are handled by Fund Managers, also referred as the portfolio managers. The Securities Exchange Board of India regulates the Mutual Funds in India. The unit value of the Mutual Funds in India is known as net asset value per share (NAV). The NAV is calculated on the total amount of the Mutual Funds in India, by dividing it with the number of units issued and outstanding units on daily basis.

Benefits of Investing in Mutual Funds

Any one who is aware of stock market is not new to mutual funds. Mutual funds have gained in popularity with the investing public especially in the last two decades following are some of the primary benefits.

1. Professional Financial Experts

2. Diversifying Risk

3. Low Cost

4. Liquidity

5. Variety of Investment

Types of Mutual Funds

1. Equity Funds

2. Debt or Income Funds

3. Balanced Funds

4. Liquid Funds

5. Index Funds

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Financial Planning Services

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Financial planning is a long-term process of wisely managing your finances so that you can achieve your goals and dreams. These goals may include Buying a house Saving for your child's education Your daughter's marriage Buying a car Eventually planning for retirement
How to Make Financial Planning Work for You?
Set realistic goals - Set realistic goals. Set specific targets of what you want to achieve and when you want to achieve results. Be quantitative wherever possible. You may dream of your goals but be in touch with ground reality. Not all can be a Rockefeller.
Understand Risk and Return - Understand that there is no free lunch. Risk and return are interrelated. Set reasonable objectives. Do not expect high yield investments not to carry any additional risk, they usually do. Most people underestimate the stress of a high-risk plan on its way down. In most cases its better to be safe than sorry.
Review your Plans - Once the plan has been implemented, it requires a periodic review. This is imperative to adjust the plan to the changing situation in one's life, financial situation and income levels.
Start Early in Life - There is a myth that financial planning is for the elderly. The earlier you start financial planning the better of you will be in achieving your life's goals. It's more advantageous to save small amounts of money at a younger age than to wait till one is much older to save large sums.
Execute the Plan on time - Financial planning is a perishable commodity. What is available today may be gone tomorrow. Speed and timeliness of execution makes the difference between a millionaire and an average performer. If you have doubts about your ability to execute the plan in a timely.

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Postal Scheme-Monthly Income Scheme

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Safe & sure way to get a regular monthly income.

Specially suited for retired employees/ Senior Citizens or any one with high sum for investment .

Rate of interest 8.5%

Maturity Period - Five Years.

No Bonus on Maturity w.e.f. 01.12.2011 .

Auto credit facility to SB Account.

Type of Account	Minimum limit	Maximum limit
Single	INR 1500/-	INR 4.5 lakhs
Joint	INR 1500/-	INR 9 lakhs

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Postal Scheme-Recurring Deposit

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Any individual (a single adult or two adults jointly) can open an account.

Advance Deposits earn rebate.

Four defaults are allowed.

Rate of interest 8.40%

Defaults can be paid within two months.

Part withdrawal facility available.

Premature closure allowed after three years.

Pay Roll Savings Scheme is also available for employees of various Establishments.

Type of Account	Minimum Deposit	Maximum Deposit
Individual Account	INR. 10/- and in multiples of INR. 5/- thereafter	No limit.

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Postal Scheme-Senior Citizens Savings Scheme

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	A new avenue of investment and return for Senior Citizen.
	The account may be opened by an individual,
		Who has attained age of 60 years or above on the date of opening of the account.
		Who has attained the age 55 years or more but less than 60 years and has retired under a Voluntary Retirement Scheme or a Special Voluntary Retirement Scheme on the date of opening of the account within three months from the date of retirement.
		No age limit for the retired personnel of Defence services provided they fulfill other specified conditions.
	The account may be opened in individual capacity or jointly with spouse.
	Non-resident Indians (NRIs) and Hindu Undivided Family (HUF) are not eligible to open an account.
	The individual may open one or more account in the multiple of INR.1000/-,subject to a maximum limit of INR.15 lakh.
	No withdrawal shall be permitted before the expiry of a period of five years from the date of opening of the account. The depositor may extend the account for a further period of 3 years.
	Premature closure of account is permitted
		After one year but before 2 years on deduction of 1 ½ % of the deposit.
		After 2 years but before date of maturity on deduction of 1% of the deposit.
	In case of death of the depositor before maturity, the account shall be closed and deposit refunded without any deduction along with interest.
	Interest @ 9.30% per annum from the date of deposit on quarterly basis. Interest can be automatically credited to savings account provided both the accounts stand in the same post office.
	Interest rounded off to the nearest multiple of rupee one.
	Post Maturity Interest at the rate applicable to the deposits under Post Office Savings Accounts from time to time is admissible for the period beyond maturity.
	Nomination facility is available in the Scheme.
	The investment under this scheme qualify for the benefit of Section 80C of the Income Tax Act, 1961 from 1.4.2007.

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Postal Scheme-15 Years Public Provident Fund

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Ideal investment option for both salaried as well as self employed classes.

Non-Resident Indians (NRIs) not eligible.

Investment up to INR. 1,00,000 per annum qualifies for IT Rebate under section 80 C of IT Act.

The rate of interest on the subscriptions made to the fund on or after 01.12.2011 and balances at credit of the subscriber in the existing PPF account shall bear interest at the rate of eight point eight per cent (8.80%) per annum.

Loan facility available from 3rd financial year upto 5th financial year. The rate of interest charged on loan taken by the subscriber of a PPF account on or after 01.12.2011 shall be 2% p.a. However, the rate of interest of 1% p.a. shall continue to be charged on the loans already taken or taken up to 30.11.2011.

Withdrawal permitted from 6th financial year.

Free from court attachment.

An individual cannot invest on behalf of HUF (Hindu Undivided Family) or Association of persons.

Type of Account	Minimum limit	Maximum limit
Public Provident Fund (Individual account on his behalf or on behalf of minor of whom he is the guardian)	INR. 500/- in a financial year	INR. 1,00,000/- in a financial year.

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