Oswal Dhan Pvt Ltd

Vastrapur, Ahmedabad, Gujarat

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Oswal Dhan Pvt Ltd - Service Provider of wealth management services, investment planning services & retirement planning services in Ahmedabad, Gujarat.

Nature of Business

Service Provider

Legal Status of Firm

Limited Company (Ltd./Pvt.Ltd.)

Annual Turnover

Rs. 2 - 5 Crore

GST Number


Wealth Management Services
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Wealth is a result of a recognized opportunity. At Oswal Dhan, we understand this and work with you to plan and manage your financial opportunities. With our expertise and commitment we will guide you to help you realize the long term objectives of your wealth.

Wealth management is more than just investment advice, as it can encompass diverse range of services, such as financial planning, investment management, tax planning and cash flow and debt management, based on client requirements.
Understanding  your financial profile :
Our financial process starts with understanding you – your background, risk tolerance, existing investment pattern and investment objectives. This detailed client profiling helps us to understand your risk return profile and this is kept in mind while building your portfolio.
Building your portfolio :
On the basis of your risk profile, investment horizon, existing investment and wealth requirement, we draw a suitable asset allocation plan for you. From the wide range of investment options and depending on the asset allocation, we make an investment plan tailor-made for your specific requirements.
Executing the plan :
The investment plan comprising of investment in Debt, Equity, Structured Products and other asset classes is then executed.
Maintaining your portfolio :
Your investment is monitored periodically and rebalanced according to the asset allocation.
Reviewing your portfolio :
As your investment preferences and financial goals change over a period of time, your portfolio is reviewed with you periodically to discuss and implement if any changes are required to be made in the investment strategy or asset allocation.
Mutual Funds :
Oswal Dhan Wealth management offers you advice on the wide range of mutual funds available. So be it equity funds , where you look for growth and capital appreciation or debt funds where you look for capital preservation, We help you choose from 35 fund houses and 1000 schemes, depending on your investment objective and investment horizon.
Structured Products :
These are products available to match your specific objectives like portfolio management services, equity or index linked products
Alternate Asset classes :
These include investment in Gold Funds, Real Estate Funds, Private Equity Funding with the aim to diversify your portfolio and complement your existing portfolio.
Life Insurance :
We work out how much insurance cover you should have and suggest Insurance Plans which are inexpensive and best suit your needs.
Equity Broking :
Equity is an asset class that has given maximum returns over the years and cannot be ignored. We help you pick good stocks at low value and build a portfolio that has the potential to create wealth.
Fixed Income Products :
We help you choose from a wide variety of Fixed Income products with good credit ratings.

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Investment Planning Services
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Investment planning means how the surplus funds are to be invested. The most common mistake which most of the investors make is that they are not clear about the purpose of the funds and also when they are going to use the fund. This leads to wrong selection of the product. Either you invest long term funds in short term product or you invest short term funds in long term product.
We help you to plan your surplus fund in such a way that it is linked to your financial goal keeping in mind your risk profile.
To demonstrate how we do investment planning, it can be shown by an example.
If you want to buy asset of Rs.5 Lacs after 5 years, How much do you need to save per month to reach to your goal?

Type of Investor

Return Assumed

Product Recommended

Lump sum amount
required to be saved

Monthly savings required








Balanced Fund





Equity Fund



The above table clearly shows that that amount required to be save lump sum or on monthly basis is function of type of investor and hence on the return assumed. The product recommended would be the function of type of investor.

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Retirement Planning Services
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This is the most important component of the overall financial planning and the most neglected by investor. The investor either thinks that he has lot of time for retirement or he underestimates the retirement corpus. The earlier you plan for your retirement the better it is which is clearly shown in the table given below.
Assume that there are 2 investors, one is aged 30 and the other is 45. The current monthly income for the person with age 30 is Rs.25,000 and the person with age 45 is Rs.40,000.
Assuming inflation of 6%, retirement age 60 years and life expectancy of 85 years. Assuming long term return of 12%.
AgeCurrent Monthly Income (in Rs.)Retirement Corpus (in Cr.)Monthly Savings Required



2.31 Cr.




2.06 Cr.


Thus the person at the age of 45 requires Rs.41,365 for his retirement corpus while the person at  age 30 requires only Rs.6,618 for his retirement corpus which clearly shows that earlier the better.

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Tax Planning Service
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Tax Planning Service

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We help you to buy investment product keeping in mind your tax bracket. The product is selected in such a way that you get maximum post tax return.
We also help you in investing in various tax saving options so that your tax on total income can be minimized.
We also help you to explore various options so that income can be distributed among the family members and hence the total tax can be minimized.
Which investment product to be selected does not depend on interest rate but on what will be the post tax return. For example : Product A  gives 10% taxable return and  Product B gives 8% tax free return. Assuming the investor is in 30% tax bracket. Post tax return for Product A works out to be 7% and for Product B is 11.43%



Income Type

Post Tax Return

Pre Tax Return








Tax Free



So clearly Product B is better because  the Post Tax return is more than Product A.

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Insurance Plan Services
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Insurance Plan Services

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The insurance is always sold and not bought. Most of the investors are over insured or under insured. The investors also lack clarity on the policies they buy often leading to buying wrong policies and also lack of understanding of various clauses of policies.
We help you to buy appropriate insurance policies that suit your requirement and also after studying the existing policies in your portfolio.
We also help in determining the right amount of insurance based on  theories like HLV (Human life value), need based approach etc.
We also recommend that investment and insurance should not be mixed. One should buy pure insurance (Term Insurance) from insurance company and the investment portion should be managed by Mutual fund companies.

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Estate Planning Service
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Estate Planning Service

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Estate planning refers to the process of building a bridge from one generation to the next one by passing on one’s assets.
Estate planning distributes the real and personal property to an individual’s heirs.
Estate is the total property, real and personal, owned by an individual prior to distribution through Trust or Will. Real property is real estate and personal property includes everything else, for example cars, household items, and bank accounts.
In India, estate planning is generally perceived to be for the rich or wealthy, who have enough cash, property or valuables to leave behind for their loved ones. The middle class can barely make ends meet, they would tell you, leave alone the lower income groups.
Estate Planning helps our private clients to articulate & implement their vision for succession & continuity of the family wealth during their lifetime.
In our endeavor to be a one stop boutique private wealth group in India, we realize that there is a need not only for wealth creation but also for wealth preservation which requires a dedicated Estate Planning practice for our clients. Our in-depth experience in continuity of family wealth helps us to visualize the specific needs of each client family and come up with tailor-made solutions.
Following are the levels of our services:-
  • Estate Plan Advisory
  • Preparation of Wills
  • Trust Formation

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Mutual Funds
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Mutual Funds

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What is Mutual Fund
A Mutual Fund is a pool of money, collected from investors, and is invested according to certain investment objectives.
Advantages of Mutual Fund :
  1. Portfolio Diversification
  2. Professional management
  3. Reduction in risk
  4. Reduction in Transaction costs
  5. Liquidity
  6. Convenience and Flexibility
Mutual Funds offer wide variety of Funds depending on the investment horizon and risk capacity of the investor.
Debt Fund
  • Liquid Fund
  • Liquid Plus Fund
  • Accrual Debt Fund
  • Corporate Bond Fund
  • Dynamic Bond Fund
  • Banking & PSU Fund
Hybrid Fund (Mixture  of  Debt and  Equity)
  • Equity Income fund
  • Dynamic Asset Allocation
  • Balanced Fund
Equity Funds
  • Large Cap Fund
  • Large & Mid Cap Fund
  • Multi Cap Fund
  • Value Fund
  • Focused Fund
  • Mid Cap Fund
  • Small Cap Fund


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National Pension System
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National Pension System

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Contribution in Tier-I

1. Employee/Subscriber’s contribution: Additional deduction
up to Rs.50,000/- under Sec 80 CCD(1B) available over
and above Rs.1,50,000/- under Sec 80 C
2. Employer’s contribution: Deductible up to 10% of salary
(Basic + DA) as additional deduction under section

Accretion in Tier-I


Withdrawal from Tier-I
(including accretions)

1. Amount used to purchase annuity is Tax exempt. (Minimum 40%)
2. Residual Amount of the Retirement Corpus withdrawn TAXFREE.


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