Wealth Advisory

"Would you tell me, please, which way I ought to go from here?'
'That depends a good deal on where you want to get to,' said the Cat.
'I don't much care where -' said Alice.
'Then it doesn't matter which way you go,' said the Cat.
'- so long as I get SOMEWHERE,' Alice added as an explanation.
'Oh, you're sure to do that,' said the Cat, 'if you only walk long enough.”

Lewis Carroll, Alice in Wonderland


For the majority of people, Life is simply like above. Since we do not know where we want to go, we wander. However Financial needs are real and they need to be fulfilled at the time required.

While we cannot plan when the emergencies will arise, however we all can plan to have the funds required for the emergencies shall be available. Besides these we need to plan for major expenses like funding for House, Children's Education, Children's Marriage and funding for Retirement.

We work towards achieving all of these. Just like a Doctor diagnoses the symptoms, we take a snapshot of your Finances viz. your Current Income, Assets and Liabilities. Based on the same and your Risk Capability & Risk Appetite, we recommend the best Strategy and Asset Allocation to achieve your Financial Goals. We also monitor the same to ensure that they on track and also suggest a course correction if so needed. Since you have shifted this onus on us, you can be free to Relax and Enjoy the pleasures of Life.

We offer you services for Proper Asset allocation in multiple asset classes viz Real Estate, Debt , Equity & Bullion.

Instead of Saving We will help you Invest your hard earned money and make it multiply.

However we prefer to play it prudent so that there is no significant anxiety on your part as an investor. We take calculated risks so as to help your Monies grow at significant rates.

The key to the entire investing game plan is Asset Allocation. Different asset classes have different characteristics and different risk reward ratio as below.


INVESTMENT MAJOR TYPES OF INVESTMENTS LIQUIDITY RISK / VOLATILITY RETURNS A/G INFLATION TAXATION BENEFITS
Investments in Business This is your net working capital in your business MEDIUM MEDIUM BEATS INFLATION NO
Real Estate Investments Commercial Residential Real Estate, REITS LOW MEDIUM BEATS INFLATION SOME BENEFITS
Fixed Rate Investments FD, Post Office Deposits, PPF , EPF, Bonds, Debt Mutual Funds etc. MEDIUM LOW Lower than INFLATION NO
Equity Market Investments Shares, Equity Mutual Funds HIGH HIGH BEATS INFLATION YES
Gold Physical Gold, Jewellery, Gold ETF, Gold Bonds HIGH MEDIUM AT PAR WITH INFLATION NO
Cash Hard Cash, Amounts in bank, Other Currencies. Liquid MF HIGH ZERO LOWER THAN INFLATION NA

This is a broad framework and all Asset classes have some advantages and disadvantages. It is our advice to have each Asset Class in your Portfolio to take the benefits.

Depending upon the each Family’s requirement and factors such as Income, Current Asset allocation, Goals and Aspirations, we work to have a roadmap to help you achieve them.

The most important task to achieve any milestone is to START. Let us begin to achieve “Financial Nirvana”

We offer you Life Insurance products of HDFC life Insurance, offering best in class Insurance Products.

HDFC Life is one of the leading life insurance companies in India offering a range of individual and group insurance solutions that meet various customer needs such as Protection, Pension, Savings & Investment and Health, along with Children’s & Women’s Plan.

The Following is the range of Insurance Products Available:


Protection Plan HDFC Click2 Protect Plus
Health Plans HDFC Life Easy Health Plan
HDFC Life Cancer Care Plan
YoungStar Plan HDFC Life Youngstar Udaan
HDFC SL Young Star Super Premium
Retirement Plan HDFC Life Assured Pension Plan
HDFC Life Click to Retire
Savings & Investment Plans HDFC SL Crest
HDFC SL ProgrowthFlexi
HDFC Progrowth Super II
HDFC Life Sampoorn Samriddhi
HDFC Life Uday
Woman Plans HDFC Life Smart Woman Plan
HDFC SL Youngstar Super Premium

\We offer you a range of other Products as below :


  1. Taxfree Bonds
  2. Taxable Bonds
  3. IPO
  4. We offer a variety of High Credit Rated Company Fixed Deposits .

    • HDFC
    • MNM Finance
    • PNB Housing Finance
    • LIC Housing Finance
    • Bajaj Finance
    • Shriram Unnati
    • DHFL etc.
      • Please view Dashboard for the Current rates
  5. Capital Gain 54EC Bonds :

    We offer you 54 EC bonds of NHAI & REC for you to offset the Long Capital Capital gains made

  6. Housing Loans

    We offer wide range of Housing Finance products that are designed to address variety of financing needs in the shortest possible time.

    These products are available for different types of clients e.g. salaried. Self employed, professionals, NRI’s etc.

    Few important feature of Home loans offered by us

    • Tie up with multiple MNC Banks, Private Sector Banks and HFCs
    • Hassel Free Processing.
    • Lucrative offer for balance Transfer (BT) & top-up requirements
    • Maximum Home Loan tenure for resident and nonresident individuals
    • Best competitive rate of interest
    • Competitive processing fees.
    • Services at your doorstep

    Some of our current tie ups include

    • HDFC
    • Standard Chartered Bank
    • Axis Bank
    • Reliance Housing Finance
    • PNB Housing Finance and many others
  7. Loans against Property

    We offer a wide range of Mortgage products that are designed to address a variety of financing / working capital / personal needs for SME’s, Professionals, Self employed in a shortest possible time.

    Important features of Mortgage Loans offered by us:

    Tie up with multiple MNC/ Private Sector Banks & NBFCs

    • Hassle Free Processing
    • Balance Transfer & Top up Available
    • OD against property facility available
    • Maximum possible tenure.
    • Most competitive rate of interest
    • Competitive processing fees
    • Service at your doorsteps

    Lease Rental Discounting (LRD)

    We offer loan against rental income on properties leased with corporate clients

    • Maximum consideration of Lease tenure and rent discounting
    • Most competitive rate of interest