Financial Product Distribution & Wealth Management Services

We are a young team, working on Virtual Estate Creation, Wealth Management Services, Key Performing Asset Allocation and Financial Product Distribution with an exposure of more than 18 years in relevant arenas.

Our Mission is to provide flexibility, support and total commitment to our customer’s financial goals.

Our Vision is facilitating our clients to protect and manage their Wealth and Financial Responsibilities.

Fidelity is our Capital. 

The Importance of Financial Planning...........              

? Life Before 1920 - Life expectancy was 48 years

? Life before 1940 - Life expectancy was 55 years

? Life before 1960 - Life expectancy was 60 years

? Life before 1980 - Life expectancy is 80 years

? Life after 1985 - Life Expectancy is 85 years

But Retirement is always between 50-60 years. Overall the conclusion is “Longer Expectancy in future will mean more money required in retirement compared to today.

Increase in Dependency Ratio...........

                      Dependency ratio means the ratio of Old age population vs Young population.

Take total population above Age 60 and divide it with population between 15 yrs – 60 yrs and you will get Dependency Ratio. Research Data communicates that right now in 2011 ,

the dependency ratio is around 5% in India, but in year 2030 this ratio will rise to 13% , which shows you that more and more people are going to be in the old age group compared to young population .

Lack of proper Social Security System...............

? No Free Medical Facilities for Senior Citizens

? Senior Citizen’s good health Care is very costly in India

? Free Pensions not available from Government

Things which should happen at Retirement..........

? Retired Person Should be Owner of own house.

? Retired Person should have Adequate health cover.

? Retired Person Major liabilities should be closed.

? Retired persons should Create a Emergency fund to meet any contigency.

? Retired Person sould create a Retirement corpus for steady flow of money.

Decide how much income you require to live comfortably in your post-retirement years.... 

? Minimum 1 Lakh rupees will be required per month 20 years from today.

? Basic Life Requirement - Rs 30000

? Medicines- Rs 20000

? Mediclaim- Rs 20000

? Emergency Fund- Rs 10000

? Lifestyle- Rs 20000

Products we deal with...........                                                                                         

Mitigate Your Risk. Protect your Physical & Intelectual Properties. 

Professional Liability Insurance for Doctors, Management Consultants, Chartered Accountants, Lawyers and Professionals. 

Marine Insurance for Exporters, Traders etc. 

Public Liability Insurance for Industrial & Non-industrial Liabilities. 

Product Liability Insurance for Medicine, Packaged Food and Drinks, Mechanical Equipment, Chemical etc. 

Employee’s Compensation Insurance for Indemnity against legal liabilities to employee. 

Industrial All Risk Insurance for Fire, Burglary, Machinery Breakdown, Business interruption etc. 

We also cover Fidelity Guarantee Insurance, Earthquake Insurance, Jeweler’s Block Insurance, Shopkeeper’s Insurance, Engineering Insurance, Contractor’s All Risk Insurance, Mediclaim etc......

Credits

Loan Against Property (LAP) ...........

Loan against Mortgage of Residential Property.

i)  Children′s Education / Marriage

ii)  Purchase of another Property.

iii) Business Expansion.

Loans to Professionals........

Purchase/ Extension/ Modification / Renovation of Commercial Premises for carrying on own Professional Practice & Purchase of Equipment to Residential Indians.

Loan Against Rental Securitization.........

Financial assistance is provided for companies – Listed/Unlisted against the security of Commercial property, Office premises, already owned/to be purchased with the help of the loan. Loan is provided for the properties which is completed in all respects.

Loan Against Securities........

Loans against Fixed Deposit of Nationalized Banks, Life Insurance Policies having surrender value and Post office instruments like National Savings Certificates, KisanVikasPatra. Loan up to 95% of face value of liquid security or surrender value in case of Life Insurance Policies.

Loan to Builders and Developers..........

Loans to Builders/Developers for developing and constructing Residential / Commercial Premises. Construction Finance Loan, Term Loan.

Housing Loan for Residential Indians & NRIs.........

85% of total cost of the property for loans up to 20 Lacs; 80% of total cost of the property for loans above 20 Lacs and up to 75 Lacs ;75% of total cost of the property for loans above 75 lacs. For NRI persons with Professional Qualification – 20 years and for others – 15 years

Loans to Pensioners........

Loans may be availed for purchase, construction, extension of House / Flat. Persons whose age is 50 or more and having a pension scheme after retirement may apply for loan under this scheme. An undertaking letter that the entire loan oratleast 30 % or an amount as decided by the Area Office will be repaid out of the retirement benefits is required. The balance is to be repaid from the Pension Income. The amount of Principal to be repaid at the time of retirement will depend on the Pension amount the applicant is eligible after retirement. The term of the loan will be up to 15 years or 70 years of age whichever is earlier.

We provide services related to Property Registration, Mutation, Property Taxation, GST, Income Tax, Registration of Company.

Virtual Estate, Mutual Fund, NCD, LIC, KPA Management .....................

Connect us on 8335880703 or Write us to [email protected]?