Investments

Mutual Funds: Your Path to Financial Freedom

Versatile, Reliable & Secure

Mutual Funds
National Pension System (NPS)
Bonds
SIP Calculators

Mutual Funds

It is an investment vehicle where multiple investors come together and pool their funds. This pooled money is then invested by the fund manager across various asset classes including equity, debt, gold, and other securities to generate returns. The gains and losses incurred from such investments are divided among investors in the proportion of the share of investment.

Why Mutual Funds?

Professionally Managed

One of the key advantages of investing in these funds is that your money is handled by professional managers with years of investment expertise.

Liquidity

It is the ease of buying and selling an investment. Mutual Funds offer superior liquidity compared to some of the other instruments as you can buy and sell them anytime you want.

Returns

Like any investment product, the performance of these funds are measured in terms of the kind of returns they deliver. Historically, mutual fund returns have been higher than the returns delivered by other traditional investment options like Bank FDs, RDs, PPF, etc.

Affordability

You can start your investments in these funds with as low as ₹ 500. Therefore, you don't need large sums to start investing.

Diversification

As mutual funds invest in a basket of stocks, bonds, etc., you can own a diversified portfolio even with a small investment amount, this helps reduce risk as well.

Well Regulated

Mutual fund schemes are regulated by the SEBI. The tight regulations ensure transparent processes and protect the investors' interests.

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National Pension System (NPS)

The National Pension System (NPS) Investment Plan is a government-backed retirement savings initiative. Indian citizens, including NRIs, can invest in NPS to build a substantial corpus for retirement. It allows individuals to invest in a pension account during their working years. Also, it gives the flexibility to choose different investment options managed by professional fund managers and offer market-linked returns on the investments. The NPS also comes with tax benefits, making it an attractive retirement-planning tool for individuals. NPS investment aims to provide financial stability during post-retirement years.

Benefits of investing in NPS

Tax Benefits

The NPS provides tax benefits under Section 80C & Section 80CCD(1B) of the Income Tax Act. By investing in NPS, you can avail a deduction of up to Rs. 1.5 lakhs under Section 80C, along with an extra deduction of up to Rs. 50,000 under Section 80CCS(1B).

Simplicity

NPS is also known for its cost-effective approach to investment management. The fees and charges associated with NPS are relatively lower compared to many other investment options, making it an attractive choice for long-term investors.

Low Cost

NPS is also known for its cost-effective approach to investment management. The fees and charges associated with NPS are relatively lower compared to many other investment options, making it an attractive choice for long-term investors.

Flexibility

NPS provides flexibility in choosing the investment options, allowing investors to align their portfolios with their risk tolerance & investment preferences. You can select your preferred investment option or opt for the Auto choice.

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Bonds

Bonds are high-security debt instruments that allow entities such as companies, governments, and municipalities to raise funds from individual investors for a specified period. Issued in primary markets, the funds collected from these bonds support business operations and infrastructural projects. Investors buy bonds at face value, which is repaid at the end of the term, and receive periodic interest payments at fixed or adjustable rates. Bondholders have legal and financial claims on the issuing entity's debt, ensuring they are repaid the full face value before stakeholders if the entity faces bankruptcy, thus providing a secure investment option.

Types of Bonds

Fixed-Interest Bonds

  • Fixed-interest bonds are debt instruments that accrue consistent coupon rates throughout their tenure. These predetermined interest rates benefit investors with predictable returns on investment irrespective of alterations in market conditions.

 

  • Creditors have the benefit of being aware of the receivable interest amount periodically within the long term investment schedule.

Floating-Interest Bonds

  • These bonds incur coupon rates, which are subject to market fluctuations and elastic within their tenures.


 

  • The return on investment through interest income is thus inconsistent as it is determined by market factors such as inflation, condition of the economy, and confidence of investors in an entity’s bonds.

Inflation Linked Bonds

  • Inflation-linked bonds are special debt instruments designed to curb the impact of economic inflation on the face value and interest return. The coupon rates offered on inflation-linked bonds are usually lower than fixed-interest bonds.


 

  • ILBs thus aim to reduce the negative consequences of inflation by adjusting coupons concerning prevailing rates in the debt market.

Perpetual Bonds

  • Perpetual bonds are fixed-security investment options whereby issuers do not have to return the principal amount to the purchaser. This investment type does not have any maturity period, and customers benefit from steady interest payments for perpetuity.


 

  • These debt instruments are also called ‘consol bonds’ or ‘perp’.
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SIP Calculator

A SIP calculator is a tool that helps individuals estimate the returns on their mutual fund investments made through Systematic Investment Plans (SIPs), which have become popular among millennials. These calculators provide potential investors with an estimate of their investment returns, though actual returns may vary due to factors like exit loads and expense ratios. The SIP calculator calculates wealth gain and expected returns for monthly SIP investments, offering a rough estimate of the maturity amount based on a projected annual return rate, but does not account for all possible fees.

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Our Insurance Partners

Frequently Asked Questions

You’ve got questions, we’ve got answers!

What mutual funds do you offer?

We offer a variety of mutual funds, including equity, hybrid debt oriented scheme

You can invest in our mutual funds through our online platform or by speaking with one of our financial advisors.

No, you can start investing with small amounts of money.

It depends on your knowledge and risk tolerance. Individual stocks can offer higher returns but carry higher risk. Mutual funds offer diversification and lower risk but may have lower potential returns.

The duration depends on your goals. Long-term investments, like retirement savings, are typically held for 5 years or more, while short-term investments may be held for less than a year.

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Insurance is the subject matter of the solicitation. For more details on policy terms, conditions, exclusions, limitations, please refer/read policy brochure carefully before concluding sale.

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Office no. 20-21, 4th Floor, City Centre Building, Ashok Nagar, Udaipur, Rajasthan- 313001

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