Mutual Funds
Mutual Fund is a trust that pools savings of number of investors having common financial goals for investing in a particular manner by professional managers. It makes it possible for investors to assume risks in the expectation of higher returns.

• Regulated: Mutual Funds are regulated by SEBI, to safeguard the investor's interest.
• Tax Benefits: No long term Capital Gain Tax – if units held for more than 1 year. Taxfree dividends.
• Liquidity: Most open-ended funds redeem within 3 working days at the current NAV.
• Convenience: Easy to invest and easy to redeem.
• Risk Diversification: Diversified portfolio leads to risk control, investments across various industries & stocks.
• Flexibility: Offers features like systematic investment plan, systematic transfer plan & systematic withdrawal plan. Most funds allow switching between funds, e.g. from debt to equity etc.
• Transparency: Declaration of NAV daily and disclosure of portfolio on regular basis.
• Professional Management: Funds are managed by proficient fund managers

• We meet your need:
  We believe every individual has specific needs and priorities. Your needs could vary from buying a house, providing for your child’s education, getting your child married, and so on. All your needs are very important for us. We can help in fulfilling your dreams by assisting you to select the schemes, which would be in consonance with your needs.
• We work towards building an Investment culture:
  It would be our constant endeavour to inculcate saving and organised investing habit in you. We will help you plan your investments and build a healthy mutual fund portfolio, which would be an optimal solution for your needs. Cultivating an investment culture will not only help you but also your family.
• We can be your ‘One Stop Financial Solution’:
  Apart from subscribing to mutual fund schemes through us, you can also take advantage of our banking services and whole range of financial products, like Saving and Current a/c, ATM card, personal loan product, depository services, loan against units \ shares etc. and see your financial needs satisfied under one roof
• We recommend what is best for you ‘Equity Funds’:
  Equity funds which mainly consist of stock investments are the most common type of mutual funds. There are various recommended equity schemes in our bouquet of funds. The selection of these funds is based on combination of qualitative and quantitative evaluation of the Indian Mutual Fund universe by a reputed research agency. The selection is reviewed and revised every month. Our team of Relationship Managers provides research based guidance, as per your individual risk profile and requirements. We help you plan for your retirement, preserve your legacy and manage your present and future wealth.

SIP - Systematic Investment Plan:
The Systematic Investment Plan (SIP) is a simple and time honored investment strategy for accumulation of wealth in a disciplined manner over long term period. The plan aims at a better future for its investors as an SIP investor gets good rate of returns compared to a one time investor. SIP ensures averaging of rupee cost as consistent investment ensures that average cost per unit fits in the lower range of average market price.

• With SIP one can start investing as soon as the earning is started. Investing a portion of the income one can meet the greater expenses of life at a later stage.
• Investing through SIP works with greater power of compounding with significant impact on wealth accumulation.
• Investment through SIP minimizes the effects of volatility of market over the return.

ELSS- Equity Linked Saving Schemes:
Equity funds which mainly consist of stock investments are the most common type of mutual funds. There are various recommended equity schemes in our bouquet of funds. The selection of these funds is based on combination of qualitative and quantitative evaluation of the Indian Mutual Fund universe by a reputed research agency. The selection is reviewed and revised every month. Our team of Relationship Managers provides research based guidance, as per your individual risk profile and requirements. We help you plan for your retirement, preserve your legacy and manage your present and future wealth.

• Main advantage of ELSS is its short lock-in period of only 3 years.
• Since it is an equity linked scheme earning potential is very high. It gives the investor the option of saving tax while participating in the growth of the capital market.
• Investor can opt for dividend option and get some gains during the lock-in period
• Investor can opt for Systematic Investment Plan in ELSS
• Some ELSS schemes also offer personal accident death cover insurance