Services
Our Services
Investment Solutions
Invest With Purpose
Investing is not simply about looking for the highest return.
A structured investment approach considers:
- Goal
- Time Horizon
- Risk Capacity
- Asset Allocation
- Suitable Investment
- Review
Mutual Funds
A Mutual Fund is an investment vehicle where money from multiple investors is pooled and invested in a portfolio of assets such as shares, bonds, government securities, money-market instruments or a combination of these.
The fund is managed by professional investment managers, while investors own units in the fund. Mutual funds can provide diversification and access to professionally managed portfolios. However, mutual fund investments are subject to market risks and returns are not guaranteed.
Mutual Fund Solutions
- SIP — Systematic Investment Plan
- STP — Systematic Transfer Plan
- SWP — Systematic Withdrawal Plan
- Lump-Sum Investments
- Goal-Based Investing
- Step-Up SIPs
- Wealth Creation
- Children's Education Planning
- Retirement Planning
- Regular Income Planning
Mutual fund categories may include:
- Equity Funds
- Debt Funds
- Hybrid Funds
- Multi-Asset Funds
- Index Funds
Fixed Income Solutions
Fixed Income as Part of a Diversified Portfolio
Our fixed-income product offerings include:
- Government Securities
- Corporate Bonds
- Public Sector Undertaking Bonds
- Debentures
- NCDs
- Fixed Deposits
- Recurring Deposits
Fixed-income investments have different characteristics relating to return, liquidity, credit risk and interest-rate risk and should be considered according to individual requirements.
Retirement Planning
Plan Today for the Life You Want Tomorrow
Retirement planning is more than accumulating a corpus. It involves preparing for the transition from earning income to generating income from accumulated resources.
We help you consider:
- Retirement corpus
- Retirement age
- Inflation
- Longevity
- Regular income requirements
- Existing investments
- Changing financial needs
Retirement Solutions
- Mutual Funds
- Retirement Funds
- NPS
- SWP
- Other Investment Solutions
Insurance Solutions
Protect What You Build
Investments can help build wealth. Insurance helps provide financial protection against unforeseen events.
A sound financial approach therefore considers:
- Wealth Creation
- Financial Protection
Life Insurance
Protect Your Family's Financial Future
Life Insurance primarily protects the financial future of dependants in the event of the insured person's death.
It can help address financial responsibilities such as:
- Children's education
- Family living expenses
- Outstanding loans
- Future financial goals
- Spouse's financial security
- Estate and succession planning
Types of Life Insurance
- Term Insurance
- Endowment Plans
- Whole Life Plans
- Unit Linked Insurance Plans — ULIPs
Health Insurance
Protect Your Health. Protect Your Savings.
A major illness or accident can create significant medical expenses and potentially affect years of accumulated savings.
Health Insurance can provide financial support for covered hospitalisation and eligible medical expenses, subject to the policy's terms, conditions, exclusions and limits.
Health Insurance Solutions
Individual Health Insurance
Health cover designed for an individual.
Family Floater
A common sum insured for covered family members.
Senior Citizen Health Insurance
Health insurance solutions designed for senior citizens.
Critical Illness Cover
A specified benefit upon diagnosis of covered critical illnesses, subject to policy terms.
Top-Up Health Insurance
Additional health cover above a specified deductible, subject to policy terms.
Financial Planning
Every Family Needs a Financial Plan
Financial planning helps you manage your money today while preparing for tomorrow.
It can help you:
- Manage income and expenses
- Build savings
- Plan financial goals
- Prepare for emergencies
- Manage debt
- Build financial security
- Make informed investment decisions
Goal-Based Financial Planning
Give Every Financial Goal a Purpose
Children's Education
Plan and invest systematically for future education expenses.
Home Purchase
Structure savings and investments around your home-buying objective.
Retirement
Build resources for your post-retirement years.
Marriage & Family Goals
Prepare financially for significant future commitments.
Wealth Creation
Build long-term wealth through disciplined investing.
Regular Income
Plan structured withdrawals when income from investments is required.
Children's Future
Start Planning for Tomorrow, Today
A child's future involves long-term financial commitments. Starting early can provide more time to build resources for future education and other important milestones.
Our Approach
- Goal Identification
- Time Horizon
- Investment Strategy
- Regular Review
Our financial planning solutions include children's education planning and long-term investments.
Specialised Investment Solutions
Beyond Traditional Investment Options
Depending on suitability, financial objectives and eligibility, our broader investment solutions include:
- PMS — Portfolio Management Services
- AIF — Alternative Investment Funds
- SIF — Specialized Investment Funds
- NPS
- ETFs
- GIFT City Investment Solutions
- Bonds and Fixed Income Products
These products may involve different levels of risk, complexity, eligibility requirements and investment conditions.
Tax & Estate Planning
Plan Your Wealth. Protect Your Legacy.
Financial planning may also involve understanding tax implications and considering how accumulated wealth may be transferred to loved ones.
Areas include:
- Tax-related financial planning
- Estate planning considerations
- Wealth transfer
- Succession-related financial requirements
Tax treatment depends on prevailing laws and individual circumstances.
Ramachandran Kothanath is an AMFI Registered Mutual Fund Distributor (ARN-284604), not a SEBI-registered investment adviser. We earn commission from asset management companies on the schemes we distribute. We do not charge you a fee for distribution, and we do not guarantee returns. Insurance is distributed under a separate IRDA registration. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.