Other Services

Our Corporate Debt Syndication and Restructuring Service provides comprehensive financial solutions to optimize your business's capital structure. We specialize in arranging syndicated loans from multiple lenders, offering flexible terms and competitive rates to meet large-scale funding needs. Our restructuring services help revitalize your financial stability by renegotiating debt terms, reducing costs, and improving cash flow. With a focus on strategic planning, we ensure a seamless process, from assessing your requirements to executing tailored solutions. Backed by industry expertise and strong lender networks, we enable businesses to manage debt effectively, achieve growth, and navigate financial challenges with confidence.

Insurance is an important risk management tool that can protect you and your family from financial hardship caused by unfortunate events . We work with you to identify your risks and implement a cost-effective risk management program that has been developed with your specific circumstances and requirements in mind.

Our insurance recommendations include Insurance For

·  Life Insurance

·  Health Insurance

·  Personal Accident Insurance

·  Critical Illness Cover

·  Travel Insurance

·  Motor Insurance

If you have existing insurance policies, it is important to realize that both over-insuring and under-insuring can be costly. We will review all your existing policies and ensure that you are appropriately and adequately Insured .

The loss of earnings and dent in wealth basket can be experienced with the death, disability, critical illness or long period of hospitalization and its clear impact is seen on the financial well-being. Planning for covering all such possible risks through insurance  always turns out to be fruitful as well as satisfactory to policyholder.

Instead of considering insurance planning as an absolute tool towards the overall financial planning, we often misunderstand it by calling an investment. Already where our daily lives remain unpredictable with uncertainties including an absolute loss of income, critical illness or even with disability, why not look forward for the attainment of absolute peace of mind  through an effective insurance planning technique.

Whenever you think of making investment, three things should come on top of your mind – Risk Profiling, Products and Asset Allocation. Along with these – cash-flow situations, investments already made, net-worth and  are equally important to consider before deciding where should your hard-earned money get invested into.

RISK PROFILING –  Knowing ourselves well is more important than choosing products first. Risk Profiling helps in doing that. By carefully answering a well-researched set of questionnaires, your risk appetite can be known. This may not remain constant forever with changing dynamics of micro and macro-economic factors. Hence, it is important to go back and re-assess after regular interval.

PRODUCTS –  There are many investment products available in the market. The first check should always be that the product must be regulated by a govt. appointed regulatory body. Next, you must consider the suitability. All products are good in their own context and with a certain section of investors. Whether the same suits you or not, depends on your risk profile, investment horizon, liquidity needs and taxation aspect. Also, there are certain products which cater only to a particular section of society, e.g. resident individuals, senior citizens, girl child etc.

ASSET ALLOCATION – We should not put all eggs in one basket i.e. not all our money in one single investment product or category. Distributing our investments into poorly correlated asset classes often saves us from big losses and is expected to generate a steady return. Asset allocation must be re-aligned or re-allocated at regular intervals. There are investment products available which aim to inculcate this very principle of asset allocation in the way they are managed. Otherwise, custom asset allocation can always be done.

Our Project Finance Service provides tailored financial solutions to support large-scale projects across various industries. From infrastructure and energy to manufacturing and real estate, we assist in structuring and securing the necessary funds for project development. Offering competitive rates, long-term financing options, and flexible repayment plans, we ensure your project’s financial stability and growth potential. Our expert team evaluates project viability, mitigates risks, and facilitates seamless execution with end-to-end support. With transparent terms and a client-centric approach, we empower businesses to achieve their strategic objectives. Trust us to be your reliable partner in bringing ambitious projects to life.

Making holistic investment choice  is always preferred than making random investments. This can be achieved if every investment made is linked to a certain purpose. There are life’s goals which are critical to achieve. That includes – retirement fund accumulation, child’s higher education and marriage etc. Choice of products also depend a lot on the linked goal.

The key to accumulate retirement fund in time  is to start at earliest. It is not necessary to start with a bang. You can start with small amounts and increase it as your salary/income increases. Also, if you start early and you have time with you, you can gain advantage of high returns and maximize your investments by investing in equities or equity mutual funds.

Child’s future goals  changes in form and size every now and then. Hence it should be tackled by taking help from experts as and when needed. Making assumption about future cost of education involves considering inflation rate of education  cost as realistic as possible. Higher studies within India or abroad costs differently based on stream of education and choice of institutes. Funding the cost of marriage  of your children also requires prudent steps to be taken at the earliest. As such critical goals come close, the asset allocation should also change accordingly. 

Tax planning  involves optimizing your wealth creation and protecting your health, life and assets while aligning all these with existing provisions in our tax laws . This should also consider all your sources of income. Tax planning should never be done in isolation. Tax saving just for the sake of utilizing an available section often leads to bad financial decisions. Tax planning should always get linked to overall financial planning paradigm of yours. There is a subtle difference between paying minimum possible tax  and saving maximum possible tax. We always prioritize the former.

We make it a top priority to first calculate your tax liability and then look for ways to save tax while achieving various financial goals. Businesses and individuals pay the lowest amount of taxes allowable by law because we continually look for ways to minimize your taxes throughout the year  and not just at the end of the year.

With the growing complexity and diversity of available options for tax planning purposes, it is important that we critically examine and bring across to you all the options available in the present investment market to optimize post tax return  and choose the most suitable for you so that you live a stress-free life.

Some common tax saving options available for individuals can be exercised while planning the below mentioned activities:

·  Creation of long-term wealth

·  Taking life insurance cover

·  Opting for health insurance cover and health check-up

·  Availing home loan for buying property

·  Getting higher education financed for self/children through education loan

·  Donating for a charitable cause

Tax planning  involves optimizing your wealth creation and protecting your health, life and assets while aligning all these with existing provisions in our tax laws . This should also consider all your sources of income. Tax planning should never be done in isolation. Tax saving just for the sake of utilizing an available section often leads to bad financial decisions. Tax planning should always get linked to overall financial planning paradigm of yours. There is a subtle difference between paying minimum possible tax  and saving maximum possible tax. We always prioritize the former.

We make it a top priority to first calculate your tax liability and then look for ways to save tax while achieving various financial goals. Businesses and individuals pay the lowest amount of taxes allowable by law because we continually look for ways to minimize your taxes throughout the year  and not just at the end of the year.

With the growing complexity and diversity of available options for tax planning purposes, it is important that we critically examine and bring across to you all the options available in the present investment market to optimize post tax return  and choose the most suitable for you so that you live a stress-free life.

Some common tax saving options available for individuals can be exercised while planning the below mentioned activities:

·  Creation of long-term wealth

·  Taking life insurance cover

·  Opting for health insurance cover and health check-up

·  Availing home loan for buying property

·  Getting higher education financed for self/children through education loan

·  Donating for a charitable cause

Wealth is an abundance of variable material resources. The meaning of wealth is not straightforward. Wealth is basically a person’s net worth. Wealth can be explained as assets minus liabilities.

Handling wealth properly is a discipline that incorporates investment portfolio management and a number of other financial services. It is a professional service that encompasses all parts of a person’s financial life.  Investors must have already accumulated a proper amount of wealth for wealth management strategies to be efficient and effective. This service is designed to focus on high-net worth customers. We use our experience in reviewing investment portfolio, estate planning, risk management practices to manage the holdings of high-net-worth client.

This is an integrated process for helping clients manage their wealth. It involves huge and wide range of services that depend upon each investor but the condition is that services should include investment management, financial goal attainment strategies, retirement portfolio, estate planning, tax optimization, debt management and cash flow.

Features and benefits:

·  Allows customer to review risk profiles and overall investment portfolio.

·  Track holdings against model portfolios for returns.

·  Tax optimization strategies and estate planning services are also provided.

·  Specific products from PMS and AIF space are picked and chosen.

·  Provides dynamic research across products and asset classes.

·  State-of-the-art technology platforms are made available to you.