Mutual funds offer a straightforward way to invest and grow your wealth. They are expertly managed investment funds designed to help you achieve your financial goals.
Investing in mutual funds is like having a financial expert manage your money. These funds gather investments from multiple individuals and invest them in a diversified portfolio of stocks, bonds, and other assets.
Types of Mutual Funds

• Equity Funds: Seek higher returns by investing in stocks.
• Debt Funds: Prioritize stability through bonds and fixed-income securities.
• Hybrid Funds: Find a balance between risk and return.
• Index Funds: Replicate market indices for broad market exposure.

Key Features

• Professional Management: Skilled fund managers make investment decisions.
• Diversification: Spread the risk by investing in various assets.
• Liquidity: Easily buy and sell fund units at your convenience.
• Transparency: Stay informed about the fund's performance.
• SIP Option: Invest regularly to build wealth steadily.

Mutual funds offer a simple, effective way to grow your wealth. Begin your investment journey today and secure a brighter financial future.

Portfolio Management Services (PMS) offer personalized investment strategies designed to meet your financial goals. With expert guidance and tailored portfolios, PMS helps investors navigate market fluctuations and achieve sustainable growth.

PMS involves managing your investments by professional fund managers who create a customized portfolio based on your risk tolerance and investment objectives. This service aims to maximize returns while minimizing risks, allowing you to focus on your financial future.

Types of Portfolio Management Services

• Discretionary PMS:
  • The fund manager has full authority to make investment decisions on your behalf.
  • Suitable for investors who prefer a hands-off approach.
• Non-Discretionary PMS:
  • You retain control over investment decisions, with the fund manager providing advice.
  • Ideal for investors who want to be actively involved in their investment strategy.

Features of Portfolio Management Services

• Personalized Investment Strategy: Tailored portfolios based on individual financial goals and risk tolerance.
• Expert Management: Professional fund managers with extensive market knowledge and experience.
• Regular Performance Monitoring: Continuous tracking and adjustment of portfolios to optimize performance.
• Comprehensive Reporting: Detailed reports on portfolio performance and market insights.

Start your journey towards financial growth today with our Portfolio Management Services. Contact us now to learn how we can help you achieve your investment objectives.

Alternative Investment Funds (AIFs) are a popular investment vehicle that provides opportunities to invest in assets beyond traditional equities and bonds. Designed for sophisticated investors, AIFs allow individuals to diversify their portfolios and access unique investment opportunities, including private equity, hedge funds, and real estate.

AIFs are categorized into various types, each with its own investment strategy and risk profile:

• Category I AIF:

  These funds invest in sectors that are considered economically and socially beneficial, such as start-ups, small and medium enterprises (SMEs), and infrastructure. They are generally less risky and have a lower return potential.

• Category II AIF:

  Category II AIFs are typically used for private equity investments. They do not have specific investment restrictions and focus on generating medium to high returns, albeit with a higher risk.

• Category III AIF:

  These funds employ diverse strategies, including complex financial instruments, to maximize returns. They tend to be more aggressive in their investment approaches, often involving higher risks and potential for significant returns.

The key features of AIFs include:

• Diverse Investment Opportunities:

  AIFs offer access to a wide range of asset classes, including real estate, commodities, and private equity, enabling portfolio diversification.

• Professional Management:

  Managed by skilled fund managers, AIFs leverage their expertise to identify and invest in high-potential opportunities.

• Regulatory Oversight:

  AIFs are regulated by financial authorities, ensuring compliance with established standards and protecting investors\\\\' interests.

• Customizable Strategies:

  Investors can choose AIFs based on their risk appetite and investment objectives, tailoring their investment strategies accordingly.

AIFs present a unique investment opportunity for sophisticated investors looking to diversify their portfolios and explore alternative asset classes. With the potential for higher returns and professional management, they can be an integral part of an investor\\\\'s strategy. Explore our AIF offerings today to start your investment journey!

Fixed Deposits (FD) are one of the most trusted investment options for individuals seeking stable and guaranteed returns with minimal risk. By investing a lump sum amount for a fixed tenure, you earn a pre-determined interest rate, ensuring your capital grows safely over time.

Types of Fixed Deposits:

• Standard Fixed Deposits: Offers fixed interest over a set period with guaranteed maturity value.
• Tax-Saving Fixed Deposits: Eligible for deductions under Section 80C of the Income Tax Act with a 5-year lock-in period.
• Cumulative Fixed Deposits: Interest is compounded and paid at maturity, ideal for long-term savings growth.
• Non-Cumulative Fixed Deposits: Provides regular payouts (monthly/quarterly) of interest for income-focused investors.
• Senior Citizen Fixed Deposits: Offers higher interest rates for individuals aged 60 and above.

Key Features of Fixed Deposits:

• Low-Risk Investment: Capital protection with assured returns makes FDs a reliable choice.
• Fixed Returns: Pre-decided interest ensures predictable earnings over the tenure.
• Tax Benefits: Tax-saving FDs offer benefits under Section 80C up to ₹1.5 lakh per year.
• Flexible Tenure: Choose from short-term (7 days) to long-term (up to 10 years) deposit periods.
• Loan Against FD: Avail loans or overdrafts against your FD without breaking it.

NIT Finserv brings you a curated selection of Fixed Deposit options from reputed financial institutions. Whether you aim for tax savings or simply want secure growth, we help you pick the right FD plan that aligns with your financial goals.

Life Insurance ensures your loved ones are financially secure even in your absence. It provides a death benefit and sometimes a maturity benefit, helping cover expenses, debts, or future financial goals.

Types of Life Insurance:

• Term Insurance: Pure protection plan with high cover at low premiums.
• Whole Life Insurance: Offers lifelong coverage with death benefits.
• Endowment Plans: Combines insurance with savings and a lump sum on maturity.
• ULIPs: Investment-linked plans with market exposure.
• Money-Back Plans: Periodic payouts during the policy term and maturity benefit.

Key Features of Life Insurance:

• Financial Protection: Provides peace of mind with life cover.
• Tax Benefits: Premiums eligible under Section 80C and 10(10D).
• Customizable Plans: Choose based on your income, family needs, and goals.
• Maturity Benefit: Some policies offer lump sum on survival.

Esdee Finmart helps you choose the right life insurance policy to secure your family’s future with confidence and clarity.

Our loan services provide individuals and businesses with access to necessary capital. Whether you are looking to finance a new venture, consolidate debt, or make a significant purchase, we have solutions designed to support your financial objectives.

Types of Loans Available
Personal Loans

• Unsecured Personal Loans: Borrow without collateral; ideal for personal expenses.
• Secured Personal Loans: Backed by assets, offering lower interest rates.

Home Loans

• Home Purchase Loans: Financing for buying a new home.
• Home Equity Loans: Borrow against the equity in your existing home.

Business Loans

• Term Loans: Fixed repayment over a specified duration for business expansion.
• Working Capital Loans: Short-term financing to support daily business operations.

Education Loans

• Undergraduate Loans: Funding for undergraduate studies.
• Postgraduate Loans: Financing for advanced degrees and professional courses.

Features of Our Loan Services

• Competitive Interest Rates: Attractive rates to ensure affordability and better repayment terms.
• Flexible Repayment Options: Customized repayment plans that suit your financial situation.
• Quick Approval Process: Fast processing and approval for timely access to funds.
• Transparent Terms: Clear and straightforward terms with no hidden fees.
• Dedicated Support: Expert assistance throughout the loan application process, ensuring a seamless experience.

With our diverse loan solutions, you can take confident steps towards achieving your financial goals. Whether it’s for personal needs or business expansion, we are here to help you find the right loan tailored to your circumstances. Connect with us today to explore your options and take control of your financial future.

Real Estate Sector Fractional Ownership Programme

This is a unique investment opportunity in the real estate sector. The fractional ownership model allows investors to own a portion of high-value commercial properties and earn attractive returns.

Key Benefits

• Fixed Yield: Earn a stable return of 8-9% annually from rental income.
• Capital Appreciation: Benefit from 5% yearly growth in top cities like Mumbai and Bengaluru.
• No Marketing Risk: Invest only in pre-leased commercial properties with assured rental income.
• Zero Operational Hassle: All property and tenant management handled by experts.
• Secure Investment: A-grade tenants, lock-in periods, and assets secured by the property itself.

Locations Covered

• Mumbai
• Bengaluru
• Coming soon in other major cities

Minimum Investment

Start your investment journey with as little as Rs. 10 Lakhs and enjoy the benefits of owning premium commercial real estate with minimal risks.

IPO is the process by which a private company offers its shares to the public for the first time. Investing in IPOs allows individuals to become early shareholders of companies entering the stock exchange.

Types of IPOs:

• Book Building IPO: Price is discovered based on investor demand.
• Fixed Price IPO: Shares offered at a pre-decided price.
• Mainboard IPO: Large companies listing on major exchanges.
• SME IPO: Small and Medium Enterprises entering the market.

Key Features of IPOs:

• Early Investment Opportunity: Invest in companies at the ground level.
• Listing Gains: Potential profit from the difference in issue and listing price.
• Long-Term Growth: Participate in the growth of emerging and established firms.
• SEBI Regulated: Transparent and well-regulated process for investor protection.

Esdee Finmart simplifies IPO investments with application support and expert research to help you invest with confidence.

Health Insurance covers medical expenses incurred due to illness, accidents, or hospitalization. It helps reduce the financial burden during medical emergencies by covering treatment costs and hospital bills.

Types of Health Insurance:

• Individual Health Plan: Covers medical expenses for a single person.
• Family Floater Plan: One policy for the entire family under a shared sum insured.
• Critical Illness Cover: Provides a lump sum for diagnosis of major illnesses.
• Senior Citizen Plan: Specialized coverage for those above 60 years.

Key Features of Health Insurance:

• Cashless Treatment: Avail treatment at network hospitals without upfront payment.
• Tax Benefits: Premiums eligible under Section 80D.
• Pre & Post Hospitalization: Covers related expenses before and after hospitalization.
• Annual Health Checkups: Many plans include free checkups once a year.

Esdee Finmart offers health plans from trusted insurers to ensure you and your loved ones stay protected and stress-free.

Unlisted Shares are shares of companies that are not traded on stock exchanges but can be bought or sold in the private market. They offer early investment opportunities in growing businesses before they go public.

Types of Unlisted Shares:

• Pre-IPO Shares: Stocks of companies planning to list on the exchange soon.
• Start-up Equity: Shares in early-stage companies with high growth potential.
• ESOP/Employee Stock: Shares sold by employees or promoters.

Key Features of Unlisted Shares:

• Early Access: Invest before the general public and gain from valuation growth.
• High Returns Potential: Target long-term gains from emerging businesses.
• Diversification: Broaden your portfolio beyond listed companies.
• Private Market Trading: Buy/sell through trusted intermediaries.

Esdee Finmart helps you explore and invest in high-quality unlisted shares with verified research and seamless execution.

Loan Against Securities allows you to borrow money by pledging your shares, mutual funds, bonds, or insurance policies as collateral, without liquidating them. It’s an efficient way to raise funds while continuing to earn on your investments.

Types of Securities Eligible:

• Equity Shares: Pledge listed shares for a line of credit.
• Mutual Funds: Both equity and debt mutual funds accepted.
• Bonds & Debentures: Use fixed-income securities for funding.
• Insurance Policies: Some life policies are accepted as collateral.

Key Features of Loan Against Securities:

• Quick Disbursal: Fast approval and funds credited with minimal paperwork.
• Retain Ownership: Continue to earn dividends or interest while using funds.
• Flexible Repayment: Interest-only or EMI-based repayment options available.
• Overdraft Facility: Withdraw funds as needed up to your limit.

Esdee Finmart offers flexible Loan Against Securities solutions at competitive interest rates, helping you meet your liquidity needs without disrupting long-term goals.

As an NRI (Non-Resident Indian) service provider, we understand the unique financial needs and challenges faced by individuals living abroad. Our NRI services are tailored to help NRIs effectively manage their finances, invest wisely, and achieve their financial goals. Here's how we can assist you:

1. Investment Advisory: We offer personalized investment advisory services to help NRIs make informed investment decisions. Whether you're interested in investing in Indian markets, global markets, or a combination of both, our expert advisors can provide guidance tailored to your risk tolerance, investment objectives, and time horizon.
2. Portfolio Management: Our portfolio management services are designed to help NRIs build and manage diversified investment portfolios aligned with their financial goals. We take a holistic approach to portfolio management, considering factors such as asset allocation, risk management, and tax efficiency to optimize returns and minimize risk.
3. Mutual Funds: We provide access to a wide range of mutual funds suitable for NRIs, including both Indian and international funds. Our mutual fund experts can help you select funds that match your investment preferences and risk profile, whether you're looking for growth, income, or a combination of both.
4. Insurance Solutions: We offer comprehensive insurance solutions tailored to the needs of NRIs, including life insurance, health insurance, and property insurance. Our insurance experts can help you find the right policies to protect yourself, your family, and your assets against unforeseen risks and emergencies.
5. Retirement Planning: Planning for retirement is essential, no matter where you reside. Our retirement planning services are designed to help NRIs create a customized retirement strategy that takes into account their unique financial circumstances, lifestyle goals, and retirement aspirations.
6. Tax Planning: We provide tax planning services to help NRIs optimize their tax liabilities and maximize tax efficiency. Our tax experts can help you understand your tax obligations in India and abroad, identify available tax-saving opportunities, and ensure compliance with relevant tax laws and regulations.
7. Estate Planning: Estate planning is essential for NRIs to protect their assets and ensure a smooth transfer of wealth to their heirs. Our estate planning services can help you create a comprehensive estate plan that addresses your wishes, minimizes taxes, and provides for your loved ones' financial security.
8. Real Estate Services: Whether you're interested in investing in Indian real estate or managing your existing property holdings, our real estate services can help. From property research and acquisition to leasing and property management, we offer end-to-end support to meet your real estate needs.

Overall, our NRI services are designed to provide comprehensive financial solutions and personalized support to help NRIs achieve their financial goals and secure their financial future, no matter where they are in the world.

Understanding Retirement Planning and Its Importance in Today's Scenario

Retirement planning is the process of preparing for life after paid work ends, not just financially but in all aspects of life, including lifestyle choices, health, and personal fulfillment. It involves setting retirement goals, estimating the necessary amount of money to achieve those goals, and investing to grow your retirement savings.

What is Retirement Planning?

Retirement planning encompasses a variety of financial strategies, such as saving, investing, and managing risks to ensure a secure and comfortable retirement. It requires assessing your current financial situation, defining your retirement needs, and creating a plan to bridge the gap between the two. Key components include:

• Setting Goals: Defining what you want your retirement to look like and what you need to achieve that vision.
• Saving: Regularly setting aside money into retirement accounts like 401(k)s, IRAs, or pension plans.
• Investing: Growing your savings through various investment vehicles to outpace inflation and build wealth over time.
• Risk Management: Protecting your savings through insurance and diversification.
• Income Planning: Ensuring a steady income stream through retirement investments and social security benefits.

Why Retirement Planning is Important in Today's Scenario

• Increased Life Expectancy: With advancements in healthcare, people are living longer, which means they need more savings to support a longer retirement period.
• Rising Healthcare Costs: Medical expenses can be a significant burden in retirement. Proper planning ensures you have enough funds to cover healthcare needs.
• Inflation: The cost of living continues to rise, eroding the purchasing power of money. Retirement planning helps combat this by growing your savings.
• Economic Uncertainties: Market volatility and economic downturns can impact your savings. A well-thought-out retirement plan can provide a buffer against such uncertainties.
• Lack of Pension Security: With the decline of traditional pension plans, individuals need to rely more on personal savings and investments to fund their retirement.

How Aarthshastra Can Help with Retirement Planning

Aarthshastra Investment Managers offers a range of services to help individuals navigate the complexities of retirement planning and achieve their financial goals. Here's how they can assist:

• Personalized Financial Roadmap: Aarthshastra begins by understanding your unique needs, risk tolerance, and life-stage goals. They create a tailored asset allocation plan and continuously monitor it to ensure it remains aligned with your changing circumstances.
• Wealth Creation and Management: They provide strategies to build and manage wealth over time, ensuring your investments grow to meet your retirement needs.
• Risk Mitigation: Aarthshastra offers risk mitigation strategies to protect your investments from market volatility and economic downturns, ensuring a stable financial future.
• Succession Planning: They assist with planning the smooth transfer of wealth to the next generation, preserving your legacy and minimizing potential conflicts among beneficiaries.
• Tax Optimization: Effective tax planning is crucial for maximizing retirement savings. Aarthshastra helps you navigate tax inefficiencies and optimize your financial strategies to enhance your retirement portfolio.

By partnering with Aarthshastra, you can benefit from expert guidance and a comprehensive approach to retirement planning, ensuring a secure and fulfilling retirement.