• Financial Planning

    In finance, investment is putting money into an asset with the expectation of capital appreciation.

  • Mutual Funds

    When it comes to the world of investing, three words come to mind: overwhelming, intimidating, and scary.

  • Time for changes

    Bottoms in the investment world don't end with four-year lows; they end with 10- or 15-year lows.

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Financial planning



Financial planning is the process of assessing financial goals of an individual, taking an inventory of the money and other assets which the person has, determine life goals and then take necessary steps to achieve goals in the stipulated period. It is a method of quantifying a persons requirement in terms of money.

It is the process of meeting life goals through the proper management of finances. Financial planning is a process that a person goes through to find out where they are now (financially), determine where they want to be in the future, and what they are going to do to get there. Financial Planning provides direction and meaning to persons financial decisions. It allows understanding of how each financial decision a person makes, affects the other areas of their finances. For example, buying a particular investment product might help to pay off mortgage faster or it might delay the retirement significantly. By viewing each financial decision as part of the whole, one can consider its short and long- term effects on their life goals. People can also adapt more easily to life changes and feel more secure that their goals are on track.

In simple, Financial Planning is what a person does with their money. Individuals have been practicing financial planning for ages. Every individual who received money had to make a decision about the best way to use it. Typically, the decision was either spend it then or save it to spend later. Everyone had to make the same decision every time they receive money.

Financial Planning is an advisory service provided by the finance industry. Although financial planning is not a new concept, it just needs to be conducted in organized manner. Financial Planner on other hand is a service provider which enables an individual to select proper product mix for achieving their goals.

The major things to be considered in financial planning are time horizon to achieve life goals, identify risk tolerance of client, their liquidity need, the inflation. Keeping all this in mind financial planning is done with six step process. This are self assessment of client, identify personal goals and financial goals and objective, identify financial problems and opportunities, determining recommendations and alternative solutions, implementation of appropriate strategy to achieve goals and review and update plan periodically.

A good financial plan includes Contingency planning, Risk Planning (insurance), Tax Planning, Retirement Planning and Investment and Saving option

 Mutual Fund Distribution

Mutual Funds have emerged as a biggest and most sought-after investment option in modern times. But with so many funds and schemes in the market, it has become mind-boggling to choose the right fund/scheme. Having invested in mutual funds, there is another more herculean task of managing the funds, knowing their folios and current NAV. We will help you in evaluating the correct fund/scheme suitable to you based on your risk-bearing appetite and also help you in knowing the current NAVs and managing your folios across different funds/schemes.
Bond/ Fixed deposit

Introduction of Bonds:

A bond is a negotiable debt security under which the issuer borrows a given amount of money, called the principal amount. In exchange, the borrower agrees to pay fixed amounts of interests, also called the coupons, during a specific period of time. Everything is well defined by the bond contract: the coupon rate is the interest rate that the issuer pays to the bondholder and the coupon dates are the dates on which the coupons are paid. Besides the issuer will repay the total amount of the principal when the bond will reach what is called maturity (or maturity date). In short, a bond is a securitized loan.

Life Insurance Planning

Two major risks of Life - Living too long and living too short needs to be taken care of. We have wide range of Insurance Options to take care of both the events. Whats more! Life Insurance planning can help you achieve your financial goals and save on your taxes too. Remember - There is no substitute to Life Insurance. We will help you in structuring your insurance planning based on your needs and requirements.
Health Insurance Planning

Medical expenses are rising day by day and are only expected to go further up! Health insurance serves as hedge against medical expenses. We have good health insurance policies to cater to your needs.

General Insurance Planning


We at Advisory Services deals in all the General Insurance Products across various General Insurance Cos. as per our customers need and convenience.


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Thu, 26 Jul 2018 08:02:27 +0530


Jitendra P.S.Solanki Which of these categories are an option they should explore further and which one of them is good to give a miss?
Wed, 25 Jul 2018 08:04:34 +0530


Joydeep Sen When the instrument matures after a month or two, or when the fund gets fresh subscriptions, that quantum is invested at the then prevailing yield levels.
Wed, 11 Jul 2018 07:49:40 +0530


How MF ratings are changing after SEBI#39;s fund reclassification With the reclassification of mutual funds, there will be a change not only in basis of arriving at performance ratings by rating agencies, but also in the method of analysis to be adopted by the investors while reviewing the performance of the schemes for making investment decisions.
Tue, 10 Jul 2018 11:05:21 +0530


Mazgon Dock Shipbuilders gets Sebi go ahead for IPO The public sector undertaking had filed draft papers with the Securities and Exchange Board of India (Sebi) in April seeking its clearance to launch an IPO and obtained its "observations" on August 10, according to the latest update with the markets watchdog.
Mon, 13 Aug 2018 20:36:05 +0530


CreditAccess Grameen IPO subscribed 2.22 times so far on last day of issue The IPO, worth Rs 1,131 crore, got bids for 4.17 crore shares against a total issue size of 1.88 crore shares, data available with NSE, as of 7 pm, revealed.
Fri, 10 Aug 2018 15:03:12 +0530


Subscribe to CreditAccess Grameen Ltd: Geojit Geojit has come out with its report on CreditAccess Grameen Ltd. The research firm has recommended to "Subscribe" the IPO in its research report as on August 07, 2018.
Wed, 08 Aug 2018 12:54:45 +0530


CreditAccess Grameen#39;s Rs 1,131-crore IPO opens: Should you subscribe? Majority of brokerage houses do not expect huge listing gains from the microfinance lender as they feel it is highly valued at current price band.
Wed, 08 Aug 2018 08:18:47 +0530


Subscribe to CreditAccess Grameen Ltd: Prabhudas Lilladher Prabhudas Lilladher has come out with its report on CreditAccess Grameen Ltd. The research firm has recommended to "Subscribe" the IPO in its research report as on August 06, 2018.
Tue, 07 Aug 2018 16:08:41 +0530


Subscribe to CreditAccess Grameen Ltd: Choice Broking Choice Broking has come out with its report on CreditAccess Grameen Ltd. The research firm has recommended to "Subscribe" the IPO in its research report as on August 03, 2018.
Tue, 07 Aug 2018 13:50:40 +0530


Subscribe to CreditAccess Grameen Ltd: Hem Securities Hem Securities has come out with its report on CreditAccess Grameen Ltd. The research firm has recommended to "Subscribe" the IPO in its research report as on August 06, 2018.
Tue, 07 Aug 2018 13:17:50 +0530


CreditAccess Grameen IPO to open on August 8; 10 key things to know before investing CreditAccess Grameen#39;s public issue comprises a fresh issue of up to Rs 630 crore and an offer for sale of up to 1,18,76,485 equity shares by the promoter, CreditAccess Asia N V.
Tue, 07 Aug 2018 12:13:01 +0530


Stellar Listing: HDFC AMC shares close above Rs 1,800, spikes 65% on Day 1 Individual who invested in the IPO of country#39;s second-largest mutual fund house earned Rs 715.15 on each share.
Mon, 06 Aug 2018 15:59:07 +0530


Stellar Listing: HDFC AMC shares close at Rs 1,815.15, spikes 65% on BSE Individual who invested in the IPO of country#39;s second-largest mutual fund house earned Rs 715.15 on each share.
Mon, 06 Aug 2018 15:59:07 +0530


Bumper Listing: HDFC AMC stock debuts at Rs 1,738, a healthy gain of 58% to issue price This is the fourth company from the HDFC Group listed on bourses after HDFC, HDFC Bank and HDFC Standard Life.
Mon, 06 Aug 2018 09:55:31 +0530


CreditAccess Grameen#39;s Rs 1,131-cr IPO to open on August 8, price band at Rs 418-422 NULL
Wed, 01 Aug 2018 16:45:30 +0530


Tepid debut: TCNS Clothing closes 8% lower at Rs 657.80 on Day 1 After opening at Rs 715 against issue price of Rs 716, it touched an intraday high of Rs 724.50 and low of Rs 626.60 on the BSE.
Mon, 30 Jul 2018 16:17:20 +0530


TCNS Clothing slips into red after flat debut at around Rs 716 TCNS Clothing opened flat at around issue price of Rs 716 and then slipped in to red with a percent loss.
Mon, 30 Jul 2018 10:07:18 +0530


HDFC AMC fixes final offer price at Rs 1,100 per share, raises Rs 2,800.33 crore via IPO HDFC AMC raised Rs 2,800.33 crore through the IPO which consisted of 2,54,57,555 equity shares.
Sat, 28 Jul 2018 23:19:01 +0530