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Chart offers from two providers: TradingView & Chart IQ. Extensive charting with multiple indicators.
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Set alerts for the stocks of your choice on web-based application as well mobile trading platform.
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Place multiple orders/ positions in one click
The instruments available for trading on NSE and BSE and can be classified as:
Equity
Equities are traded on the stock market. These could be in the primary or secondary market. In the primary market, companies get listed through an Initial Public Offering. Thus, new securities are available in the primary market. In the secondary market, investors buy or sell securities, which have already been issued. Currently, more than 1300 securities are available for trading on the National Stock Exchange (NSE) and over 6000 on Bombay Stock Exchange (BSE).
Derivatives
Derivatives give you an avenue to boost your returns from equities, by providing leverage through products like futures and options. Derivative instruments are available for shares, indices, currencies as well as commodities. Their value is tied to the underlying security.
Initial Public Offerings (IPO)
An IPO is the first sale of a company’s equity to the public. Existing shareholders can get an exit route or a better value for their investment. One can also be the part of the growth story of the issuing company.
Currency Derivatives
Currency derivatives is a contract between the seller and buyer, whose value is to be derived from the underlying asset, the currency value. It offers two advantages to the traders: an opportunity to benefit from currency value fluctuations, and a chance to minimize loss from currency value fluctuations due to various factors.
Investment in equities bear long term fruits and has a definite edge over merely saving money in your bank account. Here’s how:
A better way to fight Inflation:
Prices of everyday goods and services keep increasing with time. This is commonly known as inflation. With rising inflation, you feel the need to save more to meet future expenditures; which is where equity investments can help. With timely returns, you can beat the cost of inflation and save money for all your future needs.An ideal liquid investment fund:
Equities provide you with flexibility of quickly changing your holding patterns to meet your requirements and also convert your holdings into cash instantaneously. This makes it the apt option compared to other asset classes for investors who are looking for liquid investment opportunities.Source for long term wealth creation:
We believe in the famous philosophy of “Great things come out of Patience”. This belief has helped a lot of investors in generating wealth in the long-run. Choosing the right business and growth opportunity at an early stage is an intricate process and we help you create your own success story by helping you gain unlimited upside
Insurance on a
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You can buy a new insurance plan, renew your old policy, or port it to another insurer, everything is done online. Use any online payment gateway, pay the premium and get your policy instantly.
Customize Insurance Plans
Compare and customize your insurance plans offered by the top insurance companies. Choose your insurance cover, optional add-on covers, and riders as per your needs.
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Assistance
We believe in standing by your side when you need us. And so, you are backed by the highly motivated claims support team to help you at every step in filing claims.
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Is your information safe and secure? Yes, from your personal information to payment, everything is secure. We value your privacy. And, we don’t share or sell your information.
Matching the Insurance needs after proper risk evaluation is very important. As an organization, we believe in overall financial planning of the customer which can help us in achieving moving towards the overall well-being of the customer.
Our approach is always customer centric and not product or idea specific. The idea is to get the right coverage, at the right time, through the right product and the right cost to the customer. We firmly believe that taking Insurance is not an event but a continuous process which has a long term impact and something that demands your commitment and discipline. As such any insurance decision must be carefully taken after understanding all relevant aspects. Every customer has a right to know all details of the insurance policy he is associating with. Further customer should fairly disclose all the relevant facts to to the insurer.
Insurance is a legal agreement between two parties i.e. the insurance company (insurer) and the individual (insured). In this, the insurance company promises to make good the losses of the insured on happening of the insured contingency. The contingency is the event which causes a loss. It can be the death of the policyholder or damage/destruction of the property. It’s called a contingency because there’s an uncertainty regarding happening of the event. The insured pays a premium in return for the promise made by the insurer.
As the name suggests, life insurance is insurance on your life. You buy life insurance to make sure your dependents are financially secured in the event of your untimely demise. Life insurance is particularly important if you are the sole breadwinner for your family or if your family is heavily reliant on your income. Under life insurance, the policyholder’s family is financially compensated in case the policyholder expires during the term of the policy.
Insurance agreements that do not come under the ambit of life insurance are called general insurance. Following are the main different types of General Insurances in India:
The Health Insurance cover offers protection for the medical expenses incurred due to hospitalization caused because of an accident or illnesses. Though every policy is different, based on who it's being obtained for, it largely covers:
The premium for the health insurance is charged on the basis of:
A Motor Insurance Policy is mandatory to be able to drive legally in India. Broadly there are two types:
A Third-Party Policy covers for losses faced in a situation where your vehicle damages any third-party such as a public property, person or third-party vehicle. The same is the minimum requirement to be able to drive legally in India, as stated by the Motor Vehicles Act.
A Comprehensive Package Policy covers both third-party damages and liabilities and damages/losses caused to you and your own vehicle. The losses may arise due to an accident, theft, fire, natural calamities, and others.
Top Performing Funds
Our Mutual Fund experts and Research team select the top funds for you so you can make more money over time.
Personalized advice from experts
Every investor with us gets a dedicated, certified investment advisor. Get a customized goal- based advice on a periodic basis.
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All our data and web services are hosted with 24x7 physical and electronic security and our network communications are secured with high level encryption techniques.
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With us you can invest for your family members too. You can also monitor your portfolio along with theirs.
A Mutual Fund is an investment scheme that brings together like-minded investors and pools their money into multiple assets like stocks, bonds and other securities, in accordance with the stated objective of the scheme. And to make such investments for the investors, we take help from what we call AMCs or Asset Management Companies.
Mutual Funds are ideal for those who want access to professionally-managed, diversified portfolios but do not have sufficient time and expertise to pick winning stocks.
Mutual Funds, over the past few years, have grown to become a highly popular investment opportunity for investors in India as well as across the globe. Here are a few reasons why:
Diversification:
Mutual Funds provide you with access to a diversified portfolio. As an investor, if you want to invest directly in a diverse portfolio, you would require a large amount of capital. However, with Mutual Funds, an investor can reap the benefits of investing in multiple stocks or bonds, with just a small capital.Professional Management:
Research is an important step before you invest in a stock or a bond. However, with a multitude of options, it is very easy for you to get confused. A Mutual Fund, however, allows you to save time and resources with respect to research with the help of experts from an Asset Management Company, who will analyse and invest in Mutual Funds on your behalf.Timing:
Stock market is a game of patience. Timing is crucial while investing. However, you can be in your comfort zone and not sweat about buying or selling at the right time, when it comes to your Mutual Funds.Transaction Cost:
When you buy a stock or bond, you have to pay a small amount as fees every time. Imagine, if you were to buy a hundred assets to diversify your portfolio, you had to pay a charge for each of them. Same is not the case for Mutual Funds that only require a one-time small fee.Based on Structure
Based on Investment objectives
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Invest in FD's of Best credit Societies and leading corporate houses
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Recommended by top credit rating agencies
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Every FD on offer is meticulously verified by our research experts
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Choose your investment amount, tenure, interest payment and maturity periods
A fixed deposit, or ‘FD’, is a type of savings/investment account that promises the investor a assured rate of interest. In return, the investor agrees not to withdraw or access their funds for a fixed tenure of time.:
Benefits of Fixed Deposits:
Fixed deposits are usually offered by Credit societies, Banks and NBFCs. But what most people are unacquainted of is that fixed deposits are offered by corporates too.
Fixed deposits were offered by the Credit societies much before other financial institutions and corporate companies. Being a savings account holder in the Credit society will entitle you to many perks. The customer can open a fixed deposit account either through online request or by visiting one of the branches.
To apply for a fixed deposit in a Credit society, the customer has to submit a few documents along with the application form. The rate of interest offered by the Credit society on the fixed deposits varies from society to society. In some cases, it also depends on the amount deposited by the investor and the term for which it is invested.
The Credit society fixed deposits are better suited for risk averse investors as their operation is monitored by Cooperative ministry of Maharashtra govt.
Corporate fixed deposits are offered by corporate companies.
Applying for a corporate fixed deposit is no different from applying for a credit society fixed deposit. The only difference here being that one should avail the application form either from the company’s official website or at the company itself.
Consider following factors for choosing Corporate FD schemes.
Fixed deposits are usually offered by Credit societies, Banks and NBFCs. But what most people are unacquainted of is that fixed deposits are offered by corporates too.
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Enjoy Credit Card with multiple rewards & cash back
Credit cards let you borrow money from a bank under the agreement that you’ll repay it by your bill’s due date or incur interest charges
The ability to buy now and pay later outmatches other forms of payment, such as debit cards or cash, which both require you to have the money available for payment at the time of purchase. In addition to having more flexibility with payments, credit cards help you to establish a credit score so you can qualify for other financial products, such as loans and mortgages.
There also can be some monetary perks to having a credit card, where cardholders can earn rewards on every purchase, which can be later cashed in for travel, statement credits and more. Some credit cards also offer intro interest-free periods.
Let’s examine the reasons why owning and using your credit card provides various benefits:
The biggest advantage of using a credit card is the convenience it offers. You don't have to carry around wads of cash to pay for your daily transactions. Instead, you can complete your payments – big and small – with a simple swipe of the card. With a credit card, you don't have to worry about finding the right bills, counting change. All you have to do is present the plastic card to the cashier, and you're billed the exact amount.
This is another huge advantage of owning a credit card. Using a credit card, you can purchase big-ticket items that you cannot afford to pay out of pocket. Let's say that a new mobile is launching today, but you receive your salary only after ten days. You can use your credit card to complete the purchase today, and pay for it later, once you receive your salary.
All credit cards offer a grace period between purchase and payment when you do not incur interest. The grace period is generally 30 days, but it can also extend to 50 days, depending on the card issuer. When you settle the credit card bill within the grace period, you will not be charged any interest in the purchase.
Today, most credit cards come with the option of contactless payments. This means you can pay by just tapping your card on a contactless payment machine. You don't have to enter a PIN or provide your signature.
During Covid-19, everyone is worried about contracting the virus by handling cash or touching hotspots like Point of Sale machines. With a contactless card, you can complete your purchase without touching potential virus hotspots.
Besides the convenience offered by credit cards for one-time transactions, they are highly suitable for recurring payments. You can set up a standing instruction to pay for recurring bills like – electricity bills, telephone bills, gas bills, home rent, etc. – using your credit card. This way, you don’t run the risk of forgetting to pay your bills on time, thereby eliminating late fee charges.
Today, it's common to use online shopping portals for various purposes. From purchasing apparel to groceries to booking a flight ticket to buying home furniture, online shopping is highly convenient and cost-effective.
Though most online shopping websites offer a range of payment options like cash on delivery (COD), debit card, digital wallets, for big-ticket purchases, you have limited payment options.
A credit card can be used to pay for the purchase when other payment options like COD isn’t available.
If you're shopping on an international website, then your debit card is not likely to be accepted. In such cases, having a credit card will help you complete the purchase effortlessly.
With a credit card, you don’t have to carry large amounts of cash in your wallet. You don’t have to worry about safeguarding the money or keeping your pocket from being picked.
In the unfortunate case that you lose or misplace your card, you can easily connect with your bank via a 24x7 helpline number. Notify your bank of the lost card, and they will immediately cancel the card, preventing any unauthorised use.
All credit cards are part of a rewards program. This means, for every transaction you make using the card, you earn rewards. You can then redeem the accumulated reward points for vouchers, trips, and other exciting gifts.
Besides reward points, credit cards also offer other benefits like cashback, access to online shopping deals, discounts when you use the card at selected online, and offline retailers.
Owning a signature (elite) credit card offers various travel perks like access to airport lounges for free of cost, extra luggage allowance, priority check-in, and more. Besides the benefits at airports, you are also eligible for discounts on hotel stays, car rentals, and dining – at select merchants. Check with your card issuer for the list of travel perks that come with your card.
Not many people are aware of this benefit. Having and regularly using a credit card responsibly is a great way to build and improve your credit score. The credit score is a numerical factor that indicates the creditworthiness of an individual. Depending on how prompt you are on your credit payments, your credit score increases or decreases. The higher the credit score, the better are the credit opportunities available to you.
When you use your credit card responsibly (i.e., stay within your credit limits and pay credit card bills on time), your credit score improves significantly. This is one of the exclusive benefits of using a credit card that is not available on a debit card or when you pay cash.
If you’re looking to build your credit history from scratch or repair a poor credit score, then you need to start using a credit card responsibly.
Besides the benefits mentioned here, credit cards offer various other perks like – accidental death cover, fire insurance, and more, depending on the type of card. To be eligible for insurance coverage provided on your credit card, all you have to do is meet the minimum spending requirements annually. You don't have to pay any extra premium.
To avoid being debt-laden due to unfettered spending on your credit card, keep the below tips in mind:
Use the above tips to avoid the pitfalls of card debt so you can enjoy a stress-free future with your credit card.
Choose
the best
We help you to choose the best plans available with multiple features.
Personalized advice from experts
Every investor with us gets a dedicated, certified investment advisor. Get a customized goal- based advice on a periodic basis.
Best
research
Offered products are meticulously verified by our research experts.
Flexibility
Choose your investment amount, tenure, interest payment and maturity periods
Investments are important because in today’s world, just earning money is not enough. You work hard for the money you earn. But that may not be adequate for you to lead a comfortable lifestyle or fulfill your dreams and goals. To do that, you need to make your money work hard for you as well. This is why you invest. Money lying idle in your bank account is an opportunity lost. You should invest that money smartly to get good returns out of it.
The Indian investor has a number of investment options to choose from. Some are traditional investments that have been used across generations, while some are relatively newer options that have become popular in recent years. Here are some popular investment options available in India.
There are so many plans available in the market but you need to select one as per your need, the best part is that such plans give you comfort for choosing various paying term options and you feel stress free after buying such guaranteed plans as there is no fear of losing money. Few plans are mentioned below :
A bond is a fixed income instrument in which an investor loans money to an entity (Corporate or Government) which borrows the funds for a defined period of time at a variable or fixed interest rate. Bonds are used by Corporate or Government to raise money and finance a variety of projects or activities.
The National Pension System (NPS) is a relatively new tax-saving investment option. Investors in the NPS stay locked-in till retirement and can earn higher returns than PPF or EPF since the NPS offers plan options that invest in equities as well. The maturity corpus from the NPS is not entirely tax-free and a part of it has to be used to purchase an annuity that will give the investor a regular pension.
Since there are so many types of investment vehicles, it is normal for an investor to get overwhelmed. Someone new to investing would not know where to invest their money. Making the wrong investment choice can lead to financial losses, which is something that no one wants. This is why you should use the following factors to decide where to invest your money.
Typically, younger investors have fewer responsibilities and a longer time horizon. When you have a long working life in front of you, you can invest in vehicles with a long-term view and also keep increasing your investment amount with an increase in your income. This is why a Guaranteed Savings Plan like Child Education Plan, Children Marriage Plan, Retirement & Pension Plan would be a better option for young investors, as compared to something like fixed deposits. But on the other hand, older investors can opt for safer avenues like FDs.
Investment goals can be either short-term or long-term. For a short-term goal, you should opt for a safer investment and use the return-generating potential of Guaranteed Savings Plan for long-term goals. Goals can also be negotiable and non-negotiable. For non-negotiable goals like children’s education or down payment for a house, guaranteed-return investments would be a good choice. But if the goal is negotiable, which means that it can be pushed back by a few months, then investing in equity mutual funds or stocks can be beneficial. Plus, if these investments do really well, then you can even meet the goal before time.
Another thing to think about when choosing an investment option is your own profile. Factors like how much you are earning and how many financial dependents you have are also critical. A young investor with a lot of time on hand may not be able to take equity-related risks if he also has the responsibility to take care of his family. Similarly, someone older with no dependents and a steady source of income can choose to invest in equities to earn higher returns. This is why it is said that when it comes to investments, one size doesn’t fit all. Investments not only have to be chosen carefully but also planned properly to get the most out of them.
The first step in planning your investments is to figure out the right investment that fits your profile and needs. Here are a few things to keep in mind when planning your investments:
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Home Loans and Balance Transfer of an existing loan
Home loans are a secured mode of finance, that give you the funds to buy or build the home of your choice. The following are the type of home loans available in India:Land purchase loan: Purchase land for your new home
The loan amount disbursed depends on your income, its stability and current liabilities among others.
Loan Against Property (LAP)
Loan against property is one of the most common forms of a secured loan where you can pledge any residential, commercial or industrial property for availing the funds required. The loan amount disbursed is equivalent to a certain percentage of the property’s value and varies across lenders.
While some lenders may offer an amount equivalent to 50-60% of the property’s value, others may offer an amount close to 80%. A loan against property helps you unlock the dormant value of your idle asset and can be used to gratify personal life goals. Businesses use a loan against property for business expansion, and product development among others.
Loan to purchase commercial property
This is one of the easiest ways, you can raise money i.e. by keeping your commercial property as a mortgage for availing a loan. That means your own property helps you in getting a loan. Commercial Property Purchase Loan is a secured loan is often used by a business entity to secure funds for the purchase of their new office or shop or retail establishments. This type of loan is available only for commercial borrowers.
It provides a greater deal of flexibility and easy access to capital. Here the interest rate is higher than the Home Loan rate. Points considered while evaluation a commercial property purchase loan proposition is the quality of the collateral, the creditworthiness of the lender, the repaying capacity of the business which can be measured through various financial ratios derived from their balance sheet and profit & loss statements.
The SME loan product is in place to facilitate the following objectives
The disbursed funds from SME Loan can be used for any of the following needs:
Offering an instant liquidity, a personal loan is one of the most popular types of unsecured loans. However, since a personal loan is an unsecured mode of finance, the interest rates are higher compared to secured loans. A good credit score along with high and stable income ensures you can avail this loan at a competitive rate of interest. Personal loans can be used for one of the following purposes.
