Financial Planning
Comprehensive financial planning services to help you achieve your life goals through strategic investment, tax optimization, and wealth management aligned with Indian regulations.
Why Financial Planning Matters
Financial planning is a systematic approach to managing your finances to achieve life goals. In India, with rising inflation, increasing life expectancy, and changing family structures, professional financial planning has become essential.
Our approach follows the SEBI guidelines for investment advisory andICAI standards for financial assessment. We help you create a personalized financial roadmap considering your income, expenses, risk appetite, and future goals.
Our Planning Services
Investment Advisory
SEBI-compliant investment guidance covering mutual funds, stocks, bonds, and alternative investments aligned with your risk profile.
Retirement Planning
Comprehensive retirement corpus planning including NPS (National Pension System), EPF, and other pension schemes under PFRDA.
Estate Planning
Will drafting, succession planning, and wealth transfer strategies compliant with Indian Succession Act and Hindu Succession Act.
Business Valuation
DCF, NAV, and comparable valuation methods as per ICAI Valuation Standards for M&A, funding, and regulatory purposes.
Goal-Based Planning
Emergency Fund
Immediate
6 months expenses in liquid funds/savings
Child Education
10-15 years
Equity MFs + Sukanya Samriddhi (for girl child)
Home Purchase
5-10 years
Balanced funds + FDs + Home loan planning
Retirement
20-30 years
NPS + EPF + Equity MFs + PPF
Wealth Creation
Long-term
Diversified equity portfolio + Real estate
Investment Options in India
Equity Instruments
| Option | Risk | Expected Returns | Tax Benefit |
|---|---|---|---|
| Direct Stocks | High | 12-15%* | LTCG @12.5% above ₹1.25L |
| Equity Mutual Funds | High | 10-14%* | ELSS - 80C deduction |
Debt Instruments
| Option | Risk | Expected Returns | Tax Benefit |
|---|---|---|---|
| Fixed Deposits | Low | 6-7% | 5-year FD - 80C |
| Debt Mutual Funds | Low-Medium | 6-8%* | Taxed as per slab |
| PPF | Nil | 7.1% | EEE status under 80C |
Retirement Instruments
| Option | Risk | Expected Returns | Tax Benefit |
|---|---|---|---|
| NPS (Tier I) | Medium | 8-10%* | 80CCD(1B) - Extra ₹50K |
| EPF | Nil | 8.25% | 80C deduction |
*Returns are indicative and based on historical performance. Actual returns may vary. Mutual fund investments are subject to market risks.
Tax Saving Avenues
| Section | Limit | Eligible Investments/Expenses |
|---|---|---|
| 80C | ₹1.5 Lakh | ELSS, PPF, EPF, NSC, SCSS, Life Insurance, Home Loan Principal |
| 80CCD(1B) | ₹50,000 | NPS (National Pension System) - Additional deduction |
| 80D | ₹25K-₹1L | Health Insurance Premium (self, family, parents) |
| 80E | No limit | Education Loan Interest (8 years from start of repayment) |
| 24(b) | ₹2 Lakh | Home Loan Interest (self-occupied property) |
Start Your Financial Journey
Get a personalized financial plan tailored to your goals and risk profile.
Schedule a Consultation