A capital market is a financial market in which long-term debt or equity-backed securities are bought and sold. Capital markets channel the wealth of savers to those who can put it to long-term productive use, such as companies or governments making long-term investments.

Direct Equity involves buying and selling shares of individual companies, making the investor a part-owner. The main goal is to profit from rising share prices. Many companies also distribute dividends to shareholders. This approach offers higher potential returns but also carries higher risk. Investors must conduct thorough research and analysis to identify promising stocks. Active management is crucial, as investors need to monitor their portfolio and make timely buy and sell decisions.

• Equity ETFs
• Commodity ETFs
• Global ETFs
• Index ETFs
• Debt ETFs

The National Pension System (NPS) is a government-backed voluntary retirement savings scheme designed to help you secure a financially stable future. It's a versatile tool that empowers you to plan for your retirement with flexibility and potential for significant returns.

How it Works:

1. Regular Contributions: Make regular or one-time contributions to your NPS account.
2. Investment Choice: Select from various investment options, including equities, government bonds, and corporate bonds, based on your risk appetite.
3. Professional Management: Your funds are managed by experienced fund managers.
4. Retirement: A portion of your accumulated corpus is used to purchase an annuity, providing you with a regular pension income.

Portfolio investments are investments in the form of a group (portfolio) of assets, including transactions in equity, securities, such as common stock, and debt securities, such as banknotes, bonds, and debentures.

Portfolio investment covers a range of securities, such as stocks and bonds, as well as other types of investment vehicles. A diversified portfolio helps spread the risk of possible loss because of below-expectations performance of one or a few of them.

• Aggressive
• Defensive
• Hybrid

A loan against mutual funds is a financial product that allows investors to borrow money from banks or non-banking financial companies (NBFCs) using their mutual fund holdings as collateral. This option provides liquidity to investors without the need to sell their mutual fund units, thereby allowing them to remain invested for long-term growth.

One of the main advantages of a loan against mutual funds is liquidity. It provides immediate access to cash without disrupting long-term investment plans. The flexibility of this financial product means that it can be used for various purposes, such as funding emergencies, education, or catering to urgent financial needs, while still benefiting from the potential market appreciation of mutual fund investments.

• Term Loan
• Over Draft / Flexi Loan
• Consumer Loan

Insurance refers to a contractual arrangement in which one party, i.e., the insurance company or the insurer, agrees to compensate the loss or damage sustained to another party, i.e. the insured, by paying a definite amount in exchange for an adequate consideration called a premium.

The insured receives a contract called the insurance policy, which details the conditions and circumstances under which the insurer will compensate the insured.

• Life Insurance
• Auto Insurance
• Personal Accident Insurance
• Health Insurance