One place for your investment, protection and savings needs.

Life insurance protects your family’s finances if something happens to you. Plans range from pure protection to savings-linked policies. We help you compare plan types and choose cover in line with your income, liabilities and goals.

• Protection and savings plans
• Cover amount estimation
• Rider options
• Claim documentation support

Insurance is the subject matter of solicitation. For details on risk factors, terms, conditions and exclusions, please read the policy wording and sales brochure carefully before concluding a sale.

Term insurance offers a large sum assured for a relatively small premium and pays out only on death during the policy term. It is usually the most cost-effective way to protect dependants and outstanding loans.

• Pure protection cover
• Cover till a chosen age
• Optional riders
• Premium varies by age and health

Insurance is the subject matter of solicitation. For details on risk factors, terms, conditions and exclusions, please read the policy wording and sales brochure carefully before concluding a sale.

A medical emergency can undo years of savings. Individual and family floater health plans cover hospitalisation, pre and post hospitalisation expenses and day-care procedures, subject to policy terms, waiting periods and exclusions.

• Individual and family floater plans
• Cashless network hospitals
• Top-up and super top-up options
• Renewal and claim support

Insurance is the subject matter of solicitation. For details on risk factors, terms, conditions and exclusions, please read the policy wording and sales brochure carefully before concluding a sale.

Critical illness cover pays a lump sum on first diagnosis of specified serious illnesses, helping with treatment, recovery and loss of income. It works alongside, not instead of, a regular health policy.

• Lump sum on diagnosis
• Covers listed major illnesses
• Standalone or as a rider
• Survival and waiting period terms apply

Insurance is the subject matter of solicitation. For details on risk factors, terms, conditions and exclusions, please read the policy wording and sales brochure carefully before concluding a sale.

Personal accident insurance pays a benefit in case of accidental death or permanent or temporary disability, and can include cover for income loss. Premiums are typically low and often depend on occupation rather than age.

• Accidental death benefit
• Permanent and temporary disability
• Optional income loss cover
• Affordable premiums

Insurance is the subject matter of solicitation. For details on risk factors, terms, conditions and exclusions, please read the policy wording and sales brochure carefully before concluding a sale.

Third-party motor insurance is mandatory in India. A comprehensive policy also covers damage to your own vehicle. Add-ons such as zero depreciation and roadside assistance can be added, subject to insurer terms.

• Comprehensive and third-party cover
• Car and two-wheeler
• Useful add-ons
• Renewal reminders

Insurance is the subject matter of solicitation. For details on risk factors, terms, conditions and exclusions, please read the policy wording and sales brochure carefully before concluding a sale.

Fire and property insurance covers buildings, contents and stock against fire and allied perils such as lightning, explosion and certain natural calamities, as defined in the policy. It is useful for homeowners, shopkeepers and small businesses.

• Home, shop and office cover
• Building and contents
• Allied perils as per policy
• Sum insured guidance

Insurance is the subject matter of solicitation. For details on risk factors, terms, conditions and exclusions, please read the policy wording and sales brochure carefully before concluding a sale.

Beyond health and motor, general insurance includes travel, home, shopkeeper and other non-life policies. We help you identify the covers relevant to your situation.

• Travel insurance
• Home insurance
• Shopkeeper packages
• Policy comparison support

Insurance is the subject matter of solicitation. For details on risk factors, terms, conditions and exclusions, please read the policy wording and sales brochure carefully before concluding a sale.

Bank fixed deposits offer a fixed interest rate for a chosen tenure. Deposits in banks are insured by DICGC up to ₹5 lakh per depositor per bank. Interest is taxable as per your income slab.

• Choice of tenure and payout
• Senior citizen rates where offered
• Cumulative and non-cumulative options
• Laddering support

Interest rates are set by the issuing bank and can change. Premature withdrawal may attract a penalty.

Corporate FDs are offered by NBFCs and companies, usually at higher rates than bank FDs. They are not covered by DICGC insurance, so the credit rating and financial strength of the issuer matter. We help you understand ratings and spread deposits across issuers.

• Rated issuers only
• Credit rating explanation
• Diversification across issuers
• Monthly, quarterly or cumulative

Corporate FDs carry credit risk and are not insured by DICGC. Ratings can change during the tenure.

Bonds and Non-Convertible Debentures pay a fixed coupon for a set period. They can provide predictable income but carry credit risk, interest rate risk and liquidity risk. Listed bonds can be traded on the stock exchange.

• Government and corporate bonds
• Public NCD issues
• Credit rating guidance
• Coupon and maturity planning

Bonds and NCDs are subject to credit, interest rate and liquidity risks. Read the offer document carefully.

Sovereign Gold Bonds are government securities linked to the price of gold that also pay 2.5% interest a year on the issue price. The Government has not issued new tranches recently, so existing SGBs can be bought on the stock exchange. We help you understand pricing, the 8-year maturity and early redemption windows.

• Purchase of listed SGBs on the exchange
• Interest of 2.5% p.a. on issue price
• 8-year tenure with early redemption options
• Tax treatment awareness

SGB value moves with gold prices. Exchange prices can be at a premium or discount to the gold price and liquidity can be limited.

Capital gain bonds issued by notified public sector entities allow you to claim exemption on long-term capital gains from the sale of land or building, if invested within 6 months of the sale, up to ₹50 lakh in a financial year, with a 5-year lock-in.

• Investment within 6 months of sale
• Up to ₹50 lakh per financial year
• 5-year lock-in
• Interest is taxable

Eligibility and limits are governed by income tax law, which may change. Please verify with your tax professional.