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Our Office
Visit us at our headquarters
Shanti Global Capital
F 147-148, City Center
Idagh Circle, Nr. Delhi Darwaja
Ahmedabad, Gujarat - 380016
India
Frequently Asked Questions
Quick answers to common questions
Essential Protection
What types of insurance products do you distribute?
We distribute life insurance (term, ULIPs, endowment, retirement), health insurance (individual, family, senior citizen, overseas travel), and general insurance (motor, home, business, travel) from leading insurers across India.
How do I choose the right insurance policy for my needs?
We assess your life stage, financial goals, and risk profile to suggest suitable options. Our role is to guide you toward appropriate products based on your stated needs and circumstances.
What happens if I need to make a claim?
We provide claims assistance throughout the process. Our claim success rate stands at 96%, and we guide you through documentation and coordinate with insurers for smooth settlement.
How much life insurance cover do I actually need?
Aim for 10-15 times your annual income, or use our Human Life Value (HLV) calculators for a more accurate estimate based on your age, income, liabilities, and family responsibilities.
What's the difference between term insurance and ULIPs?
Term insurance is pure protection with low premiums. ULIPs combine insurance with market-linked investment, offering wealth growth potential along with life cover, though charges are higher.
Can I claim tax benefits on life insurance premiums?
Yes, premiums are deductible under Section 80C up to ₹1.5 lakh annually. Maturity and death benefits may be tax-exempt under Section 10(10D), subject to conditions.
What does a health insurance policy typically cover?
It covers hospitalization expenses, pre and post-hospitalization costs, ambulance charges, day-care procedures, and cashless treatment at network hospitals. Some plans also cover critical illness and maternity.
Is there a waiting period for pre-existing diseases?
Yes, typically 2-4 years from policy inception. Always disclose existing conditions accurately during purchase to avoid claim rejection later.
What is the difference between indemnity plans and fixed-benefit plans?
Indemnity plans reimburse actual hospitalization expenses. Fixed-benefit plans pay a lump sum on diagnosis of specified illnesses, regardless of actual expenses incurred.
What types of general insurance do you offer?
We offer motor insurance (car and two-wheeler), home insurance (structure and contents), business insurance (building, plant and machinery), personal accident cover, and travel insurance.
Is motor insurance mandatory in India?
Yes, third-party motor insurance is legally mandatory. Comprehensive coverage (own damage + third-party) is optional but highly recommended for complete protection.
What does home insurance typically cover?
It covers the building structure against fire, earthquakes, floods, and burglary. Contents insurance covers household items like furniture, appliances, and valuables.
Developmental Growth
What is the minimum amount needed to start investing in mutual funds?
You can start with as little as ₹500 per month through a Systematic Investment Plan (SIP). Lump sum investments typically start from ₹1,000-5,000.
How do you select mutual funds for recommendation?
We assess fund manager experience, consistency across market cycles, expense ratio, portfolio quality, and ability to generate alpha over benchmarks, not just index-hugging.
How often should I review my mutual fund portfolio?
We recommend a comprehensive portfolio review at least once a year. Our complimentary portfolio health check analyzes your holdings for performance, overlap, and goal alignment.
Do you charge fees for a portfolio health check?
We offer a complimentary portfolio health check. Any observations or suggestions shared are incidental in nature and provided solely to help you understand your current portfolio positioning.
How often will my investments be reviewed?
We encourage periodic reviews and can help you reassess products as your goals change, but ongoing SEBI investment advisory mandates are not part of our role.
Can you help consolidate my existing investments?
Yes — we can review current holdings and suggest ways to simplify or optimize them through suitable products.
When should I start planning for my child's education?
Start as soon as your child is born—or even earlier. Education costs rise 10-12% annually, and starting early harnesses the power of compounding with smaller monthly investments.
What is the best way to save for my child's higher education?
Use equity mutual funds for goals 10+ years away, hybrid funds for moderate risk, and debt funds for nearer goals. Our goal-based SIP calculator helps determine required monthly investments.
Can I use multiple investment products for different child goals?
Yes, create separate investment buckets for different milestones like school, higher education, study abroad, and marriage to track progress easily for each goal.
How much corpus do I need for a comfortable retirement?
Aim for 20-25 times your annual expenses at retirement, accounting for inflation. Our retirement calculator provides personalized estimates based on your age, life expectancy, and lifestyle.
What if I've started retirement planning late?
You'll need to invest larger amounts, consider higher equity allocation, delay retirement, or plan for part-time work post-retirement. A step-up SIP can help catch up.
How does inflation affect retirement planning?
Inflation is the biggest threat to retirement security. Your corpus must generate returns above inflation to maintain purchasing power, with a sustainable withdrawal rate of 4-6% annually.
Global Expansion
Who can invest in GIFT City? Can NRIs and foreign investors participate?
Yes, Resident Indians (via LRS), NRIs, OCIs, and foreign investors can all invest. NRIs and foreign investors can transfer funds directly via SWIFT—no NRE/NRO account needed.
What are the tax benefits of investing in GIFT City?
Non-residents enjoy 100% capital gains exemption, tax-free dividends, and zero stamp duty. Returning Indian capital avoids fresh tax liabilities. GIFT City offers offshore tax treatment with Indian regulatory stability.
What investment options are available in GIFT City?
Investors can access international stocks and ETFs, offshore mutual funds, foreign currency bonds, alternative investments, and GIFT Nifty derivatives with 21-hour trading.
Elevated Strategies
What are Specialised Investment Funds (SIFs)?
SIFs are a new SEBI category (April 2025) offering enhanced flexibility including long-short equity and unhedged derivatives up to 25%, with ₹10 lakh minimum investment for experienced investors.
Are SIFs safe for first-time investors?
No, SIFs are designed for experienced investors who understand derivative strategies and market complexities. They involve higher risk and non-daily liquidity.
What is your firm's stance on recommending SIFs?
We recommend a "wait and watch" approach until SIFs demonstrate 2-3 years of verified performance across market cycles. Until then, we suggest proven solutions like PMS.
Who should consider investing in PMS?
PMS suits investors with higher risk appetite and ₹50 lakh+ investible surplus, seeking customized portfolios, direct securities ownership, and concentrated high-conviction strategies.
How do you select PMS providers for your clients?
As APMI-registered distributors, we empanel only SEBI-registered managers with proven alpha generation, complete transparency, concentrated portfolios, seasoned managers, and institutional strength with succession planning.
What is the difference between PMS and mutual funds?
PMS offers direct security ownership in your demat account and portfolio customization, while mutual funds pool investments with diversification but no individual customization. PMS requires higher minimum investment.
General
What financial products do you distribute?
We offer distribution across life, health & general insurance, mutual funds, SIF, PMS, AIFs in India and Inbound & Outbound Global funds via GIFT city.
Do you only work with high-net-worth clients?
No. We serve a wide spectrum — from first-time investors to seasoned wealth holders.
Do you support global investment access?
Yes. We facilitate access to both inbound and outbound investment opportunities via GIFT City, subject to applicable regulations and eligibility norms.
How do you assess my risk profile?
We use a structured risk profiling process that considers your risk capacity and risk tolerance. This helps guide product suitability, though we do not provide SEBI-registered investment advisory services.
Please fill out our Risk Assessment Google Form to get started.
Please fill out our Risk Assessment Google Form to get started.
What makes your firm different?
We combine decades of experience with personalized guidance to help clients choose appropriate financial products and solutions.
Do you provide fee-based financial planning?
At present, we do not offer fee-based financial planning services, as we are not registered as a SEBI Registered Investment Advisor (RIA).
Are your recommendations customized?
Yes. We align product suggestions with your goals and risk profile; however, such suggestions are incidental and provided in our capacity as distributors, not as investment advisors as per SEBI rules and regulations.
Do you assist with retirement planning products?
Yes. We guide you toward retirement-focused solutions like pension plans, retirement MF strategies, and income alternatives.
Do you offer tax-efficient investment solutions?
We share product features and tax implications; for specific tax advice, consult your tax advisor.
Do you assist with wealth transfer planning?
We provide product-based input (e.g., insurance, estate-friendly investments), but not legal or fiduciary succession planning services.
Can beginners consult you?
Absolutely. We explain concepts in simple terms and guide you through the selection process.
How do I get started?
Reach out to schedule a discussion. We begin with understanding your goals before suggesting suitable products.
Is my personal financial information kept confidential?
Yes. We follow strict confidentiality and data privacy practices.
Ready to Secure Your Financial Future?
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