Services - Aarav Investments

Mutual Fund

A mutual fund is an investment vehicle that pools money from multiple investors to invest in a diversified portfolio of securities. Managed by a professional fund manager, mutual funds offer advantages such as diversification, professional management, liquidity, affordability, and transparency

Life Insurance

Life insurance is a contract between an individual and an insurance company that provides financial protection to the individual’s beneficiaries in the event of their death. The individual pays a premium to the insurance company, which guarantees a lumpsum payment to the designated beneficiaries upon the individual’s death or upon completion of maturity period as specified in the policy document.

Equity/IPO

Direct equity investments in India refer to investing in the stock market by buying shares of individual companies listed on the stock exchange. There are several benefits of investing in direct equity in India, including: Potential for higher returns, Ownership in a company, Diversification, Liquidity, Transparency.

Corporate FD

Corporate Fixed Deposits (FDs) are a type of investment offered by private and public companies. They offer a fixed rate of return on investment for a fixed period of time, which can range from a few months to several years. corporate FDs may offer higher interest rates than bank FDs, making them an attractive investment option for some investors. It is important to do thorough research on the company offering the corporate FD and to understand the risks involved before investing.

Corporate Bonds

Corporate bonds are debt securities issued by corporations to raise funds for their operations, investments, and other financial needs. These bonds typically have a fixed interest rate and a maturity date, at which point the bondholder receives their principal investment back. There are several benefits associated with investing in corporate bonds, including: Steady income, Diversification, potentially higher yields, Range of options, Liquidity, Possible capital gains.

Government Bonds

Government bonds, also known as sovereign bonds, are debt securities issued by national governments to raise funds for government spending, infrastructure projects, and other purposes. These bonds are typically considered to be among the safest investments, as they are backed by the full faith and credit of the government that issues them. When an investor purchases a government bond, they are essentially lending money to the government. In return for this loan, the government agrees to pay the investor interest on a regular basis, usually semi-annually, until the bond matures. At maturity, the investor receives the principal investment back.

Sovereign Gold Bonds

Sovereign Gold Bonds (SGBs) are government securities denominated in grams of gold. They are issued by the Government of India through the Reserve Bank of India (RBI) on behalf of the government. The purpose of SGBs is to provide an alternative form of investment in gold, allowing investors to earn returns linked to the price of gold, while also providing the security and benefits associated with government securities. SGBs offer several advantages over physical gold, including no storage or security risks, no making charges, and the ability to earn interest on the investment. The interest rate on SGBs is currently set at 2.5% per annum, payable semi-annually.

54EC Bonds (Capital Gains Bonds)

54EC Bonds, also known as Capital Gains Bonds, are bonds issued by government-approved entities such as Rural Electrification Corporation (REC) or National Highways Authority of India (NHAI) to provide tax benefits to investors who have earned long-term capital gains from the sale of assets such as real estate or stocks. The investment in 54EC bonds is eligible for tax deduction under Section 54EC of the Income Tax Act, which allows for the exemption of long-term capital gains tax on the sale of assets, subject to a maximum limit of Rs. 50 lakhs per financial year. The bonds have a lock-in period of 5 years and offer an interest rate that is fixed at the time of issuance.

Loans

We have tied up with all the leading banks in India to provide home loan services to our clients. Upon reaching out to us you will be answered all the queries you have with reference to the home loan you wish to avail of, terms, and duration of the tenure.