How Investment Banking Companies in India Are Powering Financial Growth

When you say investment banking, you may picture boardrooms lined with suits, high-speed trades, and billion-dollar mergers. And although that isn't completely inaccurate, there's quite a bit more to the tale, particularly when it comes to investment banking firms in India. 

These money machines do so much more than raise capital or close mega deals. They help shape India's economic story. From taking startups public to navigating large companies through mergers and acquisitions, investment bankers are like financial architects, carefully crafting blueprints for long-term success. 

But they don't do it alone. This is where their closest friends, asset management companies in India, step in. While investment banks play the game of strategic financial moves, asset managers manage long-term wealth preservation and growth. It's the perfect tag team, where one opens doors and the other makes sure those doors are maximized and secured. 

So, how do Indian investment banking companies in India affect businesses and investors? First, they bring companies together with capital, be it through IPOs, debt financing, or private placements. They also offer valuable market insights, allowing businesses to make smart, forward-looking decisions. 

Second, these companies assist businesses to grow through mergers and acquisitions. Whether a strategic alliance or outright acquisition, investment bankers manage the intricate negotiations, due diligence, and valuation so businesses can concentrate on growth. 

Pair this with the role of asset management companies in India, and you’ve got a 360-degree approach to financial success. These firms manage mutual funds, portfolios, and institutional investments with a laser focus on ROI, diversification, and long-term goals. 

Together, investment banking and asset management firms are shaping the future of finance in India, one deal, one portfolio, and one strategy at a time. 

So whether you're an investor or a startup founder, teaming up with these money experts could be the best decision you ever make. And besides, when strategy meets your money, the outcome can be revolutionary.

 

The Role of an Asset Management Company in Today's Market

In a world where money never sleeps, keeping your finances in check isn't just genius but necessary. That's where an asset management company comes in, like your own personal financial genie (without the lamp). From recommending high-yielding opportunities to handling risk like a pro, asset managers are the behind-the-scenes heroes of winning portfolios.

But wait, there's more! Being an asset management company is a far cry from merely sitting on the sidelines, observing the markets. They infuse discipline, strategy, and downright intelligence into the equation, so that each rupee (or million) you invest does its job smarter and harder. 

Let's speak of the big leagues - asset management companies in India have been changing at lightning speed to keep pace with the increasing hunger of investors. From retail to institutional, all are seeking that ideal combination of safety, growth, and responsiveness. With the Indian market abuzz with opportunity, these firms don't just manage money but craft memorable financial experiences. 

Here's where it gets even more thrilling: investment banking companies and asset management firms tend to operate hand in glove. When asset managers are concerned with wealth creation and protection, investment bankers bring in high-stakes transactions, mergers, and capital-raising solutions. They complement each other and provide a complete circle financial experience that's holistic and strongly effective. 

An asset management company also avails unparalleled expertise on market trends, economic changes, and emerging industries. Riding the wave of equity or investing in alternative assets, they build diversified portfolios that meet your objectives, risk tolerance, and long-term vision. Today's fast-paced economy no longer sees asset managers as service providers but rather as strategic partners. They do not only provide number crunching; they also provide clarity, customization, and confidence in your financial choices. 

So, if you're seeking long-term wealth with a dash of clever planning, partnering up with a reliable asset management firm could be the way to go. After all, when your money is with the right people, the future is limitless.

 

Unlocking the Power of Long Short Funds in India: A Smart Investment Strategy for Growth

 Long short funds in India might be your hidden weapon for growing your investing portfolio. These funds, which are managed by Asset management companies in India, provide a unique approach to profit from both rising and declining markets. Here's why they could be the ideal complement to your financial plan – 

• Maximize Returns Under All Market Conditions

One of the most significant advantages of long-short funds is their ability to create profits regardless of whether the market is rising or falling. These funds allow investors to go long (purchase) on inexpensive companies while shorting (sell) overpriced ones. Because of their adaptability, they are an excellent choice for capitalizing on both bullish and negative market moves.

• Hedge Against Market Volatility

Market volatility may be a nightmare for many investors, but long-short funds are an effective strategy to protect your portfolio. Because the fund has both long and short positions, it can help mitigate the risks of market volatility, keeping your portfolio steady even when the market falls. This makes them an appealing option for risk-averse investors who nevertheless want exposure to high-growth prospects.

• Diversification with a Twist

Diversification is essential for risk reduction, and long-short funds provide a unique approach. These funds, which are managed by prominent asset management firms in India, often invest across a wide range of industries and assets. By balancing long and short positions, you gain exposure to a broader range of assets, ensuring that your portfolio is not unduly reliant on any one sector or market trend.

• Professional Management

When you invest in long-term funds, you are committing your money to knowledgeable specialists. Asset management companies in India use professional teams that use thorough market analysis to make educated judgements, maximizing profits while mitigating risks. This competent management allows you to easily traverse difficult marketplaces. 

To summaries, long short funds in India are a dynamic and prudent solution for investors looking to increase profits while controlling risks. They may be an exciting way to increase and safeguard your wealth when accompanied by expert assistance from reputable asset management firms. Ready to get in?

Asset Management Firms Help Individuals Grow & Preserve Their Wealth

 

When it comes to managing substantial wealth, high-net-worth individuals face unique challenges and opportunities. With the complexities of the financial landscape and the increasing demands on their time, partnering with one of the best asset management company can be a game-changer.

 

An asset management company bring a wealth of knowledge and experience to the table. They have a team of financial experts who understand the intricacies of investment strategies, risk management, tax optimization, and estate planning. These professionals analyze market trends, evaluate investment options, and develop tailored solutions aligned with the client's financial goals and risk appetite. Their expertise helps these clients make informed decisions, mitigating potential risks and maximizing returns on their investments.

 

Asset management firms often have access to unique investment opportunities that may not be available to individual investors. They have extensive networks, partnerships, and connections in the financial industry. By consulting with the top asset management companies in India high-net-worth individuals can gain access to exclusive investment opportunities in private equity, venture capital, hedge funds, and other alternative investment options. These exclusive opportunities can enhance portfolio performance and create new avenues for wealth generation.

 

Asset management companies can help to diversify investments across different asset classes. This can be a crucial step for high-net-worth clients in portfolio management. By spreading investments across stocks, bonds, real estate, and other instruments, the financial advisory firm can reduce the risk associated with making all high investments in assets that are showing indications for causing losses in the near future. They employ sophisticated risk management techniques to optimize risk-adjusted returns. These techniques can help to ensure a balanced and resilient portfolio. If you want to mitigate your investment and minimize risks, you can consult with one of the best asset management companies in India.

 

For high-net-worth individuals, partnering with an asset management firm can be a strategic decision that unlocks the potential for wealth growth and financial security. The expertise, guidance, and access to exclusive opportunities offered by these firms allow these clients to navigate the complex financial landscape with confidence.

Why You Should Start Investing Young?

 Whether or not you’re a high net-worth individual, there are numerous perks of starting your investment journey at a young age. When you first start earning, you might not a hefty pay check. And you have to manage all your monthly expenses with that money. In such cases, the urge to spend is more – thanks to the new-found freedom that comes with money. However, the benefits of starting early are plenty. You can start slow with stocks, and bonds and eventually move towards alternative investment funds, private markets, etc.

Below are three reasons why you should start investing young.

 

You can start with a small amount

 

You must be having some goals in life, say buying a house or having a destination wedding. And accomplishing that requires you to have an X amount. If you start investing now, then you might have to invest a small amount until you reach the amount x and fulfil your dreams. If you start investing late, then you will have to invest more money each month to reach the same amount x.

 

It improves your spending habits

 

When you start investing early, then you naturally start spending wisely. When you know that a certain amount of your salary will be utilised towards investments, then it automatically puts a restriction on your spending. It leads you into creating a budget and prioritizing your expenditure. And when you do this for long enough, this small practice turns into a healthy habit.

 

You get to enjoy the benefits of compounding 

 

The earlier you start investing, the longer your investment tenure is – which helps you reap the benefits of compounding. You can start slow with a small amount but starting early is important. Eventually, you can hire a firm or consider working with asset management companies in India to make even more robust investments. Compounding helps you amass great wealth, all you have to do is begin young.  

 

To conclude

 

Those three were the three significant reasons why you should start investing young. You can kick off your investment journey with a small amount and since your tenure is long, you can still accumulate great wealth. It improves your spending habits and also fetches you attractive compounding benefits.

Alternative Investment Funds in India - and their 3 categories

Alternative Investment Funds are a type of pooled investment vehicle popularly used by top asset management companies in India, that raises money from institutions and high-net-worth people with a minimum ticket size of Rs.1 crore, including Indian, foreign, and non-resident Indians. They are an alternative to traditional investments such as direct equities, mutual funds, and bonds, long-short fund as their name implies.

 

Let's take a closer look at the AIF structure.

 

Structure of AIFs

 

According to SEBI's classification, AIFs can be classified into three distinct types, which are as follows:

 

Category I

 

This type of AIF invests in start-ups, early-stage initiatives, social ventures, small and medium-sized firms (SMEs), infrastructure, social ventures, or other areas deemed favourable and useful by government authorities, whether socially or economically. As a result, Cat I funds are likely to have economic spillover effects, and the government may consider providing incentives or concessions in exchange for their services.

 

Category II

 

AIFs in this category include debt and private equity funds. The category was developed to provide a defensive investment option in which professional fund managers build and manage diversified investment portfolios to lower investors' risk profiles. Debt funds in this category invest in debt/debt securities of listed or unlisted investee companies in accordance with the fund's declared goals.

 

Category III

 

To produce returns, Cat III AIFs use complex trading tactics such as arbitrage, margin, futures, and derivatives. Hedge funds that trade for short-term gains and Private investment in public equity (PIPE) funds that buy publicly traded stock at a discount to the market price, as well as other similar types of funds, are eligible to be registered as AIFs in this category.

 

When compared to mutual funds, AIFs are now a faster-growing investment vehicle in India. Due to a variety of variables, including minimal vulnerability to stock market volatility, the capacity to create better returns than stocks and mutual funds, risk diversification from traditional asset classes, and so on.

Why investing in the banking industry through index funds is a winner's move

Investing in the banking industry is the equivalent of investing in the entire economy. In this post, I will discuss why and how one should invest in the banking business.

 

Why should you put money into the banking industry?

 

Banking is the lifeblood of a country's economy. Banking and economic growth are intertwined. Because the Indian economy is anticipated to outperform other economies in the future, the banking sector will follow suit. Due to different restrictions imposed by Indian tax rules on cash transactions, more and more transactions are taking place through banking systems.

The government's plan in the budget to implement the core banking system in Indian post offices will enhance the banking sector by allowing millions of post office account holders to trade online throughout the banking sector. One of the reasons for investing in this industry is that non-performing assets (NPA) levels are decreasing as a result of the banking sector's clean-up. This sector is also projected to do better in the future. As a result, an ordinary investor would be wise to invest in the banking sector at this time.

 

Why invest through an Index Fund in equity?

 

Direct equities investment is a full-time profession that necessitates extensive knowledge and expertise, which none of us possess. It also requires picking up the right company for making investment as well as continuous monitoring of the investee company. So it makes sense for an individual investor to invest through investment banking firms in India, either in an index fund or diversified mutual fund scheme.

 

An index fund, like other open ended equity mutual fund schemes, allows you to invest in a lump sum or over time via the Systematic Investment Plan (SIP) and Systematic Withdrawal Plan (SWP). It makes more sense for an average investor to invest through an index fund because it imitates the underlying index, whose constituents are evaluated on a regular basis to weed out non-performing stocks. Another advantage to choosing an index fund over investing directly in numerous firms is that an index fund allows you to invest in several companies at the same time with a modest amount of money, such as five thousand rupees for a one-time investment and 500-1000 rupees through SIP and SWP. You do not need a demat account to invest in a mutual fund scheme, which makes it quite convenient.

 

Furthermore, a significant number of active mutual fund schemes in investment banking companies in India have been unable to beat their benchmark in recent years, particularly since SEBI categorized mutual funds with an attached requirement to invest a minimum of their corpus in a specific segment of the market capitalisation and a higher expenses ratio, so it makes sense for you to invest through index funds, which have a very low expenses ratio.

 

Overall, investing in the banking sector of the economy is a sound financial decision!

What Should Startups Consider While Seeking Venture Capital Funding?

The capital markets' structure and rules make it difficult for a fresh company to raise funds. To protect investors, regulations limit investment banks and public equity firms' operating practices.

 

Banks only lend money to startups if they have hard assets, which startups do not have in today's information-driven economy. Due to the high risk of startup investment and the banks' mandate, venture capital financing serves as a form of haven for company entrepreneurs.

 

How To Get Venture Capital Funding In India

The financial advisory services like the guidance, mentorship, and support that come with VC funding can be very valuable for the startup founders, but raising venture capital funding in India is far from easy.

 

The following are the considerations that an investor should make:

 

The suitable venture capital firm: The entrepreneur must select a venture capital firm with experience in the company's industry. To accomplish so, the entrepreneur must perform their research to find the suitable venture capital firm.

Creating a positive first impression: To get money, the entrepreneur must persuade a Venture Capitalist of the company's potential with a well-written business plan that details the idea, potential, and strategy.

Approach Timeline: The next stage is to approach the venture capital firm's analysts and associates and present their business ideas and projections in order to get money.

Using Healthy Care: The founder must use caution while explaining the business idea to VC investors. If the deal falls through, the idea may be leaked, which might jeopardize the company's initial growth.

What is Asset Liability Management (ALM) and what are the risks it addresses?

 Asset and liability management also known as ALM banking or ALM finance by the financial companies in India, manages the size, quantities and totals of balance sheet items. But what are assets and liabilities?

Assets are the items or value that a company or an individual holds which can be liquidated at any point of time. Liabilities on the other hand are something you owe to either your creditors, vendors, suppliers or other stakeholders, and they decrease the value of your company.

Asset and liability management strategies are used by financial companies in India and over the world to solve three major risks – Credit risk, liquidity risk, interest rate risk.

Credit risk – These risks occur when we don’t get paid as much as we expected to. With loans contributing to be the largest source of credit risks for most banks and financial companies in India, cash management, FX, credit derivatives, unfunded loan commitments, letters of credit and lines of credit are some other contributors to disturbing the balance sheet of an institute. They use the ALM model to take a consistent approach to project the impact of credit risks on cashflow and capital under various circumstances to lower their exposure to this risk.

Liquidity risk – Liquidity is the ability of your assets and valuables to convert into cash easily.  For example: Keeping your house as a collateral for an overseas education loan. Asset and liability management helps banks and other institutions to identify, measure and monitor liquidity risks by taking into consideration the future projections and adverse scenarios to warrant themselves against this risk.

Interest rate risk – The most strongly associated risk with ALM is the risk that has resulted because of volatility in the interest rates. Financial institutions quantify their exposure to this risk by running measurement tools and techniques along and create their own ALM model, outsource it or use a hybrid approach to insure themselves against interest rate volatility.

Why invest in hedge funds?

Hedge funds are a type of mutual funds that are unregistered private instruments partnerships that trade in different types of instruments like securities, non-securities, derivatives, etc. Hedge funds are not subject to the same regulatory requirements that mutual funds need to fulfill. These investments are not regulated by the Securities and Exchange Board of India (SEBI). All other types of mutual funds are required to follow such regulations.

Hedge funds are pooled money from individual investors, high net worth individuals (HNIs), banks, corporations, etc. that are collectively invested in different securities in the national and international markets. There are different strategies using which these funds are invested, and each of these strategies differ. Hedge fund managers invest their client’s funds based on their specific requirements.

In event driven hedge funds, the investors take advantage of the price movements in the market, for example, when a corporation is involved in a merger or acquisition, etc. Another strategy is long/short selling in which the funds of the portfolio are equally distributed among long and short positions in the market. This way, the portfolio has a better risk-return policy, as the risk is mitigated in such a way that even when the market is not performing well, the portfolio performs well. 

There are different types of hedge mutual funds like domestic, off shore, and fund of funds. Domestic hedge funds are those investments that are made within the country and are subject to taxation by the Government of India. Offshore funds are invested in countries outside the home country, preferably to reap the benefits of low taxation in such countries. Fund of funds are an entirely different type of funds that are invested in other hedge funds, instead of the securities. Hedge funds carry high risk as it does not fall under the regulation of SEBI, but it also earns high returns as it is a pooled investment vehicle. This type of investment is a highly suitable credit solution for high-net-worth individuals (HNIs), banks, corporations, etc.

Create a balanced financial portfolio

Investors have only one goal in mind - add value to the money they are investing. In these unprecedented times, it is of utmost importance for all investors to invest wisely, and in such a way that they make most of the fluctuations in the market. This is where long-short funds come into the picture. This is a specific type of mutual fund portfolio in which some investments are held long and some investments are shorted. The objective of this type of investment is to add value to the client regardless of how the market is performing. The fund managers do this by investing on behalf of the client in long and short positions in the market. When the manager feels that a certain investment will do poorly, he/she shorts that fund by selling. In most cases, only stocks that are overvalued at the moment are shorted. Long short funds in India are relatively new, but have been found to add value to the investors.

 

This investment portfolio is also referred to as the 130/30 fund strategy. For instance, a fund manager invests 100% of the client’s initial capital in long positions in the market, then goes on to invest 30% by shorting the stocks/securities. To explain it further, the initial investment of 100% will remain in the market, while any profits earned by shorting the 30% stocks/securities will be reinvested again in the market. Through this strategy, the fund managers are in a position to create a portfolio worth 160% from the initial investment of 100%.

 

Long-short mutual funds add value to the customers by giving them the opportunity to invest in a diversified portfolio. The investment does not depend entirely on the market conditions as the diversified investment helps in creating a stabilized financial portfolio. Unlike other investment portfolios, investors have the opportunity to take advantage of both rising and falling markets in case of long-short funds. Proper advantage can be taken from the volatility in the market. There are multiple top asset management companies in India that are involved in long-short funds. One of the major advantages of this type of portfolio being that short selling is permitted in this case, while it is not for other types of mutual fund investments.

Sustainable investment is the way forward

The world is changing drastically, and along with it the need for us to be aware of sustainable practices in all aspects of our lives. In the long run, it is important for all companies and governments to be more mindful of different factors affecting the environment and should actively look at giving back to the society that nurtures them. The concept of ESG (Environment, Social, and Government) funds is a sustainable investing act that measures a company’s score on different aspects like environment-friendliness, labor laws, Corporate Social Responsibility (CSR) initiatives, human resource rights, etc. This is a means to create accountability for corporations to be responsible towards their environment and the people who work for them.

 

ESG investing is the need of the hour because it benefits both the company and the investors in the long run. Now more than ever, it is evident that companies that do not adopt sustainable practices and pollute the environment will not be able to sustain in the long run. ESG funds in India is a subtle push in the right direction, which will in turn be a win-win situation for all the parties involved. Many investors are also actively looking into investing in more such companies that are considerate towards the environment and willing to give back to the community. Data also shows that companies that rate high on the ESG score have a good debt-equity ratio.

 

Nowadays it is common for companies to have strong values that help them in building a socially and environmentally responsible business model. ESG funds India are causing a change in the marketplace, it is a good practice to show both companies and stakeholders that the future is not only about profitability. This initiative also helps to align their personal values and goals with their investment practices, they can invest only in those companies that have a high rating of ESG score. Many large investors are already adapting to such practices, and since it is within their capability to make a difference through their investment, corporations, and governments must also be ready to take responsibility and accountability.

Everything you need to know about Wealth Management

Wealth management is a branch of financial advisory service that involves consulting affluent clients on their financial needs, goals and investments. In simple terms, a wealth manager acts as an advisor to their client in matters of investments and managing their wealth. They offer tailor-made and personalised financial strategies to their clients based on their individual financial needs. Wealth management involves a broad spectrum of services like legal and estate planning, tax services, retirement planning and more. Affluent clients can seek advice from an individual expert or even hire a bigger wealth management firm based on their business needs. Hiring a wealth management firm will give the clients access to a bigger team of experts as opposed to only one individual. 

 

Wealth managers usually charge a fee based on the services they provide. This fee can differ across each service provider. For example, some wealth managers charge an hourly rate for their advisory services, some charge a flat rate etc. Most of these managers charge a certain percentage of assets they manage. You can generally see this fee in the range of 0.50% to 1%, but this varies across different accounts. While this percentage can seem like a very small number, affluent clients usually have a very big portfolio that ranges in millions of dollars. Since affluent clients have a high net worth, it’s important for them to be able to trust their advisors and consultants. It’s because they’re dealing with a lot of money. This is why the designation and background of their advisors is crucial. The top 3 financial certifications include Chartered Financial Analyst, Certified Financial Planner and Personal Financial Specialist. Before you hire a professional service or an individual to manage your wealth, it’s also important to vet their credentials and past work in the market. This is to avoid getting stuck with a service provider you can’t trust. Just like there are many investment banking firms in India, there also exist many wealth management firms that specialise in this particular division. 

Asset and liability management and finance companies

ASSET AND LIABILITY MANAGEMENT

Financial companies use asset and liability management (ALM) to mitigate financial risks associated with asset and liability mismatches. Asset and liability management techniques combine risk management and financial planning, and they're often used by businesses to handle long-term uncertainties that occur as a result of changing circumstances.

Asset and liability management is a strategy used by financial companies to address risks associated with asset and liability mismatches. Changes in the financial landscape, such as shifting interest rates or liquidity requirements, are often the cause of mismatches.

By preserving liquidity conditions, controlling credit quality, and ensuring adequate working resources, a complete ALM system focuses on long-term stability and profitability. ALM is a coordinated approach that uses frameworks to monitor an organization's entire balance sheet, unlike most risk management methods. It ensures that funds are invested optimally and that long-term liabilities are minimised.

The following are the essential elements that a sound Asset and Liability Management system for the bank:

·         Management of liquidity risk

·         Management of balance sheet ratios and NIM

·         Pricing of liabilities and assets

·         Formulation of operational planning and budgets

·         Review of foreign exchange operations investment

·         Review of credit risk management and investment portfolio

·         Outlook and movement of interest rate

 

FINANCE COMPANIES IN INDIA

About finance companies in india :

In the financial sector, the government and the Reserve Bank of India (RBI) have taken a number of steps to make it easier for Micro, Small, and Medium Enterprises (MSMEs) to obtain credit (MSMEs).

These initiatives include establishing a Micro Units Development and Refinance Agency, establishing a Credit Guarantee Fund Scheme for Micro and Small Enterprises, providing guidelines about collateral needs to banks, and formulating for Micro and Small Enterprises (MUDRA) a Credit Guarantee Fund Scheme.

Here is a list of few top Indian finance companies:

·         Bajaj Finance Limited

·         Ebix Cash World Money India Limited

·         Cholamandalam Investment & Finance Company Limited

·         L&T Infrastructure Finance Company Limited

·         LIC Housing Finance Limited

·         Mahindra & Mahindra Financial Services Limited

·         Muthoot Finance Limited

·         Power Finance Corporation Limited

·         Tata Capital Financial Service Limited

 

 

 

How do asset management companies help a business?

If you aim for your business to grow well, then it is important that you looking into investing your money, the profit that you get securely and with a strategy. If you feel that you cannot really manage the investment part or do not have enough knowledge for the same, then you can take help from any of asset management companies that can help your business to reach its target goal ultimately. It is very important for a business owner to have a meaningful investment. A meaningful investment means investing the money in such a way that you get higher returns in future.

To be able to have a flourishing business later you need to cautiously invest your money and not rely on just the liquid savings that you possess. What we mean to say is that it is essential to mindfully invest your money into assets and businesses that will give you a steady return in future. To help you decode which investment or which kind of business will actually suit your business profile, you could talk to an asset management company. They also help companies to figure ESG funds in India.

An asset management company is a firm that invests pooled investments from the clients and puts the capital to work through different investments. This applies to both tangible and non-tangible assets. Tangible assets are those that you can see and touch or those than can be physically measured. Intangible assets are those that cannot be touched or felt, and are mostly on papers. Example of tangible assets include property, gold, etc. Examples of intangible assets include bonds, shares, funds, ESG funds India etc.

Make sure that you choose your asset management firm wisely. When you visit an asset management firm, you will be enquired about your current company portfolio and your future goals for the company to get a better picture on strategizing.

The financial services offered by firms in India

The financial services industry in India has seen massive growth over the past few years, and it just keeps on going. This is also due to the increase in demand drivers such as higher disposable incomes, customized financial solutions, etc. and supply drivers including new service providers in existing markets, new financial solutions and a vast array of new products. And so, the finance companies in India have massive availability of business through the financial services industry comprising of several key subsegments. 

The services are provided to a diverse client base that involves individuals, private businesses and public organizations. 

 

Out of all the services offered, the key 4 ones include - 

• Banking  

Banking forms the backbone of the financial service sector of the country. With 12 public sector banks and 95,000+ urban/rural cooperative banks, the financial services offered include individual banking (savings accounts, debit and credit cards etc.), business banking (merchant services, treasury services, business accounts etc.) and loans (business loans, personal loans, home loans etc.).

• Wealth management

The financial services administered within this section of service involves managing and investing customers’ wealth across various financial instruments- including debt, equity, asset and liability management, insurance products, derivatives, structured products, commodities.

• Mutual Funds 

These service providers offer professional investment services across funds that are composed of different asset classes, primarily debt and equity-linked assets. Mutual funds are generally cheaper to buy into, compared to the stock market and debt products. Consequently, this investment plan has witnessed double-digit growth in assets under management over the last five years, owing to its popularity as a low-risk wealth multiplier.

• Insurance 

Insurance helps safeguard individuals and organizations against unforeseen accidents and circumstances. The services offered in this segment are generally around two categories, general insurance (automotive, medical, home etc.) and life insurance (pension plans, term-life etc.).