A written one-time plan covering cash flow, emergency fund, insurance gaps, goals, retirement and tax efficiency.
A financial plan puts your income, expenses, savings, protection and goals on one page, so decisions stop being made one product at a time. We prepare a written plan with clear actions and revisit it when your life changes.
The plan begins with a net-worth and cash-flow statement. From there we look at the essentials in order: an emergency fund, adequate health and term cover, loan repayment, and then goal funding for education, a home or retirement. The tax angle is included because the same rupee can be taxed differently depending on where it is invested and which regime you choose.
The output is a document that you can follow without us: a priority list of actions, target amounts and dates, and a review calendar. We do not sell products through this plan, and the figures use editable assumptions for inflation and returns, because no one can predict them.
You may need it if any of these describe you.
Assets, loans, insurance and goals in one statement.
We separate must-do items (emergency fund, cover) from goal investing.
Each goal is inflated to its future cost with transparent assumptions.
We estimate the corpus needed and the monthly saving gap.
We compare old and new regime outcomes on your numbers.
The plan describes categories and amounts, not a sales pitch.
Cash flow, protection, goals, retirement and tax in a single document.
Focused on a single goal like education, home or a business exit.
Corpus estimation, saving gap and withdrawal strategy.
A yearly refresh of the plan for returning clients.
Keep these ready to avoid delays. Send scans or photos over WhatsApp - never share passwords or OTPs.
Plain-English notes. Always verify against the official notification.
| Section / rule / form | What it means |
|---|---|
| Income-tax Act, 1961 (FY 2025-26) | Old and new tax regimes treat deductions differently; we compare both on your figures. The Income-tax Act, 2025 applies from 1 April 2026. |
| EPF, PPF and NPS rules | Contribution, withdrawal and tax rules of each scheme are set by its administering authority; we refer to the official source for current rules. |
| Insurance adequacy | Term and health cover are assessed against your liabilities, dependants and income, not a generic multiple. |
Statutory dates can be extended by notification - check the official portal before relying on them.
| Activity | Due date |
|---|---|
| Annual plan review | Once a year, ideally before the financial year-end |
| Tax-saving investments (old regime) | Before 31 March of the financial year |
Plans from our Mutual Fund & Financial Services list. Government charges and GST are shown separately.
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
| Feature | Financial Planning | SIP & Mutual Fund Guidance | Wealth Structuring | Insurance Advisory |
|---|---|---|---|---|
| Pricing model | Fixed fee | On enquiry | On enquiry | On enquiry |
| Written deliverable | Plan PDF | Summary note | Review report | Cover analysis |
| Goal mapping | Cover needs | |||
| Existing holdings review | Basic | Policies | ||
| Product distribution by us | ||||
| Review call | 1 call | Periodic | Half-yearly | Annual |
| Regulatory disclaimer |
We never mark up government payments.
From ₹2,999 for a one-time plan (editable placeholder); complex family or business situations quoted after discovery.
No government fee for the planning service.
Any product you choose to buy later carries its own charges. 18% GST applies on professional fees.
What you receive from us.
No. Planning looks at your whole position and goals. Specific securities or schemes are a separate step and carry their own regulations.
Commonly three to six months of essential expenses; we adjust for job stability, dependants and EMIs.
A plan checks if those SIPs match your goals and if protection and debt are in order.
Inflation and return assumptions are written in the plan and are editable. We show a conservative case as well.
Once a year and after major life events such as marriage, a new child, job change or property purchase.
Yes, ITR filing is a separate service; using both lets us align tax saving with your plan.
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