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FAQ’s

Everything You Need to Know — Simplified

You can start a SIP (Systematic Investment Plan) with as little as ₹500 per month. Lump sum investments typically begin at ₹5,000.

Mutual funds are regulated by SEBI and offer varying levels of risk depending on the type (equity, debt, hybrid, etc.). While not risk-free, they are considered a relatively safe and transparent investment option when matched with your risk appetite and investment goals.

You can track your portfolio via:

  • AMC (Asset Management Company) websites
  • CAMS or KFinTech portals
  • Mutual fund tracking apps (like Groww, Zerodha Coin, Kuvera, Paytm Money)
  • Consolidated Account Statements (CAS) emailed monthly

Term life insurance is considered the best for tax benefits due to:

  • Low premiums
  • High coverage
  • Tax deduction under Section 80C up to ₹1.5 lakh
  • Payouts are tax-free under Section 10(10D)

Yes, medical tests are generally required for term insurance to assess your health status. However, some policies may waive tests for lower cover amounts or younger applicants, but this may affect premiums.

Yes, NRIs (Non-Resident Indians) can purchase life insurance policies in India, subject to:

  • Valid identity & address proof
  • FATCA compliance
  • May require medical tests in India or approved overseas labs

We offer a wide range of general insurance products, including:

  • Health Insurance
  • Motor Insurance (car, two-wheeler)
  • Home Insurance
  • Travel Insurance
  • Personal Accident Insurance
  • Commercial & Business Insurance

You can file a claim in two ways:

Cashless Claim: Go to a network hospital, show your e-card, and the insurer settles the bill directly.

Reimbursement Claim: Pay the bills upfront, then submit documents to the insurer for reimbursement.

Required documents may include:

  • Claim form
  • Medical reports
  • Hospital bills
  • Discharge summary
  • ID proof

For most salaried individuals:

  • Form 16
  • PAN card
  • Aadhaar card
  • Bank account details
  • Investment proofs (for deductions)
  • TDS certificates
  • Interest certificates (FDs, savings)
  • Capital gains reports (if applicable)

If you receive an Income Tax notice:

  • Don’t panic — Read the notice carefully.
  • Log in to https://www.incometax.gov.in and check the e-proceedings section.
  • Respond within the deadline mentioned.
  • Seek help from a CA or tax consultant if unsure.