Distribution Services

Managing wealth is not easy, especially with the ever growing needs and products. In this fast paced world, there is a need for simplicity and consolidation. The need is to stay ahead, stay informed and stay in control.

We are very confident to be associated with various reputed financial Groups like NJ Group , Aditya Birla Group, SPA Group for Product Distribution Services. Our Aim is to provide unbiased advisory, multi product offering, technology based platform for hassle free and pleasant transaction experience along with efficient back office support.

Mutual Funds

in Association with NJ India Invest Pvt. Ltd.

Finalyst Partner is Authorised Partner of NJ India Invest Pvt. Ltd, Partner ID - 63879

AMFI Mutual Fund Advisor Registration | ARN: 83864 |

 

NJ IndiaInvest Pvt. Ltd. is one of the leading advisors and distributors of financial products and services in India. Established in year 1994, NJ has over a decade of rich exposure in financial investments space and portfolio advisory services. From a humble beginning, NJ over the years has evolved out to be a professionally managed, quality conscious and customer focussed financial / investment advisory & distribution firm.

NJ prides in being a professionally managed, quality focused and customer centric organisation. The strength of NJ lies in the strong domain knowledge in investment consultancy and the delivery of sustainable value to clients with support from cutting-edge technology platform, developed in-house by NJ.

NJ believe in having single window, multiple solutions that are integrated for simplicity and sapience making innovations, accessions, value-additions, a constant process providing customers with solutions for tomorrow which will keep them above the curve, today

NJ had over INR 10,000* Crores of mutual fund assets under advice with a wide presence in over 100+ locations in 21 states in India. The numbers are reflections of the trust, commitment and value that NJ shares with its clients.

 

NJ Client Desk

NJ Client Desk offers you a comprehensive, flexible account which consolidates all your portfolio information in a single window in a simple lucid manner. It keeps you informed of your finances and puts you in control to take smart investment decisions

Key Features of Client Desk

  • Online Access  Now you can store all your portfolio, transaction information in multiple products through NJ Client Desk and get access anytime, anywhere....
  • Meaningful Portfolio Reports  It enables you to acceed insightful reports that you 'need' to know about your portfolio and take informed invesment decisions.
  • Flexible Consolidation Facility  It is a great feature which literally takes consolidation to the next level and allows you to consolidate multiple accounts and view your entire family portfolio on a single desk
  • Automatic Updation  Your portfolio is automatically updated* on a daily basis so that you get the latest, true picture of your portfolio.


Inside NJ Client Desk

Wide Coverage of Investment / Financial Products

The NJ Client Desk is a truly comprehensive account that gives you a consolidated view of almost all your investment/financial products like:

  • Domestic Mutual Funds
  • PPF
  • NSS, NSC
  • RBI Relief Bonds
  • Life Insurance
  • Property
  • Bullion

With prices / features managed by Customers

  • Bank Deposits
  • Physical Assets (Real Estate, Bullion and others)
  • Private Equity
  • Private Debt
  • Bonds and Debentures on Secondary Market

Services

Enjoy the extra value added services on offer to you

  • Billing information available online and sent over e-mail
  • Centralised Customer Care
  • Proposed services
  • Transaction confirmation for MF transactions through NJ over e-mail / SMS (proposed)
  • Valuation Reports sent over e-mail at regular intervals

Comprehensive Portfolio Reports

enables you to get smart insights about your portfolio with access to many meaningful reports. You can also customise the reports as per your needs...

  • Net Wealth / Asset Report
  • Financial Year wise P&L
  • Consolidated Asset Allocation
  • Financial Year Wise Performance Reports

Product Wise Reports

  • For all Products in general
  • Transaction Reports
  • Valuation Reports
  • Maturity Reports
  • Performance Report

Portfolio Analytics

  • Comparison of Performance vis-a-vis benchmark
  • Mutual fund analytics
  • Consolidated AMC Exposure
  • Consolidated Stock Holding
  • Consolidated Sector Exposure
  • Consolidated Credit Profile
  • Current and Historic Financial Plans
  • Performance of Financial Plans with actual goals

Life Insurance Reports

  • Premium Reminders
  • Cash Flow Reports
  • Risk Coverage Reports

 

NJ Trading ACCOUNT

NJ Trading Account, an online account that offers you the facility to undertake transactions in mutual funds in a simple and convenient manner. With a wide choice of schemes and other flexibilities, Transactions are executed on Exchange (BSE/NSE) platform which allows you to hold your Mutual Fund units into a Dematerialized form."

INSIDE Trading ACCOUNT

The NJ Trading Account has the following features:

  • Holding of Mutual fund units in a Dematerialised format (Demat)
  • Instant SMS & email notification on your registered mobile number & email id on the confirmation of transaction
  • Existing Mutual Fund units can be converted into Demat
  • Simple & easy Trading & Demat Account opening procedure
  • Dedicated Customer care for all queries
  • Flexibility to transact online or off-line in the same folio
  • Allows to make Purchase, Redemption & NJ SIP Transactions
  • Online transaction reports along with status

KIAD (Knowledge, Information and Analysis Desk)

  • Mutual Fund Desk
  • News and views
  • Benchmark information
  • E-subscription to various publications

Services

  • Centralised Customer Care
  • Instant SMS & email notification on your registered mobile number & email id on the confirmation of transactio

 

Life insurance

You will do anything for the ones you love.Thinking about why you need life insurance can be an emotional and stressful task. However, life insurance is one of the most responsible decisions you can make to help ensure that your spouse, children or other loved ones can continue to enjoy the quality of the life they deserve. Life is unpredictable

So it is important to ensure that your family and loved ones are taken care of financially in case something should happen to you. This is where life insurance comes in.It can provide some financial peace of mind if the worst were to happen.

What is Life Insurance?

Life insurance offers a way to replace the loss of income that occurs when someone dies. Life insurance is insurance for you and your family's peace of mind. With a life insurance policy in place, you can:

  • Provide security to your family
  • Protect your home mortgage, loans, credit card borrowings etc.
  • Provide finance to your loved ones to achieve their goals in your absence
  • Ensure that your family is able to maintain their lifestyle, no matter what happens
  • Take care of your estate planning needs
  • Look at other retirement saving/investment vehicles

General Insurance

General Insurance gives you financial protection against any uncertain financial event. You can insure your house and belongings against fire and theft, your vehicle against theft and damage from accidents, or injury to yourself or loved ones for hospitalisation, illness, and surgery. Liabilities to others arising out of the law can also be insured (and is compulsory in some cases like motor third party insurance).

Types of General Insurance

Motor Insurance: Motor Insurance is a wide comprehensive cover designed to provide protection to you & your car. Protection from loss of car or damage to the car – giving a secured driving.

Medical & Health Insurance: Medical & Health Insurance is an insurance policy which is designed to cover the cost of private medical treatment, which can be very expensive, especially with hospitalisation and surgery.

Although health insurance cannot prevent a serious injury or illness, it can help you maintain financial stability. A serious injury, disability or critical illness can impact a person's emotional well-being and financial security. And while it can be difficult to think about these things, you will make a smart decision by planning for the unexpected now.

Health insurance is required when an individual is ill or requires medical checkups. It can prevent the patient from being expected to pay out of pocket expenses towards medical bills because they do not have any health insurance. Without health insurance, one may even not be able to afford expensive medical services when needed.

Health insurance can help you and your loved ones to maintain the same lifestyle. It can pay the bills, secure better health care and allow you to focus on what's important—recovery.

Following are some of the benefits for why you should have a Health Insurance:-

  • Helps protect your income - Disability Income Protection Insurance
  • Provides a monthly benefit to help maintain financial stability while you recover from a disability.
  • Provides a daily benefit to help you offset the cost of care administered in a long-term care facility or at home
  • Long-Term Care Insurance
  • Critical Illness Insurance
  • Provides a lump-sum payment to be used in case of contingency
  • Hospital Cash Plan
  • Provides a daily allowance to help you pay during your hospital stay

Home Insurance: Home Insurance policy provides a cover to the structure and contents of your home from all unforeseen natural & man-made catastrophes.

Travel Insurance: Travel Insurance / Overseas Medi-claim policy is a basic requirement when one travels abroad, either its for business, sight-seeing,shopping or pleasure.

Personal Accident: Personal Accident insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events.

Benefits of General Insurance

  • Buying general insurance policies are a provision in case of any uncertain loss that might come up during the normal course of activities.
  • An insurance cover hence rids you of the tension and the financial burden that you would suffer in case of a calamity.
  • The coverage period for most general insurance policies and plans is usually one year, whereby premiums are normally paid on a one-time basis.

Fixed Deposits & Bonds

A safe way to grow your money

A Fixed Deposit will deposit a certain amount of money with a financial institution for a fixed term at a predetermined rate. You are given the option of receiving interest income on a monthly, quarterly, biannually and annually, at interest rates higher than banks.

Why opt for Fixed Deposits?

  • If your risk appetite is low, fixed deposits are perfect for you. Since most of the instruments are rated, fixed deposits have a very high safety level.
  • Attractive returns at interest rates higher than banks.
  • You get a stable and fixed source of income
  • Interest rates are even higher for senior citizens.
  • High liquidity; most of these issuers offer 75% of the investment amount as loan @ 2% over the interest rate on the deposit, as well as a pre-maturwithdrawal.
  • You have the potential to earn compounding interest on your money by reinvesting the principal amount along with the interest earned.
  • Flexible tenure – there are various tenures ranging from 1 to 7 years
  • You can receive interest frequently; most issuers will offer monthly, quarterly, bi annual and annual cumulative deposits.
  • The operational process is extremely simple; there is no PAN requirement with fixed deposits.
  • You get direct ECS credit facility for interest payments or advance interest warrants for the year issued by most companies
  • No TDS for interest payments upto Rs. 5000/- per financial year.

Bonds

Bond refers to a security issued by a company, financial institution or government which offers regular or fixed payment of interest in return on the amount borrowed money for a certain period of time.

Thus by purchasing a bond, investor loans money for a fixed period of time at a predetermined interest rate. While the interest is paid to the bond holder at regular intervals, the principal amount is repaid at a later date, known as the maturity date. While both bonds and stocks are securities, the principle difference between the two is that bond holders are lenders, while stockholders are the owners of the organization. Another difference is that bonds usually have a defined term, or maturity, after which the bond is redeemed, whereas stocks may be outstanding indefinitely.

Customer also has the option of recurring interest along with Principal i.e Cumulative Interest. Thus a bond is like a loan: the issuer is the borrower (debtor), the holder is the lender (creditor), and the coupon is the interest. Bonds provide the borrower with external funds to finance long-term investments, or, in the case of government bonds, to finance current expenditure. Bonds must be repaid at fixed intervals over a period of time.

Real Estate

From India to a New India – the world as we know is in a metamorphosis today. The Indian economy is steadily moving forward on its path to prosperity with economic development being the focal point of the progress. India is today one of the fastest & the largest growing democracy in the world.The growth is the result of the structural changes taking place in the economy supported by the strong fundamentals and a favorable demographic profile.

The developments in the Real Estate sector symbolize this changing face of India. . The changing landscape offers a miscellany of great opportunities and greater challenges. Riding past the obscurity with sense and executing functions with efficiency, will be the key to turning your realty aspirations into a reality.

At Finalyst Partners, We understand the challenges in shaping reality from your realty aspirations. With our fully integrated end-to-end service model we offer solutions that would enable you to meet the challenges of development, fortify your own transformation and exploit the opportunities available in the Indian realty sector.

 

Residential, Commercial, Plots, Farm Houses

Our comprehensive search can instantly access property information right from your neighbourhood to anywhere across the country. We help you identify the best space available, negotiate the best price, and advise you on payment schedules, so that you always get the best property deals with Finalyst Partners.

Why invest with us ?

  • Find precise, up to date information on all properties in our portfolio
  • Unbiased advice to evaluate competing offers for best fit-to-need solution
  • Assistance in Price negotiation, site visits and transaction paperwork
  • Regular e-mails on new properties available in the city of your interest

Loans

  • Home Loan
  • Loan Against Properties
  • Loan Against Securities

Capital Market – Products
In Association with Aditya Birla Finance Limited

Loans are provided against marketable shares to individual and corporate clients on the following terms:

Tenure Up to 365 days with an option to prepay with mutually agreed repayment notice
Security As per list of approved shares
Loan amount Minimum Rs. 50 Lakhs
Interest rate Competitive
Margin 25% & above
Documentation Standard Loan Documents with PDC
Custodian Charges At Actuals

Benefits

  • Liquidity without selling the long term investments held.
  • Maximize gains on existing investments.
  • Take advantage of investment opportunities
  • Easier and faster processing

Loan against Securities Individual (LASi)

This facility enables an individual investor to buy stocks even if he cannot put up the entire amount of money. Under this facility, the investor needs to pay only a part of the total purchase value of each scrip, with the rest being provided by Aditya Birla Finance. The investor also has to pay interest on the money brought in by the financier for the purchases made by the individual. The loan or the financed amount would be recovered from the investor by liquidating the stocks in case the investor is unable to meet the ongoing (or maintenance - MTM) margin requirement.

Loan against Mutual Fund units

Loans are provided against open-ended mutual fund units to investors, Members of Stock Exchanges, Corporates and Trusts. Lien is created in favor of ABFL on the MF units held by the borrower on the following terms:

Tenure Up to 365 days
Security As per list of approved mutual funds
Loan amount Minimum Rs. 1 Crore
Interest rate Competitive
Margin 15% to 30%
Documentation Standard Loan Documents with PDC
Custodian Charges At Actuals (if held in electronic format)

Benefits

  • Higher Liquidity
  • Leverage your existing investments
  • Take advantage of investment opportunities
  • Easier and faster processing

Loan against Corporate Bonds/Govt. Securities

We provide loans against Rated Bonds on the following terms:

Tenure Up to 365 days
Security AAA rated bonds
Loan amount Minimum Rs. 1 Crore
Interest rate Competitive
Margin 10% to 30%
Documentation Standard Loan Documents with PDC
Custodian Charges As Applicable

Loan against Life Insurance Policies (LIP)

We provide loans against the life insurance policies on the following terms:

Tenure Up to 365 days
Security Life Insurance policies having surrender value
Loan amount Minimum Rs. 1 Crore
Interest rate Competitive
Margin 10% - 20% of Surrender Value or applicable MF margin for (unit linked) NAV based policies
Custodian Charges As Applicable

IPO Financing

This product offers an excellent opportunity to leverage your own funds in primary markets and thereby increase the allotment quantum manifold. We provide loans for subscription in the IPOs of equity / equity linked instruments. The investors have to invest only the margin amount and the balance amount is financed by Aditya Birla Finance. Our 'exclusive' IPO financing scheme provides a single window clearance for application, banking and follow up

Tenure 10-15 days
Loan amount Minimum Rs. 1 Crore
Interest rate Competitive
Margin Case to case basis depending upon expected allotment of shares
Documentation Standard IPO Loan Documentation
Custodian Charges As Applicable

Benefits

  • Maximize gains on your existing funds available for investments
  • Take advantage of investment opportunities
  • Procure higher allotments in IPO
  • Easier and faster processing

Line of credit against Securities

In order to enable investors to take care of unscheduled financing needs, we provide a line of credit against marketable shares and /or mutual fund units. The investors can avail the disbursement and make the repayment as per their requirements. Interest will be calculated only for the actual number of days of funds utilized. The following terms would apply:

Tenure 10-15 days
Security As per approved list of shares, and mutual funds
Loan amount Minimum Rs. 1 Crore
Interest rate Competitive
Margin 25% and above
Documentation Standard Loan Documents with PDC
Custodian Charges As Applicable

Benefits

  • Liquidity without selling your long term investments
  • Maximize gains on your existing investments
  • Take advantage of investment opportunities
  • Easier and faster processing
  • Pay interest only for the period of actual funds utilizations

Promoter Financing

We provide loans against marketable shares to promoters/companies in promoter group on the following terms:

Tenure Upto 365 days
Security Shares held by promoter & holding companies in promoter Groups
Loan amount Minimum Rs. 1 Crore
Interest rate Competitive
Margin 30% & above
Documentation Standard Loan Documents with PDC l
Custodian Charges At Actuals

Open Offer/ Buy-back Financing

We provide loans to individual and corporate clients to subscribe to Open offer/buy-back offer of reputed companies on the following terms:

Tenure 30-45 days
Security Approved list of securities
Loan amount Minimum Rs. 1 Crore
Interest rate Competitive
Margin Case to case basis depending upon expected acceptance of shares by the acquirer
Documentation Standard Loan Documents with PDC l
Custodian Charges At Actuals

ESOP Financing

We provide loans to employees of companies issuing ESOPS, to subscribe to ESOP on the following terms:

Tenure 2-13 months
Security ESOPs
Loan amount Minimum Rs. 1 Crore
Interest rate Competitive
Margin 25% and above
Documentation Standard Loan Documents with PDC l
Custodian Charges At Actuals

Cool Cash (Margin financing for MF-FPO)

Cool Cash’ provides investors an opportunity to make large investments in debt/equity mutual funds schemes by paying only the margin amount. Investors have to invest only margin amount, with ABFL financing the balance application amount.

Tenure Upto 365 days
Security Proposed Mutual Fund Units
Loan amount Minimum Rs. 1 Crore
Interest rate Competitive
Margin 15% to 30%
Custodian Charges At Actuals

Loan Against PMS of Birla Sun Life

Tenure Upto 365 days
Security Approved securities held by BSLAMC
Loan amount Minimum Rs. 1 Crore
Interest rate Competitive
Margin 15% to 66%
Custodian Charges At Actuals

Loan Against Shares Individual (LASi)

Tenure Upto 365 days
Security As per list of approved shares
Loan amount Minimum Rs. 2 Lakhs
Interest rate Competitive
Margin 25% and above
Documentation Standard Loan Documents with PDC
Custodian Charges At Actuals



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