FAQs
General
Wealth Batah Financial Services is a SEBI-registered investment advisory firm that provides comprehensive financial planning solutions including mutual funds, insurance, tax planning, retirement planning, and portfolio management services.
Yes, we are SEBI registered with ARN-249859. This ensures that our services comply with all regulatory requirements and investor protection guidelines.
We offer a wide range of services including Mutual Fund distribution, SIP planning, Insurance (Life & General), Housing loans, GIFT City investments, PMS, Sharia-compliant investments, holistic financial planning, goal-based solutions, NRI services, retirement planning, tax solutions, and portfolio reviews.
You can start by scheduling a free consultation with our financial advisors. We’ll assess your financial goals, risk profile, and recommend suitable investment options. You can contact us through our website, phone, or visit our offices.
Mutual Funds & SIP
SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly in mutual funds. It helps in rupee cost averaging and building wealth systematically. You can start with as little as ₹500 per month.
You can start SIP with as little as ₹500 per month in most mutual fund schemes. However, we recommend starting with at least ₹1,000 per month for better wealth creation potential.
Yes, SIPs are flexible. You can stop, pause, increase, or decrease your SIP amount at any time without any penalty. You can also change the SIP date to suit your convenience.
Equity mutual fund gains held for more than 1 year are taxed at 10% (LTCG) above ₹1 lakh. Debt fund gains are taxed as per your income tax slab. We provide detailed tax guidance for all your investments.
Insurance
We offer comprehensive insurance solutions including Life Insurance (Term, Endowment, ULIP), Health Insurance (Individual & Family), Motor Insurance (Car & Two-wheeler), and Home Insurance.
Generally, your life insurance coverage should be 10-15 times your annual income. However, the exact amount depends on your liabilities, dependents, and financial goals. Our advisors help you determine the right coverage.
We assist you throughout the claim settlement process. For life insurance, nominees need to submit death certificate and policy documents. For health insurance, we help with cashless treatment or reimbursement procedures.
Yes, you can purchase insurance policies online through our platform. We also provide personalized consultation to help you choose the right policy based on your needs.
Tax Planning
You can save tax through various investment options like ELSS mutual funds (Section 80C), health insurance premiums (Section 80D), life insurance premiums (Section 80C), and NPS contributions (Section 80CCD). We help optimize your tax savings.
ELSS (Equity Linked Savings Scheme) are tax-saving mutual funds with a 3-year lock-in period. You can invest up to ₹1.5 lakh per year under Section 80C and get tax deduction plus potential equity returns.
Tax planning should be done at the beginning of the financial year, not at the end. This allows you to make informed investment decisions and spread your investments throughout the year for better returns.
NRI Services
Yes, NRIs can invest in Indian mutual funds. However, certain conditions and documentation are required. We help NRIs with KYC completion, PIS account opening, and suitable fund selection.
NRIs need PAN card, overseas address proof, passport copy, visa copy, NRE/NRO account details, and overseas bank statement. We assist in completing all documentation requirements.
NRI investments are subject to TDS as per Indian tax laws. Capital gains tax rates may differ based on the investment type and holding period. We provide comprehensive tax guidance for NRI investors.
Fees & Charges
Our advisory fees vary based on the service type and investment amount. We offer transparent fee structures with no hidden charges. Initial consultation is free, and detailed fee structure is shared during the meeting.
There are no additional charges for SIP beyond the standard mutual fund expense ratio. We don’t charge any SIP processing fees or transaction charges.
We provide complimentary portfolio reviews for our existing clients annually. For new clients, we offer a comprehensive portfolio review as part of our onboarding process.