For surplus that has outgrown a savings account.
Asset allocation, tax efficiency and succession-ready structures for senior professionals, business owners and families managing significant capital.
What’s included
Asset allocation
A written policy across equity, debt, gold, international and cash — with rebalancing bands.
Tax efficiency
Gain harvesting, holding-period planning and instrument choice by tax slab.
Business–personal separation
For owners: keeping household wealth insulated from business cycles and liabilities.
Succession basics
Nomination, joint holding and will-readiness so assets transfer without dispute.
How we work on this
- 1
Balance-sheet view
Every asset and liability in one place, including property and business interests.
- 2
Allocation policy
Target weights, rebalancing rules and the risk you are actually being paid for.
- 3
Implementation
Staged deployment through STPs to avoid concentrating entry at a single level.
- 4
Quarterly review
Rebalancing, tax actions and updates as the family's position changes.
- Business owners with irregular but substantial surpluses
- Senior professionals with significant ESOP or bonus income
- Families managing inherited or post-liquidity-event wealth
- NRIs investing in Indian markets
Estate and tax matters are advised alongside your chartered accountant and legal counsel — we coordinate, we do not replace them.
Common questions
No formal minimum, though this service is most useful above a certain scale where allocation and tax decisions genuinely move the outcome.
No. We advise and execute through regulated platforms; your money always stays in your own name with the AMC, bank or depository.
Yes, and we prefer to. Tax and investment decisions are better made together than sequentially.
Yes, subject to FEMA and jurisdiction rules. Some products are restricted for US and Canada residents.
What could a surplus do over a decade?
Idle capital is the most expensive asset most people hold. See what the same sum does when it is actually deployed.
FreeNo sign-upNothing is stored
₹5.00 L invested once, held for 10 years at 12% p.a.
Put your surplus to work deliberately
A 30-minute conversation, no obligation. Bring your goals and current position — you'll leave with a clear first step.
- Reply within one working day
- No product pitch
- AMFI & IRDAI registered
- A 30-minute call about your goals
- A written plan, with the reasoning
- You decide — no obligation