Financial planning brings together your income, expenses, savings, investments, insurance, liabilities, taxes and financial goals to create a structured long-term strategy.
For example, investing ₹20,000 per month for 15 years means total contributions of ₹36 lakh. At an illustrative annualised return of 10%, compounded monthly, the investment could grow to approximately ₹82.9 lakh. Actual returns depend on the investment and market conditions and are not guaranteed.
Tax treatment depends on the financial product and applicable provisions. For example, eligible investments under Section 80C can qualify for deductions subject to conditions and the overall ₹1.50 lakh annual limit. Other investments and insurance products have different tax rules.
Financial products are regulated by applicable authorities such as SEBI, IRDAI, PFRDA and RBI, depending on the product.
Use a Financial Planning Calculator to estimate savings and investment requirements, and explore financial planning guides for practical information.
Investment returns, tax benefits and product features are subject to applicable market conditions, laws, regulations and product terms.
Key Features
- Financial Goal Planning
- Investment Planning
- Insurance Planning
- Retirement Planning
- Cash Flow Management
- Tax Planning Guidance
- Risk Assessment
- Portfolio Review