We design financial product matrix based on unique needs of our investors. We are inspired by wisdom from the past and driven by today’s research standards.
Financial products that generate wealth are long term in nature. We are aware that in this long journey, investors are looking for people whom they can trust. This awareness helps us keep our investors at the center of what we do. If a product is not suitable to our investor, we won’t offer them. Period.
Our founder began his career in financial markets before the global financial crises of 2008. Since then, he has witnessed and experienced number of economic and asset market cycles. This experience of more than 13 years, first working with a leading mutual fund company and later with valued investors, helps us understand the risks of a particular product better.
Every product offered is being researched on a regular basis. Our research is not mere looking at past returns but much more. For e.g., we take deep interest in how the portfolios change for a given mutual fund scheme in each economic environment. We look at many fundamental parameters which affect the long-term risks and return matrix of the product that we are offering.
Mutual Funds
Listed Companies
Insurance Products
Fund Houses
Financial products can be broadly classified under 3 major categories. Products that aid in growth of invested amount, products that aid to preserve the value of the invested amount, and products that insure the present and future financial needs of a family in an unforeseen event. We deal with all the categories to help investors as per their unique needs.
A mutual fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, money market instruments, and other assets. Mutual funds are operated by professional money managers, who allocate the fund's assets and attempt to produce capital gains or income for the fund's investors. A mutual fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus.
Portfolio Management Services (PMS), service offered by the Portfolio Manager,is an investment portfolio in stocks, fixed income, debt, cash, structured products and other individual securities, managed by a professional money manager that can potentially be tailored to meet specific investment objectives. When you invest in PMS, you own individual securities unlike a mutual fund investor, who owns units of the fund. You have the freedom and flexibility to tailor your portfolio to address personal preferences and financial goals. Although portfolio managers may oversee hundreds of portfolios, your account may be unique.
A bond is a fixed income instrument that represents a loan made by an investor to a borrower (typically corporate or governmental). A bond could be thought of as an I.O.U. between the lender and borrower that includes the details of the loan and its payments. Bonds are used by companies, municipalities, states, and sovereign governments to finance projects and operations. Owners of bonds are debtholders, or creditors, of the issuer. Bond details include the end date when the principal of the loan is due to be paid to the bond owner and usually includes the terms for variable or fixed interest payments made by the borrower.
Like banks, several companies and NBFCs are also allowed to collect deposits for a fixed tenure at a prescribed interest rate. Such deposits are called corporate Fixed Deposits. Similar to banks they come with the assurance of guaranteed returns and flexibility of choosing the tenure.Plus, corporate FDs provide a higher interest rate than bank FDs
If an investor wants to buy or sell equity securities, they need a demat and a broking account. Through this demat and broking account investors can take direct exposure to equity securities of their interest. Due to technological advancements, equity broking has become largely online with brokerage rates coming down each and every year. We provide the platform for direct equity investing to our investors through associate brokerage houses.
Insurance is a legal agreement between two parties i.e., the insurance company (insurer) and the individual (insured). In this, the insurance company promises to make good the losses of the insured on happening of the insured contingency. The contingency is the event which causes a loss. It can be the death of the policyholder or hospitalization of the policy holder. It’s called a contingency because there’s an uncertainty regarding happening of the event. The insured pays a premium in return for the promise made by the insurer.
Pahal is a hindi word which means Initiative. Initiative means the power or opportunity to gain an advantage before other people do. The key to making change happen in all aspects of life is by taking the initiative to do so. All success takes initiative, no matter who you are or where you are going.
We, at Pahal Financial have taken this initiative towards peaceful investing. This initiative of ours is deeply personal. We have repeatedly seen our friends and family members struggling with the plethora of products and jargons when they are looking for investment options. This leads to confusion and procrastination. We are confident that with our understanding of financial products, along with our experience and training in financial markets, we can help our clients make peaceful investment decisions. After more than a decade in financial services industry, we have developed a fundamental understanding of various financial products available in the markets and can explain the same to our clients in an easy-to-understand language. We want to educate our clients about the various financial products and concepts so they can pursue their peaceful investment decisions.
