Keshav Finserv Products & Advisory
Insurance | Investment | Loan Solutions
Keshav Finserv provides comprehensive financial solutions for Individuals, Families, Professionals, Business Owners, Industries, Builders, Contractors and Corporates. We help you choose suitable Insurance, Investment and Loan solutions based on your financial needs, goals, eligibility and risk profile.
Life Insurance
Protect your family’s financial future with suitable Life Insurance solutions.
Term Insurance
High life cover at comparatively affordable premiums.
- High sum assured at pocket-friendly premiums
- Optional Critical Illness & Accidental Disability riders
- Return of Premium (TROP) options available
Whole Life Insurance
Lifelong financial security up to 99 or 100 years of age.
- Coverage extends up to 99 or 100 years of age
- Guaranteed survival bonuses or accumulated cash values
- Loan facility available against policy cash value
Endowment Plans
Guaranteed savings coupled with life risk protection.
- Dual benefit of guaranteed returns and life protection
- Regular reversionary bonuses and terminal bonuses
- Disciplined long-term wealth accumulation
Money Back Plans
Periodic liquidity payouts throughout the policy tenure.
- Regular cash payouts (e.g. 15-20% of sum assured every 3-5 years)
- 100% life cover continues irrespective of survival payouts received
- Terminal bonus paid upon policy maturity
Child Insurance & Child Future Planning
Guaranteed financial backing for your child's education and marriage.
- Waiver of Premium (WOP) ensures policy continues even if parent passes away
- Targeted payouts mapped to child reaching 18, 21, and 24 years
- Equity and debt fund allocation choices
Retirement / Pension Plans
Guaranteed lifelong regular pension and financial freedom post-retirement.
- Accumulation phase builds substantial retirement nest egg
- Guaranteed lifelong annuity (pension) options
- Joint-life pension options to support spouse
Savings & Protection Plans
Balanced growth and reliable family coverage in a single plan.
- Flexible premium payment terms (5, 7, 10, or 12 years)
- Guaranteed income benefit options post premium term
- Life stage upgrade options upon marriage and childbirth
ULIP – Unit Linked Insurance Plans
Market-linked wealth growth combined with life insurance cover.
- Choice of Large-cap, Mid-cap, Multi-cap equity and Debt funds
- Unlimited free fund switching to capitalize on market opportunities
- Return of mortality charges upon maturity in modern ULIPs
Group Life Insurance
Affordable blanket life cover for corporate and institutional teams.
- Uniform or graded coverage based on employee hierarchy
- No individual medical tests required up to Free Cover Limit (FCL)
- Tax benefits for employer as business operational expense
Group Term Insurance
High-volume term cover for staff members at nominal corporate rates.
- Low cost per employee with annual renewal flexibility
- Enhances employer brand value and retention
- Simple onboarding with digital roster management
Key Person Insurance
Protecting company valuation and continuity against loss of key executives.
- Compensates company for profit losses and costs of finding a successor
- Reassures lenders, investors, and creditors during transition
- Premiums treated as deductible business expenditure
Employee Life Insurance
Structured employee benefit programs tailored for modern workforces.
- Boosts employee morale and talent attraction
- Customizable coverage bands according to job roles
- Seamless claim processing directly coordinated with HR
Business Continuity Protection
Buy-sell agreements and partnership debt protection.
- Prevents unwanted external interference in company management
- Provides fair and prompt cash settlement to the deceased partner's family
- Maintains operational continuity and banking lines
Health Insurance
Protect yourself and your family against unexpected medical and hospitalisation expenses.
Individual Health Insurance
Dedicated medical sum insured for individual policyholders.
- Zero room rent restrictions & no copay options
- Cashless hospitalisation across India
- Covers 60 days pre and 180 days post hospitalisation bills
Family Floater Health Insurance
Single comprehensive policy covering spouse, children, and parents.
- Single premium covers self, spouse, and up to 4 children
- Automatic restoration of sum insured if exhausted in a year
- Free annual health checkup for all adult members
Senior Citizen Health Insurance
Specialized healthcare plans designed for parents aged 60+.
- Covers pre-existing conditions after shorter waiting periods
- In-home medical care and AYUSH treatment covered
- Dedicated priority claim desks for elderly patients
Group & Corporate Health Insurance
Customized employee medical coverage with day-1 pre-existing coverage.
- Day 1 coverage for pre-existing diseases & maternity
- No medical checkups required for enrolled staff
- Digital health cards & cashless hospitalization concierge
Critical Illness Insurance
Lump-sum payout upon diagnosis of 30+ major critical illnesses.
- Covers 30 to 64 major critical illnesses
- Full lump-sum payout to manage living costs and global treatments
- Can be paired alongside existing standard health insurance
Super Top-Up & Top-Up Health Insurance
Skyrocket your cover up to ₹1 Crore at minimal fraction of regular cost.
- High sum insured (₹25L to ₹1 Crore) at nominal premiums
- Super Top-up aggregates all hospital claims within a single policy year
- Works seamlessly over your existing corporate or base personal policy
Personal Accident Insurance
Financial shield against accidental death, disability, and income loss.
- 100% lump-sum payout for accidental demise or total disability
- Weekly income replacement during temporary disability recuperation
- Covers child education grant and emergency transportation expenses
Maternity & Disease-Specific Plans
Targeted coverage for delivery, newborn care, diabetes, or cardiac care.
- Normal & C-section delivery hospital expenses covered
- Newborn baby cover from Day 1 including mandatory vaccinations
- Disease-specific plans with reduced waiting periods for chronic ailments
Overseas / International Health Insurance
Global cashless hospitalization across top medical centers worldwide.
- Global cashless access at premier international healthcare institutions
- Medical evacuation and repatriation cover
- Second medical opinion from world-leading doctors
Motor Insurance
Comprehensive and third-party protection for cars, bikes, and commercial fleets.
Car Insurance (Comprehensive & OD)
End-to-end protection for private four-wheelers.
- Zero Depreciation (Bumper to Bumper) cover
- Engine & Gearbox Protection against water ingression & oil leaks
- Return to Invoice (RTI) payouts in case of total loss or theft
Two-Wheeler Insurance (Bike & Scooter)
Affordable and swift cover for motorcycles, scooters, and EV bikes.
- Comprehensive and mandatory Third-Party only plans
- Zero depreciation cover for two-wheelers up to 5 years old
- Personal accident cover for owner-rider
Commercial Vehicle Insurance (Truck, Tempo, Taxi, Bus)
Fleet & commercial transport protection for logistics and passenger vehicles.
- Covers Trucks, Tempos, Pickups, Taxis, Buses, and Heavy Commercial Vehicles
- Third-party property damage and bodily injury liability coverage
- Driver and conductor legal liability coverage
Property & Asset Insurance
Protect your valuable residential, commercial, and industrial property against unforeseen perils.
Home Insurance (Building & Contents)
Complete shield for residential structure and home contents.
- Covers building structure against fire, earthquake, flood, explosion
- Protection for electronics, luxury furniture, and home appliances
- Burglary and theft coverage for household goods and jewelry
Shop & Office Insurance
Package policies for retail outlets, showrooms, and commercial offices.
- Covers showroom stock, fixtures, fittings, and glass facade
- Money in transit & money in safe burglary coverage
- Electronic equipment breakdown (computers, servers, POS machines)
Factory & Warehouse Insurance (Fire & Burglary)
Heavy-duty risk underwriting for industrial facilities and godowns.
- Covers factory shed, boundary walls, raw materials, and finished goods
- Machinery breakdown and business interruption (loss of profit) add-ons
- Protection against spontaneous combustion, storm, tempest, flood, and fire
Electronic Equipment Insurance (EEI)
Protection against sudden electrical, mechanical, and external damage.
- Covers microprocessors, servers, diagnostic machines, and office tech
- Protection against voltage surges, operator negligence, and short circuits
- Reinstatement value basis settlement
Business & Corporate Insurance
Comprehensive risk management solutions for MSMEs, large enterprises, and industries.
Business & SME Insurance Package
Single comprehensive umbrella policy for small and medium enterprises.
- Customizable coverage tailored to business sector
- Covers business interruption and fixed overhead costs during shutdown
- Money insurance, fidelity guarantee, and plate glass covers
Machinery Breakdown Insurance (MBD)
Coverage for unexpected mechanical and electrical breakdown of industrial machines.
- Covers cost of replacement parts and expert repair labor
- Protection against faulty material, design flaws, and operator error
- Can be combined with Loss of Profits following machinery breakdown (MLOP)
Business Interruption & Loss of Profit Insurance
Protects ongoing business profits and fixed overheads after insured damage.
- Covers standing charges (salaries, taxes, bank interest)
- Pays net profit that would have been earned without disruption
- Covers increased cost of working in temporary premises
Money & Fidelity Guarantee Insurance
Safeguards against cash transit robbery and employee dishonesty or embezzlement.
- Money in transit from bank to office / clients
- Money in locked safe or cash counter overnight
- Fidelity guarantee covering fraudulent acts of accountants and cashiers
Marine & Transit Insurance
Protection for goods and cargo during transportation by sea, air, rail, and road.
Marine Cargo Insurance (Import & Export)
International transit protection conforming to Institute Cargo Clauses (ICC A, B, C).
- Institute Cargo Clauses (A, B, C) coverage options
- Door-to-door transit coverage from overseas seller to Surat godown
- Customizable war and strike perils add-on
Inland Transit & Road Transport Insurance
Domestic goods-in-transit cover by truck, tempo, or rail.
- Covers goods moving by registered road transport / rail
- Single transit policies or Annual Open Cover (AOC) policies
- Loading and unloading damage coverage options
Stock Transit & Courier Insurance
Specialized transit cover for high-value parcels and courier movements.
- Covers valuable parcels sent via authorized logistics & courier partners
- All-risk coverage from pickup to final recipient signature
- Quick dispute and lost parcel claim resolution
Contractor & Project Insurance
Insurance solutions for construction, civil infrastructure, and engineering projects.
Contractor All Risk (CAR) Insurance
All-inclusive coverage for civil building and infrastructure construction projects.
- Covers civil construction of residential high-rises, commercial hubs, bridges, roads
- Protection against natural calamities, collapse, fire, and structural failures
- Third-party liability covering adjacent property damage or passerby injury
Erection All Risk (EAR) Insurance
Specialized coverage for machinery installation and plant commissioning.
- Covers installation of textile plants, power generation units, chemical reactors
- Includes cold and hot testing phase risk cover
- Covers manufacturer's specialists and contractor's personnel liability
Contractors Plant & Machinery (CPM)
Insurance for excavators, cranes, transit mixers, and earthmoving gear.
- Covers JCBs, cranes, piling rigs, concrete batching plants, generators
- Protection while working on active construction sites or at rest
- Clearance of debris and third-party property damage add-ons
Workmen Compensation (WC) Insurance
Mandatory statutory protection for construction and factory laborers.
- Statutory compliance under Employee's Compensation Act, 1923
- Covers medical expenses, disability compensation, and fatal accident payouts
- Covers direct payroll workers as well as sub-contracted labor
Liability Insurance
Protection against legal defence costs, statutory liabilities, and third-party damages.
Directors & Officers (D&O) Liability
Protects personal assets of board members and key executives.
- Covers legal defense costs and settlement compensations
- Protects personal wealth and assets of board members
- Worldwide coverage including foreign jurisdiction lawsuits
Professional Indemnity (Doctors, CAs, Lawyers, Architects)
Legal protection against professional malpractice and negligence allegations.
- Covers legal defense expenses and court-awarded compensation
- Specialized policies for Medical Practitioners (Doctors, Hospitals)
- Errors & Omissions (E&O) coverage for IT software developers and CAs
Public & Commercial General Liability (CGL)
Shields your business against third-party bodily injury and property damage.
- Covers third-party bodily injury and accidental property damage on premises
- Product liability add-ons for manufactured goods causing consumer harm
- Essential for international export contracts and vendor compliances
Cyber Liability Insurance
Financial safety against ransomware, data breaches, and cyber fraud.
- Covers data breach notification and forensic audit costs
- Ransomware extortion mitigation and business interruption losses
- Third-party privacy liability and regulatory GDPR / DPDP fines defense
Travel Insurance
Comprehensive protection for domestic and international journeys, student travel, and business trips.
International & Schengen Travel Insurance
Mandatory visa-compliant travel medical insurance for worldwide trips.
- 100% compliant with Schengen visa minimum €30,000 medical cover
- Cashless hospital admissions worldwide with 24/7 global helpline
- Covers baggage delay/loss, trip interruptions, and passport reissuance
Student Overseas Travel & Health Insurance
Custom-tailored plans for students pursuing higher studies abroad.
- University waiver compliant (covers pre-existing illnesses & mental health)
- Covers study interruption, sponsor protection, and compassionate visit
- Bail bond and dental/vision emergency care add-ons
Senior Citizen & Domestic Travel Insurance
Worry-free domestic tours and specialized medical covers for elderly travelers.
- Covers travelers up to 85+ years with minimal medical tests
- Emergency medical evacuation and ambulance transport
- Domestic air and train transit accident and luggage protection
Specialised Insurance
Tailored micro-insurance, rural, pet, agriculture, event, and credit protection.
Trade Credit Insurance
Protects your accounts receivable against buyer bankruptcy and payment default.
- Covers commercial insolvency of domestic and international buyers
- Protects balance sheet liquidity and working capital cash flows
- Helps secure better bank financing against insured debtors
Event & Exhibition Insurance
Coverage for weddings, trade expos, sports tournaments, and concerts.
- Covers wedding cancellations, diamond/textile trade expo postponements
- Public liability for attendees and sound/lighting equipment damage
- Money and cash counter insurance on venue
Pet, Agriculture & Rural Micro Insurance
Comprehensive veterinary care for pets and rural agriculture risk safety.
- Pet surgery, accidental injury, and third-party bite liability
- Pradhan Mantri Fasal Bima Yojana (PMFBY) & weather-based crop cover
- Affordable rural micro-insurance packages
Mutual Fund Investment
Disciplined wealth creation through systematic investing and professional fund management.
SIP – Systematic Investment Plan
Harness the power of monthly rupee-cost averaging and compounding.
- Automated monthly or quarterly disciplined investing
- Rupee cost averaging mitigates market volatility
- Flexibility to pause, increase (Top-Up SIP), or redeem anytime
Lump Sum Investment
Deploy surplus business cash or festival bonuses into strategic asset classes.
- Instant allocation of surplus liquidity
- Can be deployed into Arbitrage / Liquid funds with STP into equity
- High liquidity with T+1 redemption into bank account
Equity Mutual Funds (Large, Mid, Small & Flexi-Cap)
Capital appreciation by participating in India’s leading corporate growth stories.
- Large Cap: India's top 100 bluechip companies with proven balance sheets
- Mid & Small Cap: High growth enterprises with superior alpha potential
- Flexi-Cap: Dynamic fund allocation across all market capitalizations
Debt, Liquid & Hybrid Mutual Funds
Capital preservation, regular income, and balanced risk-reward.
- Balanced Advantage Funds: Dynamic asset allocation between equity & debt
- Liquid & Overnight Funds: Higher returns than bank savings account for idle business cash
- Corporate Bond & Banking & PSU Funds for predictable fixed income
ELSS – Tax-Saving Mutual Funds
Save up to ₹46,800 under Section 80C with the shortest 3-year lock-in.
- Shortest lock-in period (only 3 years vs 5 years for FD, 15 years for PPF)
- Superior historical returns compared to all other 80C instruments
- Available via lump-sum and monthly SIP routes
SWP, STP & New Fund Offers (NFO)
Systematic cash withdrawals, phased rebalancing, and thematic new funds.
- Systematic Withdrawal Plan (SWP): Tax-optimized regular monthly cash flow
- Systematic Transfer Plan (STP): Staggered rupee-cost averaging from lump sums
- New Fund Offers (NFO): Participate in emerging economic sectors & themes
Market-Linked Investments
Direct market instruments subject to SEBI regulations and individual risk tolerance.
Shares, Direct Equity & IPOs
Direct ownership in publicly traded enterprises and initial public offerings.
- Direct equity holding in client's own Demat account
- Participation in Mainboard & SME Initial Public Offers (IPOs)
- Long-term dividend income and voting rights as equity shareholder
Bonds, Sovereign Gold Bonds & Govt Securities
Fixed coupon yield with sovereign and AAA-rated security.
- Sovereign Gold Bonds (SGB) with tax-free capital gains at maturity
- AAA & AA+ rated corporate bonds with 8.5% to 11% fixed annual yields
- Capital gains tax exemption bonds under Section 54EC (NHAI / REC)
ETFs, REITs & InvITs
Low-cost index tracking and commercial real estate & infrastructure yields.
- ETFs track Nifty 50, Gold, Silver, and Nasdaq 100 seamlessly on exchanges
- REITs (Real Estate Investment Trusts) distribute quarterly rental dividend yields
- InvITs provide high cash payout from operational toll roads & power assets
Goal-Based Investment Planning
Structure your savings and investments around tangible personal and family milestones.
Child Education & Marriage Planning
Ensure an inflation-beating fund for your child’s college degree and dream wedding.
- Targeted goal calculator factoring domestic and overseas tuition fees
- Gradual de-risking from equity to debt as the milestone approaches
- Guaranteed peace of mind without taking emergency education loans
Retirement Planning & Long-Term Wealth Creation
Accumulate a multi-crore corpus to sustain your post-retirement lifestyle.
- Comprehensive retirement corpus calculation based on desired monthly lifestyle
- Diversified asset allocation across equity, debt, gold, and real estate
- Post-retirement SWP structuring for regular monthly tax-free cash flows
House Purchase, Business Expansion & Emergency Fund
Build down-payment liquidity and 6-12 months emergency safety net.
- Emergency Fund in liquid funds yielding 6.5-7% with instant 24/7 ATM withdrawal
- Medium-term capital accumulation for real estate down payments
- Tax planning and annual portfolio rebalancing review with certified advisors
Home Loan Solutions
Competitive interest rates and maximum tenure for purchasing or building your dream home.
Home Purchase & Construction Loan
Finance up to 85-90% of property value with lowest floating/fixed interest rates.
- Financing up to 90% of registered property value
- Extended repayment tenure up to 30 years with affordable EMIs
- Pre-approved projects with leading Surat builders for faster sanction
Home Extension & Renovation Loan
Upgrade, furnish, or add extra floors to your existing residential house.
- Substantially lower interest rates compared to personal loans
- Funding based on contractor estimate and architect valuation
- Flexible disbursal mapped to construction completion stages
Home Loan Balance Transfer & Top-Up
Switch your existing high-interest home loan to save lakhs in interest.
- Reduce interest rate by 0.5% to 1.5%, saving lakhs in total interest
- Additional Top-Up loan up to ₹50 Lakhs for personal or business use
- Zero or minimal balance transfer processing charges
Property Loans (Loan Against Property)
Unlock the liquid value tied up in your residential, commercial, or industrial real estate.
Loan Against Residential Property
Mortgage your residential bungalow, flat, or plot for high liquidity.
- Funding up to 65-75% of market valuation
- Interest rates starting from 8.95% onwards
- Long repayment tenures up to 15-20 years for comfortable EMIs
Loan Against Commercial & Industrial Property
Leverage shops, offices, warehouses, and factory sheds for working capital.
- Covers shops in Ring Road textile markets, offices in Vesu, and GIDC factory plots
- Overdraft (OD) or Term Loan facility as per business cash flow requirements
- Balance transfer and top-up facility available on existing commercial mortgages
Business & MSME Loans
Unsecured working capital, machinery finance, and expansion loans for enterprises.
Unsecured Business Loan (Collateral Free)
Collateral-free business funding up to ₹75 Lakhs in 3-5 working days.
- No collateral or property mortgage required
- Loan amounts from ₹5 Lakhs up to ₹75 Lakhs
- Fast sanctions in 3 to 5 business days
Machinery & Equipment Finance
Finance new or imported weaving looms, embroidery machines, and CNC gear.
- Funding up to 80-90% of proforma invoice value
- Moratorium period options during machine transit and installation
- Competitive commercial interest rates
Cash Credit (CC) & Working Capital Overdraft (OD)
Revolving credit line mapped to stock and debtor book debts.
- Pay interest only on the utilized amount, not on the total sanctioned limit
- Annual renewal with enhancement options based on turnover growth
- Letter of Credit (LC) and Bank Guarantee (BG) limits available
Personal Loans
Instant unsecured funds for weddings, medical emergencies, travel, and debt consolidation.
Personal Loan (Wedding, Medical, Education, Travel)
Unsecured personal loan up to ₹40 Lakhs with instant approval.
- Loan amounts from ₹50,000 to ₹40 Lakhs
- Tenures ranging from 1 year to 5 years
- No collateral, guarantor, or security needed
Debt Consolidation Loan
Combine multiple credit card dues and high-cost debts into a single low EMI.
- Save up to 50% on monthly interest compared to credit card rollovers
- Single fixed EMI payment every month
- Improves credit score (CIBIL) over time
Vehicle Finance
Attractive loans for new cars, used cars, two-wheelers, and commercial transport vehicles.
New & Used Car Loans
Up to 90-100% on-road funding with low EMI schemes.
- Up to 100% on-road funding for select car models
- Tenures up to 7 years with step-up EMI options
- Used car valuation and financing up to 85% of market value
Commercial Vehicle & Heavy Transport Finance
Funding for trucks, buses, tempos, tankers, and transit mixers.
- Covers Light Commercial Vehicles (LCV) and Heavy Commercial Vehicles (HCV)
- Funding for body building and chassis purchase
- Fleet renewal and refinance schemes
Professional Loans
Specialized high-limit credit lines for Doctors, CAs, Architects, and Engineers.
Doctor & Hospital Setup Loan
Specialized funding up to ₹1 Crore for clinic setup and medical diagnostic equipment.
- Unsecured loans up to ₹1 Crore based on medical degree & vintage
- Preferential low interest rates for healthcare professionals
- Flexible repayment with no end-use restrictions
Loans for Chartered Accountants, Architects & Engineers
Working capital and office modernization loans for certified professionals.
- Unsecured loans up to ₹50 Lakhs based on COP (Certificate of Practice)
- Fast sanction in 48 hours with minimal financial paperwork
- Used for office purchase, staff scaling, or tech infrastructure
Other Financing Solutions
Loan against securities, gold loans, project finance, and debt restructuring.
Loan Against Securities (LAS) & Gold Loan
Get instant liquidity without selling your mutual funds, shares, or gold.
- Pledge mutual funds & shares digitally with zero physical paperwork
- Instant credit limit activated within 2 to 4 hours
- Pay interest only on the exact funds utilized
Project Finance & Structured Business Funding
Large-scale project debt syndication for industrial and builder developments.
- Debt syndication from ₹10 Crore up to ₹250+ Crore
- Preparation of Detailed Project Reports (DPR) and financial modeling
- Structuring repayment aligned with project sales / cash realization milestones
Customized Financial Advisory for Every Sector
Our financial solutions are tailored specifically for the unique economic fabric and growth aspirations of Surat and South Gujarat.
Individuals & Families
Comprehensive health shields, pure term life security, child higher education SIPs, and home purchase financing.
Salaried Employees & IT Pros
Tax-saving ELSS funds, term life insurance, home loan balance transfers, and disciplined retirement wealth compounding.
Business Owners & Traders
Unsecured MSME working capital, stock transit insurance, cash credit facilities, and commercial property loans.
Textile & Diamond Industrialists
Factory fire insurance, marine export cargo, machinery term loans, trade credit protection, and key person insurance.
Doctors & Healthcare Professionals
Professional indemnity, specialized clinic setup loans up to ₹1 Cr, high-conviction PMS, and custom wealth plans.
Builders & Civil Contractors
Contractor All Risk (CAR), workmen compensation, equipment machinery finance, and project debt syndication.
Corporates & Enterprises
Group medical covers, Directors & Officers liability, business interruption policies, and corporate debt advisory.
Self-Employed Professionals (CA/Lawyers/Architects)
Fast professional loans based on Certificate of Practice (COP), goal-based investment planning, and office mortgages.
One Place for All Your Financial Needs
Protect Your Family | Grow Your Wealth | Fund Your Dreams | Secure Your Future
360° Financial Assessment
We analyze your existing portfolio, liabilities, risk appetite, family milestones, and business cash cycles.
Multi-Institution Comparison
We evaluate 20+ top insurance companies, mutual fund AMCs, and banks to design unbiased, cost-effective solutions.
Seamless Implementation
Our operations team manages documentation, KYC, medical coordination, and fast bank sanctions with zero hassle.
Lifelong Support & Claims Concierge
24/7 dedicated hospital claim assistance, annual portfolio rebalancing, and debt renegotiation as your wealth grows.
Need Help Choosing the Right Plan?
Speak with our senior financial advisors in Surat for free personalized comparisons across 20+ insurance companies, mutual funds, and banks.
Regulatory Compliance & Disclosures: Keshav Finserv is an independent financial advisory firm in Surat. All products and services are subject to eligibility, applicable terms and conditions, documentation, underwriting, regulatory requirements and approval by the respective insurance company, financial institution, lender or investment product provider.
Investment products are subject to market risks and returns are not guaranteed unless specifically stated by the product issuer. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully before investing.