Services

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Financial Health Checks (individuals)

Diagnostic tool – Financial Health check up, mitigates risks, saves considerable time and effort but also acts as a guide to recommend mid-course corrections.

Basic (Rs. 500/-)

What to expect

  • Net worth statement
  • Ratio analysis & what it means.
  • Recommendations to manage you assets and liabilities

How it works?

  • Sign Up/Sign In
  • Click on the Financial Health Check option.
  • Fill in the fields with the data as accurate as possible.
  • Save.
  • Pay as per the invoice.
  • Our financial planners will analyze the data. The result with recommendations to manage your assets and liabilities is sent via Email.

Delivery

  • Via Email only
  • Min time 1 working day. Max time required is 2 to 3 working days depending on the rush of enquiries and availability of financial planners.

Advanced (Rs. 2000/-)

What to expect

  • Net worth statement
  • Cash Flow statement
  • Ratio analysis & what it means.
  • Recommendations
  • Strengths and weaknesses
  • Indicative insurance requirement for:
    • Life
    • Health
    • Personal accident and disability
    • Property insurance
  • Current portfolio analysis
  • Indicative Retirement corpus requirement
    • Accumulation phase scenario
    • Distribution phase scenario
  • Tax planning suggestions
  • Estate/succession planning suggestions

How it works?

  • Write to us if you wish for a detailed Financial Health Check
  • Pay as per the invoice.
  • Our Planners will call you and arrange for a Skype meeting to discuss and take the required relevant data from you.
  • The results are sent via Email.

Delivery

  • Via Email only
  • 2 to 3 working days depending on the rush of enquiries and availability of financial planners.

Unbiased Advice (individuals)

We value your time. We understand your needs. We are aware you need to select financial products and services from a plethora of options, whether it is insurance or investment products. We do not promote any particular brand or product.

Unbiased Advice (individuals) - Rs. 200/ per question

Answers to your queries about topics/issues that are pain points for you with regard Investments and Insurance. E.g.: -

  • Query: I have been investing Rs. 5000/- per month in XYZ Debt Mutual fund for past 3 years. Accumulated amount is Rs. 2,09,438. I am not sure if it is enough for creating the kind of amount (Rs. 5 lakhs) that I need 2 years down the line. Also the fund was performing earlier but of late it has shown a down turn. Current rate of return is 5%. What should I do?
  • Answer: If you continue with the fund with the SIP amount of Rs. 5000/- you will not be able to achieve the 5 lakhs target 2 years from now. The options you have are:
    • Increase the amount of SIPs to Rs. 10000/- in the XYZ Debt fund for the remaining 2 years. Its non-performance may be temporary and it could pick up eventually. Take indexation benefit for capital gains at the time of withdrawal.
    • Withdraw the amount (take indexation benefit since it is already 3 years) and park it in ABC Arbitrage fund and start SIP in the same for Rs. 10000/- for the remaining 2 years. Gains in a Arbitrage funds will be taxed at 10% for the amount over and above 1 Lakh.

How it works?

  • Sign Up/Sign In
  • Click on Questions -> Ask a Question
  • Give a title to your question e.g. Debt Mutual Funds investment.
  • Select a suitable Category and Sub – Category.
  • Type in your question in about 100 to 200 words and submit.
  • You may also upload a scanned document if required, and submit.
  • Pay as per the invoice.
  • The answer is received on the mobile app.

Delivery

  • On the mobile app.
  • Min Time 1 working day. Max time required is 2 to 3 working days depending on the rush of enquiries and availability of financial planners.

Note * The consultant may require some important information, which is missing in your question. In such a case the consultant will revert back to you for more information and if required mention the time needed to answer your query.

Tax & Estate Advice (individuals)

Take experts’ guidance on tax planning. Protect your wealth and secure the future of the next generation.

Tax & Estate Advice (individuals) – Rs. 200/- per question

What to expect

  • Answers to your queries about topics/issues that are pain points for you with regard Tax planning or Estate planning. E.g.: -
    • Query: My mother has some jewellery (family heirlooms), some of which she would like to give me, but my sister in law is adamant that since she is the daughter in law she is the rightful owner for all of the jewellery. This is creating a lot of friction in the family. Please advise.
    • Answer: Since it your mother’s ‘stridhan’ she has all the right to do with it as she pleases. As per the Hindu Succession (Amendment) Act 2005, a daughter has equal right in her parents’ property. It is recommended that your mother make a Will. The Will can be made on a plain paper but a few things need to be taken in to account:
      • Get the jewellery valued from a govt. valuer to ascertain its value in Indian Rupees.
      • A medical certificate from a doctor that your mother is of sound mind & health.
      • Your mother should state that the Will is not made under coercion, threat or undue influence.
      • Attach photographs of the Jewellery to the Will for better understanding and description.
      • Though it is not compulsory it is advised that you register the Will with the registrar’s office.
      • You will need 2 witnesses.

How it works?

  • Sign Up/Sign In
  • Click on Questions -> Ask a Question
  • Give a title to your question e.g. Family Jewellery.
  • Select a suitable Category and Sub – Category.
  • Type in your question in about 100 to 200 words and submit.
  • You may also upload a scanned document if required, and submit.
  • Pay as per the invoice.
  • The answer is received on the mobile app.

Delivery

  • On the mobile app.
  • Min Time 1 working day. Max time required is 2 to 3 working days.

Note * The consultant may require some important information, which is missing in your question. In such a case the consultant will revert back to you for more information and if required mention the time needed to answer your query.

Startups

Are you boot strapped? Take guidance from professionals to solve several challenges you may encounter, particularly during the phase of infancy of your enterprise.

Startups - Rs.500/- per question

What to expect

  • • Answer to queries about topics/issues that concern you with regards to your startup venture. Business plan, Agreements and licenses, cash Flows etc. E.g.
    • Query: I have a concept in mind to develop a mobile application. Currently it is my sister and me who will be running the day-to-day operations. I am investing some of my savings to developing this application. I am wondering what kind of license should I get for my Startup venture?

How it works?

  • Sign Up/Sign In
  • Click on Questions -> Ask a Question
  • Give a title to your question e.g. License
  • Select a suitable Category and Sub – Category.
  • Type in your question in about 100 to 200 words and submit.
  • You may also upload a scanned document if required, and submit.
  • Pay as per the invoice.
  • The answer is received on the mobile app.

Delivery

  • On the mobile app.
  • Min Time 1 working day. Max time required is 2 to 3 working days.

Note * The consultant may require some important information, which is missing in your question. In such a case the consultant will revert back to you for more information and if required mention the time needed to answer your query.

Business Owners

FinaQA™ can guide you to make the right decisions and provide the required direction to help you run a profitable enterprise with help of our empanelled professionals.

Proprietary Business owner - Rs.500/- per question

What to expect

  • Answer to queries about topics/issues that concern you with regards to your startup venture. Business plan, Agreements and licenses, cash flows E.g.
    • Query: I have a small boutique shop where I design clothes for my clients. After more than a year and a half I am still having difficulty in generating any positive cash flows. I fear my initial investments were too high like renovating the boutique. What is the way out of this dilemma?

How it works?

  • Sign Up/Sign In
  • Click on Questions -> Ask a Question
  • Give a title to your question e.g. Cash Flow analysis
  • Select a suitable Category and Sub – Category.
  • Type in your question in about 100 to 200 words and submit.
  • You may also upload a scanned document if required, and submit.
  • Pay as per the invoice.
  • The answer is received on the mobile app.

Delivery

  • On the mobile app.
  • Min Time 1 working day. Max time required is 2 to 3 working days.

Note * The consultant may require some important information, which is missing in your question. In such a case the consultant will revert back to you for more information and if required mention the time needed to answer your query.

Micro Small Medium Enterprises

Running an enterprise is always demanding. From managing financials, branding, taxation, to risk management. This is your One-stop-shop to seek advice and timely guidance.

MSME- Rs.500/- per question

What to expect

  • Answer to queries about topics/issues that concern you with regards to your startup venture. Business plan, Agreements and licenses, cash flows E.g.
    • Query: My 2 partners and I have a small manufacturing unit for pipes. All have contributed equally to the setting up this business. Currently we are working on very thin margins, and would like to improve the same, as we want to avoid taking any loans. Loans for small enterprises are very expensive and we fear that it will cut into our margins further. Please find attached our cash flow statements.

How it works?

  • Sign Up/Sign In
  • Click on Questions -> Ask a Question
  • Give a title to your question e.g. Income & Expenses Statement
  • Select a suitable Category and Sub – Category.
  • Type in your question in about 100 to 200 words and submit.
  • You may also upload a scanned document if required, and submit.
  • Pay as per the invoice.
  • The answer is received on the mobile app.

Delivery

  • On the mobile app.
  • Min Time 1 working day. Max time required is 2 to 3 working days.

Note * A consultant may require some important information, which is missing in your question. In such a case the consultant will revert back to you for more information and if required mention the time needed to answer your query.

Premium Services (individuals)

Multinational Fund availability

To derive a judgmental factor from experts in deciding the best of investment opportunity in either of the countries considering factors like Tax residency, source & destination of income, & tax levy in respective countries.

Premium Services (individuals) - Rs.500/- per question

What to expect

  • Answer to queries about topics/issues that concern you with regards to your investment opportunities in either of the countries taking into consideration the tax implications. E.g.
    • I am a NRI from USA, (holding a green card) and would like to know what investments will be most suitable for me? I plan to stay in India after my retirement 15 years from now.
    • I would like to know the suitability of PMS by brokerage houses, or any such investments, which can be repatriated to my country of residence? And what will be the tax implications for the same?

How it works?

  • Sign Up/Sign In
  • Click on Questions -> Ask a Question
  • Give a title to your question e.g. Portfolio
  • Select a suitable Category and Sub – Category.
  • Type in your question in about 100 to 200 words and submit.
  • You may also upload a scanned document if required, and submit.
  • Pay as per the invoice.
  • The answer is received on the mobile app.

Delivery

  • On the mobile app.
  • Min Time 1 working day. Max time required is 2 to 3 working days.

Note * The consultant may require some important information, which is missing in your question. In such a case the consultant will revert back to you for more information and if required mention the time needeed to answer your query.

Note * : The query auto closes after the 3rd iteration