Securing Today, Growing Tommorrow...
Samriddhiz Finserv
At Samriddhiz Finserv, we are committed to helping individuals and families achieve their financial goals and become financially stable. We provide personalized and best Term and Health Insurance, and according to their financial goals, we provide the best investment solutions through Mutual Funds.
How can we help you?
We feel so happy to help you simplify your financial journey by offering professional and experienced guidance on Insurance and Mutual Fund investments at a one-stop solution.
Wealth Creation
Take advantage of market growth. We have selected top-rated Mutual Funds for you that can beat inflation in the long term and convert your small savings into big wealth.
Tax Optimization
Your hard-earned salary should not be wasted in taxes. We suggest you smart options like ELSS and Section 80D, where you will save tax and your money will also grow.
Health Insurance
Medical emergencies can wipeout your savings. We offer you comprehensive health plans that cover major hospital bills and treatments, so that your focus is on recovery, not expenses.
Goal-Based MF Investing
Be it your first home, a car or a foreign trip—we create a roadmap for every dream. We choose the right Mutual Fund Investments so that your goals are achieved on time.
Emergency Fund Planning
Life is unpredictable. We help you build a liquid fund that comes in handy in case of job loss or any sudden expense, without disturbing your long-term investments.
Income Replacement Cover
Your family's lifestyle should always remain secure. With Term Insurance, we ensure that even in your absence, your family remains financially independent and their dreams never stop.
Blogs
Stay updated with the latest insights, trends and expert tips straight to your screen. Check out our collection of articles designed to help you stay informed and informed.
Our Service Partners
We have a wide range of financial products from India’s leading insurance and asset management companies.
Customer Feedback
Frequently Asked Questions (FAQs)
I have office health insurance, is it necessary to take separate one?
Yes. Corporate cover is limited to the job only. You will be without cover during job changes or layoffs. A personal health policy gives you the benefit of lifelong security and “No Claim Bonus”.
In term insurance, you don't get the money on maturity, so how is it a profitable deal?
Term insurance is not for “investing” but for “protecting income”. It provides the highest cover at the lowest premium so that your family’s lifestyle is not disturbed in your absence.
Is term insurance of Rs 1 crore enough?
It depends on your lifestyle and responsibilities. Considering inflation, we suggest that the life cover should be at least 15-20 times your annual income.
How much risk is there in mutual funds?
There is market risk in this, but it is reduced by diversification (investing money in different places). In the long term (5-10 years), equity mutual funds have always given better returns than FDs.
Can I withdraw my money from the mutual fund at any time?
Yes. Except ELSS (Tax saving), you can withdraw money from the remaining funds at any time. Your money gets credited to your bank account within 1-2 working days.
Are mutual funds better or direct stocks? I
If you cannot devote time to market research every day, then Mutual Funds are better. Here expert fund managers manage your money, which is less risky than stocks.
If I miss a SIP payment in a particular month due to some problem, will my SIP account be closed?
No. There is no penalty and the account is not closed. You can restart whenever you want or invest the remaining amount later.
Direct vs. Distributor: Which is better?
If you do not have time for market research and portfolio rebalancing, it is better to invest through a distributor. A distributor provides you with emotional support in right fund selection, tax planning, and during market crashes, which proves to be more profitable than “direct” investing for long-term wealth creation.
Why are PPF or FD alone not sufficient for retirement?
No, because PPF/FD returns (6-7%) barely touch inflation. For a long life (25-30 years) after retirement, you need returns that are 4-5% above inflation, which only Equity Mutual Funds can provide.
I want to retire at an early age, is that possible?
Exactly, this is called FIRE (Financial Independence, Retire Early). For this, you need to accumulate a corpus (money) that is 25-30 times your current lifestyle expenses. We create an aggressive ‘Step-up SIP’ strategy for you that will grow your wealth faster as your salary grows.
Would you like to start your Financial joureny with us ?
we are ready to turn your financial aspirations into a concrete reality. Let’s partner today to build a legacy of wealth and security for your family