Beyond Bonds
The rest of the portfolio.
Fixed deposits, pre-IPO equity, insurance, loans, and estate planning. The same disciplined approach we bring to bonds.
Bonds anchor a portfolio. They don’t complete it.
Financial life is more than bonds — a tax-saving instrument here, a liquidity buffer there, insurance against specific risks, and a plan for what happens to everything you’ve built. We bring the same disciplined approach to all of it, and the same refusal to quote returns as “guaranteed” when they aren’t.
A complete portfolio is five different instruments, each doing the job it’s actually good at — not the highest-yield one repeated five times.
Fixed Deposit · at a glance
- Tenure
- 7 days – 10 years
- Rates
- Vary by bank / NBFC
- DICGC
- Up to ₹5L / depositor / bank
Fixed Deposits
Term deposits with banks or NBFCs at a contracted rate. Returns are paid by the depositary and depend on its solvency.
Why choose FDs
- · Predictable returns over a known tenure
- · DICGC cover up to ₹5L for scheduled banks
- · Senior citizens: +0.25–0.50% (varies)
What to watch for
- · Highest headline rate ≠ best risk-adjusted choice
- · Premature exit: ~0.5–1.0% penalty
- · NBFC FDs aren’t DICGC-covered — check rating
How we help — we track rates across partner banks and NBFCs (they change weekly) and share information on structures that may fit your liquidity, tax bracket, and tolerance for issuer-specific credit risk.
Pre-IPO equity
Equity in private companies before they list. You acquire shares pre-IPO, potentially at a lower valuation than the eventual listing price — the appeal is possibility, not promise. Access to growth-stage businesses before public markets price them in.
Risks to understand
- High ticket sizes — typically ₹5 lakh to ₹25 lakh+ per opportunity (deal-specific).
- Long lock-in: 3–7 years is typical; commonly until 6–12 months after the company's IPO. If no IPO happens, no easy exit.
- Valuation risk — private-market valuations can differ materially from the eventual public-market price.
- Limited disclosure: private companies are governed by lighter disclosure norms than listed peers.
- Liquidity risk: shares cannot be sold like listed stocks. Secondary markets exist but with wide spreads.
- Regulatory and business risk: leadership, business, or regulatory changes can delay or cancel listing plans.
- Total loss of capital is possible. Suitable only for sophisticated investors with the capacity to absorb it.
How we help — we only bring opportunities from companies on which we have done meaningful diligence (founders, cap table, latest round, sector context, listing timeline). We do not push pre-IPO as a primary option and always discuss the risks first.
Insurance
We favour pure-protection structures and keep insurance separate from investment. Where the two get bundled, you typically pay more for less of both.
Life
Term plans pay a defined sum to dependents during the policy term. Cheaper than ULIPs / endowment for the same cover.
Health
Hospitalisation is the single largest unexpected family expense. A floater or individual policy is a baseline, not a luxury.
How we help — we assess dependents, existing conditions, and employer-cover continuity, then share information on plans from our IRDAI-registered partners. Insurance commissions are disclosed in writing.
Loans
Loans are tools, not goals. We help you tell which moves are worth borrowing for and structure the borrowing to survive realistic scenarios.
Home & education loans
Structured so the EMI is affordable across realistic income scenarios, and total interest is clear at the outset.
Loans against securities
Borrow against your existing MF / equity / bond portfolio for short-term liquidity without triggering capital-gains tax. Mind interest cost and margin maintenance.
Estate planning
A portfolio without a succession plan can become a multi-year legal headache at the worst possible time. Estate paperwork ensures wealth transfers without dispute, delay, or unnecessary tax leakage.
What we do
- · Nomination audit across investment accounts
- · Update bank / demat / MF nominations
- · Will-drafting referrals to legal partners
- · Walk you through HUF / trust structures
What we don’t do
We’re not lawyers. For Wills, codicils, family trusts, or any contested matter, we refer to qualified legal partners. We handle the financial-product documentation that complements the legal work.
Why work with us for these products
Two decades, multiple product types
Not just bonds. Saaransh has placed FDs at every kind of bank and NBFC, advised families on term-life and health cover, and structured pre-IPO opportunities for HNI clients across cycles.
Broader licensed access
Registered sub-broker of Prudent Corporate and referral partner for SMC Global and Kedia Capital, working with IRDAI-registered insurance partners. The product lineup is wider than any single-channel distributor.
Every product traces back to a goal
A specific goal you have told us about — “₹1 lakh per month in retirement”, “cover this mortgage liability if I am not around”. The product is the means, never the starting point.
Senior people on the call
For less-common products — pre-IPO, structured insurance, loans against securities — you really do want a senior person on the call. That is what you get. No script, no escalation queue.
Important notes
Tell us your portfolio gap. We’ll share what may fit.
Goal-first, transparent pricing, no product of the month.
No charge for the initial consultation. We’re paid by SMC Global or Prudent Corporate (or by IRDAI-registered insurance partners) based on the products you choose to transact through us. We disclose compensation in writing.