VNM Capital Borivali West, Mumbai, Maharashtra

Our Working Capital Finance Service is designed to help businesses manage day-to-day operational expenses and maintain liquidity. Whether you need funds for inventory, payroll, or other short-term needs, we provide flexible financing solutions with quick approval and minimal documentation. With competitive interest rates and tailored repayment options, we ensure your business remains financially stable and operationally efficient. Our expert team helps you navigate cash flow challenges, offering the right financing to support growth and maintain smooth operations. Trust us to provide reliable working capital solutions that empower your business to thrive and meet immediate financial needs without disruption.

Wealth is an abundance of variable material resources. The meaning of wealth is not straightforward. Wealth is basically a person’s net worth. Wealth can be explained as assets minus liabilities. Handling wealth properly is a discipline that incorporates investment portfolio management and a number of other financial services. It is a professional service that encompasses all parts of a person’s financial life.  Investors must have already accumulated a proper amount of wealth for wealth management strategies to be efficient and effective. This service is designed to focus on high-net worth customers. We use our experience in reviewing investment portfolio, estate planning, risk management practices to manage the holdings of high-net-worth client. This is an integrated process for helping clients manage their wealth. It involves huge and wide range of services that depend upon each investor but the condition is that services should include investment management, financial goal attainment strategies, retirement portfolio, estate planning, tax optimization, debt management and cash flow. Features and benefits: ·  Allows customer to review risk profiles and overall investment portfolio. ·  Track holdings against model portfolios for returns. ·  Tax optimization strategies and estate planning services are also provided. ·  Specific products from PMS and AIF space are picked and chosen. ·  Provides dynamic research across products and asset classes. ·  State-of-the-art technology platforms are made available to you.

Our Unsecured Business Loan Service offers fast and flexible financial solutions without requiring any collateral. Ideal for businesses seeking quick capital for expansion, working capital, or operational needs, we provide competitive interest rates and easy eligibility criteria. With a simple application process, minimal documentation, and quick approval, you can access funds when needed most. Our tailored repayment plans ensure your loan fits your business’s cash flow. Whether you're a startup or an established enterprise, our unsecured business loan helps you seize growth opportunities without the burden of securing assets. Trust us to fuel your business’s success with ease and reliability.

Tax planning  involves optimizing your wealth creation and protecting your health, life and assets while aligning all these with existing provisions in our tax laws . This should also consider all your sources of income. Tax planning should never be done in isolation. Tax saving just for the sake of utilizing an available section often leads to bad financial decisions. Tax planning should always get linked to overall financial planning paradigm of yours. There is a subtle difference between paying minimum possible tax  and saving maximum possible tax. We always prioritize the former. We make it a top priority to first calculate your tax liability and then look for ways to save tax while achieving various financial goals. Businesses and individuals pay the lowest amount of taxes allowable by law because we continually look for ways to minimize your taxes throughout the year  and not just at the end of the year. With the growing complexity and diversity of available options for tax planning purposes, it is important that we critically examine and bring across to you all the options available in the present investment market to optimize post tax return  and choose the most suitable for you so that you live a stress-free life. Some common tax saving options available for individuals can be exercised while planning the below mentioned activities: ·  Creation of long-term wealth ·  Taking life insurance cover ·  Opting for health insurance cover and health check-up ·  Availing home loan for buying property ·  Getting higher education financed for self/children through education loan ·  Donating for a charitable cause

Tax planning  involves optimizing your wealth creation and protecting your health, life and assets while aligning all these with existing provisions in our tax laws . This should also consider all your sources of income. Tax planning should never be done in isolation. Tax saving just for the sake of utilizing an available section often leads to bad financial decisions. Tax planning should always get linked to overall financial planning paradigm of yours. There is a subtle difference between paying minimum possible tax  and saving maximum possible tax. We always prioritize the former. We make it a top priority to first calculate your tax liability and then look for ways to save tax while achieving various financial goals. Businesses and individuals pay the lowest amount of taxes allowable by law because we continually look for ways to minimize your taxes throughout the year  and not just at the end of the year. With the growing complexity and diversity of available options for tax planning purposes, it is important that we critically examine and bring across to you all the options available in the present investment market to optimize post tax return  and choose the most suitable for you so that you live a stress-free life. Some common tax saving options available for individuals can be exercised while planning the below mentioned activities: ·  Creation of long-term wealth ·  Taking life insurance cover ·  Opting for health insurance cover and health check-up ·  Availing home loan for buying property ·  Getting higher education financed for self/children through education loan ·  Donating for a charitable cause

Making holistic investment choice  is always preferred than making random investments. This can be achieved if every investment made is linked to a certain purpose. There are life’s goals which are critical to achieve. That includes – retirement fund accumulation, child’s higher education and marriage etc. Choice of products also depend a lot on the linked goal. The key to accumulate retirement fund in time  is to start at earliest. It is not necessary to start with a bang. You can start with small amounts and increase it as your salary/income increases. Also, if you start early and you have time with you, you can gain advantage of high returns and maximize your investments by investing in equities or equity mutual funds.   Child’s future goals  changes in form and size every now and then. Hence it should be tackled by taking help from experts as and when needed. Making assumption about future cost of education involves considering inflation rate of education  cost as realistic as possible. Higher studies within India or abroad costs differently based on stream of education and choice of institutes. Funding the cost of marriage  of your children also requires prudent steps to be taken at the earliest. As such critical goals come close, the asset allocation should also change accordingly. 

Our SME Loan Service is designed to support small and medium-sized enterprises in achieving their business goals. Whether you're expanding operations, purchasing equipment, or managing cash flow, we offer flexible loan options with competitive interest rates and quick approvals. With minimal documentation and tailored repayment terms, our service ensures a smooth borrowing experience. We understand the unique challenges faced by SMEs and provide personalized financial solutions to help you grow and succeed. Trust us to be your partner in driving business growth, enhancing operational efficiency, and overcoming financial hurdles with ease and reliability. Empower your business with our SME Loan Service today!

What is a smallcase? A smallcase is a basket of exchange traded securities (like stocks & ETFs) to reflect a certain objective (ideas, themes, strategies). A smallcase has a minimum of 2 securities and a maximum of 50 securities. How is it different from stocks? Investing in a basket of stocks gives you diversification benefits that minimize stock-specific risk. Instead of picking stocks, you can invest in ideas you believe in with research-backed portfolios that are tied to relatable themes. No fees are charged for smallcase transactions. Standard brokerage applicable as per your broker. Which smallcase should you invest in? smallcases work best when used for long-term investing. So ideally, you should be investing in a smallcase whose theme/strategy you think will do well in long run. Additionally, you can use risk labels assigned to smallcases to find one that suits your risk appetite. How do you track your smallcases? When you invest in a smallcase, the index value is set to 100 on the day of investment - this helps you track the total returns without having to monitor each stock. You can also use the performance metrics to get a more detailed understanding of your smallcase. Can you add or remove stocks yourself? With smallcases, you have complete flexiblity over your investments, so you can add or remove stocks anytime with the 'manage' option. However, please ensure that you don't sell any smallcase stocks directly on the trading platform. Are there any lock in periods? There are no lock-in periods, so you may sell your smallcases anytime. As a concept however, smallcases work best when used for long-term investing. Do's and Don'ts Start an SIP to invest periodically Once you have invested in a smallcase, you can safeguard your investments from market volatility by starting SIP to invest more regularly. When your SIP instalment is due, you can confirm investing more in 2 clicks. Rebalance your smallcases regularly Rebalancing is the process of ensuring the constituents of the smallcase continue to be true to the underlying idea/strategy. You can apply rebalance updates to your smallcase in 2 clicks to ensure it is on track with the strategy. Do not sell stocks on broker platform To ensure that your smallcase constituents are in sync with your holdings, please refrain from selling smallcase stocks on the trading platform. Any sell orders placed directly on the trading platform won't reflect in your smallcase. Don't let emotion drive investment decisions You can assess how the theme that you have invested in is playing out and reap its benefits only when you stay invested for a long term. It's best to not base investment decisions on short-term fluctuations.

  Our Retail Loan Service is designed to meet diverse financial needs with ease and flexibility. Whether you're planning a purchase, managing personal expenses, or fulfilling lifestyle goals, we offer tailored loan solutions at competitive interest rates. With a quick approval process, minimal documentation, and customizable repayment options, we ensure a hassle-free experience. Our service includes loans for vehicles, homes, education, personal needs, and more, all backed by transparent terms and dedicated support. Empower your dreams with convenient access to funds and a trusted partner by your side. Simplify your financial journey with our reliable Retail Loan Service today!

Our Project Finance Service provides tailored financial solutions to support large-scale projects across various industries. From infrastructure and energy to manufacturing and real estate, we assist in structuring and securing the necessary funds for project development. Offering competitive rates, long-term financing options, and flexible repayment plans, we ensure your project’s financial stability and growth potential. Our expert team evaluates project viability, mitigates risks, and facilitates seamless execution with end-to-end support. With transparent terms and a client-centric approach, we empower businesses to achieve their strategic objectives. Trust us to be your reliable partner in bringing ambitious projects to life.

PMS is a tailor-made professional service offered to cater the investment objective of different investor classes. The clients can be Individuals or Institutional entities with high net worth. In simple words, a PMS provides professional management of investments to create wealth. PMS offers various customized portfolios depending on investors risk appetite and returns expectation. In such discretionary portfolios, fund manager takes investment decision on behalf of the investor. Features of PMS ·   Professional Management : PMS provides professional management of portfolios with the objective of delivering consistent long-term performance while controlling risk. ·  Risk Control :  Well defined investment philosophy & strategy acts as a guiding principle in defining the investment universe. Further, professional management ensures disciplined portfolio construction, monitoring and the risk management processes. ·  Transparency :  Most of the PMS houses provide account statements and performance reports on a monthly basis along with web access to track all information relating to investments made ensuring enhanced transparency. ·  Personalized Approach :  In PMS, investor gain direct personalized access to the professional money managers who actively manage their portfolios. This interaction may come in various different ways including in-person meetings, conference calls, written commentary, etc with the fund management team. Benefits of PMS ·  Stock selection is based on high level of investment expertise and research. ·  PMS normally has a concentrated portfolio of 15-20 stocks. ·  A concentrated portfolio increases the potential of higher returns. ·  Clients receive regular reporting and personal service ·  PMS are transparent in terms of expenses they charge

Our Personal Loan Service offers a quick and hassle-free way to meet your financial needs, whether for travel, medical emergencies, education, or other personal expenses. With competitive interest rates, flexible repayment options, and minimal documentation, we ensure a seamless borrowing experience. Our loans are tailored to suit your individual requirements, providing instant approvals and fast disbursals to help you access funds when you need them most. Backed by transparent terms and exceptional customer support, we make borrowing stress-free and convenient. Trust us to provide a financial solution that empowers you to achieve your goals without compromise.

A Personal Accident Insurance policy covers you against death, permanent disability, permanent partial disability, and temporary total disability. For death and permanent disability – its pays you the total sum insured and for temporary disability it pays you a weekly compensation of around 1% of Sum Insured per week, for 52 weeks (may differ from policy to policy).

 A mutual fund is a type of investment vehicle consisting of a portfolio of stocks, bonds or other asset classes. Mutual funds give small or individual investors access to diversified, professionally managed portfolios at a low price. Mutual funds are divided into several kinds of categories, representing the kinds of securities they invest in, their investment objectives, and the type of returns they seek. Facts that you must know before investing in mutual fund: 1.  Mutual Fund is not necessarily all about equity or stocks.  Mutual funds also deal into debt instruments like Certificate of Deposits (CDs), Bonds, Govt. Securities (G-Sec.), Non-convertible Debentures (NCDs) etc. This means that a mutual fund scheme can also have all or some of these debt instruments in its portfolio. MF schemes that are having debt papers of very small duration are least risky. Similarly, carefully chosen debt MF schemes can be as safe as fixed deposits along with better tax-adjusted return. Contact MF Distributor and start investing in equity, debt, hybrid or multi asset allocation schemes as per your need and investment horizon. 2.  Starting your investment in Mutual Fund is easy.  All you need is to be KYC compliant and have an active bank account. That’s it. At FundzBazar (check the login section of this site to register or sign-in to trade instantly in mutual fund schemes) you can even invest completely online and instantly that too without having any demat a/c!. 3.  Investment in Mutual Fund can be made in lump sum or systematically.   a.  Through Systematic Investment Plans ( SIP ) you can invest a fixed amount at regular intervals for any number of years. This way your investments will reap the benefit of rupee cost averaging i.e. buying more units when price is low and buying lesser units when price is high. b.  If you need regular withdrawals from your Mutual Fund investment, then Systematic Withdrawal Plan ( SWP ) is the best option. Here a fixed amount (set by you) will be automatically withdrawn for preset number of years. Depending on the fund available and withdrawal amount, this will continue. c.  If you are concerned about short term volatility while making a lump sum investment, then go for Systematic Transfer Plan ( STP ). Here, the lump sum money will be first invested in a liquid scheme (low risk debt fund) and then from there, a fixed amount will be transferred to a chosen equity scheme of the same fund house. This way, exposure in equity scheme will be made on a staggered basis and hence risk is minimized in case of volatile market movements.   4.  How are your Mutual Fund investments taxed?  If in portfolio of a MF scheme, percentage of exposure into equity type of instruments is more than or equal to 65%, then such schemes are known as equity schemes, otherwise those would be considered as debt schemes for taxation purpose. Equity schemes and debt schemes are taxed differently. Taxing also depends on how long you hold the investment before you sell. If gain from equity scheme is booked before 1 year is completed then such gain would be taxed at flat 15% rate. If equity schemes are sold after holding for more than a year – then 10% tax is to be paid on gain made over and above Rs. 1 lakh. If debt schemes are held for more than three years then 20% tax is to be paid on indexed (i.e. inflation adjusted) capital gain. If investments in debt schemes are held for shorter-term then tax is to be paid on booked gain amount as per one’s tax slab.

  Our Loan Against Property (LAP) Service helps you unlock the value of your property to meet your financial needs. Offering attractive interest rates, flexible repayment terms, and high loan-to-value ratios, this service is ideal for business expansion, education, medical emergencies, or any personal goals. With a simple documentation process and quick approvals, we make securing funds against your residential or commercial property hassle-free. Our transparent policies and dedicated support ensure peace of mind throughout the loan tenure. Leverage your property’s potential without losing ownership and achieve your financial aspirations effortlessly with our trusted Loan Against Property Service.

Life is unpredictable. So, it is important to ensure that your family and loved ones are taken care of financially in case something happens to you. This is where life insurance comes in. It can provide some financial peace of mind if the worst were to happen. Life insurance offers a way to replace the loss of income that occurs when someone dies. Life insurance is insurance for you and your family’s peace of mind. With a life insurance policy in place, you can: ·  Provide security to your family. ·  Protect your home mortgage, loans, credit card borrowings etc. ·  Provide finance to your loved ones to achieve their goals in your absence. ·  Ensure that your family is able to maintain their lifestyle, no matter what happens. ·  Take care of your estate planning needs. ·  Look at other retirement saving/investment vehicles.

Our Lease Rental Discounting (LRD) Service unlocks the potential of your leased property by converting future rental income into upfront funds. Ideal for property owners with long-term rental agreements, this service provides quick access to capital at competitive interest rates. With transparent terms, minimal documentation, and flexible repayment options, we ensure a hassle-free experience. Whether for business expansion, debt consolidation, or personal needs, our LRD solutions cater to diverse financial goals. Backed by expert guidance and efficient processing, we help you leverage your property’s earning potential while maintaining ownership. Empower your financial plans with our reliable Lease Rental Discounting Service.

Whenever you think of making investment, three things should come on top of your mind – Risk Profiling, Products and Asset Allocation. Along with these – cash-flow situations, investments already made, net-worth and  are equally important to consider before deciding where should your hard-earned money get invested into. RISK PROFILING –  Knowing ourselves well is more important than choosing products first. Risk Profiling helps in doing that. By carefully answering a well-researched set of questionnaires, your risk appetite can be known. This may not remain constant forever with changing dynamics of micro and macro-economic factors. Hence, it is important to go back and re-assess after regular interval. PRODUCTS –  There are many investment products available in the market. The first check should always be that the product must be regulated by a govt. appointed regulatory body. Next, you must consider the suitability. All products are good in their own context and with a certain section of investors. Whether the same suits you or not, depends on your risk profile, investment horizon, liquidity needs and taxation aspect. Also, there are certain products which cater only to a particular section of society, e.g. resident individuals, senior citizens, girl child etc. ASSET ALLOCATION – We should not put all eggs in one basket i.e. not all our money in one single investment product or category. Distributing our investments into poorly correlated asset classes often saves us from big losses and is expected to generate a steady return. Asset allocation must be re-aligned or re-allocated at regular intervals. There are investment products available which aim to inculcate this very principle of asset allocation in the way they are managed. Otherwise, custom asset allocation can always be done.

Insurance is an important risk management tool that can protect you and your family from financial hardship caused by unfortunate events . We work with you to identify your risks and implement a cost-effective risk management program that has been developed with your specific circumstances and requirements in mind. Our insurance recommendations include Insurance For ·  Life Insurance ·  Health Insurance ·  Personal Accident Insurance ·  Critical Illness Cover ·  Travel Insurance ·  Motor Insurance If you have existing insurance policies, it is important to realize that both over-insuring and under-insuring can be costly. We will review all your existing policies and ensure that you are appropriately and adequately Insured . The loss of earnings and dent in wealth basket can be experienced with the death, disability, critical illness or long period of hospitalization and its clear impact is seen on the financial well-being. Planning for covering all such possible risks through insurance  always turns out to be fruitful as well as satisfactory to policyholder. Instead of considering insurance planning as an absolute tool towards the overall financial planning, we often misunderstand it by calling an investment. Already where our daily lives remain unpredictable with uncertainties including an absolute loss of income, critical illness or even with disability, why not look forward for the attainment of absolute peace of mind  through an effective insurance planning technique.

Our Home Loan Service turns your dream of owning a home into reality with ease and affordability. Offering competitive interest rates, flexible repayment options, and quick approvals, we cater to diverse financial needs. Whether you're buying a new home, constructing one, or renovating your existing property, our tailored loan solutions ensure minimal hassle. Enjoy benefits like simple documentation, personalized guidance, and transparent terms, making the entire process smooth and stress-free. Our expert team is dedicated to supporting you every step of the way, helping you secure the ideal loan for your perfect home. Start your journey to homeownership today!

Health insurance is the insurance which protects us from any health emergencies and incurred hospitalization expenses. In this busy and hectic life everybody should have a health insurance policy which can be very useful in time of emergencies. Health insurance, also known as medi-claim policy, allows you to claim cashless hospitalization or reimbursement up to the sum insured limit. Why Mediclaim policy is needed? ·  Every human suffers from some illness or injury in lifetime. ·  Emergencies or illness can come anytime without giving any warning. ·  Doctor’s fees, diagnostic charges as well as the medicines value are too expensive. Health is wealth.

About Fixed Deposit · Fixed Deposit is one of the most preferred investment options among conservative investor who need fixed and regular income. ·  Fixed Deposit also popularly known as Term Deposit is an investment option wherein interest rate is fixed for a predefined term. ·  Deposits placed by an investor with companies are known as Company Fixed Deposit. These deposits are accepted by manufacturing companies, financial institutions and non-banking finance companies. Deposits mobilized by these companies are governed by the Companies Act u/s 58A.  Basic Info About Fixed Deposit ·  The tenure of company FDs can range from a few months to a few years. ·  You can choose from monthly, quarterly, half-yearly, yearly or cumulative interest payment option. ·  The interest income rate earned on FD is added to your income and is taxed as per your income tax slab. ·  In cases where the annual interest income exceeds Rs 5,000; TDS will be deducted by the company.   ·  If you do not want the TDS to be deducted, you need to submit form15G/H with the company. ·  Click here to download Form 15G OR Form 15H  How does Fixed Deposit work? ·  100% online process. Quickest way to book an FD in 3 simple steps ·  Choose the company & tenure to invest in FD ·  Select the client to invest in Primary or Joint names ·  Enter the amount to invest and make payment ·  Maturity amount will be credited to the bank account registered with FundzBazar

There were many public issues where we have seen successful listings of RBL Bank, Avenue Supermarts, Ujjivan Finance and many more. Most of these shares were actively traded in the unlisted space where investors saw significant gains when the stock got listed. Purchasing unlisted equity through secondary market is relatively easier way for retail investors to get exposure to a privately held company. This has emerged as a new investment option for the investor. Benefits Novel Investment option aiding in diversification of overall portfolio. Entry to new age businesses at an early stage providing scope of immense growth. Availability in smaller ticket sizes allows portfolio creation of unlisted securities. Limited correlation with listed market space leads to stable prices in short term. Exposure to vast unlisted small and medium enterprises. Key Risks Price/Valuation Discovery of shares’ in unlisted space can be difficult; unlike listed space. Stock Liquidity is mainly dependent on demand and supply. If there is a poor demand for any unlisted stock, then it may lengthen investment cycle in case of non-listing of the scrip. Transaction and Trading price are outside the purview of Regulatory Authority. One-year Lock-in a􀈅er stock listing; exposes investor to volatility post listing. Early-stage companies could pose higher risk for a business model failure.

Our Corporate Debt Syndication and Restructuring Service provides comprehensive financial solutions to optimize your business's capital structure. We specialize in arranging syndicated loans from multiple lenders, offering flexible terms and competitive rates to meet large-scale funding needs. Our restructuring services help revitalize your financial stability by renegotiating debt terms, reducing costs, and improving cash flow. With a focus on strategic planning, we ensure a seamless process, from assessing your requirements to executing tailored solutions. Backed by industry expertise and strong lender networks, we enable businesses to manage debt effectively, achieve growth, and navigate financial challenges with confidence.