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Raksha Group - We Care to Earn Loyalty

Raksha Group has transformed a lot of lives over the past five years. The journey fro ‘Real estate marketing distribution firm’ to a complete financial services distribution has been a great step forward. The group offers a bundle of financial products that one must need before making the most serious investments.

People worry a great deal before investing their hard earned money in bigger projects. All the stress that one undergoes before making such decisions can give sleepless nights. Hence, Raksha Group has earned as a reputed financial services company in Zirakhpur.

Wealth and portfolio management, general and life insurance, real estate advisory and loan related requirements, helps people to relieve their share of burden.

The group believes in provided the right and unbiased kind of advise to its customers from all fronts. From working executives and qualified professionals to budding and established entrepreneurs, everyone who seeks consultation walks out with a satisfactory smile.

Raksha Group believes in mapping out a sound financial plan that requires an extensive research in order to earn the loyalty of each and every customer. They figure out all the possible fronts and questions that one might have out of sheer concern. By offering wealth management services in Zirakpur they help in achieving the financial goals for them.

They are backed up by a very strong team of banking and non banking financial companies that offers a wide range of options to its customers. Over the years they have been positively successful in fulfilling the dreams of their customers. Their mission to secure financial future have been successfully achieved and they continue to do the same.

Honesty, originality and enthusiasm has always been the wheels of motivation. They have build themselves on an extremely ethical foundation and they continue helping the customers in living a life they wished for.

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Advantages of Fixed Deposit Account

Fixed deposit is an account which is opened for a particular amount of time by depositing a sum of amount. It is also known as term deposit.  The term Fixed deposit means that the deposit is fixed and repayable only after a specific period of time.

At Raksha Group, Wealth Management Services in Mohali, we acknowledge that under this account, money is deposited for a fixed period for example six months, one year, five years or ten years. The money once deposited  in fixed account cannot be withdrawn before the expiry of period.

The rate of interest may vary depending upon the amount of money deposited and period.

• This is also one of the most opted investment as it is a regular source of investment.

Characteristics of Fixed Deposit Account:-

• It enables individuals to get a higher rate of interest on the money they have deposited. • The amount can be deposited only once. • The time period of fixed deposit range from 15 days to 10 years. • A higher rate of interest is paid to the customers. • The individual cannot withdraw their money before the maturity date. However incase of emergency,bank would close the fixed deposit account by 1% from the interest payable.

Investing on Fixed Deposit:-

• The rate of return is higher than other investments like Government bonds or treasury bills. • There is a complete flexibility in the tenure of the investment . • It is a liquid investment which means that one can break their fixed deposits either partially or completely.

Advantages Of Fixed Deposit:-

• It encourages savings. • The rate of interest is higher . • The amount incurred from FD post maturity can be used in buying assets. • It helps the banks to lend funds to SME. • It helps in the economic development of the country.

At Raksha Group we understand that money is hard earned and being the one of the best financial services company in Mohali, we want to help you at every step with all our financial services!

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Your Financials Can Ease Out Your Life

The Future of our lives is highly unpredictable. We truly feel the need to secure all kinds of uncertainties in order to protect our present. All sorts of unexpected incidents or accidents that have a huge probability of affecting our lives have to be controlled in a very organised way. Therefore, insurance policies cover all the unpredicted occurrences that can shake our lives in a huge way. Risk management is not just crucial but absolutely imperative when it comes to protecting our investment.

An Insurance company plays an important role to keep you afloat in the most drowning circumstances. It simply protects you from unforeseeable events.

Raksha Realtors provide wealth management services in Chandigarh and we believe in providing a sense of relief to all our customers ; by securing their investment. Apart from that, we are also into providing insurance and  our major insurance that fully covers all the possible fears, are; general insurance, life insurance and health insurance. These are the pillars that protects  customers in perilous times. A life insurance policy backs you up, upon the death of the insured person or if one suffers from terminal illness. This money is of great help, as it renders financial security when it’s needed the most. On the other hand, the health insurance policy covers expenses such as, free health check ups, cashless hospitalisation or a reimbursement for surgical expenses. We also offer general insurance that gives financial coverage, i.e. motor insurance, health insurance, travel insurance and home insurance.

On that account, all these risky situations have to be tactically calculated, so that we are mentally prepared beforehand and when any of these situations arise, we don’t find ourselves being restless. We’re rather at peace. As one of the financial services in Chandigarh, we assist our clients in managing their finances in the most optimal manner.

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Difference between Home Loans and Personal Loans

Although both these loans help you fulfil your long admired dreams, both differ in terms of nature. The former helps you to build a heaven for you and your family while the latter helps you fulfil your everyday desires. Being the best private wealth management, we believe that a man is nothing without dreams and our support helps you to live those dreams in reality. But, they are both loans, so what is the difference right? Well, there’s a massive difference between both- Purpose Home Loans are specifically introduced in order to ease your burden in terms of arranging funds for your dream house and is a home builder’s go to. These types of loans cannot be used for any other purposes but homes only, whereas personal loans are the type of loans introduced to help you meet your daily desires which can be used for any purpose. For example- you can use a personal loan to meet the expense of a royal vacation or medical expenses etc. ROI Keeping in mind, a home is a necessity and not a luxury, ROI of home loans is cheaper as compared to the ROI of personal loans. Current ROI’s- Home loans- range between 8-9%, depending on the branch.Personal loans- ranges between 10-11%, depending on the branch Requirement of a Collateral In the case of home loans, the collateral is demanded as security for the amount is usually huge whereas no collateral is required in case of personal loans. Time Period For the amount in the case of home loans is huge, hence more time is awarded for its fulfilment, making it easier for you, coming under long-term loan category. On the other hand, the amount involved in personal loans is less, hence can be recovered in a shorter duration coming under the short-term loan category. Although both help you fulfil your wishes, both functions differently in your favor.  We at Raksha Group aim to provide you the best Wealth Management Services, so that next time when you think of doing something, your wallet weight doesn’t stop you!

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Mistakes to Avoid Before Taking Personal Loan

There are times in the life of many people who for different circumstances need to apply for a best personal loan. However, in order to acquire this financial product, it is important to comply with a series of requirements, Raksha Group provides you with the best Wealth Management Services, and helps you in having a work contract or demonstrating sufficient financial solvency.

Below are a few traps to avoid before taking a Personal Loan:

Do not ask for more money than you need

Currently, the economic crisis has caused this trend to change, both on the part of banks and customers.  When you ask for a loan you will have to pay back the money that they have lent you, along with interest, commissions, etc., which will make the total amount to be owed considerably higher than the one lent to you. Therefore, when you ask for a loan, you adjust the amount you want to request and you will avoid paying more interest for it.

Return it as soon as Possible

When the entity with which you take a best personal loan, asks you how long you want to return it, try to make it as low as possible. You must consider your income and ensure that it is a fee that you can assume periodically. After that, make calculations and try to adjust the repayment term as much as you can because the longer you take to return it, the less security the bank will have and the higher the interest will be.

Do not delay in Payments

When you take personal loans online, it is very important that you pay the installments in the term you have set with the entity, without delaying a single day. If you meet the payment later than the contract contemplates, the entity may penalize you by applying interest for late payment, which is usually much higher than ordinary interest. Hence, before asking for a loan, make sure that you can face the payment of the loan and meet the payments within the deadline.

Compare Personal Loans

Undoubtedly, the best option to get the most suitable loan for each person is to compare the personal loan interest rates that are available in the market and offered by the different entities. In this way, you can choose the loan that suits you best and avoids paying more money than necessary for it.

Raksha Group, one of the best wealth management firms in Tricity, aims to help you at each and every step while taking a loan, be it personal or any other!

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A Premium Luxury Apartment Homes are In-Vogue Building your dream home in an urban setting is no more a sensible option today. Lifestyle scenario in Chandigarh has taken a different shape with a large number of people opting to live in apartment homes. Factors which have made people abandon thoughts of owning an independent house are, rising population, rising prices, emergence of industrialization & better security homes. Let us take a look at some of the advantages of a luxury apartment at Raksha Group - Prime Location We understand the value of time and the fact that residents of luxury apartments value their time in the highest regard. Hence, we are centrally located in the most connected and accessible of locations. Space A premium luxury apartment is characterized by its spaciousness and opulent levels of comfort and we do not skimp on this. A vast living room for entertaining friends, a well-organized modular kitchen for cooking your favorite meals and a spacious master bedroom for rest and relaxation are the hallmark of our premium luxury apartments. Safety & Security We strongly emphasis on Security and Safety providing you 24/7 monitoring and surveillance, combined with stringent checks on non-residents at all access points of the premises. Natural Surroundings Our Premium luxury apartments differentiate themselves from the competition by integrating natural surroundings. The building seamlessly fit into its surrounding area and being optimized for maximum natural lighting and fresh air. Located at the most cosmopolitan area of the city, Raksha apart from providing real estate services  also assist consumers about wealth management and health insurance and we are a pioneer of the wealth management  firm in Zirakpur.

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Better Save Than Never

Why do we save? We save so we are secure and have not much to stress about in the near future when it comes to finance. Our demands are increasing day by day and people are becoming needy. Who doesn’t want to live a luxurious life? Who doesn’t want to be carefree when it comes to spending? We being one of the best wealth management services in Zirakpur and Mohali has a better plan to secure our members. We want to help those who believe in us and want any investment guidance. Now the question is how? We believe that we can help with the investors to earn at a higher rate of interest on their surplus funds.  We would like to give a little insight on the fixed deposits, where people open an account for a particular time by depositing a certain amount which is known as a fixed deposit. The deposit is fixed and is repayable only after a certain period is over. The money cannot be withdrawn before the expiry date. The rate of interest for the deposited money may vary according to the time period and from bank to bank. In this way, you are encouraged to save for the future. We also provide loan facility and then on maturity of the amount, it can be used to purchase assets later. By this you are not just helping yourself but also help boost the economic development of the country.   As a financial caretaker, we foster to look forward for our clients and community we serve, as a best-in-class firm. We believe in delivering honest and the best advice to our clients. Raksha Group as a private wealth management in Zirakpur provides with optimal wealth and financial assistance to their clients so that they can optimize their monetary gains.

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Invest Wisely, Earn Highly

Why do you invest? Would you save your money or invest in it? Some people may think that saving and investing are the same things but in actual they’re not! Savings are what you save so you can spend later while investing is taking your savings and making money work for you. You can do so by investing in financial instruments or products like property, deposits, shares etc.

The investment will generate income for you in the future. Your investment will increase over time. If you invest in shares you’ll gain interest from bonds, if you invest in property that you lease out and get rent out of it. Allowing you to sell at a profit is what we are focusing on, which is known as capital gain.  There are a few factors as to why you should invest. Firstly, financial security! How this works out is if you’re facing a health crisis or there is a natural disaster, which destructs your house, having an investment you can financially secure to meet such unforeseen events.  Then comes financial independence, it enables you to be independent when you require money at old age. You don’t have to rely on anybody and live a carefree life.

Another factor, which comes into play, is wealth! This means by investing your savings over time and the proceeds (whether interest or dividends earned) they can be reinvested and continue building your wealth. Raksha group provides Real estate, loans, fixed deposits, insurance and wealth management. It’s a one-stop shop for all the reality, financial and loan related requirements. Be aware of a few things: Different platform choices have different risks. Be fully aware as to where you are investing and if you are unsure about it then you can take guidance from us. We will tell you which investment is going to be pocket-friendly.

A few tips on investment: Start investing now, with each day passing by you is losing the opportunity to build your wealth. By reinvesting the income, you increase your total investment, which earns you even more income the next time. Invest in a good interest rate or a company who is performing well and playing well. The higher the interest rate the more income you receive. Diversify your investment in different baskets. Minimize the risk of investment. If one goes into loss you can recover from the others. Our company provides wealth management services in Zirakpur and has a strong base of a dedicated and experienced team who share a good rapport and are always eager to serve you in the best possible way. We are dedicated to the development of a long-term relationship.

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Wealth Management as a service combines financial planning which also includes specialized financial services, estate planning, etc. At Raksha Group we understand that building wealth is synonymous to managing risks, and we make sure that the best of services are being provided to all our clienteles which makes us, one of the best wealth management firms in Chandigarh.

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Biggest Wealth Managers in the World

Wealth Management as a service combines financial planning which also includes specialized financial services, and personal retail banking services, estate planning, etc. A sought-after wealth manager is one who is able to take care of his/her wealth in a way that it even grows while at rest. At Raksha Group the best Wealth ManagementServices in Zirakpur, we promise you personalized and high returns on your wealth.   There’s a lot to engross from the top players in the game. Read about the biggest wealth managers in the world below; 

UBS

It manages the largest quantity of private wealth in the world and is the unquestionable giant in the sector with around half the sphere's billionaires reported to be patrons.

Bank of America Merrill Lynch

It is one of the most famous multinational banks under the aegis of Bank of America, providing you with the access to global research in terms of banking and wealth management. Morgan Stanley

Though it was created in the post-crisis merger with the wealth management arm of Citigroup, the wealth management arm comes in the top 3 firms globally. Credit Suisse

It is a leading financial services company which has over the highest pre-tax profits, accounting for 75%. Credit Suisse has diversified the Wealth management game for all the companies J.P. Morgan Private Bank

This banking giant is the second largest in the States and has a reputable wealth management arm, which has over half a trillion dollars for management. At Raksha Group we understand that building wealth is synonymous to managing risks, and we make sure that the best of services are being provided to all our clienteles which makes us, one of the best wealth management firms in Chandigarh.

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SIP – Secured Future Investment

Money saved and Invested is Money Earned. With the world changing at such a fast pace, one needs to be very sure or confident, where he/she is investing. Being the top Wealth Management Services, we aim to make all this investment and returns a hassle-free job. While choosing where to invest all your hard-earned money, when the market is fluctuating can prove perilous, this is when you can trust on SIP. Systematic Investment Planning or SIP is a mode of investing in mutual funds in a systematic and regular manner. The investment is similar to investing in a bank, but the only difference is that your money is deployed in a mutual fund scheme (equity schemes and/or debt schemes) and not in a bank deposit, and hence your investments (in mutual funds) are subject to market risk. SIP advises financial discipline to your life, and also it helps you to invest regularly without actually getting dirty in the market with market mood, indices, and dynamic government policies. One can actually select a particular amount to be invested and it will get auto-debited from your bank account and invested into a particular and a specific mutual fund scheme. Without any effort from your end, your money is invested regularly. Also, it has the power of compounding, which tells us that as early as we start investing, the more time your money has to grow. One can start investing in a mutual fund scheme via SIP with the minimum amount of Rs. 500. Also, you can customize the amount via SIP. Also, due to rupee-cost averaging and the power of compounding SIPs have the potential to deliver attractive returns over a long investment prospect.SIP’s have proved to be an ideal way to invest the money for retail investors who do not have the resources to pursue active investments. At Raksha Group - Wealth Management Firms, we aim to help all those who want to save, invest and earn.

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Systematic Investment Planning or SIP is a mode of investing in mutual funds in a methodical and regular manner. Being the best Wealth Management Services, our goal is to make investments and returns a squabble-free job.

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Making a Real Estate Investment

Investment in the property sector is one of the favourite and most trusted ways to save out of various other methods available to invest one’s wealth, as people think that it will increase their wealth and secure their future financially. But there is a misconception among the people that investing in real estate will always give rich returns, which is partially true. How effectively you manage your investment is the question that will determine the returns. We at Raksha Group, financial services company in Zirakpur, provide our customers with the best financial advice. Here are some tips for effective management. Right Property at Right Time We invest in real estate to increase our capital, which will only increase if you will make a good investment choice. Choose a property that is more likely to increase its value in the coming future. Buy it at a right price and at the right time. Research about the market before buying or investing. Once you gain a good knowledge of the market, you can acquire an asset even below its real market value, but this opportunity will not knock your door every time, you have to be patient and knowledgeable. The key is to do your research beforehand. Cash Flow is always the King While investing if you take loans, then consider living within your means, i.e. only take loans which you can easily repay, because if you are taking property for commercial use then cash flow is a must. While making investments you should be careful that such investment doesn’t lead you into any financial crisis. At Raksha Group, we aim to help you at each and every step, while making a real estate investment, as you invest in the best real estate properties in Zirakpur within your budget.

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Secure Your Family With Health Insurance

Life is full of uncertainties! You don’t know what will happen next as life is a crazy ride and nothing is guaranteed. Insurance is something that can play a vital role in your financial plans and bring you and your family a secure future. Health Insurance, also known as Mediclaim is necessary for a country like India where accidents are common. It is a type of insurance which help to cover the cost of medical expenses whether out of sickness or accidents.  Raksha Group noted as one of the best wealth management firms,  provide you with many kinds of health insurance which include: Individual Health plan –This plan consists of Automatic restoration of health cover, No cap on room rent and treatment cost, Hospital cash, Cover for over 400-day care procedures, Free health check-up, Up to 100% Increase in Sum Insured upon a claim-free renewal. Family Health Plan – This plan consists of Automatic restoration of health cover, auto cover for a new-born baby, expenses for organ transplantation covered, cover for over 400-day care procedures, health Checkup, up to 100% Increase in Sum Insured upon a claim-free renewal. Accident Care Individual Insurance Policy – This policy includes cover for Accident death, permanent disability and temporary disablement. Compensation for Permanent Total Disablement is 150% of the sum insured and enhanced weekly compensation up to Rs.15000/- per week (maximum 100 weeks). This policy also covers educational grant for dependent children and  cumulative bonus from 5% to maximum 50% per annum. Overseas Travel Insurance Policy – This policy includes emergency medical expenses, dental emergency expenses following an accident, cover for the loss of checked in baggage, personal accident cover, cover for legal liability for bodily injury or property. Senior Citizen Health Plan – This plan covers guaranteed renewals beyond the second year, covers pre-existing diseases from the 1st year and it doesn’t require any pre-insurance medical test. At Raksha Group, financial services company, we care for you as you care for your family.