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Financial Planning

Financial planning is the process of meeting financial goals of your life through the proper management of your finances. Life goals can include buying a home, saving for your child's education or planning for retirement.

The financial planning process consists of six steps that help you take a "big picture" look at where you are financially. With the help of “Financial Plan” you can work out where you are now, what you may need in the future and what you should do for achieving your future goals.

The process involves gathering relevant financial information, setting life goals, examining your current financial status and coming up with a strategy or plan for how you can meet your goals given your current situation and future plans.

Estate Planning

During life time, value of material possessions or resources is called “Wealth” and after he/she passes away it is called “Estate”.

Estate planning is the process of disposing of an estate. Estate planning typically attempts to eliminate uncertainties over the administration of a probate and maximize the value of the estate by reducing taxes and other expenses.

Investment & Portfolio Advisory:

We review your existing portfolio of investment and will guide you on what should be right asset allocation for you, depending upon your current earning potential, risk appetite and financial goals.

Portfolio Re-balancing

We provide portfolio re-balancing at the end of each year or at agreed period. Portfolio re-balancing primarily includes maintaining right mix of equity & debt. It may also be required when you are reaching towards the completion of your financial goal. Often portfolio re-balancing is ignored and it results in poorer returns on overall portfolio. We also analyse the mutual fund performances as compared to peer schemes and if the performance is below average, then it may become inevitable to switch to other scheme.

Step-up Approach

We have successfully implemented step up approach of investing for our clients. Your income always increases with the passage of time. Therefore it is very necessary to increase your savings at least at the same pace. Our financial experts will help you understanding its magic and you will be surprised to note that you can become multi millionaire even if you start with smaller amount and step up over a longer period of time.

Mutual Funds

We are holding direct distributorship of all the leading mutual fund houses operating in India & deals in all type of mutual funds. Mutual funds are of many types such as Equity Diversified, Hybrid funds, Debt funds, Liquid funds, Monthly Income Plans (MIP), Income Funds, GILT funds, Fixed maturity plans (FMPs), Equity linked saving plans (Tax Savers) & Sector Specific funds.

Alternative to Bank Fixed Deposit

We have experienced that there are many alternatives available in mutual fund industry in place of Bank Fixed Deposit. These provide the liquidity, security of capital as well as better returns. Still we believe that Bank fixed deposit is also an essential component of overall portfolio.

Insurance Planning

Life Insurance

We advise our client basis financial dependency of their family on them, how much insurance they need. We believe that Term Insurance without return of premium is simplest as well as cheapest form of Life Insurance. We also suggest the best available products in the industry.

Health Insurance

Our experience reveals that individuals without proper health insurance carry higher risk of loosing their wealth. We believe that every individual should protect himself & his family with basic level of Health Insurance. In India, Health insurance is growing and insurance companies are introducing many structured products. Again, some of the insurance products are complicated and difficult to understand. We again look at your lifestyle and suggest you the best possible combination of products like Mediclaim, Critical illness & disability cover etc.

General Insurance

We help our clients in getting the best Motor Insurance, Travel Insurance, Home Insurance, Professional Indemnity Insurance, Personnel Accident Insurance products as per their needs.

Tax Planning & Income Tax Return

We help our clients in understanding the Income Tax implications on their earnings. We design the client portfolio in such a manner that maximum tax benefits can be availed. Similarly, we also study and help our clients in understanding the tax implications in the changing tax law environment such as new Direct Tax Code will be applicable from 01/04/2012. We also assist in filing income tax returns.


We will help you in getting the best offer for Home Loans, Car Loans & personnel loans at the cheapest rate of interest.

Real State

Get the best property deals in DELHI/NCR.


I have had never invested money in equity. However, I have been advised to start investing money in equities by Mutual Fund SIP. Now I know, how to take advantage from the equity as an asset class. Thanks for the great advice.

Rahul Saxena – MBA Marketing- IIM

“Thanks for the great service. I didn’t know anything about investing until I called Fcafe.You made it seem easy.”

Gaurav Mahtur- Head -IT

“I have been dealing with Financial Cafe for the last 3 years and I can vouch for professionalism and honesty in all their dealings. I have never had the need to look for another establishment for any of my financial requirements”

Dr. Rajeev Garg

“I used to lie awake nights worrying about how I was going to put two kids through MBA. Now I sleep like a baby. Thank you Financial Cafe”

Renu – Homemaker

I congratulate for good work and wish them best of luck for future.

Jasvinder Singh- Head- India & South-east Asia

Though my comfort in handling technicalities involved in financial domain has always been my forte in the past, Financial Café has helped me develop new insight about the financial planning. Indeed, Financial Café is perfectly suited for all individuals, who seriously believe in shaping the future.

Manoj Verma- Vice president- Sales

The simplicity & clarity in the approach adopted by financial café is remarkable. Their step-up approach is very pragmatic and easy to implement. I found portfolio rebalancing generating better returns as you put more money in equity when share market are lower level and withdraw money when markets are at their peak.

CA. Sachin Gupta

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