Financial Functions of MS-Excel

 MS-Excel Financial Functions

We at I For Investment Financial Consultancy put our best for the investors education and clients ease in understanding investment easily. We are going to begin with the Financial Functions by Microsoft Excel, there are some complex functions in Microsoft Excel we will try to cover the important ones. 

let us begin with the Financial Formulas of Microsoft Excel, Today we are going to explore our First Formula of FV (Future value of our onetime investment or series of Investments) To perform this formula we should know these concepts as mentioned beloww

1] PV:- Means Present Value

2] Rate:- Means Rate of Interest on the investment

3] NPER;- Number of Years of being invested means a duration of Investment

4] PMT:- Series of a regular payment, this may be monthly, quarterly, semi annually or yearly

Let us assume that Mr. A wants to invest Rs. 100 in a Fixed Deposit where he will be paying only once and Bank has promised him to pay 8% p.a. as an interest. He wants to keep this investment for 3 years and want to know how much will be the value of his investment of Rs. 100.

To understand this let us use Microsoft Excel or Google Spreadsheet where we can calculate it for the answer. To explore this function we can click on "Formulas" Tab of Microsoft Excel, then We have to click on Financial , then FV, then a box for formula's value will appear there which will contain spaces to put Rate, Nper, Pmt, pv, type, in the first space we will type 8% as this is the interest rate committed by bank, here we will have to ensure that we don't forget to type a symbol of %. After that in the space of Nper we will type 3 as we will keep this investment for 3 years, we will not type anything in pmt as we are not going to make a regular series of payment and our investment is only onetime investment of Rs. 100, then in the space of pv, we will type -100, we will use a symbol of "-" because this payment is going from our pocket, after than in the space of Type we will type 1 and it will reflect the answer as Rs. 125.97 as the returns on my onetime investment of Rs. 100. The holding period of this investment is 3 years here in this example.

If we have to perform this formula manually in excel then We have to type =FV(B2, B3,,-B1,1)

Please refer to the image attached with, here B2 indicates Rate of Interest, B3 indicates the duration, we have added comma twice because here we are referring onetime investment and not the series of regular payment, if this payment would have been regular then we had to type it in pmt, however this was the example of onetime payment and we had not put anything there with reference to payment, then we had to add a symbol of - with B1 because this payment goes from the pocket of investor, if we do not add the symbol of - then the answer will show in negative returns, therefore we have to ensure that we add minus symbol with the onetime investment or regular pmt, then we added 1 because we are getting the interest calculation at the beginning of the period. please refer to the attached screenshots to perform this formula and function in MS-Excel or Google Sheets.

Now, let us understand the same function considering that the payment is not onetime investment but in a regular installments such as yearly, half-yearly, quarterly, monthly. here we will use the same function with certain changes, let us see it with the example, Mr. A has decided that he will invest Rs. 100 every year for 5 consecutive years, let us understand what will be the value of his investment if he gets 10% annual returns on his investment. To perform this function in Microsoft Excel, we will click on "Formulas" tab, then "Financial", and then "FV". It will prompt another window where we can put the formula details or the cell details, In this example the payment is yearly, therefore we will add it in the space of PMT and the payment is going from the pocket of customer, hence we will add a symbol of minus so that the answer comes with a positive value. In the previous example we put the investment value in the space of PV, and in this example the payment is yearly and not onetime, thus we will add that investment value in PMT as these are series of payment . You may refer to the screenshots given below which can help us to perform this function.

Now let us consider that his payment is monthly then in the space of PMT we will add either -1200 or -100*12, here we are multiplying the PMT into 12 because there is a monthly payment it means in a year there will be 12 installments of Rs. 100, refer the below mentioned screenshots for the details. if this payment would have been quarterly then in the space of PMT we would have typed either -400 or -100*4, similarly if this payment of Rs.100 would have been half yearly then we would have mentioned it as either -200 or -100*2. Here we have to type PMT figure as per the mode of payment and ensure that we don't forget to add symbol of minus (-) before the PMT amount.

Let us make this example as more interesting, Let's assume that Mr. A wants pay these installments for 5 years with yearly mode of payment and wants to withdraw his amount after 7 years. Let us calculate the maturity amount with the same example. Here we will have to perform 2 calculations as the payment is there for limited period which is popularly known as Limited Premium Payment (LPP), First we will calculate the value of investment of Rs. 100 per year for the investment duration of 5 years then we will get the future value of that investment, in the another formula that FV will be a present value and we will calculate its future value after 2 years, let us refer to screenshots given below.

In this example Mr. A will invest Rs. 100 per year for next five years and he will get Rs. 813 after 7 years, This concept of investment is called as investment by Limited Premium Payment, generally it gets used in Unit Linked Insurance Products (ULIPs) of Insurance companies.

You may change the figures and check the various answers, Please do not hesitate to call us if you come across any query. Wish you a happy learning from I For Investment Financial Consultancy, stay tuned for another exciting formulas soon. Cheers to the beautiful life.

11

1 share

Like

Comment

Share

National Pension Scheme (NPS)

 Hello Friends,

Today we are going to explore National Pension Scheme (NPS) details.

As the name suggests, this option of investment has been designed to tackle the needs after retirement of an individual. It has been started in 2004 for the Government Employees and allowed for others in 2009. A person who wants to opt this investment of NPS has to contribute some amount while he or she is earning and later on some allowed amount can be withdrawn at the time of retirement. This amount will be called as "Corpus" which includes the contribution made by the investor and growth on that investment. At the time retirement some part of this corpus can be withdrawn and remaining amount will be used to buy an "Annuity" which provides periodically income of pension. 

The objective of NPS is to provide the old age income which can help the individual to tackle the financial requirements after retirement. The functions of NPS are being regulated by Pension Fund Regulatory and Development Authority (PFRDA). Any person whose age is between 18 and 65 can start investing in NPS. After submitting an application the investor gets allotted with Permanent Retirement Account Number (PRAN). This unique account number remains same during the entire life of an investor. At the time initiating the application NPS there are two options of account which are 1] Tier I and 2] Tier I and Tier II.  A person who wants to begin with NPS has to open Tier I account compulsory and Tier II account is an optional. The returns on this investment depends upon the performance Pension Fund chosen by the investor. Investment in NPS attracts Tax benefits under various sections of Income Tax act which we will be talking about later during the process of this blog. Now let us know more about Tier I and Tier II accounts.

Tier I Account:- This account is mandatory to begin with NPS and investment made in this account can not be withdrawn as the purpose of this account is retirement planning. Investment done in this account can give us tax benefits as well. We can not begin with NPS without opting for this account. To open Tier I account investor has to invest minimum Rs. 500 at the time of account opening. IN Tier I account there should be minimum one transaction of investment per year and the minimum investment contribution has to be Rs. 1000 per year.

Tier II Account:- This account is an optional where investor can voluntarily invest in this account. The investment made in this account does not offer tax benefits, however this account does not have any restrictions of withdrawn. Any individual can not open only Tier II account alone, to open Tier II account one needs to have Tier I account as well. To open Tier II account investor has to contribute minimum 1000 Rs at the time of initiation of Tier II account. Tier II account does not need minimum contribution per year. Investor can invest in this account if he or she wishes to do so. 

This clearly indicates that investor can either open only Tier I account or Tier I plus Tier II account  as per his or her desire. If any Employer is contributing for the NPS of Employee then employer can not contribute that amount under Tier II account. At the time of retirement 60% amount from the corpus can be withdrawn by the investor and 40% has to be kept for the Pension. Investment in NPS has various diversification such as Equity Funds, Government Securities, Corporate Debts, Fixed Deposits and Liquid Funds. The portfolio of investor will be managed by the experienced Pension Fund Managers. There are total 8 Pension Fund Managers who have been managing the investment in NPS which are mentioned below

1] Aditya Birla Sunlife Pension Management Limited

2] ICICI Prudential Pension Fund Management Company Limited

3] Kotak Mahhindra Pension Fund Limited

4] Reliance Capital Pension Fund Limited

5] SBI Pension Funds Limited

6] LIC Pension Fund Limited

7] UTI Retirement Solutions Limited

8] HDFC Pension Management Company Limited

Investor has an option to select any one of these 8 Pension Fund Management options. The Pension Fund Management can be changed only once in a year. For the NPS investment of Government Employees there are only 3 Pension Fund Managements among the list of these 8, these are  SBI Pension Fund, LIC Pension Fund, UTI Retirement Solutions Limited. 

There are various schemes of Investment in NPS which are given below

1] Scheme E:- here E indicates Equity, it may have high returns however the risk is also high in this. 

2] Scheme C:- here C indicates Corporate Bonds

3] Scheme G:- here G indicates Government Securities

4] Scheme A:- here A indicates Alternative assets, this option is not allowed for Tier II investment account.

Investor has two choices known as Active Choice and Auto Choice, with the option of Auto Choice investor allows the system to invest it as per the age of the investor and in this option the maximum investment in Equity can be up to 75% of the total investment, however it goes shuffled as the age increases of the investor, as the investor gets old the percentage of Equity investment goes down. The returns on the investment either in Active Choice of Auto choice does not have any fixed Rate of Interest and it depends upon the performances of the schemes he or she has chosen to invest in. Therefore it is highly recommended that one should opt for Auto Choice if he or she is not much aware about the investment strategy, market and other analysis. 

Now let us see the Income Tax impact with the help of investment in NPS

Let us check it for Self Employed or a professional person:-

* Investment up to 1,50,000/- Under Section 80 C

* Additional Investment of Rs. 50,000/- in investment will be deducted from the taxable income under section 80CCD (1B) over and above the section 80 C ( 80 C has a limit of Rs. 1,50,000).

Let us check if for Salaried Individual:-

* Investment up to 1,50,000/- Under Section 80 C

* Additional investment of Rs. 50,000 in NPS can help the employee to get more tax benefits under section 80CCD (1B)

* Employees get more tax benefits if their employer is also contributing for the NPS of an Employee, for this there is a maximum limit from the contribution, the limit is of 10% of the salary (Basic Salary + Dearness Allowance ).This section is allowed only to the salaried people if employer is contributing in their NPS account. Many people are unaware about it and have much confusion about this section, however this section can be useful to save more tax.

Any investment made in Tier II account does not offer the tax benefits as interment in Tier II can be  withdrawn any time

Now let us see the rules of Withdrawing money from NPS. There are the instances where money can be withdrawn and those are mentioned below

1] Upon the age 60 of the investor:- At the age 60 investor can withdraw 60% amount from his corpus and there is no any tax has to be paid against that withdrawal. Remaining 40% of the corpus has to be used to buy Annuity. At the time of age 60 if the total corpus is less than Rs, 2,00,000/- then he or she can withdraw the entire 100% amount. However only 60% of that withdrawn amount will be tax free and remaining 40% will attract taxation. 

2] In case of a death of the investor:-  If the investor dies during the time of investment then nominee or nominees have the option to withdraw 100% amount and tax too Tax Free withdrawal. However if nominee wants to continue that NPS account then he or she will have to open NPS account with his or her name and all rules will be applicable to that new NPS account.

3] Emergency Partial Withdrawal:- Any investor can apply for the partial withdrawal after 3 years of NPS initiation. However only 25% of the contributed amount can be withdrawn by him or her. This 25% amount does not mean the amount of accumulation ( Accumulation it means contribution + growth ). Any NPS user can go for partial withdrawal only for 3 times during the life cycle of NPS and he or she an withdraw only up to 25% of the contributed amount. Every Partial Withdrawal should have a purpose like 

a] Higher Education of Children

b] Marriage of Children

c] Purchase or Construction of House or a Flat

d] Treatment of Specific Illness 

4] Premature Exit from NPS:- One can Exit from NPS after 10 years of initiating NPS account. At that time 80% amount of the accumulation will be used to purchase an Annuity and investor can withdraw 20% of the Accumulation amount as a Tax Free. If the total Accumulation is less than Rs, 1,00,000/- then investor can withdraw 100% of the Corpus, however only 40% will be tax free and remaining 60% amount will attract tax calculations. 

These are the important points of NPS, any individual investor should consult an expert as the Tax Rules may get change in new Financial Years. Please share your views if you like this article and post questions in the comment box.  We will meet in another topic where we will be focusing on Income Tax and its rules. Thank you.

SIP + Insure

 SIP + Insure

Hello Friends,

Today we will talk about the attractive feature of Insurance along with the Systematic Investment Plan (SIP). Please share your views in the comment box.

Some Mutual Funds offer Insurance cover at no extra cost. This is to motivate the investors to stay invested for a long period and get the life covered as well. This additional feature of Insurance does not attract any cost to the pocket of investor as the cost for this insurance facility is borne by the Mutual Funds.

Any investor who is between the age of 18 and 51 can avail this facility. If the investment in Mutual Funds has been by joint holders, then this facility is applicable to the first holder of that particular investment. There are certain Asset Management Companies (AMCs) which offer this facility to their customers, to name few 

Axis Mutual Funds, 

ICICI Prudential Mutual Funds,  

Nippon India Mutual Funds

Aditya Birla Sunlife Mutual Funds

PGIM India Mutual Funds

These AMCs provide their customers with the facility of SIP + Insurance and many new names may get  added in the list in coming days. There are some common rules for this facility which have been mentioned below

1] Some companies provide this life insurance cover up to the age of 60 of the clients and some companies provide it up to age of 55. If SIP is continued after this age, the insurance cover will be stopped automatically

2] In the first year of SIP, the life insurance cover will be of 10 times of the SIP Installment

3] In the second year of  SIP, the life insurance cover will be of 50 times of the SIP Installment

4] In the third year of SIP, the life insurance cover will be of 100 or 120 times of the SIP Installment

5] One can get maximum life insurance cover up to Rs. 50,00,000/-

6] If one stops the SIP installment, the life insurance cover will be stopped too

7] Back to back SIP dishonored of SIP installments ( 3 times) attracts ceasing of Life insurance cover.

8] AMCs can decline the Insurance claims if the death of investor occurs within the first 45 days other than the accidental death. Claims can be repudiated if investor dies committing suicide,  If investor dies due to pre-existing illness then claim can be denied.

Let us understand the calculations of life cover as per the following scenarios

Let's assume that Mr. A has taken SIP + Insure of Nippon India Mutual Funds and his SIP amount is of Rs. 1,000/-

 In the first year, he will get a life cover of 1000 X 10 = 10,000/- Rs

In the second year, he will get a life cover of 1000 X 50 = 50,000 Rs.

In the third year and onwards, he will get a life cover of 1000 X 120 = 1.20 Lakhs 

It is always good to have insurance facility, however one should always check the performance of Mutual Funds' schemes. To ensure continuous Insurance coverage one should not let the SIP installment get dishonored. One should not rely only on this facility for Insurance coverage, Term Insurance has to be given with the first priority. 

This option of SIP + Insure will not start automatically, for this one has to select this option while filling the form. Investors should not take a look at Insurance, he or she should think for risk involved in that particular fund.

With this option to get Insurance, We recommend our readers to take SIP + Insure, however before deciding something always consult your Financial Planner. Wish you all the best. 

Please feel free to share your views in the comment box or let us know your requirements to have more knowledge of a particular topic for upcoming posts. Thank you.

With regards

Sunil Patil

I for Investment Financial Consultancy, Pune

Term Life Insurance

Term Insurance Information 

Term Insurance is a Life Insurance which provides Insurance coverage for a specific period of years. This type of policy provides a Financial Protection to the nominee/s. These types of policies provide higher amount of life insurance cover at the lowest possible premium payment. These types of policies do not have maturity options, however some insurance companies came up with the options of Return Of Premium (ROP) at the end of policy term. However the premium may cost more compare to the regular term insurance plans. Term Insurance cover is applicable as long as policyholder pays the premium. If policyholder misses the premium payment, then term insurance cover does not come into picture. Here the premium payment options can be taken by the policyholder as per his or her convenience. One can opt for Single Premium, Regular Premium which is equal to the policy duration in years, Limited Premium Payment (LPP) for certain years is another option. There are 24 Life Insurance companies in India and all of them sell Term Insurance products to their customers. Every Life Insurance company has different premium rates as per their calculations of Morality, Life Expectancy, Lifestyle, Education, Profession of the policyholders. 

We can buy Term Insurance policies either online or offline with the help of Financial Planners. A person who neither smokes or drinks get the premium discount, however a person who smokes and/or drinks have to bear with more premium cost. Once one applies for term insurance application, this goes to Underwriting department of that Insurance company. Underwriters decide whether to accept the policy? Underwrites may take following decisions against the Insurance application

1] Accept the proposal at regular premium rates

2] Decline the proposal due to medical reasons

3] Reduce the Life Cover (Sum Assured) 

4] Increase the Premium Cost

If a person is young and earning handsome amount of salary then some companies do not go with the option of medical test of the proposer. However if the life insurance cover request is more and if the age is also at the higher side then proposer will have to undergo a medical test where Underwriters get the details to assess the risk of the life of the proposer. Most of the Life Insurance companies provide the maximum Life Insurance coverage up to 20 times of the annual income of an individual. The rules of Underwriting differ from other Insurance companies. All companies offer additional benefits which are known as Riders such as Permanent Disability Benefit Rider, Double Accident Death Benefit Rider, Critical Illness Benefit Rider etc. All riders come with the additional cost of premium payment.  One should be careful in choosing riders as per the individual needs as taking riders is optional. To take a Term Insurance one needs to prove his or he income by providing the documents such as Salary Slips, ITR, Form 16, Bank Statement etc. 

Some Insurance companies provide their clients with the option of Married Women Property Act (
MWP Act 1874) where the insurance policy indicates that it has been taken for the future of wife and kids. One should check this option at the time of application. This act is of the Era of British Empire, therefore I urge the readers to know more about this before applying for Insurance Policy. You may get the detailed information from Insurance Advisors, Financial Planners, Brokers or Finance Experts.

There are few tips our readers to follow before buying a Term Insurance

1] Try to take a term insurance in early age once we start earning

2] Provide all correct information in the forms

3] Check the riders details and apply for it if needed

4] Try to take Insurance coverage for maximum period, do not take it only for 5, 10, 15 years.

5] Check the Claim Settlement Ratio of that Insurance company

6] Check if that organization has achieved its break ever point ( Maiden Profit)

7] Check the ratings of Services towards the clients

8] Policy can be backdated for the same Financial year, one can take its advantage is his or her birthday has recently appeared. 

9] Fill the correct details of Nominee and update if if nominee dies.

10]  One should take a Life Insurance cover of  12 to 15 times of Annual Income

11] Applying for Term Insurance has to be a first priority if there is any Liability such as Home Loan, Personal Loan or huge responsibilities on a shoulder of a bread winner.

12] Take a proper guidance from the experts and then proceed with the application, do not rely completely on the information received by tele-marketing calls. Fake calls by them can leads towards misleading. 

Thank you for reading, you may share your queries and feedback here. Do not hesitate to dial 9373907560 if you want more information. I urge our readers to follow our blog and our Facebook page too.  

https://forms.gle/LGRUcHh56kU9fYSX7

You may use this google form if you need any guidance for Term Insurance Process.

Exploring the Liquid Funds

Hello Friends,

Let us learn more about Liquid Funds:-

Liquid Fund is of a Debt Mutual Fund Category where your money will be invested into the Fixed Income options like Government Securities, Treasury Bills, Commercial papers, and some secure Bonds.

The purpose of investment in Liquid Fund should be of short duration. The best part of these funds is that you get you money within 24 hours from the time of request of redemption. Some Liquid Funds transfer your money by IMPS and you get money within half an hour. Some AMCs offer a card like Debit Card for the purpose of redemption and customer can withdraw his or her money from the nearest ATMs of specified Banks. They may have a limit of withdrawal per day, hence I recommend the blog readers to verify it before you start investing in Liquid Funds.

If one has idle cash in saving bank account and this amount may be required anytime in upcoming days, then rather than keeping your money in Saving Bank Account, Liquid Fund is the better option for this investment. If a person is working professional then it has been advised to keep 6 months income in liquid format to tackle the situations like losing a job, Lockdown during epidemic, shut down of the company or by any other reasons by which persona may not get salary or a salary may be delayed. If a person is a businessman then he should keep business expenses of 2 years in a liquid format. For these two requirements liquid fund suits well and help to get the money whenever investor wants. The prompt action in redemption of  money makes this funds to be known as Insta Funds also.

You may feel free to share your valuable inputs on this article. Please do not hesitate to ask your queries and do not forget to like us on Facebook. We will come with another information soon. Thank you.

Hello Friends,

I For Investment Financial Consultancy has brought you an opportunity to learn more about Mutual Funds. We will keep this blog updated periodically. Enjoy learning for the betterment of your Investment World.

You may visit our Facebook page I For Investment Financial Consultancy if you would like to follow us on Facebook.

Definition of mutual funds:-

•Mutual Funds is a name given to a pool of contribution made by various investors. This investment has to be managed by professional and experienced Fund Managers.

Types of Mutual Funds

Types of Mutual Funds:-

Equity Mutual funds:-

•Equity Mutual Funds invest your money in Stock Market and the investment risk has to be borne by the investor. Rate of Returns depends upon the movement in Stock Market. If one has to invest in Equity Mutual Funds then he has to apply a formula 100-Age=% of Equity Investment.

•For example, a person is 25 years old then 100-25=75%, it indicates that his investment should not be more than 75% in Equity Mutual Funds or Stock market.

•Recommended for:- Young bread winners for the family

Debt Mutual funds:-

•Debt Mutual Funds invest your money in Fixed Income Investment such as Corporate Bonds, Government Bonds, Corporate Securities. These types of investment are more secure compare to the investment in Equity Funds. However there returns given by these funds may be less than the equity funds.

Balanced or hybrid Mutual funds:- 

•Balanced or Hybrid Mutual Funds have been designed for the investors who want a safety as well as some returns on their investment. In these types of mutual funds the investment will be done in Equity, Debt, Bonds and some fixed income instruments.

Money market Mutual funds:-

•Here your money will be invested for a short duration even for 7 days. The investment has high liquidity with no risk. These investments are alternative to the money kept in saving bank account.These funds are called Liquid Funds too.

Exchange Traded Funds (ETF):-

•Exchange Traded Funds need a D-Mat Account to begin with the investment, however there are Funds of Funds which do not need D-Mat Account for the investment.

•For Example:- A Gold Fund

•One should have 10 to 15% of Portfolio invested into Gold Funds SIPs.

Types of mutual funds as per the investment duration:-

•Open Ended Mutual Funds:- These Funds allow the investor to exit as per his or her requirements of Money. Some Funds charge Exit Load if investor exits before a year.

•Close Ended Mutual Funds:- Close Ended Mutual funds have a lock-in period which doesn’t allow the investor to exit as per his requirements. Close Ended Funds are popularly known as Equity Linked Saving Scheme (ELSS) which allows investors to get Tax Benefits U/S 80 C of Income Tax.

•One should choose the funds carefully as per the future requirements. 

Various Equity Funds:-

ØLarge Cap or Blue chip Funds:- These Funds invest your money in the stocks which have the capital value more than 20,000 Crores.

ØMid Cap Funds:- These Funds invest your money in the stocks which have the capital value between 5,000 and 20,000 Crores.

ØSmall Cap Funds:- These Funds invest your money in the stocks which have the capital value less than 5,000 Crores.

ØMulti-Cap funds:- These Funds invest your money in Large Cap, Mid Cap and Small Cap Companies.

Options to invest in Mutual funds:-

•Onetime Investment:- Minimum investment has to be of Rs. 5,000

•SIP:- Systematic Investment Plan- Minimum investment has to be of Rs. 1,000 per month, Some funds allow the investment of Rs, 500 per month is called Micro SIPs. SIPs can be done daily, monthly and Quarterly too.

•STP:- Systematic Transfer Plan:- Here investor has to choose two funds where money will be transferred from one to another as per the instructions given by the investor

•Investment in Liquid Funds:- Rather than keeping money idle in Saving Bank Account, this option of investment is more popular among the investors, These funds give you the money as per your requirements. Some Funds provide Debit cards and some funds use IMPS to give you money whenever you need. 

Technical Terminologies of Mutual funds:-

qNFO:- New Fund Offer

qSTP:- Systematic Transfer Plan

qSWP:-Systematic Withdrawal Plan

qSIP:- Systematic Investment Plan

qExit Load:- Charges against Premature Exit

qEntry Load:- Charges at the time of Beginning

qAMC:- Asset Management Companies

qNAV:- Net Asset Value

qFund Value:- Value of your investment including the profit or loss

qAUM:- Asset Under Management

qKYC:- Known Your Client

Choices for investor:-

•Direct Mutual Funds:- Here investor invests directly with the fund without any intermediary

•Regular Mutual Funds:- Here Investor invests with a guidance of any advisor or a broker

•Growth / Dividend or Bonus:- Investor has to decide at the time of beginning

•DMAT Mode or Physical Mode:- Investor can invest with or without DMAT account, however to invest in Exchange Traded Funds (ETF) one needs to have a D-Mat Account.

Most popular applications for mutual funds:-

FundzBazar:-

•FundzBazar Website:- Click here to go to FundZBazar 

FundzBazar Mobile App:-Click here to download FundBazar Mobile App.

Help From IFI•Click here to get our help for Mutual Funds

We are open for your queries, suggestions and feedback. You may contact us by the ooptions mentioned below

Cell No.9373907560

Email:- iforinvestment@rediffmail.com