Mutual fund distribution is the process of helping individuals invest in mutual fund schemes offered by various fund houses. As a distributor, we guide investors through fund selection, investment strategy, and continuous portfolio monitoring, making the investment journey easy, informed, and goal-oriented.

Types of Mutual Funds
Depending on your financial goals, risk appetite, and investment horizon, mutual funds are broadly classified into the following categories:

Equity Mutual Funds

• Invest primarily in company stocks.
• Suitable for long-term wealth creation.
• Higher return potential with higher risk.

Debt Mutual Funds

• Invest in fixed-income securities such as bonds and government instruments.
• Suitable for conservative investors seeking stability.
• Generally lower risk compared to equity funds.

Hybrid Mutual Funds

• Combine both equity and debt instruments.
• Offer a balance of risk and return.
• Ideal for medium-term investors.

Tax-Saving Mutual Funds (ELSS)

• Equity-linked schemes offering tax benefits under Section 80C.
• Lock-in period of 3 years.
• Best suited for long-term investors looking for tax savings.

Liquid Funds

• Invest in short-term money market instruments.
• Provide high liquidity with relatively low risk.
• Ideal for parking surplus funds for short durations.

Key Features of Mutual Fund Investments

• Professional Management : Managed by experienced fund managers who make data-driven investment decisions.
• Diversification: Investments are spread across multiple assets to reduce overall risk and deliver more stable returns.
• Liquidity : Most mutual funds allow easy entry and exit, giving investors flexibility and control.
• Transparency : Regular updates on fund performance, portfolio holdings, and NAV help you stay informed.
• Regulatory Oversight : Regulated by SEBI, ensuring investor protection and adherence to fair market practices.
• Low Entry Barrier : Start investing with small amounts through SIPs or lump-sum options, making mutual funds accessible to everyone.

Mutual funds offer a transparent, flexible, and effective way to build long-term wealth. Our expert distribution services help you choose the right schemes that align with your goals and risk profile. Let us guide you toward smarter and more confident investing.

A Demat account holds your shares and securities in digital form, eliminating the need for physical certificates. A trading account allows you to buy and sell these securities on the stock exchange. Together, these services make it easy to participate in the equity market, access investment opportunities, and track your portfolio efficiently.

We provide seamless Demat and trading account opening, backed by professional support and user-friendly platforms to help you invest with confidence.

Types of Accounts Offered
We offer different types of Demat and trading account setups based on your investment needs:

Individual Account

• For single investors. : Most common and easy to open.
• Joint Account : Opened by two or more individuals.
• Corporate Account  : For companies and institutions.
• Minor Account : Held by a guardian on behalf of a minor.

Key Features of Demat & Trading Services

• Paperless Account Opening : Fully online KYC process for quick and easy setup.
• Secure Holdings : Your securities are held electronically, reducing the risk of loss or damage.
• Real-Time Trading : Buy and sell stocks, mutual funds, ETFs, and more with real-time execution.
• Portfolio Tracking : Access reports, transaction history, and market trends anytime through an intuitive dashboard.
• Seamless Integration : Linked with your bank and trading account for smooth fund transfers and settlements.
• Regulated & Compliant : Services are offered through registered depository participants, ensuring complete regulatory compliance.

Demat and trading services give you the tools you need to invest and grow your wealth in today's dynamic markets. With reliable support and secure platforms, we make investing simple, efficient, and hassle-free.

PMS & AIF services offer bespoke investment strategies tailored to your financial goals and risk appetite. PMS focuses on managing individual portfolios with flexibility, while AIF gives access to alternative asset classes such as private equity, hedge funds, and real estate, helping diversify and enhance potential returns.

Types of PMS & AIF:

Discretionary PMS:

• The portfolio manager has full discretion over investment decisions, aligning them with your investment goals.

Non-Discretionary PMS:

• The portfolio manager provides advice and recommendations, but the final investment decisions are made by the client.

Category I AIF:

• Invests in start-ups, small and medium enterprises (SMEs), and social ventures, promoting early-stage businesses.

Category II AIF:

• Includes private equity funds, debt funds, and other funds that do not fall under Category I or III.

Category III AIF:

• Focuses on strategies that may include complex trading strategies such as hedge funds, aiming for short-term gains.

Features of PMS & AIF:

Customized Portfolio Management:

• Investment strategies are tailored to your specific financial goals, risk tolerance, and preferences.

Expert Management:

• Managed by experienced fund managers with a deep understanding of market trends and investment strategies.

Diverse Investment Options:

• Access to a wide range of asset classes including equities, debt, private equity, real estate, and hedge funds.

Active Portfolio Monitoring:

• Continuous tracking and rebalancing of your portfolio to ensure alignment with market conditions and your goals.

Risk Management:

• Focused strategies to manage and mitigate risks, ensuring a balance between potential returns and risk exposure.

At Esdee Finmart, we offer tailored PMS and AIF solutions that provide you with expert management and diversified investment opportunities. Whether you are seeking customized portfolio management or exploring alternative investment funds, our services are designed to help you achieve your financial goals.

Fixed Deposits (FDs) are a popular investment option that offers assured returns over a specified period. This safe investment allows individuals to park their funds securely and earn interest without worrying about market fluctuations. FDs are ideal for those seeking stable and reliable returns on their savings.

Product Description:

A Fixed Deposit is an investment where you deposit a lump sum amount for a fixed tenure, and in return, earn interest. The interest rate is predetermined, and you receive the principal amount along with the accumulated interest at the end of the tenure. FDs are widely regarded as one of the safest forms of investment.

Types of Fixed Deposits:

• Regular Fixed Deposit: A standard FD where you deposit money for a fixed term, earning a predetermined interest rate.
• Tax-Saving Fixed Deposit: This FD comes with a 5-year lock-in period and offers tax benefits under Section 80C of the Income Tax Act.
• Senior Citizen Fixed Deposit: Exclusively for individuals aged 60 and above, offering higher interest rates than regular FDs.
• Recurring Deposit: A variant where you deposit a fixed amount regularly, which earns interest like a standard FD.

Key Features:

• Guaranteed Returns: Fixed Deposits provide assured returns, unaffected by market volatility.
• Flexible Tenure: FDs offer flexible investment tenures, ranging from 7 days to 10 years, as per your financial goals.
• High Liquidity: You can withdraw your deposit prematurely, subject to a penalty, providing flexibility in emergencies.
• Tax Benefits: Some FDs, like tax-saving deposits, offer deductions under Section 80C, reducing your taxable income.
• Senior Citizen Benefits: Senior citizens enjoy additional interest rates, making FDs an attractive option for retirees.

Fixed Deposits are an excellent way to grow your savings safely. With guaranteed returns and flexible tenure options, FDs offer stability for your portfolio. Explore our Fixed Deposit plans and invest confidently today.

Invest in a Fixed Deposit now and secure your financial future with guaranteed returns. Reach out to us for more details and start your FD today!

Health and life insurance refers to policies that provide financial protection in the event of medical emergencies, critical illnesses, disabilities, or death. These policies are designed to reduce the burden of unforeseen expenses and help maintain financial stability.

Depending on your needs, these policies can be individual, family-floater, or tailored to cover specific events like major illnesses or income loss due to disability.

Types of Health & Life Insurance Solutions
1. Disability Cover
A plan that provides income protection in case you are unable to work due to a temporary or permanent disability caused by an accident or illness.

Key Variants:

• Permanent Total Disability Cover: Provides a lump sum if you are permanently and totally disabled.
• Temporary Disability Cover: Offers weekly or monthly compensation during your recovery period.
• Accidental Disability Rider: Can be added to life insurance policies to cover accidental disabilities.

2. Critical Illness Cover
A plan that pays a lump sum amount upon diagnosis of a serious illness listed in the policy, helping manage treatment costs and related expenses.

Key Variants:

• Fixed Benefit Plan: Pays a predefined amount regardless of actual treatment expenses.
• Comprehensive Plan: Covers multiple stages of illnesses, from early detection to advanced stages.
• Standalone Policy: Independent critical illness insurance not linked to health or life plans.
• Rider Option: Can be added to life or health insurance plans for additional protection.

Key Features of Health & Life Insurance

• Comprehensive Coverage : Covers hospitalization, pre- and post-treatment, surgeries, and advanced procedures.
• Lump Sum Payouts : Critical illness and disability plans provide a fixed lump sum on diagnosis or confirmation of the condition.
• Income Replacement : Disability covers ensure a steady flow of income during the period of incapacitation.
• Tax Benefits : Premiums paid are eligible for deductions under applicable sections of the Income Tax Act, subject to limits.
• Customizable Riders : Options to add riders like accidental death, disability, or critical illness to basic policies for enhanced protection.
• Cashless Hospital Network : Access to wide hospital networks with hassle-free claim processes through cashless facility.

Health and life insurance plans are not just financial tools – they are promises of protection for your family. Whether it’s a critical illness, an accident, or an unfortunate event, the right coverage ensures your goals remain uninterrupted. Choose a plan that matches your lifestyle and needs.

Will preparation is the process of legally documenting how your assets - such as property, bank balances, investments, and personal belongings - should be distributed after your lifetime. A well-drafted will ensures your instructions are clearly followed and your family is protected from unnecessary legal complications.

Through professional will preparation, you can appoint an executor, name guardians for minor children, and ensure that your assets are passed on according to your wishes in a structured and lawful manner.

Types of Wills

Depending on your situation and preferences, you can choose from several types of wills:

• Simple Will: Suitable for straightforward asset distribution.
• Joint Will: Created by two people, typically spouses, in a single document.
• Living Will: Provides instructions for medical care if you're unable to make decisions in the future.
• Testamentary Trust Will: Creates a trust from your estate after your death.

Key Features of Will Preparation

• Legal Clarity: Clearly outlines your wishes, reducing the chance of disputes among heirs.
• Asset Protection: Ensures that wealth is passed on to the right individuals without delays or confusion.
• Nomination & Guardianship: Appoint trusted individuals as guardians or executors for smooth estate execution.
• Tax Efficiency: Helps structure your estate in a way that can reduce potential tax liabilities.
• Peace of Mind: Gives you confidence that your loved ones will be cared for as per your intentions.
• Customisation: Every will is tailored to your financial, familial, and personal circumstances.

Will preparation is a vital step in responsible financial strategy. It ensures that your hard-earned assets benefit the right people and that your family is not burdened during an already difficult time. Our expert guidance helps you create a clear, valid, and legally sound will that reflects your wishes.

When you need quick access to funds without liquidating your investments, a Loan Against Securities is the smart choice. It allows you to leverage your holdings to meet your financial goals without selling them.
A Loan Against Securities is a secured loan that lets you pledge your stocks, mutual funds, or other financial instruments as collateral, ensuring you can continue to benefit from potential market gains.
Types of Loan Against Securities:

• Equity Shares: Pledge your equity shares for instant funds.
• Mutual Funds: Use your mutual fund units as collateral.

Features of Loan Against Securities:

• Competitive interest rates
• Flexible repayment options
• No need to liquidate your investments
• Quick approval and disbursal
• Continue to receive dividends and interest.

Experience the power of your investments. Opt for a Loan Against Securities and secure your financial future. Take the first step today with a simple online application.

Goal-based financial strategy is a method that focuses on setting specific life goals and creating a financial roadmap to achieve them. Rather than focusing only on returns or market trends, this approach considers your personal milestones and builds a customized plan to reach them within a desired timeframe.

It includes budgeting, saving, investing, and reviewing progress regularly - all tailored to your financial objectives, income, and risk appetite.

Types of Financial Goals

Financial goals can be broadly divided into three categories, based on their timeline:

Short-Term Goals

• Timeframe: Less than 3 years
• Examples: Emergency fund, travel, small purchases

Strategy involves low-risk, liquid investments

Medium-Term Goals

• Timeframe: 3-7 years
• Examples: Buying a vehicle, higher education

Strategy involves balanced investment approaches

Long-Term Goals

• Timeframe: More than 7 years
• Examples: Retirement, child's marriage, buying a house

Strategy involves equity-based investments for long-term wealth creation

Key Features of Goal-Based Financial Strategy

• Personalised Strategy: Each plan is created around your specific financial goals and life priorities.
• Risk-Aligned Investments: Portfolio choices are matched with your risk profile and goal horizon.
• Milestone Tracking: Regular reviews ensure you're on the right path and allow adjustments when necessary.
• Disciplined Saving: Encourages structured savings through SIPs or lump-sum investments.
• Diversification: Investments are distributed across various asset classes to manage risk and optimise returns.
• Flexible and Adjustable: Plans can be modified over time to reflect changes in income, lifestyle, or goals.

Goal-based financial strategy brings clarity and control to your financial life. Instead of reacting to market changes or vague ambitions, you move forward with purpose, knowing exactly what you're working toward. Our expert advisors help you create a solid plan that turns your goals into reality.

A loan against mutual funds is a secured loan where mutual fund units are pledged as collateral. The borrower retains ownership of the investments while gaining access to funds based on the market value of the pledged units. This helps in meeting urgent financial needs without disrupting long-term financial goals.

Types of Loan Against Mutual Funds

• Loan Against Equity Mutual Funds : Higher interest rates due to market-linked risks.
• Loan Against Debt Mutual Funds : Lower interest rates compared to equity funds.

Key Features

• Quick Access to Funds - Fast processing and disbursal against pledged mutual funds.
• Retain Investment Growth - Continue earning returns on pledged units.
• Flexible Loan Amount - Based on mutual fund value and lender policies.
• No Prepayment Penalty - Some lenders offer flexibility in loan repayment.
• Lower Interest Rates - More affordable than unsecured personal loans.

A loan against mutual funds is a smart way to access funds without liquidating investments. It helps maintain financial stability while leveraging existing assets.

Solution Oriented Funds are mutual fund schemes structured to address targeted life goals. Whether it's securing your child’s future, ensuring a comfortable retirement, or saving on taxes, these funds offer goal-focused investment strategies. These are typically long-term funds with lock-in periods to encourage consistent investing and wealth accumulation.

Types of Solution Oriented Funds
1. Child Education Funds
Designed to help parents plan and invest for future education expenses of their children, these funds aim to build a corpus over a fixed duration.

• Equity-Debt Mix: Balances growth with stability depending on the child’s age.
• Lock-in Period: Generally has a lock-in until the child turns 18.
• Goal-Based Withdrawals: Structured for educational milestones like school, graduation, or higher studies.

2. Retirement Savings Funds
These funds are created to build a retirement corpus and provide income post-retirement.

• Lifecycle Allocation: Higher equity exposure in early years, shifting to debt as retirement approaches.
• Annuity Options: May allow conversion to regular income after retirement.
• Mandatory Lock-In: Typically comes with a 5-year or retirement age lock-in.

3. Tax Saving Funds (ELSS)
Equity Linked Saving Schemes (ELSS) allow you to save tax under Section 80C while building long-term wealth.

• Short Lock-In: 3-year lock-in period, the shortest among tax-saving instruments.
• Equity Exposure: High potential for capital appreciation through equity investments.
• Dual Benefit: Tax saving and wealth creation in one product.

4. Capital Gain Bonds (54EC)
Special bonds used to reinvest long-term capital gains and save tax under Section 54EC of the Income Tax Act.

• Capital Gains Exemption: Invest gains from property sale to save tax.
• Fixed Tenure: Usually 5-year lock-in with a fixed interest rate.
• Eligible Issuers: Typically issued by government-backed institutions like REC, NHAI, etc.

Key Features of Solution Oriented Funds

• Goal-Specific strategy : Funds aligned with major financial milestones—education, retirement, tax savings.
• Disciplined Investing : Lock-in periods encourage long-term commitment and compounding benefits.
• Tax Efficiency : Some categories offer tax exemptions or deductions under prevailing laws.
• Professional Fund Management : Expertly managed portfolios based on defined risk profiles and durations.
• Balanced Risk Approach : Combination of equity and debt ensures both growth and stability.
• Transparent & Regulated : Governed by regulatory norms with clear mandates and disclosures.

Solution Oriented Funds are more than investments—they’re a structured path toward your life goals. Whether it's ensuring quality education for your child, preparing for a stress-free retirement, saving taxes, or reinvesting gains, these funds offer strategic and reliable options.