Mutual Fund Advisor & Distributor
Grow your wealth smarter, not harder.
Expert mutual fund and insurance guidance tailored to your goals. Trusted partner of NJ Wealth and HDFC life.
21
Happy Clients
₹20 Lakhs
AUM Managed
Mutual Funds
Invest in top-rated funds via NJ Wealth — AMFI registered, paperless, fully guided.
ELSS · Tax SavingModerate
Parag Parikh ELSS Tax Saver
19.1%
1Y
23.4%
3Y
26.2%
5Y
💰 Save up to ₹46,800 tax under Sec 80C
Invest via Nikhil →ELSS · Tax SavingModerate
Mirae Asset ELSS Tax Saver
17.8%
1Y
20.5%
3Y
22.9%
5Y
💰 Save up to ₹46,800 tax under Sec 80C
Invest via Nikhil →Equity · Small CapModerate
SBI Small Cap Fund
22.4%
1Y
28.1%
3Y
31.5%
5Y
⏱ Best for 7–10+ year horizon
Invest via Nikhil →Equity · Small CapModerate
Axis Small Cap Fund
21.8%
1Y
26.9%
3Y
29.4%
5Y
⏱ Best for 7–10+ year horizon
Invest via Nikhil →ELSS · Tax SavingModerate
Canara Robeco Equity Tax Saver
16.3%
1Y
18.7%
3Y
21.4%
5Y
💰 Save up to ₹46,800 tax under Sec 80C
Invest via Nikhil →*Returns shown are indicative past performance. Mutual fund investments are subject to market risks. Please read all scheme related documents carefully.
Bond Market via Aspero
Earn fixed, predictable returns with corporate & government bonds. Lower risk, higher than FD.
Aspero
📈
8–13% Returns
Better than FD, lower risk than equity
🔒
Fixed Income
Know exactly what you earn upfront
🏢
SEBI Regulated
Listed, rated, and transparent
TAT
Tata Motors Finance Limited
AAA+NCD
7.75%
Yield to maturity
Aug 2026
Maturity
—
Int. repayment freq.
₹10,00,000
Face value
NAT
National Highways Infra Trust
AAANCD
7.4%
Yield to maturity
Oct 2035
Maturity
Half Yearly
Int. repayment freq.
₹300
Face value
INC
InCred Financial Services Limited
AA-NCD
9.3%
Yield to maturity
Mar 2028
Maturity
Quarterly
Int. repayment freq.
₹1,00,000
Face value
HIN
Hinduja Leyland Finance Limited
AA+NCD
9.3%
Yield to maturity
Sep 2032
Maturity
Yearly
Int. repayment freq.
₹1,00,000
Face value
MUT
Muthoot Fincorp Limited
AA-NCD
9.25%
Yield to maturity
Mar 2029
Maturity
Monthly
Int. repayment freq.
₹1,00,000
Face value
MUT
Muthoot Fincorp Limited
AA-NCD
9.25%
Yield to maturity
Dec 2028
Maturity
Monthly
Int. repayment freq.
₹1,00,000
Face value
MUT
Muthoot Fincorp Limited
AA-NCD
9.25%
Yield to maturity
Oct 2028
Maturity
Monthly
Int. repayment freq.
₹1,00,000
Face value
Ada
Adani Enterprises Limited
AA-NCD
8.6%
Yield to maturity
Jan 2028
Maturity
—
Int. repayment freq.
₹1,000
Face value
Ada
Adani Enterprises Limited
AA-NCD
8.6%
Yield to maturity
Jan 2028
Maturity
Yearly
Int. repayment freq.
₹1,000
Face value
HER
Hero Fincorp Limited
AA+NCD
8.4%
Yield to maturity
Nov 2028
Maturity
Yearly
Int. repayment freq.
₹10,00,000
Face value
PRO
Profectus Capital Private Limited
A+NCD
10.7%
Yield to maturity
Jan 2028
Maturity
Monthly
Int. repayment freq.
₹1,00,000
Face value
PRO
Profectus Capital Private Limited
A+NCD
10.7%
Yield to maturity
Feb 2028
Maturity
Monthly
Int. repayment freq.
₹10,000
Face value
VIV
Vivriti Capital Limited
A+NCD
10.45%
Yield to maturity
May 2028
Maturity
Quarterly
Int. repayment freq.
₹10,000
Face value
U
Ugro Capital Limited
A+NCD
10.4%
Yield to maturity
Feb 2027
Maturity
Monthly
Int. repayment freq.
₹10,000
Face value
VIV
Vivriti Capital Limited
A+NCD
10.35%
Yield to maturity
Nov 2027
Maturity
Quarterly
Int. repayment freq.
₹10,000
Face value
SAM
Sammaan Capital Limited
AA-NCD
10.2%
Yield to maturity
Sep 2026
Maturity
Yearly
Int. repayment freq.
₹1,000
Face value
INC
InCred Financial Services Limited
AA-NCD
9.35%
Yield to maturity
Dec 2027
Maturity
Quarterly
Int. repayment freq.
₹1,00,000
Face value
IKF
IKF Finance Limited
AA-NCD
9.35%
Yield to maturity
Mar 2028
Maturity
Quarterly
Int. repayment freq.
₹10,000
Face value
*Bond availability and yields change frequently. Contact Nikhil for current listings. Bonds are subject to credit risk. Please read the offer document carefully before investing.
Financial Calculators
Plan your investments, EMIs, retirement, goals and more — all in one place.
💼 Fund Costs & Tax Settings
These settings apply across all calculators. Adjust to see real post-fee, post-tax returns.
💼 Expense Ratio
%/yr
🏆 LTCG Tax
Held > 1 year · ₹1.25L exempt
%
STCG: Equity gains if sold within 12 months — taxed at flat 20% (Budget 2024)
LTCG: Equity gains above ₹1.25L/yr if held 12+ months — taxed at 12.5% (Budget 2024)
Expense Ratio: Deducted from gross returns. FD vs MF and Step-Up comparisons use these values.
SIP Calculator
Calculate returns on your monthly Systematic Investment Plan.
Invested
₹6,00,000
Returns
₹4,33,069
Total Value
₹10,33,069
💼 Expense ratio 1.00%/yr applied. Net return: 11.00% (gross: 11.00%). Your corpus reflects real post-fee growth.
After LTCG tax (12.5% on gains above ₹1.25L): ₹10,33,069 (tax: ₹61,867)
Invested (58%)Returns (42%)
Let's talk about your goals
Reach out to Nikhil for a free consultation — mutual funds, insurance, or both. No obligations.
Phone
+91 97310 94521
Mutual Funds
NJ Wealth · ARN-315319
Insurance
HDFC Life