From disciplined SIPs to premium Portfolio Management Services — Vishwas Financials offers a curated suite of investment products to grow, protect, and multiply your wealth at every life stage.
World-class investment products across every asset class — tailored to your risk appetite, goals, and time horizon.
Disciplined goal-based wealth creation
Research-backed stock market investing
Low-cost diversified market exposure
Exclusive strategies for HNI investors
Secure low-risk wealth preservation
Unlock liquidity without selling
Mutual Funds and SIPs offer a disciplined, proven way to build wealth over time. Our advisory selects the right funds aligned to your goals, risk profile, and horizon — from equity to debt to hybrid strategies.
Large-cap, mid-cap, small-cap and flexi-cap funds for long-term capital appreciation.
Liquid, short-duration, and corporate bond funds for stable returns with capital safety.
Balanced Advantage and Aggressive Hybrid funds offering equity growth with debt stability.
Market-linked growth with ₹1.5L deduction under Section 80C. 3-year lock-in only.
| Fund Category | Ideal Horizon | Historical CAGR |
|---|---|---|
| Large Cap Equity | 5–7 Years | 10–13% |
| Mid & Small Cap | 7–10 Years | 13–18% |
| Hybrid / Balanced | 3–5 Years | 9–12% |
| ELSS Tax Saving | 3+ Years | 11–15% |
| Debt / Liquid | 1 Month–3 Years | 5–8% |
Direct equity offers the highest long-term wealth potential but demands rigorous research. Our advisory identifies high-potential stocks and builds diversified portfolios across sectors and market caps.
Deep analysis of company financials, business model, competitive positioning, and chart patterns before every recommendation.
Sector allocation across IT, pharma, banking, FMCG, infrastructure, and manufacturing for balanced, resilient portfolios.
Buy-and-hold for quality businesses with durable competitive moats — compounding wealth over 7–15+ year horizons.
Exit underperformers, add new opportunities, and rebalance sectors based on evolving market conditions.
ETFs trade like stocks but track an index or basket of securities — combining the diversification of mutual funds with the real-time liquidity of stocks at a fraction of the cost. Perfect for passive investors seeking market returns.
Nifty 50, Nifty Next 50, and Sensex ETFs for passive exposure to India's blue-chip companies at minimal cost.
Banking, IT, pharma, and infrastructure ETFs for targeted exposure to India's highest-growth sectors.
Digital gold with full transparency, zero storage cost, and instant exchange liquidity — best gold investment vehicle.
Global diversification through US, emerging market ETFs accessible from your Indian demat account.
PMS is for investors seeking a sophisticated, personalised approach beyond mutual funds. Each client gets a dedicated portfolio manager, customised strategy, and complete transparency — not a pooled scheme sold to thousands.
A senior investment professional managing your portfolio exclusively with deep understanding of your goals and risk tolerance.
Tailor-made equity, debt, and alternative allocation built around you alone — not a one-size-fits-all scheme.
Real-time access to holdings, transactions, P&L, and detailed performance attribution reports every month.
Choose full discretionary management or advisory mode — where we advise and you approve each investment decision.
Bonds and FDs form the bedrock of every well-structured portfolio — providing capital protection, predictable returns, and regular income. We select the best instruments across government and corporate issuers.
Sovereign-backed bonds with zero default risk and attractive yields for conservative investors.
Top-rated corporate bonds from leading Indian companies offering yields higher than bank FDs.
Curated FD recommendations from top-rated banks and NBFCs offering superior interest rates with safety.
RBI-issued SGBs with 2.5% annual interest plus gold price appreciation — 100% tax-free on maturity.
| Instrument | Tenure | Indicative Yield |
|---|---|---|
| Government Securities | 1–40 Years | 6.8–7.5% |
| AAA Corporate Bonds | 1–10 Years | 7.5–8.5% |
| Bank FDs (Top Banks) | 7 Days–10 Years | 6.5–7.8% |
| NBFC FDs (Rated) | 1–5 Years | 8.0–9.5% |
| Sovereign Gold Bonds | 8 Years | 2.5% + Gold Gain |
An emergency or opportunity should never force you to liquidate your portfolio. LAMF lets you borrow against your MF holdings at competitive rates — while your investments continue to compound uninterrupted.
Loans disbursed in 24–48 hours. Your existing KYC is typically sufficient. Completely digital and paperless process.
Rates typically 10–12% p.a. — significantly lower than personal loans or credit cards, with zero foreclosure charges.
Pledged units remain invested and continue generating returns during the loan tenure. Liquidity without opportunity cost.
Pay interest only monthly or repay principal in flexible tranches — structured to match your actual cash flow.
Participate in India's rapidly growing economy through FEMA-compliant investment products. Vishwas Financials handles all regulatory requirements, account setup, and portfolio management — making India investing effortless from anywhere in the world.
Indian equity and debt funds through NRE or NRO account with full repatriation benefits where applicable.
Indian equities through the Portfolio Investment Scheme on NSE and BSE under RBI guidelines.
Tax-free interest in India with full principal and interest repatriation — risk-free India investing.
Sovereign Gold Bonds for gold exposure and REITs for regular rental income from Indian real estate.
Adjust the sliders to see the power of systematic investing and how a small monthly SIP can build significant wealth over time.
Move the sliders to personalise your projection
Based on your inputs, here is what your SIP can achieve
Begin your wealth creation journey in four simple steps — no jargon, no complexity, just results.
We partner with India's top AMCs, banks, insurers, and financial institutions to bring you the best products.
Real outcomes from Kolkata investors who have built wealth through our product recommendations.
Started a SIP through Vishwas Financials 6 years ago with just ₹5,000 per month. My portfolio has grown to over ₹6 lakhs and the ELSS saves me ₹45,000 in taxes every year. Best investment decision I ever made.
As an NRI in Dubai, I was nervous about investing in India. Vishwas Financials set up my NRE account, handled all FEMA compliance, and built a diversified MF portfolio. The returns have been exceptional and I have zero regulatory worries.
I invested in their recommended corporate bond ladder for steady income during retirement. The yields are significantly better than my old FDs and my capital is completely safe. Vishwas Financials truly understands conservative investors like me.
Common questions about our investment products. For personalised guidance, reach out directly.
Ask Us DirectlySIPs start at as low as ₹500 per month. Lump-sum mutual fund investments begin at ₹5,000. For Portfolio Management Services, SEBI mandates a minimum corpus of ₹50 lakhs. There is no minimum for a free consultation — we believe great advice should be accessible to all.
We never recommend a single fund in isolation. After understanding your risk profile, investment horizon, tax situation, and specific goals, we build a portfolio of carefully selected funds across categories. Our recommendations are research-backed, goal-linked, and regularly reviewed. There is no one-size-fits-all answer — and we refuse to treat it as one.
Your mutual fund investments are held directly with the AMC in your name — not with us. They are regulated by SEBI and protected by the full regulatory framework. Market downturns are a normal part of investing — our role is to ensure your portfolio is structured to weather them and your SIPs actually benefit from them by buying more units at lower prices (rupee cost averaging).
Yes. Most open-ended mutual funds allow redemption on any business day. Proceeds are credited to your bank account within 1–3 business days. ELSS funds have a mandatory 3-year lock-in. Closed-end funds have a fixed maturity. We always factor liquidity needs into our recommendations so you are never locked into something you cannot exit when genuinely needed.
Equity fund gains held more than 1 year are Long Term Capital Gains (LTCG) taxed at 12.5% above ₹1.25 lakh per year. Short term gains (under 1 year) are taxed at 20%. Debt fund gains are added to income and taxed at slab rate. ELSS provides ₹1.5L deduction under Section 80C. We factor all of this into our planning to maximise your post-tax returns.
Online platforms give you access to products. We give you a strategy, a plan, and a relationship. Direct investing without expert guidance often leads to panic selling in downturns, wrong fund selection, no tax planning, and no goal alignment. Our value lies in the complete financial plan, ongoing monitoring, behavioural coaching, and ensuring every product you hold has a specific purpose in your portfolio.
Get a free, no-obligation investment consultation with our Kolkata-based experts.
Our investment advisors will contact you within 24 hours to answer all your questions and help you choose the right products.
Kolkata, West Bengal, India
Mon–Sat: 10:00 AM – 6:00 PM
Our experts respond within 24 business hours.