Home loan is a lump sum amount of money borrowed from any financial or banking institutions to buy a house. Home loan consists of two types of interest rates named as fixed and floating interest rates. As per the chosen interest rate, consumer repays the loan in form of EMIs for the desired tenure.

The ownership of a house is one of the key signs of success among the fast-growing Indian middle class. As the income of the average Indian family increases, there has been a continuous increase in the desire to own a house and this has led to consistent increase in the property prices over the last few years. This is true for not just the big cities but also for smaller cities across India. This unbridled price rise has made it near impossible for the common man to purchase their home through just savings.


Daksh Financial services has tie-ups with all Asset Management Companies (AMCs) and all mutual funds schemes are part of the product basket. We can offer any mutual fund scheme to our client from day one of their association with us. The investors have a single window access to any mutual fund product / scheme they would like to access.

A mutual fund is a pool of funds collected from multiple investors which invests in assets like stocks and bonds. Mutual funds are managed by Asset Management Companies (AMCs). Each AMC will typically have several mutual fund schemes. The total size of the mutual fund industry in India crossed Rs 23 lakh crore in 2018.

Why mutual funds

Liquidity: You can buy and sell most mutual funds on any business day. This is unlike bank fixed deposits, PPF or Insurance Policies.

Diversification: A mutual fund gives you exposure to a basket of stocks and bonds at a very low cost. If you had to buy them directly, you would need to invest a much larger sum of money.

Low Cost: Mutual fund expense ratios are typically 1.5-2.5% of your investment. This amount pays for fund administration, fund manager fees and much else. This is possible because these costs are spread between hundreds of different investors.

Transparency: Mutual funds are tightly regulated by the Securities and Exchange Board of India (SEBI) and their NAV (Net Asset Value) is disclosed on a daily basis. Their portfolios are also disclosed each month and various other details about are available in the public domain.


Personal loan is a short to medium term unsecured loan granted to an individual. It is commonly used to meet such financial needs as debt consolidation, wedding expenses, unexpected medical costs, home renovation and others. Flexibility of usage, minimal documentation and quick processing make personal loan a preferred financing option. Unlike other loans, it usually has a shorter repayment tenure ranging from 1-5 years. Depending upon the individual applicant’s profile and lender, the APR (Annual Percentage Rate) of a personal loan may vary from 11.29% to 35%.


As a licensed insurance broker by IRDA, seeks to provide customers with comprehensive solutions catering to their insurance needs.

At the heart of DFS  Insurance is the strong vision for continued financial well-being for customers – individuals and families, regardless of any circumstances. The key is to offer ‘right’ advice which is unbiased and customer centric and encompasses the right risk to insure, the right coverage, the right product and at the right time. The idea to offer clients with comprehensive solutions extends further to cover quality claim settlement and other services.

Daksh Financial Services offers a comprehensive basket of products both in life & non-life insurance space and makes exhaustive use of technology to deliver great value to customers.


Motor Insurance was created to protect you from unexpected and unlikely events. Motor insurance is the smartest way to financially secure yourself and your car.

Third Party Liability Coverage

This compensates the damages to a third party and their property. It’s best for those planning to insure their car just because it’s mandatory (but we wouldn’t recommend that!).

The quote that you get for TP cover is the sum of its components which include:

  • The basic third-party premium
  • Premium for Personal Accident Owner Driver Cover – Rs. 100
  • Goods and Service tax – 18%

The basic premium for third-party depends on the cubic capacity. These rates are revised each year by IRDA. From 1st April, 2017, the third-party insurance rates are:



Health insurance is a type of insurance that fully or partially covers an individual’s medical and surgical expenses. It’s an agreement between you and your insurance company, where for an annual premium, the insurer pays for your hospitalization and other medical expenses as mentioned in your policy.


This provides for the hospitalization expenses you might face in case of accidents, day-care procedures, surgical treatments or critical illnesses. However, the features, limits and sum assured will vary from insurer to insurer.


Similar to top-ups for mobile network services, this adds supplementary coverage to your existing health plan. The aim is to increase overall sum assured with its corresponding coverage by paying a relatively lower premium.


An accident can occur anywhere, at your workstation, at road or even at home and resulted in death or injury to you. Due to this, you or your beloved family may face financial crisis. Due to the uncertainty of accidents, we are offering Personal Accident Insurance policy with extensive benefits that will help you ease o‑ just in case one occurs. This insurance will provide cover against death and disablement (Permanent/Partial/Temporary) from accidental bodily injury.

The first and prior thing that lead us to buy personal accident insurance is the safety and protection. We heard of road accidents almost every day and that’s why it is important to


Businesses need ample amount of investment to fund for start-up expenditures or pay for business extensions. For such purposes, companies take out business loans for their financial assistance. It is a debt which a company is obligated to pay back within a specific tenure according to the terms and conditions of the granted loan. Start-up Business loans can be taken for a variety of essential requirements like starting up a new firm, business expansions, dealer and vendor financing

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