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Vemuri Financial Solutions
A balanced plan for every life stage

Protect today. Grow for tomorrow.

Build a resilient financial plan that shields your family from risks and consistently grows your wealth. We blend protection(Term & Health Insurance) with creation(Mutual Funds & NPS), plus focused goals like Children’s & Retirement planning.

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₹10k → ₹1 Cr*
Long-term SIP potential
2 pillars
Protection+Creation
100%
Goal-based approach

*Illustrative, not guaranteed. Market-linked & subject to risk.

Emergency Fund— 6–12 months expenses
Risk Cover— Term life 10–15× annual income
Health Cover— Family floater+top-up
Wealth Engine— MF SIPs+NPS (Tax)

Sequence matters: secure the downside first, then scale investments.

Two Pillars of a Solid Financial Plan

Balance risk management with growth compounding.

Wealth Protection

Protect your income, health, and goals from shocks.

  • Term Insurance— Low-cost pure protection to cover liabilities & future income.
  • Health Insurance— Family floater+super top-up for large medical bills.
  • Emergency Fund— Liquid or money market funds for quick access.

Wealth Creation

Grow your money tax‑efficiently for long-term goals.

  • Mutual Funds (SIP)— Diversified equity for compounding & goal-based buckets.
  • NPS— Extra tax benefit (Sec 80CCD(1B))+disciplined retirement corpus.
  • Hybrid/Debt— For stability, parking, or near‑term goals.
Rule of thumb:Build emergency fund → Buy term & health cover → Start/scale SIPs → Add NPS for tax & retirement.

Solutions & Use‑Cases

Pick what you need now—add more as life evolves.
Wealth Creation

Mutual Funds (SIP)

Start with diversified equity index/active funds. Align each SIP to a specific goal—education, house, or retirement.

  • Automate monthly investing
  • Top-up SIP annually to beat inflation
  • Use debt/hybrid for short horizons
Protection

Term Insurance

Pure life cover to protect dependents. Choose adequate sum assured and keep nominee details updated.

  • 10–15× annual income coverage
  • Cover until planned retirement age
  • Disclose health & lifestyle honestly
Protection

Health Insurance

Safeguard savings from medical costs with a family floater and high-deductible top-up.

  • Cashless network hospitals
  • No-claim bonus & restoration
  • Consider OPD & maternity as needed
Retirement & Tax

NPS (National Pension System)

NPS adds an extra tax deduction under Sec 80CCD(1B) up to ₹50, 000 and builds a disciplined retirement corpus.

  • Choose active or auto choice
  • Low-cost equity & debt exposure
  • Lock-in till retirement encourages discipline
Goal Planning

Children’s Education Planning

Map current costs to future value, then back-calc SIP needed. Use equity for long horizon; debt for near-term.

  • Inflation-adjusted goal values
  • Dedicated goal-based funds
  • Annual review & rebalancing
Lifetime Goal

Retirement Planning

Combine NPS+MF SIPs for growth, then shift to income strategies near retirement.

  • Target corpus with SWP plan later
  • Glide path: equity → hybrid → debt
  • Tax-aware withdrawal strategy
Instant Liquidity

Loan Against Mutual Fund

Unlock liquidity instantly by pledging your mutual fund investments without selling them.

  • Lower Interest Rates.
  • Quick & Hassle-Free Processing.
  • No Impact on Investments.
Safe & Accessible

Emergency Fund

Build a financial cushion for emergencies with liquid & arbitrage mutual funds that ensure quick access to your money.

  • High Liquidity – withdraw anytime.
  • Better returns than Savings Account.
  • Low Risk & Safe investment.
Diversified Growth

Diversified Asset Allocation Approach

Invest across equity, debt, and gold for balanced returns with lower risk.

  • Diversification across multiple asset classes.
  • Reduces overall portfolio volatility.
  • Potential for stable, long-term growth.

Quick Comparison

Each product solves a specific job. Mix wisely.
Product Primary Purpose Best For Time Horizon Liquidity
Term Insurance Income protection Dependents, loans Until retirement Claim on event
Health Insurance Medical cost cover Family protection Ongoing Cashless claims
Mutual Funds (Equity) Wealth creation Long-term goals 5–15+years High (T+2)
NPS Retirement+tax Tax-efficient corpus Until retirement Restricted (lock-in)
Debt/Hybrid MF Stability & parking Short to medium goals 3 months – 3 years High (T+2)

Note: Returns are market-linked or policy-specific; read scheme documents & policy wordings carefully.

Frequently Asked Questions

Short answers to common doubts.

Why start with protection first?

Insurance prevents a single event from derailing your goals. After a safety net is in place, you can invest aggressively for growth.

How much term cover do I need?

A practical range is 10–15× annual incomeor a human‑life‑value method that covers liabilities+future goals.

Are mutual fund returns guaranteed?

No. They are market‑linked. Use asset allocation and a long horizon to reduce risk, and review annually.

Is NPS better than mutual funds?

They serve different purposes. NPS shines for tax+retirement discipline; MFs give more flexibility and liquidity.

SIP & Top-up Calculator

Estimate future value of monthly SIPs with yearly top-up fixed amount and expected annual return (CAGR).
Result will appear here.
Formula: monthly SIP invested with yearly top-up; returns compounded monthly based on annual CAGR.

SWP Calculator

Estimate the future value of monthly SWP withdrawals for a fixed amount based on the expected annual return (CAGR).
Result will appear here.
Formula: Monthly SWP withdrawals are calculated based on the selected withdrawal amount, and the returns are provided according to the chosen amount.

FD Calculator

Investment amount, interest rate, tenure, compounding frequency.
Result will appear here.
Formula: Simple FD Calculator with inputs for investment amount, interest rate, tenure, and compounding frequency.

What Clients Are Saying

Start Your Plan

Share basic details and we’ll tailor a plan to your goals.
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What you’ll get

  • Personalized coverage & investment plan
  • SIP suggestions with top‑up strategy
  • Tax‑efficient allocation (incl. NPS)
  • Annual review & rebalancing roadmap
View FAQs

SEBI: Mutual Fund investments are subject to market risks. IRDAI: Insurance is a subject matter of solicitation. Read all scheme documents and policy wordings carefully.