Beyond Mutual Funds
At Banconus, we empower your financial future with a curated suite of sophisticated solutions: alternate funds for diversified high-growth opportunities, Portfolio Management Services (PMS) for personalized, expert-driven strategies, insurance solutions to safeguard your legacy, and specialized taxation services to optimize your returns. Whether you’re seeking aggressive growth, risk mitigation, or tax efficiency, our offerings are designed to align seamlessly with your unique goals and risk profile
From every angle, Banconus has you covered.
Taxation Services
AIF (Alternative Investment Funds)
Step into the exclusive world of alternative investments typically reserved for sophisticated investors. AIFs unlock access to private equity, venture capital, real estate projects, hedge funds, and emerging startups – opportunities that traditional mutual funds simply cannot offer.
With a minimum investment threshold of ₹1 crore, AIFs are designed for high-net-worth individuals seeking portfolio diversification beyond conventional asset classes. These funds invest in infrastructure projects, distressed assets, early-stage companies, structured products, and specialized debt instruments. The beauty of AIFs lies in their flexibility – fund managers can pursue unique strategies, take concentrated positions, and adapt quickly to market opportunities without the regulatory constraints that bind traditional mutual funds.
Categories include:
Category I: Venture capital and infrastructure funds focusing on socially viable sectors.
Category II: Private equity, debt funds, and funds of funds for sophisticated strategies.
Category III: Hedge funds employing diverse trading strategies, including derivatives.
While AIFs typically have longer lock-in periods (3-5 years), they offer potentially higher returns for investors comfortable with illiquidity and higher risk. Perfect for those looking to diversify beyond public markets and participate in India’s growth story through private investments.
Portfolio Management Services
For discerning high-net-worth investors, Portfolio Management Services (PMS) in India offer a highly personalised and sophisticated approach to wealth management. Unlike mutual funds, a PMS gives you direct ownership of securities in your own Demat account, with all investment decisions expertly managed according to your specific financial goals, risk appetite, and preferences. Regulated by SEBI, PMS is designed for investors with a minimum investment capital of ₹50 lakh.
Types of Portfolio Management Services:
- Discretionary: The portfolio manager takes full control and makes all investment decisions on your behalf, ideal for hands-off investors who trust expert judgment.
- Non-Discretionary: The manager provides investment advice, but the final decision to approve or reject trades rests with the client. This suits experienced investors who want to stay actively involved.
- Advisory: The manager offers research-backed recommendations, but the client is responsible for executing the trades. This model provides guidance while giving maximum control to the investor.
Key Advantages of PMS:
- Expert Management: Access to seasoned professionals and in-depth research provides an edge in navigating complex markets.
- Customised Strategies: Portfolios are built to align with your unique financial goals, risk tolerance, and tax situation.
- Transparency and Control: With direct ownership of securities, you have full visibility into your holdings and performance.
- Risk Management: Portfolio diversification and systematic rebalancing help protect and grow your wealth.
Insurance Solutions
Effective financial planning is incomplete without a robust insurance strategy. Insurance planning is the foundational element that safeguards your family’s future and your financial stability against unforeseen events. It is not just an investment, but an essential protective shield, ensuring that life’s unexpected turns do not derail your long-term goals.
We offer insurance solutions for for managing risk and protecting your assets. Our insurance plans provide a safety net that can help you and your family navigate unexpected challenges, such as illness, injury, or death. By having adequate insurance coverage, we help to ensure that your financial goals remain on track, even when faced with difficult circumstances.
Here is a look at two key types of insurance:
Term Insurance
Term insurance is the purest and most essential form of life insurance, providing a financial safety net for your loved ones in the event of your premature death. It offers substantial coverage (sum assured) for a specific term or period, typically at a much lower premium than other types of life insurance. Its primary purpose is income replacement, ensuring your family can maintain their lifestyle, cover daily expenses, pay off debts like a home loan, and meet future financial goals even in your absence. Term plans have no investment component, focusing purely on protection, making them a cost-effective way to secure significant life coverage.
Health Insurance
Health insurance is a critical component of modern financial planning, protecting you and your family from the soaring costs of medical treatments and hospitalisation. It covers expenses such as hospital room charges, doctor consultations, surgical fees, medications, and sometimes even pre- and post-hospitalisation care. A good health insurance policy provides financial relief during medical emergencies, ensuring you have access to quality healthcare without depleting your savings or compromising your financial stability. Policies often offer benefits like cashless treatment at network hospitals and tax benefits under relevant sections of the Income Tax Act.
