WEALTH MANAGEMENT
- Tigress Capital endeavors to create wealth for our clients
- We have a disciplined and systematic approach to creating and managing wealth for our clients
- We strive to provide clients long term goals and advise, as their long term growth is inherent to Tigress Capital’s long term future
- Our focus is to provide products that have great value to our clients and they provide growth to our client’s portfolio
- Our approach is research driven, and we believe in educating and ensuring clients make informed and well studied decisions
- High Returns and Wealth Creation is a product of diligence, discipline, long-term focus and hard research that we dedicate ourselves to at Tigress Capital
WEALTH MANAGEMENT
- Saving Plans
- Unit Linked Ins. Plan (ULIPs)
- Retirement Plans
- Term Insurance
INVESTMENTS
MUTUAL FUNDS
What is a Mutual Fund?
Mutual Funds are investment instruments that pool money from investors to create a portfolio of market securities (equities, bonds, commodities, derivatives) that is professionally managed to create long term capital gains and income for investors.
Why invest in a Mutual Fund?
Mutual Funds lower the risk for investors by diversifying their holdings across multiple companies, sectors and asset classes to provide better than market returns. Further, Mutual Funds have inherent tax incentives that allow investors to lower tax liability and generate higher profit in hand.
Why choose Tigress Capital as your advisor on Mutual Funds?
Tigress Capital provides well researched advise on the better performing mutual funds as well as which funds are better suited for the ongoing market conditions. We wish to present mutual funds that provide better returns but also have lower risk and volatility associated with it. Mutual Funds that provide very high returns but are volatile are best avoided. Investors shall find long term wealth in mutual funds that are consistent with a return that beats market returns. Tigress Capital is constantly researching on better mutual funds for better risk adjusted returns for our investors.
To Invest In Mututal Funds
To Know Our Recomended Fund
Portfolio Management Service
What is a Portfolio Management Service (PMS)?
Portfolio Management Service is a service offered by SEBI registered Portfolio Managers to manage securities holdings of (HNI) High Networth Individuals (Portfolio of Rs.50 Lakhs and above). These are customized as well as standard portfolios that are dedicated to providing returns better than market. They have the flexibility of choosing diverse set of strategies to achieve returns for investors, and have the ability to maneuver market conditions better than traditional Mutual Fund managers
Why Choose PMS?
PMSs are instruments for individuals who wish to invest in Direct Equities and other market securities but don’t have the time or the expertise to carry that out. Professional Portfolio Managers assist these individuals in choosing the right portfolio mix and creating long term wealth opportunities. Further, they can be customized to individual needs and have the flexibility to take opportunity of market conditions, which could translate into much higher returns for investors. PMS attracts long term capital gains tax of 10% if held for more than 1 year, and a short term capital gains tax of 15%, which is lower than other asset classes.
To Invest In The Right PMS
Why choose Tigress Capital as your advisor on PMSs?
Tigress Capital carries out in-depth research on the consistent and better performing PMSs. Further, given the innumerable PMSs in the market today, an investor is unaware of which PMS is better suited to their needs, and Tigress Capital ensures that investors find the right PMS product that matches their risk appetite and consistently delivers in performance and creates long term wealth. We have relationship with top PMS managers as well as the customized and niche money managers, in order to provide a wholesome choice and service to our clients.
Alternative Investment Funds
What are Alternative Investment Funds (AIFs)?
AIFs are privately pooked investment vehicle for Ultra High Networth Investors (Investment of Rs.1 cr and above) for investments in securities with a pre-defined investment policy and are under the SEBI regulation (AIF) of 2012. AIFs allow investors to diversify their portfolios from traditional stocks and bonds into high yielding asset classes that are not easily accessible to regular investors. There are three categories of AIFs allowed by SEBI:
Category I: Venture Capital Funds that invest in startups, social enterprises (Social Funds), SMEs and other green field projects (Infrastructure funds) and they may constitute Debt as well as Equity investments in these assets
Category II: Private Equity Funds that invest into public companies in the primary market (i.e instead of buying their equities or bonds in through the exchange, the companies issue these securities to the AIF for private placement).
Category III: Hedge Funds that invest into market securities through exchanges and are allowed to leverage their funds (unlike Category I and II Funds)
Why choose an AIF?
Choosing an AIF allows an investor to have specialized investments that are professionally managed and provide returns that are excessive to market, as well as allowing investors to access asset classes that are not available to public investors in general. Further, the tax treatment of these AIFs are different from other funds (Mutual Funds and PMS) allowing investors to keep more of their profits due to certain taxation laws on these AIFs. AIFs are uncorrelated to the stock market even though some AIFs invest in market securities allowing investors to hedge their investment portfolios. Also, the AIFs allow much greater diversification of portfolio for investors as AIFs invest in assets like Real Estate, Art, Wine and other assets that are not normally available in form of paper assets to investors.
Why choose Tigress Capital as your advisor on PMSs?
Information on AIFs is not easily available and they require dedicated research into AIF fund managers and their performance history in order to make the right choice on the investment. Tigress Capital carries out this research for our investors and is thorough in analyzing and evaluating the right AIF investment for you. We ensure that when you invest your large sums of money into these pooled investment vehicles, your money is in safe hands and you are earning a high return on your investments for the long-term.
To Invest In AIF
Direct Equities
Do you want to invest in Equities, Futures & Options, Currencies and Commodities?
Tigress Capital is a Registered Research Analyst and shall provide you in-depth research on the best securities to invest into.
- We shall make the process simple, and provide you the platform and the research for you to generate good risk-adjusted returns.
- Through our research and access to market, you shall be able to generate regular trading profits. We shall provide our perspective on the Economy, the Markets, Company Profitability and give our recommendations.
- Our research extends to International Securities as well as Indian Securities.
- We provide access to our investors to the Domestic Markets as well as International Markets providing a
complete risk diversification and ensuring our investors don’t miss any opportunity to generate returns
on their assets.
- Angel One is not a traditional broking house, they are a fintech company, allowing investors to develop algorithms or choose tailor-made algorithms for generating high trading profits
- Angel One platform is one of the quickest in the market, with trades happening in real-time and no time delays.
- Angel One trading platform and mobile application have had the least amount of technical issues since 2019 and have maintained the best standards for their clients
- Angel One has the lowest brokerage rates in the market, and we shall ensure that we provide better service and pricing than your existing broking house
- Tigress Capital shall ensure that any service gaps that you may face is filled as your dedicated sub-brokers.
To Invest in Direct Equity and other Market Securities
Bonds
Why invest in Bonds?
Bonds are debt instruments that provide income as well as capital appreciation for investors. Their riskiness is lower than Equities and equity funds, allowing investors to maintain a safe investment portfolio and regular income. Further, these Bonds are tradable, allowing investors to redeem their investments at any time, allowing them to have liquidity at any time of their investment life.
Bond Quotes:
Tax Free Bonds – Investors of these bonds don’t pay tax on the interest earned:
Indicative Quotes
To Invest In Bonds
Government Bonds (G-Secs):
These bonds are issued by Government of India and are the safest bond investments in the Indian market
Indicative Quotes
To Invest In Bonds
Corporate Bonds:
These bonds are issued by different corporate entities - PSUs and private entities. One must look at the credit rating before investing.
Indicative Quotes
- Principal Payment in parts through partial payments before Maturity Date
- ^ State Guaranteed Bonds
To Invest In Bonds
Fixed Deposits
Fixed Deposits are the most common investment instrument in India, as investors seek safety and regular income which fixed deposits fulfill. Further, Fixed Deposits are good hedges in a volatile market environment as they are not governed by market movement (like Equities and Bonds).
Further, they allow investors to choose different interest payments (monthly, quarterly, semi-annually, annually and compounded payment at maturity)
Tigress Capital advises on the following Fixed Deposits:
* Rates have special tenor
** Shriram Finance offers special incentive of 0.1% for Women Depositers
*** The above rates are subject to change
To Invest In Fixed Deposit
RBI Floating Rate Bonds
RBI Floating Rate Bonds are a good investment option in the current rising interest rate scenario. As inflation is rising, and RBI continues to increase Repo Rates for banks, the bond yields are rising. Higher yields translate to lower bond prices, thus a floating rate bond by RBI hedges that risk for investors by paying a floating rate (as opposed to a fixed rate set by regular bonds and fixed deposits). These bonds are the safest fixed instruments for individual investors, and have an attractive yield in comparison to other similar sovereign investments.
Terms:
Eligibility: Individuals / HUF
Age Limit: None
Minimum Investment: Rs.1,000
Maximum Investment: None
Interest Rate: NSC Rate + 0.35%
Tenor: 7 years
Lock-in: Depending on age of investor (Early redemption allowed for senior citizens)
0-60 Years: 7 Years
60-70 Years: 6 Years
70-80 Years: 5 Years
Above 80 Years: 4 Years
Capital Gains Savings (54EC)
Bonds
Capital Gains Savings (54EC) Bonds were introduced for investors who incur Long Term Capital Gains (sale of land or property after holding for more than 2 years). Under Section 54EC of the Indian Income Tax Act, investors can avail a deduction of up to Rs.50 Lakhs per year of Long Term Capital Gains from sale of land or property by investing in the Capital Gains Savings (54EC) Bonds.
Capital Gains Savings Bonds are issued by four PSU entities:
1. Rural Electrification Corporation (REC)
2. Power Finance Corporation (PFC)
3. Indian Railway Finance Corporation (IRFC)
4. National Highway Authority of India (NHAI)
Terms of the Capital Gains Saving (54EC) Bonds:
Tenor: 5 Years
Lock-in: Entire period of the Bond (5 Years)
Rate of Interest: 5.00%
Taxation: Interest is Taxable
Redemption: Auto-redemption after 5 Years
Rating: AAA
Min Investment: Rs.10,000 (1 Bond)
Max Investment: Rs.50,00,000 (500 Bonds)
Tenor: 5 Years
Lock-in: Entire period of the Bond (5 Years)
Rate of Interest: 5.00%
Taxation: Interest is Taxable
Redemption: Auto-redemption after 5 Years
Rating: AAA
Min Investment: Rs.10,000 (1 Bond)
Max Investment: Rs.50,00,000 (500 Bonds)
Sovereign Gold Bonds
Sovereign Gold Bonds issued by RBI, on behalf of Government of India, are Bonds denominated in grams of Gold and are government securities with a Sovereign Rating.
They are an alternative to investing in Gold as a commodity by buying physical Gold. In other words, Government of India along with RBI has come up with a scheme to allow investors who are interested in buying Gold for the purpose of investment, to buy the paper form of Gold, in form of Sovereign Gold Bonds (SGBs), instead of buying physical Gold.
There are certain advantages to buying the Sovereign Gold Bonds as compared to physical Gold, as storing physical Gold can be expensive, while the SGBs are held in the Demat Account. Further SGBs also pay interest, where Government of India shall pay 2.50% per annum of the invested value of the SGB. Below are the Terms of the Sovereign Gold Bonds:
Terms:
Eligibility: Individuals / HUF / Trusts
Minimum Investment: 1 Gram
Maximum Investment: 4 Kgs for Individuals/HUF
20 Kgs for Trusts and similar Entities
Interest Rate: 2.50% of the invested value payable semi-annually
Tenor: 8 years
Redemption: Redeemable after 5 Years during the new issuance of SGBs.
Pledgeable: SGBs are pledgeable and is subject to approval from the financing bank
Eligibility: Individuals / HUF / Trusts
Minimum Investment: 1 Gram
Maximum Investment: 4 Kgs for Individuals/HUF
20 Kgs for Trusts and similar Entities
Interest Rate: 2.50% of the invested value payable semi-annually
Tenor: 8 years
Redemption: Redeemable after 5 Years during the new issuance of SGBs.
Pledgeable: SGBs are pledgeable and is subject to approval from the financing bank
Investors who wish to invest in Sovereign Gold Bonds through Tigress Capital shall get a rebate of Rs.50 per gram on the quoted price by Government of India.
Pre-IPO (Unlisted) Shares
Investors have always had interest in buying a stake in new companies. They wish to invest companies that are not listed on the stock exchange but they are all around us (for eg: OLA Cabs or OYO Hotels).
Tigress Capital provides investors the opportunity to be able to buy these unlisted shares, and make gains when they list in the IPO. Investors also have the ability of selling them before the IPO in the Unlisted market.
Below are the list of Unlisted Shares and their prices:
Indicative Quotes
Real Estate
Does Tigress Capital advise on Properties to buy?
No. Tigress Capital is a securities firm, and only advises on securities. However, investors today, need not buy Real Estate in the physical form, but there are other investment vehicles that allow investors to have access to the Real Estate without actually buying the physical property/land.
REITs: Real Estate Investment Trust are a pooled investment vehicle (fund) that invest into properties, and other real estate investment. The real estate investment yields rental yield as well as capital appreciation upon the sale of the investment. Investors get return in proportion of the invested amount and enjoy the high returns of real estate without having to own the real estate and undergoing the time and cost of maintaining and putting the real estate up for rent etc.
Fractional Ownership: REITs are usually in the form of AIFs and are only investible by Ultra High Networth Individuals (Investment of Rs.1 cr or above). However, for small investors, there are options of having exposure to real estate investments with a smaller amount (Rs.5,000 or more). Fractional Ownership allows investors to own a fraction of the real estate investment and enjoy the high rental yield as well as capital appreciation.
Tigress Capital has many real estate opportunities available for their investors.
National Pension Scheme
What is National Pension Scheme?
National Pension Scheme (NPS) is a predefine contribution pension system introduced by Government of India. NPS is a voluntary retirement savings scheme laid out to allow subscribers to make contribution towards planned savings thereby securing future retirement in the form of Pension. At the time of retirement age (60 years), the subscribers can withdraw the whole amount or withdraw partially in order to secure their retirement.
What are the benefits of subscribing to National Pension Scheme?
- Low cost – The pension scheme has the lowest administrative and fund management fees in the world
- Simple, Easy & Portable – All applications can be done online and in a few minutes your account shall opened. The accounts can be accessed from anywhere, one just requires internet access.
- Flexible – The subscriber can choose their investment option or let the Scheme choose the best fund to get the best returns
- Tax Benefit
- Employee Contribution: Subscriber is eligible for a tax deduction up to 10% of Salary under 80 CCD(1)
- Employer Contribution: Subscriber is eligible for a tax deduction up to 10% of Salary under 80 CCD(2)
- Rs.1.5 Lakhs per annum is deductible against taxable income under 80 CCE over and above the deductions allowed under Employee and Employer Contribution.
To Open NPS Account
LOANS
Tigress Capital arranges following loans for individuals:
- Health
- Vehicle
- Travel
- Home
- Cyber
- Shop
- Business
- Saving Plans
- Unit Linked Ins. Plan (ULIPs)
- Retirement Plans
- Term Insurance
- Health
- Vehicle
- Travel
- Home
- Cyber
- Shop
- Business
- Saving Plans
- Unit Linked Ins. Plan (ULIPs)
- Retirement Plans
- Term Insurance
Home Loans
Home Loans are a secured financing to buy a property. This loan can be used to:
- Buy land for your property
- Construct a property on existing land
- Refinancing existing home loan
- Top-up existing home loan for additional financing to renovate or any other purpose
Key Features
- Home Loans provide funding up to 85% of the purchase value / project cost
- Moratorium (or repayment holidays) for up to 36 months is available
- Can get home loans for large amounts (eg: Rs.15 cr) depending upon the financial ability and property value
- Top-up loans are available in the case of additional expenditure of the project/purchase of property, or in the case the Borrower attains better eligibility during the tenor of the loan.
- Loan tenors of up to 30 years, lowering the EMI liability and giving more flexibility for the Borrower.
- Customized Home Loan solutions are available to ensure the Borrower achieves their financial requirement
Click To Get Home Loan
Loan Against Property
Loan Against Property (LAP) are loans provided by pledging existing property. This loan can be used for several purposes: Personal use, Business expansion, higher education for children, marriage expenditure.
Key Features
- Loan against property of Residential or Commercial Properties
- Site or open Land mortgage available
- Loan against purchase or development of Agriculture land
- Loan to Value of up to 75% of the property value
- High tenors of up to 15 years
- Refinancing of existing Home Loans/Loan Against Property at low interest rates
- Loan available for self-employed
- Loan can availed for fulfilling personal needs
- Loan can be availed in the form of Overdraft or Term Loan Facility
To Apply For A Loan Against Property
Loan Against Seurities
Loans against share/bonds/mutual funds/sovereign gold bonds (or other paper instruments) are available for investors to generate surplus liquidity and can be used for general purposes (personal/business financing needs).
Key Features
- Loan against Mutual Funds, Demat Shares, Bonds, Sovereign Gold Bonds are available
- Loan to Value is dependent on securities pledged. Equities have an LTV of 50% of share value, while bonds can provide a Loan of 80% of bond value
- Low interest on Loans against securities
- Loans are of shorter tenor with the flexibility of drawing down smaller portion of the sanctioned amount
- Interest is calculated only on drawdown amount
To Apply For A Loan Against Securities
Loan Against Gold
Loan against physical gold can be availed to meet liquidity requirements (personal, business or agriculture)
Key Features
- Loan to Value of up to 75% of the gold value
- Flexible repayment options through EMI or bullet (lumpsum) repayment
- Overdraft Facility is available against Gold
- Lowest interest rate offered on Gold Loans
- Tenors are flexible depending upon requirement of the Borrower
To Apply For A Loan Against Gold
Loan Against Insurance Policy
- One can avail loans again insurance policy that have a fixed maturity benefits.
- For example, one can avail a loan against insurance plans that provide guaranteed income at the end of maturity for the policy holder.
- These loans can be availed once the policy has attained a surrender value.
- Loans against Insurance Policy have similar features to Loans against Securities
To Apply for a Loan Against Insurance Policy
INSURANCE
Tigress Capital advises on Insurance for our clients. Insurance is broadly of two types:
Insurance policies are taken to cover risk eventuality (for eg: death, hospitalisation, fire, or loss of property etc.).
Some insurance policies have a savings component to them providing guaranteed returns, money back plans and market linked returns to investors along with a life cover.
Life Insurance
General Insurance
Cover
Cover Lifes
Cover Non-Life Assets
Term
Long terms with several premiums paid annually
Generally annual terms, which is renewed every year
Claim
Generally annual terms, which is renewed every year
Claimable upon eventuality (like fire, accident, loss of property or loss of health etc.)
Saving Instrument
Some policies have a saving component
These policies are purely to cover for eventuality
LIFE INSURANCE
Tigress advises on the following Life Insurance policies
Life Insurance - Saving Plan
Savings Plans is designed to ensure disciplined and systematic savings to achieve one’s financial goals. Savings Plans are primarily life insurance products, but provide a steady return on savings for individuals.
Key Features
- Maturity Benefits – Savings plans have an assured maturity benefit, providing certainty to your cashflows
- Steady Returns – Savings Plans provide steady and safe returns in comparison to market linked instruments.
- Flexible Premium Payments – Premium Payments are flexible (i.e you can pay monthly, quarterly, semi-annually or annually) depending upon your needs and convenience
- Life Cover – All saving plans have a life cover, providing saving assurances as well as financial security to your family
Benefits
- Financial Protection – The Savings Plan provides financial protection to your family and dependent members by providing life insurance during the tenure of the policy
- Tax Benefits – Savings Plans have inherent tax benefits including deduction under 80C and returns are tax free under 10(10D) of the Income Tax Act. Meaning the premiums are tax deductible against your income and when you receive your income after maturity of your premium payments, you shall receive Tax Free income
- Retirement Savings – Savings Plans are designed for creating income during your retirement and provide a sizeable amount for you to retire comfortably.
Click To Invest In A Saving Plan
Life Insurance - ULIPs
Unit Linked Insurance Plans are market linked investment plans that also provides life insurance cover in the case the investor passes away. It allows investors to grow their money while protecting their family in the case investor expires. The ULIP policy pre-specifies the payout in the case of death, and in the case the investor survives the term of the policy, the policy pays the maturity value of the ULIP.
Different Types of ULIPs
- Equity Funds – Equity Fund ULIPs invest in Equity. Returns are linked to the performance of the shares invested by the Equity Fund Manager. Over the long term, Equity Fund ULIPs provide high returns, while in the short term, the returns can be volatile.
- Debt Funds – Debt Fund ULIPs invest in Fixed Income instruments like Bonds, NCDs etc. The returns of Debt Fund ULIPs are stable and provide a low risk profile of investment.
- Balanced Funds – Balanced Fund ULIPs invest in both Equities and Bonds, providing investors a balanced risk profile and balanced returns. The high volatility of equity markets are balanced by the stable returns of debt instruments.
Benefits
- Create a discipline for savings – ULIPs ensure that investors inculcate a disciplined and systematic approach to their investment, which is key for long term financial success and wealth creation.
- Protection – ULIPs provide a protective life cover, which is an added benefit. This provides protection to the family in the investor’s absence.
- Flexibility of Investments – Investors have the option and flexibility to do the following during the term of the policy:
1. Fund Switch – An option to move money between Equity, Debt or Balanced Fund, allowing investments to return in excess to market returns
2. Premium Redirection – An option to redirect your future premiums to Equity, Debt or Balanced Funds as per your choice and views of markets
3. Partial Withdrawal – Investors are allowed to withdraw part of the invested money
4. Top-up – Investors can increase their investments to add to your existing savings - Tax Benefits – ULIPs are eligible for deduction under 80C of the Income Tax Act (i.e up to Rs.1.5 Lakhs per annum. The returns from ULIPs are not taxable under the Section 10(10D) of the Income Tax Act. Switching between ULIP funds also doesn’t attract any tax
- Potential to earn excess returns – ULIP being a market linked instruments, the investors have the potential to earn high returns by investing in the equity and debt linked ULIPs
- Bonuses and Benefit of Staying Invested – By staying invested, not only do the ULIPs provide very high returns. Investors are awarded in the form of Bonuses and Additions, which increase your investment value.
Click To Invest In ULIP Plan
Life Insurance – Retirement Plans
Retirement Plans are annuity plans, specially designed to meet retirement goals of individuals, be it meeting living expenses, medical expenses, goals of travelling the world or pursuing a hobby.
Key Features
- Benefit of Early Retirement Planning – Due to the power of compounding, retirees can avail a high pension upon retirement, if they subscribe to retirement plan early in their lives. The interest earned gets reinvested, providing high annuities to retirees
- Safety and Protection – Retirement plans provide financial support in case of an emergency. Further they provide additional provision in case of critical illness or permanent disability due to an accident.
- Guaranteed income for Life – Upon retirement, the retiree shall get a guaranteed pension income for life.
- Life Cover – Retirement Plans also have a life cover provided. In the case of death of the policyholder, the family shall receive a lump sum amount, keeping them protected financially.
- Tax Benefits – Retirement Plan allow you to deduct the premiums paid from your income under section 80CCC of the Income Tax Act (up to Rs.1.5 Lakhs per annum). Further, the pension received is deductible under 10(10A) of the Income Tax Act, where the retiree can deduct up to 50% of pension income per annum.
Benefits
- Regular Income Post Retirement – The income is guaranteed and lifelong.
- Insurance Cover – This protects your family from any financial burden upon death.
- Tax Benefits – Policyholders can avail tax benefit while paying the premiums, as well as when they receive their pension upon retirement.
- No Risk Return – Retirees receive guaranteed income, without any investment risk that other instruments carry while creating savings for retirement.
- Add other benefits – Retirees can get additi.onal benefits like critical illness or permanent disability cover, to protect themselves from risks of old age.
Click To Invest in Retirement Plan
Life Insurance – Term Insurance
Term Insurance are Life Insurance cover for a certain number of years or ‘Term’. This insurance provides high life cover at low premiums – For example, one can avail a life cover for Rs.1 cr for premium as low as Rs. 485 per month, depending upon the age of the policyholder, and any pre-existing health conditions.
Key Features
- Low Entry Age – Term Insurance plans have a minimum entry age of 18, allowing a person who has just entered adulthood to create a life cover for themselves.
- Long Term Protection – The term plans offer policy tenure of up to 40 years, allowing protection for the long-term.
- Flexible Premium Options – Policyholders can choose to pay premiums monthly, quarterly, semi-annually or annually.
- Adjustable cover – Policyholders can increase or decrease their cover as per their choice
- Liability Protection – The life cover can be used to repay any loans or any other liabilities that the family may have incurred upon death of the Policyholder
Benefits
- High Life Cover at Low Premiums
- Additional Cover – Term Insurances can provide additional benefits in case of Critical Illness, Permanent Disability or Accidental Death.
- Tax Benefits – Policyholders can avail tax benefit under 80C, 80D and 10(10D) of the Income Tax Act.
- No Risk Return – Retirees receive guaranteed income, without any investment risk that other instruments carry while creating savings for retirement.
- Death Benefit – A large sum is paid to your family upon death
- Survival Benefit – Term Plans offer lump sum or guaranteed income after the tenure of the policy, allowing the survivors to also benefit from the investment in Term Plans
Click To Invest In Term Plan
GENERAL INSURANCE
Tigress advises on the following General Insurance policies:
General Insurance – Health Insurance
Health Insurance covers medical expenses for illnesses or injuries. The Health Insurance cover reimburses your medical bills or pays directly to the hospitals/clinics on the policyholder’s behalf. A medical insurance covers Out Patient Department (OPD) charges, cost of hospitalization, daycare, home care, ambulance charges and other expenses incurred due to any health issue.
Key Features
- Covers Out Patient Department Charges – Allowing policyholders to be covered for minor as well as serious health illnesses. This includes doctor consultation charges, medicine bills, routine diagnosis and health check-ups
- Covers hospitalization charges – Including pre and post hospitalization charges, room bills, and even cash payments during the days in hospital
- Covers preexisting illnesses/conditions – Policyholders who have preexisting medical conditions are also covered under Health Insurance
- Family cover – Health Insurance can cover the entire family under a single cover, ensuring that no family member is afraid of visiting their doctors and receiving medical care.
- Cashless cover – Policyholders needn’t pay first and then get reimbursed by the insurance companies, plans are available, where medical bills are paid directly by the insurance company.
Benefits
- Health Protection – Having a health insurance cover does improve your health cover, as you are not bogged by financial expenses in order to receive the best treatment by the best practitioners. Further, there are health insurance covers that cover your medical expenses internationally as well as domestically, ensuring your health is taken care of with any hassle
- Tax Benefits – Health Insurance Premiums are deductible under section 80D of the Income Tax Act. A family can avail up to Rs.1 Lakh of tax exemption under this section
- Hassle free and Cashless claims – Health Insurance covers allow you to walk out of the hospital without spending any money out-of-pocket as bills are settled by Insurance companies. This provides a hassle-hassle-free and seamless hospital visitation and medical care
Click To Secure Health Insurance
General Insurance – Vehicle Insurance
Vehicle Insurance covers damages to cars, two wheelers and other on road vehicles from accidents or natural disasters. Further to covering damages of one’s own cars, the policy also covers liability arising due to an accident involving the policyholder’s vehicle.
Key Features
- Covers Accidental Damage
- Covers Natural Calamities
- Covers Fire, Theft, Riots, Strikes, Terrorist Activities
- Covers Damage while transporting the vehicle
- Covers Third Party Damage & Injury
- Cashless coverage – Any claim shall be directly paid to the vehicle garages
- Customized coverage and affordable premiums
Benefits
- Instant policy coverage – Submit your vehicle details, contact information, choose the policy that suits you and make payment. Your vehicle insurance policy shall be in your inbox
- Zero paperwork – Vehicle insurance can be created online without hassle
- Transfer of no claims to the renewed policy – Vehicle Insurance need to be renewed every year and in a year if there are no claims, the renewed policy shall contain the previous unclaimed years’ coverage with the new policy
Click To Secure Vehicle Insurance
General Insurance – Travel Insurance
Travel Insurance offers financial help in case something went wrong with your travel. It covers a range of scenarios, including medical or dental emergencies, theft of your money, loss of passport or other travel documents, flight cancellation or misplaced baggage
Key Features
- Pandemic Cover – CoVid related coverage including accidents, medical expense due to sickness, trip cancellation, trip interuption or curtailment, automatic extension due to lockdown
- Baggage Cover – Delayed baggage or loss of baggage is covered and reimbursed for during the travel
- Journey Coverage – Coverage for Lost Passport, assistance for travel, Accidental coverage, hijack coverage, coverage for delayed flights, policy extension due to travel delays and cancellation, and reimbursement for cancelled trips
- Medical Coverage – Coverage for medical emergencies, medical evacuations, accidental death, visit by family during medical emergency
Benefits
- Complete protection – A travel insurance provides complete coverage and encompasses all that could go wrong and makes it right through the coverage
- Zero paperwork – Travel insurance can be bought online without hassle or any medical checkups
- Affordable coverage – Travel insurance can be bought for as low as Rs.40 per day for international travel and Rs.25 per day for domestic travel
Click To Secure Travel Insurance
General Insurance – Home Insurance
Home Insurance, or property insurance covers your home from natural calamities, fire, riots, vandalism, terrorism, impact damage (eg. Tree Fall), overflow or bursting of water tanks or pipes, theft among others.
Key Features
- Home Building Cover – Covers building structure of your Home
- Home Content Cover – Covers articles or things in your home
- Optional Cover – Cover for valuable content like jewellery, silverware, paintings, work of art etc. can be covered under optional Add-on cover
- Personal Accident cover – Coverage in case of injury or death to members of home due to the natural calamity
Benefits
- Affordable Premiums – Coverage of Rs.25 Lakhs for your Home can be bought for Rs.500.
- All-inclusive Home Protection – Homes are vulnerable to many risks – natural calamity, theft, fire etc.. Home Insurance provides complete coverage
- Safety of your belongings – Home insurance doesn’t only cover the structure of your home, but also your belongings including expensive electronics, jewelry, home furnishing an décor
- Multiple year policies – Home Insurance can be bought for multiple years, keeping your home safe for many years without the hassle of renewing it every year
- Security for owners and tenants – Home insurance covers homeowners and tenants, and policy shall be customized as per your needs
Click To Secure Home Insurance
General Insurance – Cyber Insurance
Cyber Insurance protects individuals and businesses from internet based risk and risks relating to information technology crimes. For individuals cyber security insurance provides coverage from identity theft, unauthorized transactions, cyber-bullying etc. For businesses, the insurance covers hacking of Network Security of your IT infrastructure, Theft or fraud, business interruptions, reputational damage etc.
Key Features
- Insurance cover for Identity Theft – Losses due to identity theft and costs incurred to restore your identity are covered under this insurance
- Unauthorized Transactions – Covers any direct financial loss resulting from transactions that were not made by the authorized person
- Reputational Loss – Any loss of reputation that occurred due to financial loss leading to reputational damage due to the cyber fraud or expenses in order to restore the reputation is covered under this insurance
- Cyber bullying – Insurance covers fees incurred to recover from any mental stress or trauma undergone due to nefarious cyber activities including consultation expense, recuperation expenses, and cost of relocation if required
- Legal expenses are covered under this insurance
- Data restoration costs are covered under this insurance
- Forensic expenses undergone to restore and resolve the incident is covered
- Cyber Extortion – Any losses due to extortion is covered under this insurance, and expenses incurred to prevent such cyber attacks is also covered
- Consequential Losses – Losses that arise as a consequent to the cyber attack shall be covered under this policy
Benefits
- Comprehensive and customized solution – We provide a comprehensive solution to the cyber risks that our client may incur and ensure that the policy is customized to their needs.
- Affordable Insurance cover – We shall provide cover as per your budget requirement that covers the risks as well as ensures large costs are not incurred to protect oneself from cyber attacks. Premium for Cyber Insurance cover for individual starts at Rs.2/day.
- All devices are covered – All digital devices that are vulnerable to financial losses due to cyber attacks shall be covered by the policy
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General Insurance – Shop Insurance
Shop Insurance / Merchant Cover is a comprehensive policy covering shopkeepers and business owners on losses incurred due damage to structure of the shop, losses of content inside the shop like inventory losses or loss of cash etc. The insurance covers loss incurred due to fire, earthquake, flood, riot, fraud or burglary of cash or inventory etc. The insurance covers both liability incurred as well as compensation for accidents and damages.
Key Features
- Cover for Natural Disasters or Accident – Loss incurred due to damage of building and its contents due to fire, lightening, strikes, riots, storm, cyclone, floods etc. is covered under this insurance
- Burglary – Any loss or damage incurred due to burglary or attempted burglary of contents of the shop is covered
- Transit of Money – Any loss of money due to burglary of cash in the shop or during transit to or from bank/ATM and shop is covered.
- Fraud and Dishonest activities – Any financial loss due to fraud or dishonest activities by employees of shop shall be covered
- Transit of Goods – Losses or damage during transit of goods from warehouse to shop shall be covered under the insurance
- Other coverage – Cheque forgery, Personal Accidents, Public liability (third-party liability), Glass breakage, Damage to Neon Signs, Medical expenses of insured, Employer Liability (damage to employees), and Tenant’s liability shall be covered under this policy.
Benefits
- Comprehensive and customized plans – Tigress Capital ensures that shop and business owners have the right policy that covers the risks as per their requirement without unnecessarily paying additional premium for risk that are not there. A customized solution that comprehends all risks associated to the shop is the right solution that we aim to provide to our clients.
- Affordable Premiums – We ensure that Small and Medium sized shop owners have a secured business at affordable premiums. A Rs.50 Lakhs cover is available for Rs.3,500
- Easy documentation and hassle-free claim process – The documentation process of securing a policy and the process of claiming damages is smooth without any inconvenience to our client.
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General Insurance – Business Insurance
Tigress Capital provides comprehensive Business Insurance solutions to our clients. We advise on the following insurance for Businesses:
- Group Health Insurance – Insurance cover for employees and staff
- Workmen’s compensation Insurance – Cover for any liability arising due to injury or accident (including death) at workplace
- Marine Insurance – Insures all goods in transit or shipment from port of origin to final destination. One time insurance and yearly insurance covers are provided in this cover
- Natural Disaster Insurance (including burglary, riots, strikes, act of terror among others)
- Professional Indemnity – Insures professionals like Chartered Accountants, Medical Practitioners, and other professional on any liability arising due to their practises
- Corporate Cyber Insurance – Covers risks of cyber attacks and compromise to IT infrastructure of businesses
- Directors & Officers Insurance – Covers risks to Directors and Officers of companies who may incur liability to due to actions and decisions made by them
- Liability Insurance – Covers risks to legal liabilities arising for companies and businesses (includes environmental liabilities, public liability etc.)
- Key Man Insurance – Covers risk of death or injury of a key person or personnel in the company whose health and life is important for business continuity and revenue generation
- Plant & Machinery insurance – Covers risk to damage of Plants & Machinery
- Contractor’s Insurance – Covers risk of contractors during construction Building & Projects
