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What is Financial Planning
Study of Various Factors
Steps to Financial Planning
Components of Financial Planning
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Financial Planning
--select--
What is Financial Planning
Study of Various Factors
Steps to Financial Planning
Components of Financial Planning
Financial Planning Tips
Study of various factors
Things to consider while doing financial planning are
Time horizon and goals
It is important to understand what the individual’s goals are, and over what time period they want to achieve their goals. Some goals are short term goals, those that people want to achieve within a year. For such goals it is important to be conservative in one’s approach and not take too much risk. For long term goals, however, one can afford to take more risk and use time to one’s advantage.
Risk tolerance
Every individual should know what their capacity to take risk is. Some investments can be more risky than others. These will not be suitable for someone of a low risk profile, or for goals that require being conservative. Crucially, one’s risk profile will change across their life’s stages. As a young person with no dependants or financial liabilities, one might be able to take lots of risk. However, if this young person gets married and has a child, the person will have dependants and higher fiscal responsibilities. So, the person's approach to risk and finances cannot be the same as it was when they were single.
Liquidity needs
How quickly one can access the money, when it is needed. If investment made on an asset needs to sold to procure funds in order meet a goal, then it needs to be understood how easily one can sell the asset. Usually, money market and stock market related assets are easy to liquidate. On the other hand, something like real estate might take a long time to sell.
Inflation
Inflation is a facet of the economic life in India. The product that is brought today is almost double the price of what it was ten years ago. The purchasing power of money is going down every year. Therefore, the cost of achieving goals needs to be seen in terms of what the inflated price would be in the future.
Need for growth or income
When an individual makes investments he/she needs to think about what is required, whether capital appreciation or income. Not all investments satisfy both requirements. A young person should usually consider investing for capital appreciation, to take advantage of their young age. An older person however might be more interested in generating income for themselves.
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Attention Investor:
Prevent unauthorised transactions in your account Update your mobile numbers/email IDs with your stock brokers/Depository Participant. KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (broker, DP, ,Mutual ). No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorise your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account.
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Notice of AGM
ISFL - Notice Of AGM
IFIN - Notice Of AGM
ICOM - Notice Of AGM
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Forms
Form 30 Transmission Form Without Track Change
Beneficiary Demat account NSDL
Beneficiary Demat account CDSL
CDSL CHANGE OF SIGNATURE
CDSL NOMINATION FORM
NSDL CHANGE OF SIGNATURE
IFIN -Change of Bank details
IFIN- NEW KYC FORM
IFIN -NSE F&O Activation form
IFIN -Updation of Information Income
IFIN-Annexure A -Nomination form
IFIN-Annexure -B -Opting out of Nomination form
IFIN-Annexure Q - Closure form Trading & DP
IFIN-Brokerage Modification form
IFIN-Change of Address
IFIN-Change of Telephone -Mobile No , Email id
IFIN-Consent for Receipt of ECN other Digital Decuments
IFIN-Trading Re-activation form
Instigo Account opening procedure- Flow chart
Instigo DP account opening procedure
KYC RDD Annexure
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Sr No
Start Date
Department
Tender Details
Status
Download
1
10-06-2024
IA
RFP for appointment of internal auditors for period April 2024 – March 2025
Active upto 21/06/2024 end of the day
A. Request For Proposal
B. Extension of RFP
2
10-06-2024
IA
RFP for appointment of internal auditors and Concurrent Audit for period April 2024 – March 2025
Active upto 21/06/2024 end of the day
3
22-11-2023
Compliance
Procurement of AML/PML software Solution - VC Meeting Link for opening of Tender Box on 22/11/2023 at 4.30 pm
Closed
4
16-10-2023
Compliance
RFP for Procurement of AML/PML software solution
06-11-2023
Compliance
A. Addendum - Extension Period for procurement of AML/PML sofware solution
5
16-08-2023
IT
RFP for Procurement of Firewall
A. General Information
B. Technical Bid
C. Financial Bid
D. Extension of RFP
6
12-07-2023
ADMIN
RFP for Premises on Lease for Ahmedabad Branch
A. Newspaper Aricle
B. General Information
C. Technical Bid
D. Financial Bid
7
07-07-2023
CS
RFP for Secretarial Audit
8
26-06-2023
IT
RFP for AMC of Online UPS system installed at IFINs Branch office
Closed
A. General Information
B. Technical Bid
C. Financial Bid
9
16-06-2023
IT
E-tender for engagement of annual system audit and cyber security audit agency
Closed
A. General Information
B. Technical Bid
C. Financial Bid
10
15-06-2023
IT
RFP for AMC of 30KVA Online UPS system
Closed
A. General Information
B. Technical Bid
C. Financial Bid
11
30-05-2023
ADMIN
RFP for Premises on Lease for Ahmedabad Branch
Cancelled
A. Newspaper Aricle
B. General Information
C. Technical Bid
D. Financial Bid
E. Extension of RFP
F. Closure of RFP
12
24-05-2023
ADMIN
RFP for Premises on Lease for Salem Branch
Closed
A. Newspaper Aricle
B. General Information
C. Technical Bid
D. Financial Bid
13
24-04-2023
IA
Extension Of RFP iCOM IA for FY 2023-2024
Closed
14
25-04-2023
CS
Extension Of RFP for Seeking Quotations for Secretarial Audit Of IFIN Group for FY 2022-2023
Cancelled
A. Status_of_RFP_for_secretarila_audit
15
02-05-2023
IA
RFP For Appointment Of Internal Auditor for July 2023 - March 2024
Closed
16
02-05-2023
IA
RFP For Appointment Of Internal Auditor for July 2023 - March 2024 for operations, accounts and control related activities.
Closed
17
24-04-2023
CS
RFP PCS Empannelment for ROC filing 2022-23
Closed
18
24-04-2023
IA
RFP For Appointment Of Internal Auditor iCOM 23-24
Closed
19
14-03-2023
IA
RFP for appointment of internal auditor in the iCOM
Closed
20
25-04-2023
CS
RFP For Secretarial Audit 22-23
Closed
KRA validation process
Visit the respective KRA KYC portal (CVL, NDML, KARVY, CAMS etc.,).
Provide your PAN card number; it will then retrieve your mobile number and email address.
Click on the boxes- ‘generate OTP’ for an email address and your mobile number.
As you receive the OTP, fill it in and click on ‘verify’.
Once both email and mobile are verified, click on ‘submit and exit’.