Invest Smart.
Insure Right.
Grow Forever.
Mutual Fund / SIP / IPO | Share Market / Demat Account | FD / NPS / PPF / Gold Investment
Health Insurance | Life Insurance | Vehicle & Business Insurance | Portfolio Advisory
Investment Services
Mutual Fund • SIP • IPO • Share Market • Demat • FD • NPS • PPF • Gold • Portfolio Advisory
Mutual Fund & SIP Investment
Build long-term wealth systematically through India's top Mutual Funds — start SIP from just ₹500/month and watch your money grow with compounding.
TrueCapFin provides goal-based mutual fund advisory — whether it's buying a home in 5 years, child's education in 10 years, or retirement in 25 years. We analyze your risk profile, income, and goals to recommend the right fund category — Equity, Debt, Hybrid, or ELSS (tax-saving). Complete KYC, SIP setup, and portfolio tracking — all handled by our team.
SIP Returns Calculator
₹6,00,000
₹11,61,695
₹17,61,695
| Fund Type | Risk Level | Ideal For | Expected Returns |
|---|---|---|---|
| Large Cap Equity | Moderate | 5+ year goals | 10–13% p.a. |
| Mid & Small Cap | High | 7–10+ year goals | 13–18% p.a. |
| Flexi Cap / Multi Cap | Moderate-High | 5+ year goals | 11–15% p.a. |
| ELSS (Tax Saving) | Moderate-High | Tax saving + wealth | 11–15% p.a. |
| Hybrid / Balanced | Moderate | 3–5 year goals | 9–12% p.a. |
| Debt / Liquid Fund | Low | Short term / emergency | 6–8% p.a. |
IPO Advisory & Application
Apply for upcoming IPOs through TrueCapFin — get expert guidance on which IPOs to apply for, how to apply via ASBA/UPI, and when to exit for maximum gains.
IPO (Initial Public Offering) gives retail investors the chance to invest in companies before they list on stock exchange. We track all upcoming Mainboard and SME IPOs, analyze the business fundamentals, GMP (Grey Market Premium), subscription status, and provide clear Apply/Avoid recommendations so you make informed decisions.
| Parameter | Details |
|---|---|
| Who Can Apply | Any Indian resident with Demat + Bank account (UPI) |
| Minimum Application | 1 lot (as per company price band) |
| Application Method | ASBA through bank / UPI through broker app |
| Allotment | Lottery-based for oversubscribed IPOs |
| Listing Time | T+6 days after IPO close date |
| Tax on IPO Gains | STCG 20% (if sold within 1 year) | LTCG 12.5% (after 1 year) |
Other Investment Options
Beyond mutual funds and stocks — TrueCapFin guides you on Fixed Deposits, NPS for retirement, PPF for tax-free returns, Gold Bonds, and building a complete diversified portfolio.
A well-diversified portfolio balances risk and reward across different asset classes. We help you allocate your savings optimally — equity for growth, debt for stability, gold for hedge, and insurance for protection — based on your age, income, risk appetite, and financial goals.
Fixed Deposit (FD)
Best FD rates from top banks & NBFCs. Safe, guaranteed returns — ideal for conservative investors.
Invest NowNPS (National Pension System)
Build retirement corpus with NPS. Extra ₹50,000 tax deduction u/s 80CCD(1B) — over and above 80C.
Open NPSPPF (Public Provident Fund)
15-year lock-in, tax-free returns, sovereign guarantee. Best for long-term safe wealth creation.
Open PPFGold Investment
Sovereign Gold Bonds (RBI), Digital Gold, Gold ETFs — better than physical gold, earns interest too.
Invest in Gold| Investment | Returns | Risk | Tax Benefit | Liquidity |
|---|---|---|---|---|
| Bank FD | 6–8% | Low | 80C (5-yr) | Medium |
| PPF | 7.1%* | No Risk | 80C + Tax Free | 15 Years |
| NPS | 8–12% | Low-Med | 80C + 80CCD | Till Retirement |
| Mutual Fund (SIP) | 10–15%+ | Market Risk | 80C (ELSS) | High |
| Sovereign Gold Bond | Gold + 2.5% | Market | LTCG exempt | 8 Years |
Insurance Services
Health Insurance • Life Insurance • Vehicle Insurance • Home & Business Insurance • Travel Insurance
Health Insurance
Medical emergencies can wipe out your lifetime savings in days. The right health insurance plan protects your family without breaking your finances.
We compare plans from HDFC Ergo, Star Health, Care Health, Niva Bupa, ICICI Lombard and more to find the best coverage for your family's needs and budget. We explain the fine print — co-payment clauses, room rent limits, sub-limits, waiting periods — so you never face rejection at the time of claim. Cashless hospitalization at 10,000+ network hospitals across India.
| What to Check | Why It Matters |
|---|---|
| Sum Insured (Coverage Amount) | Minimum ₹5–10 Lakh recommended per person in current medical costs |
| Network Hospitals | Cashless at 10,000+ hospitals — check if your nearest hospital is covered |
| Waiting Period for Pre-existing | Typically 2–4 years — buy early to serve waiting period sooner |
| Room Rent Limit | Avoid plans with room rent capping — it reduces all related claims |
| No Claim Bonus | Sum insured increases 5–50% for each claim-free year |
| Tax Benefit | Section 80D — ₹25,000 (self/family) + ₹25,000 (parents) deduction |
Life Insurance
Your family's financial security shouldn't depend on your survival alone. A pure term plan gives your family a large cover at the lowest cost — it's the most important financial decision.
We strongly recommend pure Term Insurance first — a ₹1 Crore term plan for a 30-year-old costs just ₹700–1,000/month. For those who want savings + protection, we offer ULIP and Endowment plans from LIC, HDFC Life, ICICI Prudential, Max Life, and SBI Life — after explaining the true cost and returns clearly.
| Plan Type | Premium | Returns | Best For |
|---|---|---|---|
| Term Insurance | Very Low | No Returns | Pure Family Protection |
| ULIP | Medium | Market Linked | Investment + Protection |
| Endowment | High | Guaranteed | Savings + Protection |
| Money Back | High | Periodic Payout | Regular Cash Inflow |
| Whole Life | Medium | Till Age 100 | Legacy Planning |
Vehicle Insurance
Mandatory by law and essential for your financial safety — get the right vehicle insurance at the best rate with maximum coverage through TrueCapFin.
Motor insurance has two types — Third Party (mandatory by law) and Comprehensive (recommended). Third party only covers damage to others; comprehensive covers your own vehicle too. We compare plans from ICICI Lombard, Bajaj Allianz, HDFC Ergo, Tata AIG, and others to give you the best deal — online policy issuance in minutes.
| Coverage Type | What's Covered | Mandatory? |
|---|---|---|
| Third Party Liability | Damage/injury to third person or their property | Yes — legally required |
| Own Damage (OD) | Damage to your own vehicle — accident, theft, fire | Optional (recommended) |
| Comprehensive | TP + OD together — best protection | Optional (best choice) |
| Zero Depreciation | Full part replacement cost — no depreciation cut | Add-on (highly recommended) |
| Engine Protection | Covers engine damage due to waterlogging/oil leakage | Add-on (for floods-prone areas) |
Other Insurance Plans
Home Insurance
Protect your home from fire, earthquake, flood, burglary, and structural damage. Building + content coverage.
Get QuoteBusiness / Shop Insurance
Shopkeeper policy, fire insurance, marine insurance, professional indemnity for businesses of all types.
Get QuoteTravel Insurance
Domestic & international travel — trip cancellation, medical emergency abroad, baggage loss coverage.
Get QuotePersonal Accident Cover
Accidental death, permanent disability, temporary disability — lump sum payout for you and your family.
Get QuoteInvest Smart. Insure Right. Grow Forever.
Mutual Fund / SIP / IPO / Demat • Health, Life & Vehicle Insurance • FD / NPS / Gold — All at TrueCapFin | Free Financial Planning