◈PlusFinance

Other Financial Services

Every financial product your family needs — all under one roof

Beyond the core services, PlusFinance covers the full spectrum of financial products — from safe fixed-income instruments to government schemes and insurance — so you never need to go elsewhere.

Products We Advise On

Fixed Deposits

Best FD rates across banks and NBFCs — we help you ladder deposits for optimal liquidity and returns.

Bonds & NCDs

Government bonds, RBI floating rate bonds, corporate NCDs, and Sovereign Gold Bonds for stable income.

Vehicle Insurance

Comprehensive and third-party cover for cars and two-wheelers at the most competitive premiums.

Sukanya Samriddhi Yojana

Government-backed savings scheme for your daughter's future — high interest, full tax exemption.

National Pension System (NPS)

Long-term retirement savings with market-linked growth and an extra ₹50,000 deduction under 80CCD(1B).

PPF & EPF Advisory

Maximise your Public Provident Fund and EPF contributions as part of a holistic tax planning strategy.

Our Approach

Need Assessment

We understand whether you need liquidity, safety, growth, or tax saving — and match the right product.

Product Comparison

We compare across issuers, interest rates, and terms to get you the best deal available.

Documentation

We handle the paperwork — account opening, KYC, nominations, and online setup.

Integration

Every product is integrated into your overall financial plan — nothing works in isolation.

Annual Review

We revisit your fixed-income and insurance portfolio every year to ensure it still fits your needs.

A Worked Example

₹1.5L invested every year in NPS for the additional 80CCD(1B) deduction alone saves roughly ₹31,200 in tax for someone in the 30% bracket — on top of whatever they've already claimed under the ₹1.5L 80C limit. Over 20 years at a moderate 9% blended NPS return, that same annual investment also grows to a corpus of roughly ₹75-80L, split between an annuity and a lump-sum withdrawal at retirement.

For Sukanya Samriddhi Yojana: a parent depositing ₹1.5L/year from a daughter's birth until she turns 15 (₹22.5L total invested) typically sees the account grow to ₹65-70L by the time she is 21, at the current SSY interest rate — entirely tax-free on both interest and maturity. We help clients ladder this alongside their own 80C usage rather than double-counting the same limit.

Frequently Asked Questions

PPF gives guaranteed, tax-free returns with a 15-year lock-in and is best for conservative, long-term savers. ELSS mutual funds have a much shorter 3-year lock-in and higher return potential but come with market risk — the right choice depends on your risk appetite.

NPS offers an additional ₹50,000 deduction under Section 80CCD(1B), over and above the ₹1.5 lakh limit under 80C — making it one of the few ways to get extra tax deduction specifically for retirement savings.

It's a government-backed savings scheme for a girl child under 10, offering one of the highest interest rates among small savings schemes plus full tax exemption on interest and maturity under Section 80C.

PPF vs ELSS: Who Actually Regrets Each Choice Five Years Later

In April 2019, two clients in Vadodara each committed ₹1.5L a year to Section 80C. One chose PPF, one chose ELSS. The five-year scorecard is not the story you’d expect.

7 July 2026 · 7 min read Other Services

NPS’s Extra ₹50k Deduction — Is It Worth The Illiquidity?

₹15,600 a year in tax saved, against money you can’t properly touch until 60 and 40% of which must buy a taxable annuity. I ran the full 20-year math — my answer depends on exactly three things.

8 June 2026 · 7 min read

Get Expert Other Financial Services Advice

Book a free consultation with Yatri Bhatt and get clarity on your other financial services needs.