Frequently Asked Questions
General :
No, we don't hold your money. Your investments go directly to the respective Asset Management Companies (AMCs), and units are allotted in your name. We only act as a facilitator to help you invest securely.
We focus on long-term wealth creation through goal-based planning, disciplined investing, and diversified strategies—always with transparency and your trust at the core.
No, we do not promise guaranteed returns. Mutual fund investments are subject to market risks, and returns can fluctuate based on market performance. Our role is to guide you with informed, goal-oriented strategies to help maximize your potential returns while managing risk.
Yes, we provide dedicated services for Non-Resident Indians (NRIs). From investment guidance to account setup and compliance with regulatory authorities, we assist NRIs in investing seamlessly in mutual funds and other financial products in India.
We help you automate and manage your investments using: SIP (Systematic Investment Plan): Invest a fixed amount regularly to build wealth gradually. STP (Systematic Transfer Plan): Move your investments between funds to balance risk and optimize returns. SWP (Systematic Withdrawal Plan): Withdraw a fixed amount periodically to meet your financial needs while keeping your money invested. We design these plans based on your goals, risk appetite, and investment horizon to make your money work efficiently.
We choose products based on your goals, risk profile, and market research, creating a diversified portfolio designed to help you achieve your financial objectives.
Mutual Fund :
Mutual funds collect money from many investors and invest it in a basket of assets like stocks, bonds, or other securities. Professional fund managers handle the investments, and you, as an investor, own units of the fund. The value of your investment rises or falls based on the performance of these assets.
Mutual funds come in various types to suit different goals and risk levels: Equity Funds: Invest mainly in stocks for long-term growth. Debt Funds: Invest in bonds and fixed-income securities for stability and regular income. Hybrid Funds: Combine equity and debt for a balance of growth and safety. Liquid/Overnight Funds: Offer high liquidity for short-term parking of money. Fund of Funds: Invest in other funds for stable return. Tax-Saving Funds (ELSS): Provide equity exposure along with tax benefits.
Yes, mutual funds have certain costs. The main one is the expense ratio, which covers fund management and operational expenses and is adjusted within the fund's returns. In some cases, exit loads may apply if you redeem before a specified period. We do not charge you separately for investing—the costs are regulated and transparent.
Mutual funds are subject to market risks, which means returns can fluctuate. Key risks include: Market Risk: Investments may rise or fall with market movements. Interest Rate Risk: Debt funds may be affected by changing interest rates. Credit Risk: Possibility of default by bond issuers in debt funds. Liquidity Risk: Some funds may be harder to redeem quickly. We help you choose funds suited to your risk profile and goals to manage these risks effectively.
You can redeem units by specifying the number of units, a fixed amount, redeeming fully, or setting up systematic withdrawals (SWP)
The minimum investment varies by fund, but you can start with as little as ₹100 in some schemes. Typically, SIPs begin from ₹100–₹500, while lump sum investments usually start from ₹1,000.
Insurance :
Insurance provides financial protection against unexpected events—such as illness, accidents, loss of income, or damage to assets—ensuring your family and goals stay secure.
Our experts at Inbest assess your needs, lifestyle, and financial goals to recommend personalized plans that give you the right balance of coverage and affordability.
We offer unbiased advice, IRDAI-compliant services, dedicated claims support, and tailor-made solutions to ensure you get protection that truly fits your needs.
Yes, all insurance solutions offered through Inbest are fully IRDAI-compliant, ensuring transparency, safety, and regulatory adherence.
Yes, family floater health plans and group life/health covers allow you to protect multiple members under a single policy with shared benefits.
Our claims-support team assists you at every step—from documentation to follow-ups—ensuring faster, fair, and hassle-free settlements.
Absolutely, we provide a wide range of business insurance solutions, including Key Man Insurance, Group Health, Property Insurance, Cybercrime Cover, and more.
Most policies offer a grace period to pay overdue premiums. Our team also sends timely reminders to help you avoid lapses in coverage.
Yes, we provide health and travel policies that cover you for medical and emergency needs worldwide.
Simply reach out via our website, call, or email. Our advisors will guide you step by step—from understanding your needs to issuing the right policy.
Taxation :
We offer end-to-end solutions including audits, return filing, bookkeeping, consultancy, litigation support, estate planning, GST, TDS/TCS, and more—covering both direct and indirect taxes.
Yes. Our experts represent clients at all levels of taxation disputes, providing strong defense strategies and ensuring the best possible outcomes.
We serve both individuals and businesses. From personal income tax filing and estate planning to corporate audits and GST compliance, our services are tailored to your needs.
We combine extensive industry expertise with robust, process-driven systems, ensuring accurate records, timely filings, and compliance with all applicable tax laws and regulations.
Yes. We provide consultancy and compliance support for legacy tax matters along with guidance on current frameworks like GST, FEMA, and Income Tax provisions.
Claim Settlement :
No. We help both our clients and non-clients with their insurance claims.
We assist with health, life, motor, and general insurance claims across multiple insurers.
Timelines vary by case, but our involvement helps to reduce delays and speed up resolutions.
We review the rejection, identify gaps, and prepare a strong case for reconsideration or escalation.
No upfront burden—our charges are transparent and discussed clearly before we begin.
NRI Desk :
Non-residing Indians (NRIs) are the Indian citizens who live abroad and Person of Indian Origin (PIO) refers to the foreign citizen who was born in India, has Indian parents, grandparents, or an Indian spouse.
NRIs can begin investing in India by opening either an NRE (Non-Resident External) or NRO (Non-Resident Ordinary) account with an Indian bank. This account acts as the gateway for routing investments. Once set up, the next step is to complete the KYC (Know Your Customer) process, which requires valid identity and residence proofs, along with passport and visa details. At Inbest, we simplify the entire journey—right from documentation and account setup to selecting the right investment options.
NRE account- It is the external savings bank account for NRIs. It is known as a Non-Resident External Account. It is a regular account for NRIs the same as an ordinary savings account. Any funds available in an NRE account can be used in any country outside India. These funds can be converted into any foreign currency and can be used for everyday purposes. NRO account- It is the ordinary account for NRIs. It is known as a Non-resident Ordinary account. Because it is an ordinary account, like a normal savings account, funds available in NRO Bank accounts cannot be taken to another country from India. This means funds lying in the NRO account can be useful only for transactions in India. However, funds to the extent of 1 million dollars can be remitted abroad by obtaining a CA certificate in Form 15 CA/CB, once in any financial year.
Funds can be easily transferred from NRE to NRO Bank account, but no funds can be transferred from NRO to NRE account.
RBI has advised banks to revise such accounts as resident accounts once the account holder returns to India.
NRIs are allowed to directly invest in the units of Mutual funds, debentures of Indian companies, and shares. NRIs can also create their investment portfolio by purchasing shares/debentures of the Indian companies through stock exchanges. Such facilities are available on both repatriation and non-repatriation basis.
Wealth Planning :
Wealth planning is a comprehensive service that combines financial planning, investment management, tax optimization, and risk management to help you build, protect, and grow your wealth according to your life goals and financial objectives.
Wealth planning is ideal for individuals and families looking to systematically grow their assets, plan for major life goals like retirement or education, optimize taxes, and ensure their financial legacy is protected and transferred efficiently.
While financial planning focuses on creating a roadmap for your goals, wealth planning is a holistic, ongoing service that includes planning, active portfolio management, tax strategies, estate planning, risk management, and continuous monitoring to adapt to life changes and market conditions.
Our wealth planning services include goal-based investment planning, portfolio construction and management, tax optimization strategies, retirement planning, estate and succession planning, risk assessment and insurance advisory, and regular performance reviews with rebalancing.
We start by understanding your financial goals, risk tolerance, current assets, and life stage. Based on this, we design a personalized strategy that balances growth with protection, diversifies across asset classes, and aligns with your short-term and long-term objectives—all while keeping your plan flexible for life's changes.
We track your portfolio's performance using benchmarks relevant to your asset allocation, calculate returns using metrics like XIRR (Extended Internal Rate of Return), and provide detailed reports showing gains, losses, asset distribution, and progress toward your financial goals.
Absolutely. Every wealth planning we create is fully customized to your unique circumstances, preferences, and aspirations. Whether you prefer conservative or aggressive strategies, ethical investing, or specific asset classes, we tailor the approach to fit your vision.