Client Services

Mars

One of the key challenges of managing a portfolio is to regularly monitor and adjust the portfolio on an ongoing basis as per your risk profile and in line with market movements. However, most advisors fail to do so as it involves making multiple transactions frequently in a time bound manner. We have a unique offering for our NJ E-Wealth A/c Clients called as 'MARS' that very effectively gives the answer to this problem.

MARS is a technology powered tool which helps in managing asset allocation through periodic rebalancing of portfolio which involves a research & logic driven scheme selection process. With two broad asset allocation offerings – Dynamic & Fixed, MARS is the answer to client worries on portfolio management.

NJ E-Wealth A/C Service

As a client of our NJ E-Wealth A/c service you can enjoy some big, tangible benefits. You can do hassle, worry and error free transactions in a very easy, time and cost effective manner – any time, any where.

We offer easy transaction facility and few very unique services for mutual fund transactions in our NJ E-Wealth A/c service, as given below.

We offer easy transaction facility :

We offer easy transaction facility and few very unique services for mutual fund transactions in our NJ E-Wealth A/c service, as given below.

Fresh Purchase /Additional Purchase /Redemptions /Switch Transactions
SIP and STP registration
NFO – Purchase, Switch and SIP Registration
Equity Stock SIP registration
Equity IPOs and Debt IPOs Application
Comprehensive reports

Multiple Transactions Modes :

What's more, we offer multiple modes of doing transactions as listed below...

Mobile: Transact through application on your mobile
Online Desk: Transact through online Trading Account Desk
Phone: Call and transact through your phone
Offline: Transact through physical instructions

Client Desk

The Client Desk is a premium offering for our clients which consolidates entire wealth/portfolio information, covering every major financial /non-financial product, for an entire family or an organisation. The access to the Client Desk is given through an highly secured, unique login-id and password to every client.

The information inside the desk is updated on a daily basis and all transactions done through us are automatically updated so that clients need not make any entries. The Client Desk empowers you by keeping you updated & informed, anytime any where – throgh online access or through a mobile application.

Investment Assessment

Everyone wants the highest possible return, but simply choosing the asset with the highest ‘Potential’ isn’t the answer. The crashes of 1929, 1981, 1987 and the most recent declines of 2000, 2008, 2020 are examples of times when investing in only stocks with the highest potential return was not the most prudent plan of action. Hence, at SAFEinvest, we go for periodic review through our portfolio assessment module wherein our core focus is to manage Asset Allocation & to generate Risk-adjusted return of the portfolio.

Asset Allocation

Asset allocation is the single most important determinant of a person's wealth in the long run. An appropriate asset allocation hence is very critical to be decided and followed. Consider the following facts:

Determinants of Portfolio Performance in long run:

2% - Market Timing

6% - Security Selection

Fixed Income Products

92% - Asset Allocation

* Research Paper "Determinants of Portfolio Performance" in Financial Analyst Journal, 1986 by Brinson, Hood, and Beebower

What our Investment Portfolio Assessment Includes?

Net Asset Report
Current Asset Allocation, Equity & Debt. What is decided and what is actual
Equity & Debt Micro Review with AMC Exposure & Type of Equity Scheme
Performance & Observation on existing investment
Recommendations & Actions to be taken

Taxation

We provide the following Services subject to investments with MoneyMeasures Finserve Pvt Ltd:

1) Tax Planning under section 80C - Calculation of taxes as per yearly income, select the MF schemes suitable for tax planning like ELSS and/or suggest insurance cover through Term insurance.

2) Account Reconciliation & Account Query - How much investment has been made, how much was the capital gain, how much tax is on the capital gain, and how much return one has gained after tax deduction. Account queries consist of mismatch of NAVs, account statements, and other related account queries.

3) P&L Calculation - Working to be given on the Profit & Loss account for the Advance tax calculation.

NRI Services

We provide suggestions to NRIs for investing in Mutual Funds and PMS according to your Risk tolerance & period of investment. Our FPDs monitor the executed plan on a defined frequency as per our investment review process.

To the US and Canadian citizens, we suggest MFs from a few selected AMCs only, while for rest of the NRIs living abroad, there is no restriction on choosing MFs from various AMCs.

We provide Demat(E-Wealth) services through NJ platform and implement all transactions online through your (NRI Clients) virtual presence, if required.

Loan Against Securities

Why redeem units when the loan is easily available?
Application for Loans against securities to be made online through E-Wealth Account. The loan sanction status is updated within minutes, and the loan amount is disbursed in no time.

There are no foreclosure charges and partial repayment is possible too under the loan repayment option.

With Loan Against Securities (LAS) from NJ Capital you can unlock the potential of your investments without liquidating them and having to book profits or losses in an unplanned manner. All you have to do is pledge your mutual funds, equity shares, bonds or securities and get access to instant liquidity.

Unplanned redemptions / sales of investments not only get impacted by unfavourable market prices (since the timing of exit is not planned) but also generally result in upfront tax liabilities, all of which end up causing financial losses to investors and impacting the Goal based investments that the investor may be looking forward to make. The LAS - Term Loan product introduced by NJ Capital provides a very quick, convenient way of availing finance against securities held in your NJ E-wealth account, while still retaining ownership and riding the upside of being invested in the stock market.

The EMI based repayment structure also ensures that payments are made in an orderly, planned and affordable manner over the specified period and the liability is continuously brought down.

The main features of the Loan Product are given below -

Sr. No.

Details

Particulars

Product

Loan Against Securities - Term Loan

Minimum Loan Amount

INR. 25,000/- (Rupees Twenty Five Thousand only)

Maximum Loan Amount

INR. 50,00,000/- (Rupees Fifty Lakhs only)

Securities acceptable as collateral

Approved

Equity MF Schemes
Debt MF Schemes
Hybrid MF Schemes
Fund of Funds
Balanced Funds

Loan Purpose

Loans can be availed for any of the following purposes -

Business
Property Acquisition and/or Improvement
Education
Medical Expenses
Holidays/Weddings/Family Occasions
Personal Effects (Vehicle/Jewellery, etc.)
Retiring Existing Debt

Loan Tenure (Months)

Term Loans can be taken for a period varying from six (6) months to thirty sixty (60) months depending on the requirements of the Borrower.

Interest Rate

The interest rates shall vary from 12% p.a to 15% p.a per annum depending on the tenure of the borrowing. The rates charged are as follows -

Loan Tenure (No. of Months)	6	12	18	24	36	48	60
Rate of Interest(%) P.A.	14.50%	14.00%	13.50%	13.00%	13.00%	14.90%	14.90%

EMI Due Date

In case of loan disbursals during 1st - 15th (both dates included) of any month, the EMI due date will be the 25th of the same month.

In case of loan disbursals during 16th – last date of the month (both dates included), the EMI due date will be the 10th of the following month.

Margin (%) Required** (through the tenure of loan)

The Borrower shall be required to maintain the specified margin at all times and the aggregate Security Value –i.e total value of all the Securities offered by the Borrower shall be netted off for such Margin and the balance will considered for the purpose of actual disbursal. This margin shall be maintainable every single day and any shortfall shall be made good immediately either by way of pledging additional securities or reduction of the loan (by way of repayment).

The indicative margins required to be maintained are given herein below -

Approved Equity MF's between 50% - 75% of the NAV
Approved Debt MF's between 20% - 35% of the NAV

Please refer to the specific scrip / mutual funds and the applicable margins. The above margin rates have been mentioned to provide a general idea of the margin requirements.
Such margins can change from time to time depending on the market conditions / internal policy of the company.

Notice Period to fulfil Margin Calls (i.e. where Actual Margin available falls below the Required Margin)

Three (3) Business Days. The margin can be restored either by repaying part of the loan or by offering more securities as collateral.
In case margin shortfall is made good by repaying some part of the loan, no prepayment charges would be applied on such amount prepaid.

Date of Disposal of Securities (in case of non-receipt of EMIs)

In case if the EMI Due Date falls on the 10th of a month and the due amount remains unpaid, the date of disposal of securities will be the 25th of the same month. In case if the 25th is not a Business Day, then securities will be disposed on the immediately following Business day.
In case if the EMI Due Date falls on the 25th of a month and the due amount remains unpaid till then the date of disposal of securities will be the 10th of the following month. In case if the 10th is not a Business Day, then securities will be disposed on the immediately following Business Day.

Disposal of Securities (in case of an occurrence of Event of Default / Potential Event of Default as defined in the Agreement other than non-receipt of Instalment)

Within a period of Seven (7) Business Days from the date of service of notice of occurrence of such Event of Default / Potential Event of Default by NJ Capital Private Limited or withinr such additional time period which may be extended at the sole discretion of the Lender.

Processing Fees (%)

0.5% of the loan amount subject to a maximum of Rs. 20,000/- (exclusive of all applicable taxes). The same shall be deducted from the disbursed loan amount.

Documentation Charges

First Time - Rs.500/- ( Rupees Five hundred only)
Subsequent Loans - Rs.200/- (Rupees Two hundred only)
(Exclusive of applicable taxes)
The same shall be deducted from the disbursed loan amount.

Prepayment Charges

2% (exclusive of all applicable taxes), on the principal amount prepaid.

Additional Interest - on Delayed Payment

1.5% per month or part thereof, on the EMI delayed, for the entire period of delay upto the date of realisation. (exclusive of all applicable taxes)

Dishonour Charges

INR 500/- (exclusive of all applicable taxes), for every instance of dishonour.