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About Us

ABOUT MoneyOrbit Financial Services Pvt.Ltd.
MoneyOrbit Financial Services Pvt.Ltd.has incorporated in Dec.2007 to empower and financially literate people who are not aware of financial tools and concepts like Mutual Funds,Equity,Debt,SIP,STP,Financial/Goal Planning, Wealth Creation, ,Taxation,Inflation..etc. or we can say still people haven’t thought beyond Insurance, Bank Deposits and Post Investments.
The central focus of our philosophy is to provide long term value to our esteemed customers while maintaining the highest standards of integrity, ethics, professionalism and timely service… 
Why should you consider MoneyCare Financial Services as your Financial Partner?
·   Committed investment consultancy since 2007.
·    Highly experienced and qualified
·    Dedicated and well organized work
·    Single-minded customer centric approach
·    Professional and prompt service delivery standards
·    Unbiased, clear and customised investment solutions
·    We follow the highest levels of ethics and integrity in all our dealings
·    We conduct our business with honesty and transparency
So in short to align financial streamline at personal and family level is the prime motto of our advisory.   









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Market Views

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Manage your wealth & track your family’s portfolio with one single login. You can easily and quickly invest in Mutual Funds from the app. Explore funds, view their performance and invest. Start an SIP or invest Lumpsum. Check out our recommendation of funds under Focused Funds. Whether you made profits or loss, check out from the reports. Simply Login and setup a 4 digit PIN for subsequent login so that you don’t need to enter your Username & Password every time. Download Now!

Mutual Funds

These days you are hearing more and more about mutual funds as a means of investment. If you are like most people, you probably have most of your money in a bank savings account and your biggest investment may be your home. Apart from that, investing is probably something you simply do not have the time or knowledge to get involved in. You are not the only one. This is why investing through mutual funds has become such a popular way of investing.

What is a Mutual Fund?

A mutual fund is a pool of money from numerous investors who wish to save or make money just like you. Investing in a mutual fund can be a lot easier than buying and selling individual stocks and bonds on your own. Investors can sell their shares when they want.

Professional Management. Each fund's investments are chosen and monitored by qualified professionals who use this money to create a portfolio. That portfolio could consist of stocks, bonds, money market instruments or a combination of those.

Fund Ownership. As an investor, you own shares of the mutual fund, not the individual securities. Mutual funds permit you to invest small amounts of money, however much you would like, but even so, you can benefit from being involved in a large pool of cash invested by other people. All shareholders share in the fund' s gains and losses on an equal basis, proportionately to the amount they've invested.

Mutual Funds are Diversified: By investing in mutual funds, you could diversify your portfolio across a large number of securities so as to minimise risk. By spreading your money over numerous securities, which is what a mutual fund does, you need not worry about the fluctuation of the individual securities in the fund's portfolio.

Benefits of Mutual Funds

Stocks, bonds, money market instruments-as an investor, you have a wide variety of choices, and it would be difficult to find one type of investment vehicle that effectively takes advantage of all of to day investment options. That's why you may want to consider diversifying your portfolio over a variety of investment vehicles as mutual funds do for you.

In addition to providing you with the flexibility to create an investment plan based on your individual goals, mutual funds offer many other advantages such as professional management, affordability and diversification. 

Benefits of investing in a mutual fund?

As an investor, you would like to get maximum returns on your investments, but you may not have the time to continuously study the stock market to keep track of them. You need a lot of time and knowledge to decide what to buy or when to sell. A lot of people take a chance and speculate, some get lucky, most don t. This is where mutual funds come in. Mutual funds offer you the following advantages :

Professional management. Qualified professionals manage your money, but they are not alone. They have a research team that continuously analyses the performance and prospects of companies. They also select suitable investments to achieve the objectives of the scheme. It is a continuous process that takes time and expertise which will add value to your investment. Fund managers are in a better position to manage your investments and get higher returns.

Diversification. The cliché, "don't put all your eggs in one basket" really applies to the concept of intelligent investing. Diversification lowers your risk of loss by spreading your money across various industries and geographic regions. It is a rare occasion when all stocks decline at the same time and in the same proportion. Sector funds spread your investment across only one industry so they are less diversified and therefore generally more volatile.

More choice. Mutual funds offer a variety of schemes that will suit your needs over a lifetime. When you enter a new stage in your life, all you need to do is sit down with your financial advisor who will help you to rearrange your portfolio to suit your altered lifestyle.

Affordability. As a small investor, you may find that it is not possible to buy shares of larger corporations. Mutual funds generally buy and sell securities in large volumes which allow investors to benefit from lower trading costs. The smallest investor can get started on mutual funds because of the minimal investment requirements. You can invest with a minimum of Rs.500 in a Systematic Investment Plan on a regular basis.

Tax benefits. Investments held by investors for a period of 12 months or more qualify for capital gains and will be taxed accordingly. These investments also get the benefit of indexation.

Liquidity. With open-end funds, you can redeem all or part of your investment any time you wish and receive the current value of the shares. Funds are more liquid than most investments in shares, deposits and bonds. Moreover, the process is standardised, making it quick and efficient so that you can get your cash in hand as soon as possible.

Rupee-cost averaging. With rupee-cost averaging, you invest a specific rupee amount at regular intervals regardless of the investment's unit price. As a result, your money buys more units when the price is low and fewer units when the price is high, which can mean a lower average cost per unit over time. Rupee-cost averaging allows you to discipline yourself by investing every month or quarter rather than making sporadic investments.

Transparency. The performance of a mutual fund is reviewed by various publications and rating agencies, making it easy for investors to compare fund to another. As a unitholder, you are provided with regular updates, for example daily NAVs, as well as information on the fund's holdings and the fund manager's strategy.

Regulations. All mutual funds are required to register with SEBI (Securities Exchange Board of India). They are obliged to follow strict regulations designed to protect investors. All operations are also regularly monitored by the SEBI.

Mutual Fund Objectives

There are many different types of mutual funds, each with its own set of goals. The investment objective is the goal that the fund manager sets for the mutual fund when deciding which stocks and bonds should be in the fund's portfolio.

For example, an objective of a growth stock fund might be: This fund invests primarily in the equity markets with the objective of providing long-term capital appreciation towards meeting your long-term financial needs such as retirement or a child' s education.

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Market Views

What is SIP, and why should you invest in it?


Most of us may not have a detailed idea of what SIP is in mutual funds. SIP, short form for Systematic Investment Plan, is an investment strategy in which an investor regularly invests a fixed amount of money in a mutual fund scheme. This blog provides a brief overview of SIP, its potential benefits, how it works, and why it can be a good investment option for long-term wealth creation.


What is SIP investment?


SIP investment is a method of investing an amount periodically in a mutual fund scheme of your choice. SIPs can be made either monthly, quarterly, or yearly, and the amount can be as low as ?100 per month. This investment approach is designed to help investors avoid timing the market and take advantage of disciplined investing, eventually resulting in compounding.


SIPs offer several benefits, such as averaging out the cost of buying units, disciplined investing, flexibility, and convenience. If planned properly and in advance, they may prove to be a great option for long-term wealth creation and help in achieving financial goals such as buying a house, saving for retirement, or children's education.


In the rest of this blog, we will explore how SIPs work, the potential benefits of SIPs, how to invest through SIP, the different types of SIPs, the difference between SIP and lumpsum, and factors to consider while investing by way of SIP. By the end of this blog, you will comprehensively understand SIP's meaning and how it works. This can help you to make informed investment decisions for your financial future.


How does SIP work?


Since we now know SIP meaning, we will try to understand how it works. As an investor, one needs to understand thoroughly their goal of investment and also their own risk appetite. Once this is clear, one has to research and find a sync in investment ideology with a particular scheme. Once the investment options are finalized, define the period and the frequency of investment, which can be, say, on a monthly basis. The investment is deducted automatically from the investor's bank account at the predefined frequency and invested in the mutual fund scheme. The invested amount is used to purchase units of the mutual fund scheme at the prevailing Net Asset Value (NAV). Over time, this strategy helps in averaging out the cost of investment and reducing the impact of market volatility on the overall returns.


Benefits of SIPs


In the ever-evolving markets, SIP still continues to be a popular investment choice because of the benefits that it offers. Below is the list of potential benefits of SIP investment.


  • Power of Compounding: Theoretically, the power of compounding in SIP refers to where the generated returns, if any, on the invested amount are reinvested and added to the investment amount, and over time, this, in a way, grows the investment portfolio.


  • Rupee Cost Averaging: SIP enables investors to benefit from rupee cost averaging, which refers to the practice of investing a fixed amount at regular intervals, irrespective of market conditions, which averages out the cost of investment and helps reduce the impact of market volatility on the investment returns over time.


  • Flexibility: SIP offers flexibility in terms of the amount to be invested and the duration of the investment, allowing investors to customize their investment strategy as per their financial goals and risk appetite. Many mutual funds now offer the option of Smart SIP; the investment amount differs based on market valuations.


How to invest in SIP?


  • Complete your KYC: To invest in mutual funds, one needs to complete their KYC. KYC can be done while investing by providing pan card details & address proof like an Aadhar card and such other details as may be requested at the time of making the investments.


  • Identify your financial and investment goals: Determine your investment goal and the amount of money that needs to be invested regularly. It is important to choose an SIP that suits both your investment goals and risk appetite.


  • Select the suitable Mutual Fund Scheme: Based on the selected investment goal, choose a mutual fund scheme that aligns with your financial objectives, risk tolerance, and investment horizon. You can evaluate mutual fund schemes based on their performance history, asset allocation, and fund manager expertise. Investors can also invest to save on tax by investing in various mutual fund schemes. However, it must be understood that past performance is no guarantee of future returns.


  • Select the investment frequency: Decide on the frequency of your investment and the amount to be invested. You can choose to invest in SIP monthly, quarterly, or annually at your convenience. Besides, an investor can also decide on what should be the investment amount and how much return it can help generate. Here, he can take the help of an SIP calculator, which is essentially a simple tool to estimate the returns of investment


Once you have completed these steps, you can initiate your SIP investment by submitting the necessary documents/details and providing your bank account details to start investing in the chosen mutual fund scheme.


Different types of SIP


Since we now know what SIP is, the benefits of SIP investment, and how it works, we will try to understand the various types of SIPs available. Below is the list:


  • Fixed SIP: In this type of SIP, the investor invests a fixed amount of money at regular intervals, such as monthly, quarterly, or annually.


  • Top-up SIP: This type of SIP allows investors to increase their investment amount at regular intervals. For example, an investor may start with a monthly SIP investment of ?5,000 but can choose to increase it by 10% after a year.


  • Perpetual SIP: This type of SIP allows investors to invest in mutual fund schemes for an indefinite period of time. The investor can choose to stop investing at any point in time.


  • Flexible SIP: This type of SIP allows investors to invest varying amounts at different intervals. For example, an investor may choose to invest ?10,000 one month but only ?5,000 the next month.


What is the difference Between SIP and Lumpsum?

SIP & Lumpsum are the two most popular ways of investing in mutual fund schemes. SIP, short form for Systematic Investment Plan, is a method of investing a fixed amount of money at regular intervals. At the same time, Lumpsum, also known as, One-time purchase, refers to investing a large sum of money in one go.


Factors to consider while investing via SIP


SIP investment requires careful consideration of several factors to make it a fruitful choice. Here are the most important factors to consider while investing through SIP:


  • Performance of the Scheme: Analyzing the performance/past performance of a mutual fund scheme is critical before investing in it. Investors should check the fund's track record in terms of returns, volatility, and consistency. A scheme's performance can also be analyzed as regards to its benchmark index. However, it must be understood that the past performance may or may not be sustained in future, and the scheme performances may vary depending upon the market conditions.


  • Analyze the risk appetite: All investments come with some level of risk, and SIP is no different. Hence, it is important to understand the risk involved in the scheme before investing. Investors should evaluate the fund's risk profile based on factors such as asset allocation, portfolio composition, and the fund manager's investment style. This analysis can help investors determine whether the risk-reward trade-off is acceptable for them.


  • Identify the goal and duration: The primary purpose of investing via SIP is to achieve a financial goal, such as buying a house or saving for retirement. Hence, investors must determine their financial goals and the time horizon for achieving them. This information will help them choose a scheme that aligns with their investment objectives and matches the investment duration.


To sum up, what is SIP investment? SIP is a long-term investment option, and investors may invest in a fund that syncs essentially with their investment goals and risk profile. Investing via SIP requires discipline and patience, and investors should not get swayed by short-term market movements. By considering the above factors, investors can make informed decisions, and it can help them achieve their investment goals. An investor should always keep in mind that mutual fund investments are subject to market risks, and past performance is not a guarantee of future returns.


Frequently Asked Questions


How much money do I need to start an SIP?


One can start with SIP basis their own risk appetite and the ability to invest. The minimum SIP instalment is based on the mutual fund scheme selected. It can start from as low as ?100 per month.


Can I stop or change my SIP investment at any time?


An investor can stop or modify the SIP as per their requirements at any point in time. The user can log in to their mutual fund account, like Kotak Mutual Fund account, through their credentials and select the SIP which needs to be cancelled.


What is the power of compounding?


Theoretically, compounding means the returns generated, if any, on investments get added back to the investment amount.  So the interest earned, if any, is then calculated on the new investment amount, which is the originally invested amount, along with the returns earned, if any, on the same.


What is the difference Between SIP and Lumpsum?


SIP & Lumpsum are the two most popular ways of investing in mutual fund schemes. SIP, short form for Systematic Investment Plan, is a method of investing a fixed amount of money at regular intervals. At the same time, Lumpsum, also known as, One-time purchase, refers to investing a large sum of money in one go.



The document is not intended for distribution to or use by any person in any jurisdiction where such distribution would be contrary to local law or regulation.  The distribution of this document in certain jurisdictions may be restricted or totally prohibited, and accordingly, persons who come into possession of this document are required to inform themselves about and observe any such restrictions.


The document includes statements/opinions which contain words or phrases such as "will", "believe", "expect" and similar expressions or variations of such expressions that are forward-looking statements. Actual results may differ materially from those suggested by the forward-looking statements due to risks or uncertainties associated with the statements mentioned with respect to but not limited to exposure to market risks, general and exposure to market risks,  general economic and political conditions in India and other countries globally, which may have an impact on services and/or investments, the monetary and interest policies of India, in?ation, de?ation, unanticipated turbulence in interest rates, foreign exchange rates, equity prices or other rates or prices etc.


Past performance may or may not be sustained in future.  Kotak Mahindra Asset Management Company Limited/ Kotak Mahindra Mutual Fund is not guaranteeing or forecasting any returns/future performance. SIP does not guarantee of any profit/loss in declining/upward markets. Investors may consult their financial advisors and /or tax advisors before making any investment decisions.


Mutual fund investments are subject to market risks, read all scheme related documents carefully.

Dear All,


Please click here for Monthly Equity & Debt Outlook Presentation – July 2022.


Key Events for the Month of June 2022:


  • Nifty (-4.8%) corrected sharply, as the markets got worried due to hawkish Fed and recession concerns
  • The S&P 500 and Nasdaq corrected ~8%
  • The World Bank cut India's economic growth forecast for the current fiscal to 7.5% as rising inflation, supply chain disruptions and geopolitical tensions taper recovery 
  • RBI's MPC decided to hike the Policy Repo Rate by 50 bps to 4.9% in its June meeting
  • Gross NPA ratio of banks fell to six-year low of 5.9% in March: RBI
  • The CPI inflation rate for May 2022 cooled from the 8 year high in April and came in at 7.04% on the back of the base effect while WPI inflation surged to a record high of 15.88% in May
  • GST revenue collection for June was at Rs 1.44 lakh cr; up 56% year on year
  • Manufacturing PMI weakens to 53.9 in June due to rising input costs, inflation concerns
  • FIIs continued being net sellers in the month of June 2022 and were net sellers to the tune of -$6.4bn even as DII buying continued at +$5.9bn
  • Brent Crude was extremely volatile and touched ~$125/ barrel before correcting ~$110/ barrel

Dear All,

Please click here for Highlights of RBI’s Monetary Policy | June 2022.

Key Highlights:

  • MPC votes unanimously to hike repo rate by 50bps to 4.90%
  • The MPC has dropped the phrase “remain accommodative” from the stance
  • RBI increases FY23 inflation forecast by 100 bps to 6.7%
  • RBI retains FY23 GDP outlook at 7.2%
  • RBI is likely continue to withdraw excess liquidity in a calibrated manner over a multi-year time frame
Introducing Kotak Multi Asset Allocation Fund
05/09/2023 14:55:35
Introducing Kotak Multi Asset Allocation Fund by Mr. Nilesh Shah (Hindi)
05/09/2023 14:55:24
Introducing Kotak Multi Asset Allocation Fund by Mr. Nilesh Shah | Load It. Latch It. Leave It.
05/09/2023 14:55:13

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