Frequently Asked Questions

A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds at regular intervals (monthly, weekly, etc.). It leverages rupee cost averaging — buying more units when markets are low and fewer when high — resulting in a lower average cost over time and disciplined long-term wealth creation.

You can start a SIP with as little as ₹500 per month. Lump sum investments can begin from ₹1,000. We believe wealth creation should be accessible to everyone, regardless of income level. Use our SIP Calculator on the homepage to see how your money can grow.

Mutual funds are market-linked and subject to market risks. However, they are regulated by SEBI and are among the most transparent investment instruments available in India. We guide you to choose funds aligned with your risk profile — from low-risk debt funds to high-growth equity funds.

We provide regular portfolio review reports. You can also track your portfolio via apps like MF Central, CAMS, or KFintech using your PAN and registered email. We also offer a periodic rebalancing service to ensure your portfolio stays aligned with your goals.

Most open-ended mutual funds can be redeemed anytime. Proceeds are credited to your bank account within 1–3 business days. ELSS (tax-saving) funds have a mandatory 3-year lock-in. We will always clearly communicate any lock-in terms before you invest.

If anyone depends on your income — yes, absolutely. A term life insurance policy ensures your family is financially protected in your absence. We recommend a cover of at least 10–15× your annual income for adequate protection.

Term Insurance is pure protection — high coverage at very low premium, but no maturity value. Best for protecting your family at minimal cost.

Endowment Plans combine insurance + savings, so you receive a maturity benefit if you survive the term, but premiums are significantly higher.

For most people, we recommend a term plan for protection paired with separate mutual fund investments for wealth creation.

For a family of 4 in a metro city, we recommend a minimum of ₹10–20 lakh cover. Given rising medical costs, a base plan + super top-up combination offers the most cost-effective protection. We help you choose based on city, family size, and health history.

Yes! We assist clients through the entire claim process — from documentation guidance to follow-up with insurers. Our goal is to ensure your claims are settled smoothly and quickly, especially during difficult times when you need support most.

We work with all leading IRDAI-registered insurers including LIC, HDFC Life, ICICI Prudential, SBI Life, Star Health, Care Health, and many more. We are not tied to any single insurer, so we always recommend what is genuinely best for you.

We help with a wide range of loan types:

• Home Loans & Balance Transfers
• Personal Loans
• Loan Against Property (LAP)
• Business Loans
• Education Loans
• Vehicle Loans

We compare rates across multiple lenders to find the best deal for your situation.

Loan eligibility depends on: monthly income, CIBIL credit score, existing EMIs, employment type (salaried/self-employed), age, and property value (for secured loans). We offer a free eligibility check before you apply anywhere, so you know exactly where you stand.

A score of 750 and above qualifies you for the best interest rates. Scores between 650–749 are acceptable but may attract slightly higher rates. We also help clients with lower scores improve their credit profile before applying.

Personal loans can be approved within 24–72 hours with complete documentation. Home loans typically take 7–15 working days due to property verification. We ensure your documents are in order to avoid unnecessary delays.

Absolutely. We offer loan restructuring and balance transfer advisory. If your current interest rate is higher than available market rates, we can help transfer your loan to a lender with better terms — saving you significant money over the tenure.

Key tax-saving instruments under the Income Tax Act:

• Section 80C — ELSS, PPF, NSC, LIC premiums (up to ₹1.5L)
• Section 80D — Health insurance premiums
• Section 24(b) — Home loan interest deduction
• NPS (80CCD) — Additional ₹50,000 deduction

We build a complete tax-saving plan tailored to your income and goals.

It depends on your individual situation. If you have significant deductions (HRA, 80C, home loan), the Old Regime often works better. If you prefer simplicity with fewer deductions, the New Regime's lower slab rates may benefit you. We calculate both scenarios and recommend the optimal option each year.

ELSS (Equity Linked Saving Scheme) funds qualify for tax deduction under Section 80C up to ₹1.5 lakh per year. They have the shortest lock-in (3 years) among all 80C instruments and have historically delivered strong equity-linked returns.

STCG (Short-Term Capital Gains): Equity funds sold within 1 year — taxed at 20%.

LTCG (Long-Term Capital Gains): After 1 year — gains above ₹1.25 lakh taxed at 12.5% (FY 2024-25 rules).

We factor in tax efficiency when designing your portfolio to minimise unnecessary outflows.

Yes! We offer end-to-end ITR filing for individuals, salaried employees, business owners, and NRIs. We ensure all eligible deductions are claimed accurately so you pay only what you legally owe — nothing more.

You can reach us via:

• 📧 Email: info@easygoingfinancial.in
• 📞 Phone / WhatsApp: +91 88516 12475
• 🌐 Website: easygoingfinancial.in
• 🗓️ Topmate: topmate.io/thakur_vivek

Our team responds within 24 business hours, Mon–Sat, 9 AM–7 PM.

Absolutely. We use bank-grade security for all data transmission and strictly adhere to India's data protection guidelines. Your information is never shared with third parties without your explicit consent. We follow a zero-conflict advisory model — your trust is our foundation.

For most services you will need:

• PAN Card (mandatory for all investments)
• Aadhaar Card (for KYC)
• Cancelled cheque / Bank passbook
• Passport-size photograph
• Income proof — salary slip or ITR (for loans and select investments)

We guide you through every step — no paperwork stress.

We follow a zero-conflict advisory model. As an AMFI-registered distributor, we receive trail commissions from fund houses — these are already built into the mutual fund expense ratio and cost you nothing extra. Our only incentive is your portfolio growth. We provide written action plans with specific fund names and SIP amounts. No product pushing, ever.

Yes! When you refer a friend or family member who becomes a client, both of you receive exclusive benefits. Ask your advisor about our current referral rewards programme — it is our way of thanking you for your trust and support.