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LIC Dhan Sanchay Plan: Review – Is it Good or Bad?

by Holistic Leave a Comment | Filed Under: Insurance

Listen to this article


When I visited my relatives’ house, I saw him reviewing some documents. That’s when I noticed those were insurance documents.

Then I asked, “Why do you need them?”

He said, “What a silly question is that? Of course for financial security. It is a double benefit plan. In this way, I can grow my wealth and can get life protection. It can give me guaranteed benefit when I retire.”

Then I noticed that they are not some insurance plan documents but rather insurance plus savings schemes.

So, I again asked, “Why do you need them?”

“How sure are you about the guaranteed benefit.”

“How sure are you that it can help you to replace your retirement income?”

“How sure are you about beating the inflation rate?”

Imagine, that there are many insurance plans available that can give you both savings and life protection.

Some of LIC’s insurance plans are also available under these schemes.

But is it worth adding them to your investment portfolio?

Here, in this article, we are going to analyse the LIC Dhan Sanchay and discover whether you should add this plan to your investment portfolio or not.

Table of Content:

1.) What is LIC Dhan Sanchay Policy?

2.) Features of LIC Dhan Sanchay Plan

3.) Benefit Options of LIC Dhan Sanchay Plan

4.) Eligibility of LIC Dhan Sanchay Plan

5.) Benefits of LIC Dhan Sanchay Plan

6.) IRR of LIC Dhan Sanchay Plan

7.) LIC Dhan Sanchay vs. PPF + Term Insurance

8.) LIC Dhan Sanchay vs. ELSS + Term Insurance

9.) Advantages of LIC Dhan Sanchay Plan

10.) Disadvantages of LIC Dhan Sanchay Plan

11.) How to cancel the LIC Dhan Sanchay Plan during the free look period?

12.) How to surrender the LIC Dhan Sanchay Plan during the free look period?

13.) Final Verdict on LIC Dhan Sanchay Plan Review

What is LIC Dhan Sanchay Policy?

LIC Dhan Sanchay policy is a non-linked, individual insurance plan that offers both savings and life protection. This plan promises a guaranteed payout when the policy matures. The LIC Dhan Sanchay plan claims that this plan can help the policyholder’s family if something unfortunate happens to the policyholder.

Features of LIC Dhan Sanchay Plan:

  • LIC Dhan Sanchay Plan is an individual, non-linked, insurance cum savings plan.
  • There are 4 options to choose from. The premium paying term & other benefits will be decided based on this option.
  • The loan option is available.

Benefit Options of LIC Dhan Sanchay Plan:

Option Feature
Option A Limited/Regular premium – Level income benefit
Option B Limited/Regular premium – Increasing income benefit
Option C Single premium – Level income benefit
Option D Single premium – Enhanced cover with level income benefit

Eligibility of LIC Dhan Sanchay Plan:

Benefits of LIC Dhan Sanchay Plan:

Death Benefit:

A death benefit is payable on death if the policyholder passes away, unfortunately before the maturity of the policy.

The death benefit shall be paid as a lump sum or through instalments over 5 years.

The death benefit can be varied based on the benefit option chosen by the policyholder.
Options A & B:

Sum Assured on Death shall be paid from the highest of the following.

  • 11 times of annual premium
  • Sum Assured on Maturity
  • 105% of the total premium paid

Option: C

  • Sum Assured on Death
  • 1.25 times a single premium
  • Sum Assured on Maturity

Option: D

Sum Assured will be 11 times a single premium

Maturity Benefit:

Maturity benefits shall be paid in the form of Guaranteed Income Benefit and Guaranteed Terminal Benefit.

Guaranteed Income Benefit:

It is payable in advance during the Pay-out Period from the date of maturity and thereafter, based on the Pay-out Mode opted by the policyholder.

On the death of the Life Assured during the Pay-out Period, the Guaranteed Income Benefit shall continue to be paid to the nominee.

Guaranteed Income Benefit =Annualised/Single Premium X GIB Multiple X Modal factors for GIB
GIB Multiples applicable for Option A & Option B are as under:

option

Policy Term Premium

Paying Term

Payout

Period

GIB

Multiple

Option A – Level

Income Benefit

10 5 5 1.10
10 10 10 1.30
15 5 5 1.40
15 10 10 1.60
15 15 15 1.65

Option B – Increasing

Income Benefit

10 5 5 1.00
10 10 10 1.05
15 5 5 1.25
15 10 10 1.30
15 15 15 1.30

GIB Multiples applicable for Option C & Option D are as under:

option Policy Term Payout

Period

GIB

Multiple

Option C: Single Premium Level Income Benefit 5 5 0.25
10 10 0.18
15 15 0.16
Option D: Single Premium 

enhanced cover with Level Income Benefit

5 5 0.20
10 10 0.15
15 15 0.10

The applicable Modal Factor for GIB shall be as under:

Payout Mode Modal factor for GIB
Yearly 1.0000
Half-yearly 0.5050
Quarterly 0.2537
Monthly 0.0850

Guaranteed Terminal Benefit:

Guaranteed Terminal Benefit (GTB) as a lump sum payment shall be payable along with the last installment of Guaranteed Income Benefit (GIB)

Guaranteed Terminal Benefit= Annualized/Single Premium X GTB Multiple X Modal factor for GTB

Option Age at Entry GTB Multiple for Policy Term (Payout Period)
10 (5) 10(10) 15 (5) 15 (10) 15 (15)
Option A -Level
Income Benefit
20 1.9659 2.0372 2.7260 3.7996  5.1431
40 1.7459 1.8202 2.2881 3.2762 4.0068
Option B – Increasing

Income Benefit

20 1.9986 2.5316 2.9028 4.2653 4.2260
40 1.7787 2.3151 2.4649 3.7447 3.0958
Option Age at Entry GTB Multiple for Policy Term (Payout Period)
5 (5) 10 (10) 15 (15)
Option C: Single Premium Level

Income Benefit

20 0.1627 0.3724 0.9277
40 0.1615 0.3606 0.8707
Option D: Single Premium enhanced

cover with Level Income Benefit

20 0.3568 0.5014 1.6821
40 0.2572 0.0469 0.2216
Payout Mode Modal factor for GIB
Yearly 1.000
Half-yearly 1.020
Quarterly 1.035
Monthly 1.045

Optional Benefits of LIC Dhan Sanchay:

a. Rider Benefit:

For Option A & B

LIC’s Accidental Death and Disability Benefit Rider (UIN: 512B209V02)

LIC’s Accident Benefit Rider (UIN:512B203V03)

LIC’s New Term Assurance Rider (UIN: 512B210V01)

LIC’s New Critical Illness Benefit Rider (UIN: 512A212V02)

LIC’s Premium Waiver Benefit Rider (UIN: 512B204V03)

For Option C & D

LIC’s Accidental Death and Disability Benefit Rider (UIN: 512B209V02)

LIC’s New Term Assurance Rider (UIN: 512B210V01)

b. Option to take death benefit in instalment:

The policyholder has the option to receive the death benefit through instalments over 5 years. This shall be paid in yearly, half-yearly, quarterly, and monthly modes.

Mode of Instalment Minimum Instalment amount
Monthly  5,000
Quarterly 15,000
Half-Yearly 25,000
Yearly 50,000

c. Option to receive the maturity benefit in Lumpsum:

If the Life Assured / Policy holder chooses this option under an existing policy, a lump sum equal to the “Sum Assured on Maturity” will be paid.

“Sum Assured on Maturity = Annualized/ Single Premium multiplied by Maturity Benefit Multiplier.”

Sample Maturity Benefit Multiplier applicable for the options are as under:

Option Age at Entry Maturity Benefit Multiplier for Policy Term(Payout Period)
10 (5) 10(10) 15 (5) 15 (10) 15 (15)
Option A-Level Income Benefit 20 6.4688 11.3480 8.4104 14.7317 19.2615
40 6.4687 11.3376  8.0635 14.4219 18.7589
Option B-Increasing IncomeBenefit 20 0.3568 0.5014 8.4063 14.7064 19.2182
40 6.2945 11.2095 8.0595 14.3983 18.7183
Option Age at Entry GTB Multiple for Policy Term (Payout Period)
5(5)

10(10)

15(15)

Option C: Single Premium Level Income Benefit 20 1.2452 1.6247 2.0575
40 1.2442 1.6177 2.0323
Option D: Single Premium enhanced cover with Level Income Benefit 20 1.1756 1.4670 1.7735
40 1.0967 1.1980 1.1275

d. Option to commute the outstanding instalment during the payout period:

If the Life Assured / Policy holder chooses this option under an existing policy, a lump sum equal to the “Sum Assured on Maturity” will be paid.

Under the in-force policy, the lump sum shall be payable from the highest of the following:

  • Sum Assured on Maturity minus sum total of Guaranteed Income Benefit already paid; or
  • The discounted value of outstanding pay-outs i.e. unpaid Guaranteed Income Benefit and Guaranteed Terminal Benefit.

Under the paid-up policy, the lump sum shall be payable from the highest of the following:

  • Maturity Paid-up Sum Assured minus sum total of Reduced Guaranteed Income Benefit already paid; or
  • The discounted value of outstanding pay-outs i.e. unpaid Reduced Guaranteed Income Benefit and Reduced Guaranteed Terminal Benefit.

Payment of Premium LIC Dhan Sanchay Plan:

Premium can be paid through yearly, half-yearly, quarterly and monthly modes or through salary deduction.

Grace Period:

The grace period is available only for options A and B. The grace period is 30 days for yearly, half-yearly, and quarterly modes and 15 days for monthly modes. This grace period applies to the riders’ option.

Revival:

The revival option is available only for options A and B.

The coverage will lapse if the premiums are not paid during the grace period.

A lapsed insurance can be reactivated after 5 years from the date of the First Unpaid Premium but before the date of maturity.

Paid-up value:

The paid-up value is available on options A and B.

If at least two full years’ premiums have been paid and any future premiums have not been paid, the insurance will be considered paid up until the conclusion of the policy term.

‘Death Paid-up Sum Assured’ = Sum Assured on Death *(The total period for which premiums have already been paid / the maximum period for which premiums were originally payable)

‘Maturity Paid-up Sum Assured’ = “Sum Assured on Maturity” *(the total period for which premiums have already been paid / the maximum period for which premiums were originally payable).

The Reduced Guaranteed Income Benefit = Guaranteed Income Benefit*(“Maturity Paid-up Sum Assured” / “Sum Assured on Maturity”)

Reduced Guaranteed Terminal Benefit = Guaranteed Terminal Benefit *(“Maturity Paid-up Sum Assured” / “Sum Assured on Maturity”)

Policy loan:

The loan option is available before the start of the pay-out period.

For “Option A & B – loan can be provided at least two full years’ premiums have been paid.”

For Option C & D – A loan will be provided after 3 months from the issuance of the policy.

Loan amount:

For Options A & B – In force policy can get up to 90% of the surrender value, Paid-up policy can get up to 80% of the surrender value.

Option C & D – Up to 75% of surrender value

IRR of LIC Dhan Sanchay Plan:

Now, let’s calculate the IRR of the LIC Dhan Sanchay Plan by using the LIC return calculator for 4 options.

Option: A

Annual Premium: Rs. 1,00,000

Premium Term: 15 years

Policy Term: 30 years

In option A, we will get an IRR of 4.18%. At the end of the policy term, we will get Rs. 5,65,680 as maturity benefit and Rs. 11, 00, 000 as the death benefit. We will get a Guaranteed payout from the
16th policy term onwards.

Option: B

Annual Premium: Rs. 1,00,000

Premium Term: 15 years

Policy Term: 30 years

Option B
Age Year Option B Death Benefit
41 1 -1,00,000 11,00,000
42 2 -1,00,000 11,00,000
43 3 -1,00,000 11,00,000
… … … …
55 15 -1,00,000 11,00,000
56 16 -1,30,000
… … …
70 30 5,66,971
IRR 4.53%

In Option B, we will get an IRR of 4.53%. At the end of the 30 years, we will get the maturity benefit of Rs. 5, 66, 971 and a death benefit of Rs. 11, 00, 000. From the 16th policy term onwards we will get a guaranteed payout.

Option: C

Annual Premium: Rs. 10,00,000 (lumpsum)

Policy Term: 30 years

Option C
Age Year Option B Death Benefit
41 1 -10,00,000 12,50,000
42 2 0 12,50,000
43 3 0 12,50,000
… … … …
55 15 0 12,50,000
56 16 -1,60,000
… … …
70 30 10,30,700
IRR 5.23%

If we purchase the policy by paying a single premium term, then at the end of the policy term, we will get an IRR of 5.23% and Rs. 10,30,700 as the maturity benefit and Rs. 12,50,000 as the death benefit.

Option: D

Annual Premium: Rs. 10,00,000 (lumpsum)

Policy Term: 30 years

Option C
Age Year Option B Death Benefit
41 1 -10,00,000 1,10,00,000
42 2 0 1,10,00,000
43 3 0 1,10,00,000
… … … …
55 15 0 1,10,00,000
56 16 -1,00,000
… … …
70 30 3,21,600
IRR 2.43%

Then from the 16th year onwards, we will get Guaranteed Income and at the end of the policy term, we will get an IRR of 2.43%. After 30 years, we will get a maturity benefit of Rs. 3, 21, 600, and Rs. 1,10,00, 000 as death benefit.

Investment Options IRR (Internal Rate of Return) Maturity Benefit in lacs Death Benefit in lacs
Option A 4.18% 5.65 11
Option B 4.53% 5 11
Option C 5.23% 10 12.50
Option D 2.43% 3 1.10 cr

Now, let us analyse by comparing the LIC Dhan Sanchay Plan with other investments and check whether LIC Dhan Sanchay gives us a better return or not.

LIC Dhan Sanchay vs. PPF + Term Insurance:

Overall contribution Rs. 1,00,000

Term Insurance:

Annual Premium: Rs. 7,500

Tenure: 15 years

Sum Assured: Rs. 11,00,000

PPF Contribution: 92,500

Interest rate: 7.10% without taking any investment risk

Term Insurance + PPF
Age Year Term Insurance + PPF Death Benefit
41 1 -1,00,000 11,00,000
42 2 -1,00,000 11,00,000
43 3 -1,00,000 11,00,000
… … … …
55 15 -1,00,000 11,00,000
56 16 1,50,000
… … …
70 30 24,61,436
IRR 6.23%

At the end of the 30 years, we will get an IRR of 6.23% and Rs. 24, 61, 436 as investment return.

Investment Options IRR (Internal Rate of Return) Maturity Benefit in lacs Death Benefit in lacs
Option A 4.18% 5.65 11
Option B 4.53% 5 11
Option C 5.23% 10 12.50
Option D 2.43% 3 1.10 cr
PPF + Term 6.23% 24 11

Observation:

LIC Dhan Sanchay is not able to beat the returns from PPF. Term insurance + PPF combination provides better returns along with the life cover and tax benefits,

LIC Dhan Sanchay vs. ELSS + Term Insurance:

Overall contribution Rs. 1,00,000

Term Insurance:

Annual Premium: Rs. 7,500

Tenure: 15 years

Sum Assured: Rs. 11,00,000

ELSS Contribution: 92,500

Assumed Interest rate: 12% with investment risk

Term Insurance + ELSS
Age Year Term Insurance + ELSS Death Benefit
41 1 -1,00,000 11,00,000
42 2 -1,00,000 11,00,000
43 3 -1,00,000 11,00,000
… … … …
55 15 -1,00,000 11,00,000
56 16 1,50,000
… … 1,50,000
70 30 99,11,813
IRR 10.48%

At the end of the 30 years, we will get an IRR of 10.48% and Rs. 99,11,813 as investment return. After adjusting for tax liability, we will get Rs. 91,19,276 as post-tax maturity value.

Investment Options IRR (Internal Rate of Return) Maturity Benefit in lacs Death Benefit in lacs
Option A 4.18% 5.65 11
Option B 4.53% 5 11
Option C 5.23% 10 12.50
Option D 2.43% 3 1.10 cr
ELSS + Term 10.48% 91 11

Observation:

ELSS + Term insurance combination provides a much higher return compared to LIC Dhan Sanchay.

Though Mutual Fund ELSS has market risk, it provides

  • Better long-term return
  • Inflation Beating Return
  • Higher Risk Premium Return.

Advantages of LIC Dhan Sanchay Plan:

  • There are four alternative benefit options from which to pick.
  • The flexibility to receive the death benefit in instalments.
  • The maturity benefits (payouts) are available in a lump sum.
  • Because it is not tied to the market and is non-participating insurance, the benefits are assured.
  • There is a loan facility available.
  • Option D has a higher life cover than the other alternatives. However, the payoff is lower (will get a low IRR value).

Disadvantages of LIC Dhan Sanchay Plan:

  • The lock-in duration is two years (for paid-up/surrendered accounts).
  • Though there are four alternatives to pick from, once chosen, they cannot be changed.
  • The payouts cannot completely replace your retirement income.
  • It is neither a good insurance plan nor a good investment plan.
  • Option C’s maturity benefit is taxed. Because it does not meet the conditions of Section 10, (10D). (It must be at least ten times the annualised or single premium.)
  • Though there is an option to receive the death benefit in instalments, the rate at which it is calculated is 5 years semi-annual G sec rate minus 2%, which is quite low.
  • The coverage can be abandoned after two years, but you will not be reimbursed for any premiums paid thus far.

How to cancel the LIC Dhan Sanchay Plan during the free look period?

If the policyholder is not satisfied with the terms and conditions, then he can surrender the policy by stating the reason within 30 days from the date of the policy purchased.

How to surrender the LIC Dhan Sanchay Plan during the free look period?

“Options A and B – can be surrendered at any point throughout the insurance term as long as at least two full years’ premiums have been paid.”

Options C and D – Can be cancelled at any point throughout the insurance term.

Options A & B

The Guaranteed Surrender Value = The total premiums paid * The Guaranteed Surrender Value factor.

Guaranteed Surrender Value factors for Option A & Option B
Policy Year Policy Term
10 15
1 0.00% 0.00%
2 30.00% 30.00%
3 35.00% 35.00%
4 50.00% 50.00%
5 50.00% 50.00%
6 50.00% 50.00%
7 50.00% 50.00%
8 65.00% 54.29%
9 90.00% 58.57%
10 90.00% 62.86%
11 – 67.14%
12 – 71.43%
13 – 75.71%
14 – 90.00%
15 – 90.00%

Option C & D

First 3 years – 75% of the single premium

3 years + – 90% of the single premium

For more details, you can read the LIC Dhan Sanchay Plan Brochure here.

Final Verdict on LIC Dhan Sanchay Plan Review:

We are investing our money to grow our wealth. We are taking an insurance plan to secure our family during our absence.

LIC Dhan Sanchay Plan cannot give us an inflation-beating return.

So, if you want to invest your money to grow your wealth, and if you don’t want to take any investment risk then you can choose PPF, RBI bonds, and other risk-free investment plans.

Or if you want, you can choose mutual funds to get an inflation-beating return.

As for life protection, you can choose pure term insurance at the lowest price.
If you have any comments or questions, write them in the comment box below.

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Jey S
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24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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