EstaFin Investments is an end-to-end investment advisory and wealth management firm based in Hubballi, Karnataka. We offer tailored financial services and are certified by AMFI and IRDAI.
We provide various financial and investment services, such as:
We were motivated by a vision to make a positive difference in people's lives through financial empowerment. Each client has a story, and enabling them to create a safe financial future through ongoing learning and trust motivates our mission.
Our advantage lies in our moral compass and end-to-end, goal-based approach, which includes:
We accompany our investors, not merely advise at a distance.
Our services are best suited for:
The most prevalent concern is: "What if I lose money?" We recognize this. Our advisors guide investors through risk using:
We guide you with a plan tailored to your needs, help you manage risks, and maintain open communication—so you feel confident about every financial decision you make.
Yes. Our core team holds multiple certifications from NISM and IRDAI, including:
Important: We continually update our knowledge to assist you effectively.
We have gained over 22 years of experience in the industry, with more than 850 happy clients, and strong expertise in ethical, long-term, and client-centric advisory services.
Transparency is of utmost importance to us at EstaFin Investments. Here's how our fee structure works:
If you have questions about fees, feel free to schedule a consultation—we’ll explain everything clearly.
Getting started is simple:
Goal-based investing connects your investments to particular life objectives such as purchasing a home, financing education, or retirement planning, rather than just seeking returns.
Everyone! Whether you are just beginning or approaching retirement, goal-based planning helps add meaning and order to your financial life.
We determine your objectives, evaluate your risk profile, and develop personal investment plans. We monitor your progress regularly and adapt as circumstances change.
Yes. It is about outcomes, not merely the performance of the market—more personal, quantifiable, and efficient.
Mutual funds collect money from many investors to invest in securities like shares, bonds, gold, REITs, or other SEBI-approved instruments, managed by professional fund managers.
No. Mutual funds are designed for everyone, including beginners. Professional fund managers handle the investment decisions for you.
Mutual funds are regulated by SEBI for equity and mutual fund schemes, and by the RBI for debt funds.
AMFI promotes transparency, investor education, and ethical practices across the mutual fund industry.
Investing a considerable chunk of money in one go in a mutual fund, normally ₹5,000 or sometimes even ₹1,000.
SIP is an approach to investing a fixed sum periodically (monthly, weekly, etc.) in mutual funds, thereby making investment disciplined and straightforward.
A mutual fund is an investment vehicle; SIP is a mechanism for investing in it periodically.
Use STP when you have a lump sum but would like to transfer it over time to avoid market timing risks.
Invest as early as possible and invest regularly, depending on your financial objectives, not market timing.
Depends on your investment objectives, market scenario, and tax implications. Please discuss—we will guide you effectively.
Active funds are handled by professionals seeking to beat the market; passive funds follow market indexes such as the SENSEX or the NIFTY.
Depends on your objectives, risk appetite, investment horizon, and expenses.
Lock-in varies with the fund type. Certain funds, such as ELSS, have compulsory lock-ins.
Employ a Systematic Withdrawal Plan (SWP) to withdraw fixed amounts at regular intervals without disturbing your investments.
Yes. You can use your mutual fund units as collateral to get a loan without having to sell them. Call us for details.
Life insurance supports your family financially in the event of your premature death. It keeps them safe from financial liabilities.
We assist you in selecting the most suitable plan—Term Insurance, Whole Life, ULIPs, or Endowment Plans—based on your specific needs.
This varies based on your income, liabilities, dependents, and objectives. We help determine the correct sum assured for you.
Yes, and at times it's recommended depending on your changing needs and life stage.
It's a pure cover policy that gives high life insurance cover at a fairly low premium for a specified period (e.g., 20–30 years).
It offers maximum protection at a minimum cost, perfect for securing your family's future.
Pure term insurance does not have any maturity benefit. Return-of-premium plans are also offered, however.
We assist you in choosing based on your age, earnings, loans, family requirements, and future objectives.
It refers to having sufficient savings, income, and insurance to live the lifestyle you want and cover health costs after retirement.
Today. The sooner you plan, the simpler it is to create a secure retirement corpus.
We use many tools such as personalized projections, SIPs, NPS, annuity schemes, and goal-based planning tools to help you plan your retirement.
Yes. Medical expenses often increase with age. Good health coverage is a necessity after retirement.
PMS is a professionally managed investment facility for High Net-Worth Individuals (HNIs) wherein portfolios are personalized and invested directly in shares and other securities.
HNIs who are seeking individualized investment approaches with greater risk tolerance and a portfolio size of ₹50 Lakhs or more.
PMS is more personalized than mutual funds. It offers direct share ownership, and increased transparency compared to pooled mutual fund investments.
There may be management fees, performance fees, and custodian fees. We make general charges transparent to you before you invest.
Yes. You can also pledge your units of a mutual fund to obtain a loan from some banks or NBFCs.
Lenders typically lend 50% of the fund's value, depending on the scheme and the institution.
No. Your units remain invested and continue to earn returns. Only a lien is lodged until the loan is returned.
We guide you through lender choice, online process, and step-by-step support to make the loan experience smooth.