The next 15

minutes could
change your life…

Forever…
 We are the ultimate destination for all your Financial needs as we at JSR Finance help
you compare & choose from various financial products across categories.
We work with over 75 partners that include India's leading Banks, NBFCs, Insurance
companies & mutual fund houses with operations that span over 200 cities across the
country and offer more than 100 financial products.
Our services includes the following propositions
Financial Planning
Comprehensive financial planning helps the client in achieving...
Wealth Management
Wealth management combines both financial planning and specialized...
Loans
In finance, a loan is the lending of money by one or more...
Insurance
Insurance is a critical component of a comprehensive financial...
Investment
Investment planning is a process that begins when you are clear...
Mis-selling Of Financial Products
 Why institutions sell it ??
01 Make aggressive sales goals a condition of continued employment.

02 Pay for sales achieved without independent customer confirmation of those sales

03 Reviews limited to just quarterly findings

04 Predicate compensation only an revenue measures predicate compensation

only an revenue measures.

05 Works only for incentives & bonuses.

Financial products mis-selling_ Banks continue mis-selling financial products_ Here's what you must know to protect yourself.html
What is the Solution??
Personal
Financial Planning
...your move towards financial independence
 What 360° Financial Planning??
It is the process of helping you …
• identify and prioritise your goals
• realize them in a planned, disciplined and systematic manner
…by taking a holistic view of your financial life.
360° Financial Planning – A 4 Step Approach
Step 1 Where you stand now? Financial Status Analysis

Step 2 Where do you want to go? Goal analysis

Step 3 How to get there? Tools

•Cash Flow Planning •Children's Future Planning
•Investment Planning •Tax Planning
•Insurance (Protection) Planning •Retirement Planning

Step 4 Regular Review of progress…

 • Regular Income
• Health Insurance
• Preservation of Capital Retired

• Health Insurance Need

Pre Retiree
• Tax Minimization
• Retirement Planning

• Life / Health Insurance Need

• Tax Minimization
• Retirement Planning Middle
Income

Aged
• Life / Health Insurance
• Provision for Child Education and
Marriage
• Wealth Creation and
Accumulation

• Asset Acquisition
• Protection against
Disability
• Short Term Needs
Unmarried
• Income Protection
• Protection against Liabilities
• Wealth Creation and Accumulation
Young Married with
Children
Young Married

Childhood

Age
Three Pillers Of financial
Planning

Cash
.
Income
Growth
 CASH INCOME
First, take care of your emergency Next, create an Income Portfolio with
cash needs. Cash portfolio should be a regular interest income stream equal
appox.2 times of Average Monthly to your Fixed Monthly Household
Household Expenses. Expenses.
.

GROWTH
Invest the balance in Growth Portfolio.
The balance savings should be invested
in growth schemes for Wealth
Creation & meeting your future goals.
DREAM HOUSE

WEALTH CREATION

EDUCATION

RETIREMENT PLANNING
WEDDING

And Many More….

 Infographic Style
1. Identify sources of cash inflows
2. Create cushion for
emergencies
3. Prioritise goals
Cash Management
4. Estimate future outflows
5. Match inflows and outflows
1. Risk Profiling
2. Asset Allocation and Construction of
Portfolio
3. Creation and Accumulation of Wealth
through Systematic Investment Plans
Investment Planning (SIPs).
4. Regular Review of progress and
Rebalancing of Portfolio
 Infographic Style
For protection against unforeseen …
1. Identify and Evaluate risks on your life,
health and assets.
Insurance Protection 2. Make provisions for adequate
Planning coverage using appropriate products.

1. Compute the amount required to fund specific goals like

your Children's
Education and Marriage, Dream House, Bigger Car,
Overseas Vacation…

2. Calculate the lump sum amount or systematic investment

Children’s Future amount required to fund that goal.
and other
3. Periodic Review of actual investment performance and
Rebalancing of
Portfolio.
Start investing early – it makes an exponential difference

Mr. Mohan started investing Rs.4000 per month at the age of 30 and his friend Mr. Sohan
started slightly late at age 40. He invested Rs.6000 per month. When both of them retired at
age 60.

Mr. Mohan Mr. Sohan

Age at which began investing (yrs) 30 40

Monthly Investment Amount (Rs.) 4000 6000

Total Amount Invested (Rs.) 14,40,000 14,40,000

Corpus at age 60 (Rs.) 91,17,301 45,94,181

Mr. Mohan is a richer man by almost Rs. 45,00,000 !

 The Power of Compounding

Mr. Ram starts investing early at age 25 and continues for just 10 years. Mr. Shyam starts
late and invests for 26 years. If both invested Rs.12,000 p.a. how much will they have at age
60 ?

Mr. Ram

Mr. Shyam

Age at which began investing (yrs) 25 35

Investment till age (yrs) 34 60

Total Amount Invested (Rs.) 1,20,000 3,12,000

Corpus at age 60 (Rs.) 25,07,275 14,41,199

Corpus
The Increases
Magic of Compounding… 21 fold 5 fold
Why JSR Finance?
Great choices

Hassle-free process

Within easy reach

Commitment

Relations
 CM
We have a Team of Certified Financial Planner (CFP )certification
program, where they use their unique scientific method which identifies
the right product as per your financial goals in 4 easy steps:

1. Need Analysis: Identifying your goals, preferences and risk appetite.

2. Scheme Selection: Presenting you with a set of schemes that help you
achieve the goals.

3. Efficient Execution: Being with you every step of the way.

4. Review : Time to Time Review of your Portfolio.

 Benefits to our channel partners

01 02 03 04 05
Branding Referral Bonus New customer Pay-out
Increase in Sales acquisition

Volume increase
Listed as channel Every customer who Pay-out in JSR pay
partner on our app & downloads our through We will provide vouchers wallet on every product
Due to issuance of website. your unique referral code to our different clients. purchased
voucher after a customer
downloads our app
through your unique Through Vouchers to You will earn wallet
referral code. our customers money

*500rs
Customer Delight Financial
Cashback
Planning
Vouchers
GIFTS 04
03
02
01 Free Financial
Planning.
Cashback in JSR pay wallet
on every product purchased

Instant gifts on Free gift Vouchers worth

downloading our RS.500
app