About BigRise

Who we are?

BigRise Financial ™ is a premier, No-FEE ‘Financial Advisory’ since 1997 that works dedicatedly for Indian-origin in India and across the globe. We’ve been conferred upon esteemed financial licenses by top regulators of India. This empowers us to advise and recommend: Insurances, Investments and other Financial Products across categories. Further, we have extended relationships with several esteemed license holder partners across India & the globe to offer a variety of local & global financial products. We were amongst the 1^st few companies in India to have upgraded our license to a coveted slot, as recent as 2016.

As an exclusive Zero Consultation-Fee organization, we’re accredited to advice any global Indian-origin investor and facilitate their purchase of high-quality financial instruments that are offered by globally-large financial organizations. We serve Indian-origin (PIO, OCI, NRI & Expats) in over 30+ countries of the world to get them defining financial solutions, fitting their financial goals.  

Our model tremendously favours an investor. We engage with utmost trust and unbiased approach when creating an investment or an insurance portfolio for any Indian-origin client. Even if you were born or living in India or not, as far as you had the remotest of the Indian-origin connection behind you, you could take the advantage & relish, a smooth investing experience in India.

Note: We are not licensed to advice or recommend any product based outside of India. If needed by a client, this is done under our ‘referral-connect’ policy, wherein we connect you with a licensed partner, operating in that particular geography), at no cost.

Within India, if you desire to invest in a financial product or a company that falls outside the purview of our offerings, we handhold you to connect with a trusted partner, not charging any advisory fee. This gives you immense ‘confidence of investing’ in India through a single-window.

Our product offerings for global Indian-origin include, purchasing of the below:

Investments	Insurances	Other Products
Guaranteed Return ProductsMutual FundsNational Pension System (NPS)	Life InsurancesHealth InsurancesGeneral Insurances	Home & Personal LoansProperty Capital Gain Bonds (54EC)NRE/ NRO Banking Accounts

Our service offerings for global Indian-origin include financial planning for the below:

Investments	Insurances	Wealth
Income GenerationEducation FundsRetirement CorpusLifestyle UpgradesAny Financial Goal	Life Term PlanCritical IllnessHealth CoveragesAll Liability CoversBusiness Liabilities	Wealth ManagementLegacy CreationMortgage Pay-offsBusiness InvestmentsFamily-office Management

BigRise Financial™ History & Milestones

August 1997	Founder begins recommendations individually in Stocks & Insurances in India
May 1999	Commences recommendations across Indian Mutual Funds.
May 2001	Expands financial recommendation horizon across India
June 2004	Begins overseas advising on personal finance needs to PIO, OCI, NRI & Expats
October 2006	First company formation inducting 5 employees happens under the brand: SCR
August 2012	Indian-origin in over 16+ countries touched & advised on their personal investments
May 2016	Larger licensed company formation happens as: WIIMPL
Aug 2016	Brand name BigRise Financial ™ is conceptualised and born
January 2017	Company establishes a comprehensive IT Platform for global clients to transact                               seamlessly
July 2020	Brand becomes digital to outreach larger community of Indian-origin investors worldwide

As of today, we have touched or catered to Indian-origin across 30+ countries in geographies of:

India/ Asia, UAE/ Middle-East, UK/ Europe, US/ Canada, Kenya, Australia & New Zealand

BigRise Financial ™ as a group is an amalgamation of highly knowledgeable & licensed financial advisors across the globe collectively forming a larger group. We constantly believe in upgrading our team of consultants/ advisors with the latest updates in the financial industry across the globe to bring the most fitting financial solutions to our Indian-origin clients. The advisors’ razor-sharp abilities, caliber, trusted and un-biased financial recommendations to investors in India & the globe, coupled with unique, newest and out-of-the-box financial strategies, puts BigRise Financial ™ in a sweet- spot of being ‘favourites’ in the financial industry. Basis the client needs, we align our advisor to a client, once and for all, for a life time! We all intensely believe in our 6C Value-system – which we abide by and follow diligently.

Our major and by far, the only source of generating business till May 2020 had been through ‘word-of-mouth’. We are now online with a revamped ‘Digital Avatar’! The mission here for our digital transition was the clear intent to help a lot more Indian-origin people across countries by giving them direct access to our financial advisory at NO COST. We truly aim to benefit investors across the globe through our vast legacy of financial knowledge and practical investment experiences that should add substantial worth to their overall financial well-being and portfolio. ‘Addition to our client list’ is the last thing on our minds. We are selective in choosing clients as it needs long-term commitment from both the sides. In our case, we strongly believe that both of us choose each other, mutually. 

Who We Serve

We serve all Indians & Indian-origin people (currently living within or outside India) and willing to invest in an individual capacity or through their companies.

All local currencies of any country are accepted.

The investment brackets are defined as given below:

Note: For insurance coverages, there is no ‘minimum entry investment criteria’, for any category.

Corporate ‘Employee Personal Finance’ (C-EPF) programs:

BigRise Financial ™ also caters to corporate/ companies functional in India (with 10 to 2,00,000 employee-size) that wish to setup our signature: “Employee Personal Finance” (C-EPF) awareness workshops through our ‘Corporate Events’ Team (CE Team) on making their staff aware on finanical topics like:

Simple financial planning techniques, Tax savings under various sections, Targeted Goal Planning, Focusing on Strategic Investments, etc.

The workshop programs could be conducted in a company’s own campus or online, at NO COST at all. The companies may be established in or outside of India, but must have at least one operational office in India (anywhere) with a minimum 10 full-time employees in India.

Note: BigRise Financial ™ promoters, employees and partners are members of various Indian & global financial bodies.

Why Only Us

• Generating equity-equivalent returns from debt investments

This is a highly-demanded expertise area of ours that gets us the most ‘word-of-mouth’ referrals. Here we do detailing of a client’s financial goals and strategically custom-fit them with their investment capability, payment frequencies, surplus investible inputs, etc. to generate high returns to the tune of 4.5% to 9.2% per annum, paper-guaranteed. Utmost focus is kept towards ‘capital protection’ as the predominant selection is a 100% guaranteed debt-base. At a time when investors are heavily risking their capital in lieu of high returns, these guaranteed papers from world-renowned insurers add a perfect balance to their financial portfolio.

HNIs (High Net-worth Individuals) and UHNIs (Ultra High Net-worth Individuals), especially, gain significantly from these as paying larger sums of investments early-on, gets them the ‘delta’ advantage.

• NO-FEE model

Our financial advisory is at NO COST to our clients. In a world where advisory costs you between 1% to 10% extra (as expense each year) and shrinks your returns instead, we confidently sustain a: No fee, No charge model. By virtue of large volumes of business that we generate for our partnered financial organisations, we further absorb all the other costs pertaining to: Travel & other expenses, efforts, etc. as well and not press a client’s portfolio for the same. This actually means year on year savings for our clients that naturally adding gains to their overall portfolio.

• Strategic financial planning and execution

When it comes to country-specific burning & real financial issues like that of: Inheritance tax, lower pensions, over taxation, low yield & returns, etc., we cut-cross multiple financial strategies and instruments that we carry in our arsenal, bringing you definitive financial solutions. This may require us to club-up various products to bring out the desired outcome, a skill that most advisory organizations lack.

Example: As an Indian-origin resident, the ‘Inheritance Tax’ on your estate in Japan could go up to as much as 55%, or if this is United Kingdom (UK), the same could be 40% or upwards. We help you salvage this situation in the eventuality by laying out defining strategies that provision for this liability and bail your family and loved ones out by paying no more than 10%.

Now, you don’t generally get these strategic ideas from your home country advisors, since they do not have a view to cross-country financial strategies and especially the product-basket of a fast-developing country like India. 

• Taxation reduction beyond specified country-norms

Taxation on your earnings always burns a hole in your pocket. This is where, up and beyond the general theory of getting ‘good returns’ being the sole target, our intrinsic & unique philosophy of saving taxation by selecting tax-efficient financial instruments also plays strongly. 

Example: The tax-bracket of an employee or a business person in India earning above INR 10 Lacs (approx. US$ 15K) per annum is 30%. The same tax-rate of approximately 30% applies for even an Indian-origin professional working in Australia earning over AUS$ 180K. We do specific investment-led strategies that may reduce your tax-outgo by at least 50%. This means that your effective tax-rate could come down by 15% or lesser as you invest to generate higher returns. The tax rebate strategies that we understand and carve out are much beyond the permissible limits (pre-decided) by the local tax authorities, in your home country. The investment horizon here could be of a short, mid or long duration, as it fits your financial goal.

• Reduction of your medical or health insurance costs

Keeping stable medical coverages in India, pays in the due run to an Indian-origin visitor coming to India frequently. The reasons to maintain in health cover in India are: Quality coverages, enhanced features, highly-skilled doctors, advanced medical facilities, warm medical attention and lowest healthcare costs. Further, if expats, NRIs, OCIs and PIOs already have their loved ones in India, it makes sense for them to adequately cover them here on ‘heath or mediclaim’ to avoid any exigencies. We have strong presence in the country with popular brands under our umbrella not just to cover across India, but also for handling medical exigencies when travelling abroad. We recommend strategies to lower your premium at the inception, as well as, continually keep costs low, year on year. We popularly set a 10-year strategy to bring down your health coverage costs by a minimum 4% to 5% each year, indeed our strong value proposition for a client.

• Achieving your financial goals in time

This is by far our mastered area which makes us well sought after. We have a strong belief that the financial mind of an individual or a business person, should be much beyond chasing “Delta” gains plainly, all their lives. No investor is bothered to trade-off half a percentage gain, here or there, as far as their goal is achieved at the exact planned time and that the corpus is available at hand to use. We strive to achieve your financial goals in time, up and above the percentage-returns. We are proud to say that we have attained and successfully closed over 96.5% targeted goals for over 2000+ Indian-origin clients world-wide. Further, our process and ‘win-mantra’ involves: customizing your financial solution and executing the plan with confidence and conviction.

• Focused investment products for business establishments in India

This is a hidden-jewel in the investments’ space for a company setup in India or abroad (with an office in India). These are specific strategies that are yet unexplored by your advisors and most relevant for establishments (whether a: Proprietorship, Partnership, Private limited or Limited company). We work closely with a client’s: Chartered Accountants, Tax Advisories, Investment Bankers, Wealth Advisors, Family Offices, Company Secretaries, etc. to handhold them through a straight-route to a highly advantageous tax-efficient organization system. Incidentally, these parties then go on to becoming our biggest word-of-mouth propagators. Business owners haven’t had awareness or attention towards this piece in the financial industry, which effectively does wonders to their overall company’s profit and gains, just by virtue of selecting investment channels correctly. We help a company choose an investment route that serves the purpose of: generating passive income flows, manage overheads & other costs, expand business across India or other geographies, etc. This is a ‘must-execute’ strategy for businesses under section 37(1) of Income Tax Act (1961), India that could get them a minimum 22% plus tax-advantage year on year.

• Strong ‘Portfolio Review’ to add value to your existing financial portfolio

This is where we have a supreme hand! We actually have the ability to internally test the financial ‘status-quo’ of a client, time and again, to constantly bring value add, not just in terms of ‘percentage gains/ delta’, but for features enhancement as well. We do not charge any fee to our existing clients for the purpose of reviewing their existing financial portfolio. We are proud to say that for every review that we do for a client whom we sign up further, we self-donate and contribute INR 5000 for an Indian client (or USD 100 for a global Indian-origin) towards supporting a social cause in India, listed in our ‘Corporate Social Responsibility’ (CSR) section.

Hence, a client contributing to his/ her own financial success by joining us, in turn, also indirectly contributes to a social-cause through our contributions done for them. What is a way to make the world prosper!

At the end of the ‘portfolio review’, an Indian or Indian-origin prospect/ client may expect, not limited to, the following distinct recommendations or outcomes from us:

1. Reduction in premium cost (yearly spends) for existing life coverages,
2. Upgradation of life cover (generally referred to ‘Sum Assured’) at no additional cost,
3. Decreased tenure of liability payment for insurances,
4. Trigger of medical check-ups at no additional cost – if need be,
5. Bail-out strategies on existing non-performing investments,
6. Effective taxation savings across investment assets
7. Enhancement on yield/ returns on existing investments,
8. Increase in bonuses on your life insurance endowment investments,
9. Shift/ change in portfolio-mix (debt vs equity) to be rightfully balanced basis goals.
10. Additional product recommendations to keep as a mix to have a robust & diversified portfolio   
11. Lower existing costs of insurances

‘Insurance costs are bound to go up with age’ – is passé. We have a wide-range of products that could be custom-tailored to fit your financial background and requirements and we could pause the inflation on the insurance costs for life.

Example: An Indian-origin person in: UAE, US, UK, Europe, Singapore or Australia pays a significantly high-cost for a pure life term (or pure life cover or term-life cover). Further, the country’s insurance system constantly reviews your changed medical conditions & age, each year, which may lead to cost increasing for the same cover or your cover decreasing for the same price paid. We here could help you get a life cover from India that would be quite a low-cost affair, at the same time being better on value-add features (like: terminal illness coverages, limited premium payment, return of premium, cover for whole of life, etc.) or have higher sum coverage along ‘level-pay’ feature enabling the premium to be the same for you throughout the period chosen to pay for. What better, if you are based out of India, you save 18% on Indian taxes (GST – Goods & Services Tax) which directly, in turn, becomes 18% discount for you – year on year. These are tiny, yet effective steps to curb insurance costs.  

• Availability of Guaranteed, fully-regulated, high-return & capital protected investments

India is a fast developing country and is bound to move up the ladder in economic and investment growth. We offer top-quality IRDAI (Insurance Regulatory Development Authority of India) and SEBI (Securities and Exchange Board of India) regulated products to all Indians and people of Indian-origin residing overseas, across the globe.

Not so surprisingly, with the developed countries like: Australia, UAE, UK, US, Europe, Singapore, Hong Kong, etc. not offering beyond 0% – 4.5% return on investment (ROI), India as a colossal and emerging super-economy offers returns to the tune of 6.5% – 9.5%. Further, these are high-quality and protected debt/ bonds returns, which are Paper-guaranteed return (guarantees specified in print on paper; products that fit under ‘defined benefit’ range of endowment insurance investments from global leaders. With our select strategies this return is further up-ticked to over 12% plus. The strategies laid-out still guarantee ‘capital protection’ with zero market-risk.

Now, when it comes to equity, you could invest directly in stocks (through our ‘Mutual Fund’ strategies) taking timed and calculated risk on your invested capital, and expecting 12% – 35%. Our inherent focus is to always suggest ‘capital protected’ investments as we specialize all the more into it.

• We give you in-person or face-time based financial advisory

In a rapidly changing world, where technology/ web-enabled services and online-platforms seem to be ‘winning’ for investors who sit behind systems, we prefer to keep it the traditional way. We like and express our willingness to meet a prospective client: in person (in their home country) or on a face-time/ video-based conversation. The simple intention is to place our relationship’s foundation with utmost trust and that painting a ‘face to a name’ that you’re conversing with becomes an essential ingredient to ‘mutual success’. Also, we have seen with our experience that the nuances attached to a financial background of an investor (and capturing of facts therein) are completely missed in an online, remote or distance-based financial advisory platform. Hence, this in turn, becomes a strong point in our offering. We actually, literally, could travel over to your home country to see you in person – to take a deeper understanding of your financial condition, psychology and other parameters. Alternatively, for our existing Indian-origin clients overseas or across in India, we get them to fly in to our location in New Delhi, India. All of this is borne by us as cost. This evidently helps us establish trust between both of us and to continue a smooth relationship thereafter.

• Our licenses are attached to you for a lifetime.

We carry licenses that last forever and the whole idea behind wanting to serve you is to be attached to you and your family – for this complete lifetime! Practically, if we have served you once, it becomes are endeavour to constantly bring value-add to your investment portfolio, time and again. With our timely review mechanism, or on-demand customer initiated meeting requirement, it gets us to meet you again. Wherever you practically maybe in the world, you are served through a dedicated advisor/ planner, once attached to you, and that stays with you (and on job for you) for a whole lifetime. By virtue of the nature of professional licenses an advisor carries, all investments of specific clients come on the advisor’s licensed codes only (and commissions thereafter), keeping his/ her interest naturally high to stick to you – and continually making your investments perform in common interest of both. This fundamental philosophy of ours wins for our clients in the short or long term. This is the basis of our earliest clients being glued to our oldest advisors for over 18+ years, without requiring any change.

Contact us and we will answer your financial queries.