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Rule # 1: Never lose money. Rule # 2: Never forget Rule # 1 - Warren Buffet

Investment Plans

Dhanayoga offers ready made investment plans to meet a range of investor needs such as Monthly Income, Wealth Accumulation, Tax Savings, Women and Children's Saving, Smal Savings, International Investing, Gold linked savings, Government Bonds, Fixed Deposits, Alternative Investments and more..

For further details, click on each of the fifteen Tabs arranged in three groups, as below
  • Dhana Nitya
  • Dhana Lakshya
  • Dhana Akshaya
  • Dhana Akara
  • Dhana Vatsa
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Dhana Nitya (नित्य) - Monthly (or) Quarterly Income Plan 
​
Purpose
  • Generate a regular monthly income

​Who is it for?
  • Salaried persons seeking to augment their monthly income with better returns
  • Self employed or start-up entrepreneurs who require a regular monthly income to take care of family needs, until new business income flow stabilizes
  • Retired or elderly persons, who wish to receive ongoing monthly income
  • Non-resident Indians (NRIs) who wish to provide a regular income source for their elderly parents living in India

​Details
  • Invest Lump sum & Earn Monthly Income 
  • Invest: Rs. 1 Lakh (lump sum) or above
  • For: 3 Years or more
  • ​Return: 9.12% p.a or more
  • Get Principal back with 1% appreciation

​
​Illustration
  • Invest: Rs. 5 Lakh lump sum
  • For: 3 Years
  • Earn Rs. 3,650 per month for 36 months + get Principal amount back with 1% bonus (i.e., Rs, 5,05,000)
Dhana Lakshya (लक्ष्य) - Goal Oriented Recurring Deposit Plan

​Purpose
  • Achieve medium term life goals

​Who is it for?
  • Salaried persons seeking to acquire property, vehicle, durable,  save for children education or family holidays
  • Self-employed, start-ups or business firms seeking to build a corpus for future growth or expansion
  • Young people who wish to save on the job and fund one's own higher education
  • Working women who seek to create contingency fund to tide over job breaks or sabbatical

​Details
  • Invest monthly & Get back lump sum
  • Invest: Rs. 1,000 p.m or above
  • For: 3 Years or more
  • ​Return: 11% p.a or more
  • Get Lump sum amount back

​
​​ Illustration
  • Invest: Rs. 11,679 per month
  • For: 3 Years
  • Get lump sum amount of Rs. 5,00,000
​
Dhana Akshaya (अक्षय) - Retirement Fund Builder Plan

​Purpose
  • Create retirement funds & eternal wealth

​Who is it for?
  • Salaried persons seeking to create a substantial corpus for a comfortable post retirement living
  • Self-employed or business persons who wish to retire early and enjoy comfortable post-retirement living
  • Business Persons or Individuals who wish to leave a legacy for their descendants
  • Business Persons or Individuals who wish to financially support a not-for-profit trust or social foundation

​Details
  • Invest Monthly and get Lump sum (or) Invest Lump sum & Earn Monthly
  • Invest: Rs. 1 Lakh (lump sum) (or) Rs. 1,000 p.m or above (monthly)
  • For: 6 Years or more 
  • ​Return: 12.5% or more

Illustration
  • Invest: Rs. 4,722
  • For: 15 Years
  • Get lump sum amount of Rs. 25 Lakhs
          (or) 
  • Invest: Rs. 5 Lakhs
  • For: 15 Years
  • Get lump sum of Rs. 29.25 Lakhs (or) Re-invest this amount to earn Rs. 20,000 per month for 25 Years (300 Months).
  • Balance of Rs 23.22 Lakhs remaining in your account (after 25 years) can be willed to descendants (or) donated for a good cause (or) create a trust as you wish
Dhana Akara (​अकर) - Tax Savings Investment Plan

Purpose
  • Reduce Income Tax and also Earn returns

​Who is it for?
  • Salaried persons in 10/20/30% income tax bracket to reduce tax burden and earn good return on investment
  • Self employed or start-up entrepreneurs who wish optimize taxes and earn good returns on the surplus clash
  • Non-resident Indians (NRIs) who wish to save on tax, based on resident status

​Details
  • ​Invest: Rs. 5000 or more (lump sum) or Rs 500 or more (monthly)
  • For: 3 Years or more
  • ​Return: 12.5% p.a or more
​
Illustration
  • Monthly Investment: Rs. 1000
  • Tenure: 3 Years
  • Investor can receive a sum of Rs. 43,861 with tax savings (all three years)
                                  (or)
  • Invest: Rs. 25,000 (lump sum)
  • For: 3 Years
  • Investor can receive a sum of Rs. 35,596 plus tax savings benefit (only for the year in which money is invested)
Dhana Vatsa (वत्सा) - Investing for child's future
​
Purpose
  • Create a fund for children's future education and / or marriage

​Who is it for?
  • Salaried persons seeking to create a substantial corpus for their children over the long term
  • Self-employed or business persons who wish to create a corpus for their children, that is unaffected by business ups / downs
  • Grandparents who wish to gift their grand chidlren's a bright financial future

​Details
  • ​Invest: Rs. 10,000 or more (lump sum) (or) Rs. 1,000 or more (monthly)
  • For: 10 Years or more (recommended) 
  • ​Return: 15.0% or more

Illustration
  • Invest: Rs. 7,177 per month
  • For: 10 Years
  • Child receives a sum of Rs. 20 Lakhs
                                       (or) 
  • Invest: Rs. 5 Lakhs lump sum
  • For: 10 Years
  • Child receives a sum of Rs. 20.23 Lakhs.
  • Dhana Vanita
  • Dhana Vrddha
  • Dhana Videza
  • Dhana Kshema
  • Dhana Vikalpa
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Dhana Vanita (वनिता) - Women's Savings Plan - Achieve financial independence

​Purpose
  • Achieve medium term life goals and get financially independent

​Who is it for?
  • Salaried working women seeking to acquire property, vehicle, durable,  save for children education or family holidays
  • Self-employed women, women led start-ups or business firms seeking to build a corpus for future growth or expansion
  • Young women who wish to save and fund (self sponsor) one's higher education
  • Working women who seek to create contingency fund to take care of job breaks, sabbatical or other needs

​Details
  • Invest monthly & Get back lump sum
  • Invest: Rs. 1,000 p.m or above
  • For: 3 Years or more
  • ​Return: 11% p.a or more
  • Get Lump sum amount back

​​ Illustration
  • Invest: Rs. 11,679 per month
  • For: 3 Years
  • Get lump sum amount of Rs. 5,00,000
Dhana Vrddha (वृद्ध) - Senior Citizen's Monthly Income Plan to Enjoy peaceful retirement

Purpose
  • Generate a regular monthly income

​Who is it for?
  • Retired or elderly persons (55+ yrs), who wish to receive ongoing monthly income
  • Single home maker or elder (55+ yrs), who wish to receive ongoing monthly income 
  • Non-resident Indians (NRIs) who wish to provide a regular income source for their elderly parents / dependents living in India

​Details
  • Invest Lump sum & Earn Monthly Income 
  • Invest: Rs. 1 Lakh or more (lump sum)
  • For: 3 Years or more
  • ​Return: 9.97% p.a or more
  • Get Principal back with 1% bonus
​
​Illustration
  • Invest: Rs. 5 Lakh (lump sum)
  • For: 3 Years
  • Earn Rs. 4,000 per month for 36 months plus get Principal amount back with 1% bonus (i.e., Rs, 5,05,000)

(In partnership with UTI, SBI, HDFC, L&T, Tata, Birla and Sundaram (TVS) Financial Institutions)
Dhana Videza (विदेश) - Global Investing
​
Purpose
  • Grow your wealth with a stake in leading global companies like Apple, Facebook, Google, Microsoft, Boeing, Amazon, Cisco, Intel, Time Warner, Toyota, Hitachi, Alibaba, Tencent, Samsung, Samsonite & more...

​Who is it for?
  • Salaried, Self-employed, Start-ups, Entrepreneurs, Trusts, Family Offices, Companies, Institutions and anyone who wish to diversify their investments into global equities
  • Non-resident Indians (NRIs) seeking diversification into global equities
​
Details
  • Invest Monthly (or) Lump sum
  • Invest: Rs. 25,000 (min)
  • For: 5 Years or more (recommended) 
  • ​Return: 16% p.a (indicative)
Dhana Kshema (क्षेम) - 3-in-1 Plan - Build Wealth + Save TAXES + Get FREE Life Insurance!!

​Purpose
  • Achieve medium to long term goals

​Who is it for?
  • Salaried persons seeking to acquire property, vehicle, durable,  save for children education or family holidays or build retirement fund
  • Young people who wish to save on the job and fund one's own higher education or acquire valuable assets
  • Working women who seek to create contingency fund to tide over job breaks or sabbatical
  • Home makers (or) non-earning family members who wish to benefit from FREE Life insurance cover

​Details
  • Invest monthly & Get back lump sum
  • Invest: Rs. 1,000 p.m or above
  • For: 3 Years or more
  • ​Return: 12% p.a or more
  • Get Lump sum amount back
  • Get FREE Life Insurance coverage - Sum Assured as below
SIP - Systematic Investment Plan i.e., Fixed Amount invested monthly

Insurance Cover
- 10 Times SIP Amount (During Year 1)
- 50 Times SIP Amount (During Year 2)
- 100 Times SIP Amount (Year 3 onwards)​Maximum Life Insurance Cover: Rs. 25 Lakhs
​​
Illustration
  • Invest: Rs. 11,492 per month
  • For: 3 Years
  • Get lump sum amount of Rs. 5,00,000
  • Get FREE Life Insurance of Rs. 11.49L ​
Dhana Vikalpa (विकल्प) - Alternative Asset Investments
​
Purpose
  • Get TWICE the Bank FD returns

​Who is it for?
  • Salaried, Self-employed, Start-ups, Entrepreneurs, Trusts, Family Offices, Companies, Institutions and anyone who wish to earn higher than bank FD or Debt fund returns through alternative asset investments 
​Details
  • Invest lump sum and get lump sum
  • Invest: Rs. 1L (min) to Rs. 1 Cr (max)
  • For: 60 days to 3 years
  • ​Return: Click here
  • Get Lump sum amount with interest
  • Dhana Svarna
  • Dhana Suvidha
  • Dhana Sthira
  • Dhana Suraksha
  • Dhana Uttama
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Dhana Svarna (स्वर्ण) - Gold linked Investment Plan

Purpose
  • Grow your money with stake in gold (or) Accumulate Gold through regular saving

​Who is it for?
  • Salaried persons seeking return on investment in the medium to long term (or) wishing to accumulate gold for daughter's marriage (or) build an asset for the family
  • Self employed or start-up entrepreneurs who wish to diversify their investment (or) accumulate gold for family occasion (marriage, gifting) 
  • Retired or elderly persons, who wish to leave financial legacy to descendants (or) will gold as an asset to descendants
  • Non-resident Indians (NRIs) seeking to protect investment from global uncertainty (or) accumulate gold for marriage
​
Details
  • ​Invest: Rs. 5,000 or more (lump sum) (or) Rs. 1000 or more (monthly) (or) an amount equal to 10g of Gold price
  • For: 6 months or more
  • ​Return: Take back quantity of gold accumulated (24 Carat - 99.99% purity) when you need as Gold coin or Gold bar (or) get returns linked to price of gold
​
Illustration
  • Invest: Rs. 10,000 (lump sum) (or) Rs. 1000 per month
  • For: 6 Months or more
  • Take back Gold accumulated (or) Earn returns linked with the price of gold when you redeem
(In Partnership with Government of India Enterprise and Leading Financial Institutions)
Dhana Suvidha (​सुविध) -Small Savings Plan with FREE ATM Card

Purpose
  • Convenient savings with better returns

​Who is it for?
  • Everyone (salaried, self employed, retired, business), Indians or NRIs who wish to earn significantly BETTER returns than regular savings account
  • Deposit or withdraw anytime, Get FREE ATM Card to Pay for purchases, withdraw cash @ATMs, operate single or joint, set up nominees, 100% Safe & Secure and more..
​Details
  • Open A/c: Rs. 1000 or more
  • For: Any duration
  • ​Return: 6.5% p.a​ vs. 3.5% p.a (Bank S/B A/c)
Dhana Sthira (स्थिर) - Fixed Income Plans

​Purpose
  • Get better than Bank FD returns

​Who is it for?
  • Salaried or Self employed persons seeking safe, secure and higher returns than Bank FDs rate
​
​Details
  • Invest lump sum and get lump sum
  • Invest: Rs. 5,000 (min) to Rs. 1 Cr (max)
  • For: 15 days to 5+ years
  • ​Return: Click here
  • Get Lump sum amount back
Dhana Suraksha (सुरक्षा) - Secure & Steady Return investing in 100% Safe Govt. of India Securities
​
​Purpose
  • Achieve medium term goals (or) earn steady fixed income

​Who is it for?
  • Salaried or Self employed persons seeking to acquire vehicle, durable, save for children education or family holidays
  • Young people who wish to save on the job and achieve future dreams
  • Working women who seek to create backup fund to tide over job breaks
  • Senior Citizens who wish to earn steady monthly income for long tenure of 5 to 30 years

​Details
  • Invest monthly & Get back lump sum (or) Invest lump sum & Get monthly income
  • Invest: Rs. 1,000 p.m or Rs. 2 L lump sum
  • For: 3 Years or more
  • ​Return: 7.00% p.a
  • 100% invested on Govt. of India (GOI) Securities
  • Get Lump sum amount back (or) Get monthly income

​​ Illustration
  • Invest: Rs. 5,000 per month
  • For: 5 Years
  • Get lump sum amount of Rs. 3,60,053​​
Illustration
  • Invest: Rs. 5 L lump sum
  • For: 5 Years
  • Get monthly income of Rs. 2900 + Principal (Rs. 5L) back​​
Dhana Uttama (उत्तम) - Custom Designed and Managed Equity & Multi-asset Portfolios 
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Purpose
  • Create long term wealth with specially customized fully managed portfolios

​Who is it for?
  • Salaried persons seeking to create a substantial corpus for achieving medium to long term goals, incl. retirement needs
  • Self-employed or business persons who wish to retire early and enjoy comfortable post-retirement living
  • Institutions and Trusts (Family Office, Educational, PF Trust) who wish to responsibly grow wealth and deliver superior return to stakeholders
  • Institutions or Individuals who wish to build long term wealth to financially support not-for-profit trusts or a social foundation

​Details
  • Invest Monthly (or) Lump sum
  • Invest: Rs. 40,000 p.m (or) Rs. 5L lump sum or above
  • For: 5 Years or more 
  • ​Return: 20% or more
Besides above offerings, Dhanayoga provides Financial Planning and Investment advisory services specially customized to meet your specific requirements, considering return expectations, risk profile, duration (tenure), liquidity, taxation and associated factors, as applicable.
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​To discuss your specific needs, get in touch >>