About Us

Learn About Our Team & Culture.

About Us
about us

About Us

GENESIS
They say, the best way to learn is to get your fingers burnt...In our case, the brainwave behind this venture came from burnt fingers of others...
Our biggest stimulation to offer financial planning and wealth management services came out of a late night conversation with a friend who was a guinea pig of advisor friendly investment advice.

Our Vision & Mission
vision

Our Vision & Mission

VISION
To be SACHIN TENDULKAR of financial planning and wealth management industry in India by assisting to create and manage wealth through proficiency and proactive conduct.

Our Team
team

Our Team

The team at OPTIMUS is a carefully assembled group of experienced and credentialed professionals across diverse industries and varied age groups that work closely with you to make sound and empowering financial and life decisions.

Brand Identity
team

Brand Identity

Optimus is a latin word that means ‘one of the best’. We chose this name to reflect the superlative nature of our services and solutions. Our name is paired with the symbol of a five-arch crown. It is a crown of prosperity based on solid foundation.

Services

Check Out Our Services

At OPTIMUS we put in our best efforts & knowledge to INVEST your hard earned money through our world class services, which indeed gives your corpus a GROWTH, so that you can RELAX & in turn be assured of our services, which includes:
  • OPTI Wealth – Wealth Management initiative
  • OPTI FP – Financial Planning initiative
  • OPTI Tax – Tax Planning & Compliance initiative
  • OPTI NRI – Non-Resident Indian Services initiative
  • OPTI Law – Legal initiative
Wealth Management
  • A service offered to individuals to create, manage and maximise wealth.
  • Classified as an advanced type of financial planning to assist individuals, families and corporate in reinforcing and achieving life goals and needs through rational management of their financial resources.
  • It is more than just investment advice, as it includes all stages of the person’s life.
  • It offers a wide range of Products & Services including Investment Planning, Retirement Planning, Insurance Planning, Asset Protection, Tax Planning, Business Succession Planning and Wealth Transfer.
OPTIMUS Edge
  • An exclusive initiative, Opti-Wealth provides you the much-needed focus to set milestones and power to achieve them.
  • As a diligent and proficient wealth management expert; we collaborate and coach our clients to realize their objectives of wealth creation, protection and multiplication through our dynamic approach.
  • Our comprehensive approach symbolises the philosophy of diligence and forward thinking and strives to be constantly alert to the changing market environments.

Wealth Managment Process - How It Happens?


The answer is complex for many but simple for us through a disciplined and time tested approach
Understanding financial goals:
Our Wealth Management Process starts with understanding our clients – their background, investment objectives, risk tolerance and existing investment style. A comprehensive client profiling exercise helps us in evaluating risk appetite and understanding current financial status, which acts as a base for building a sound portfolio.
Reviewing your Portfolio:
To ensure that our clients are on track we constantly monitor their investments and periodically suggest rebalancing portfolio for maintaining the asset allocation or aligning portfolio to changes in macro economic factors that might affect investments. We also review investment preferences or financial goals, which may change over a period and accordingly tweak the investment plan to accommodate the changes.
Planning your Investments:
Based on financial goal, wealth requirements, time horizon and risk tolerance; we construct a suitable asset allocation plan. In this exercise, we also quantify goals and draw out a future cash flow to understand how money will move during various periods. We evaluate and rebalance existing investments as per the suggested asset allocation, in case required.
Portfolio Construction and Execution:
Once we make an optimal asset allocation mix, next step is choosing the mix of financial products from a wide range of investment avenues and evolve with a tailor-made portfolio. Thereafter, it is execution of investments in debt, equity, structured products or alternative asset classes.

Financial Planning
Some time back, we came across a most amazing book on financial planning authored by famous cartoonist Scott Adams. He calls it ‘Everything You Need to Know About Financial Planning’. Adams always wanted to write a book on personal finance. For years he kept on thinking about what all he should include in his book but by the time he had thought through the contents of the book and simplified them to their logical end, he just had 87 words. Yes, that’s words and not pages. Here’s the book in its entirety:-
  • Make a will.
  • Pay off your credit cards.
  • Get term life insurance if you have a family to support.
  • Fund your 401(k) to the maximum.
  • Fund your IRA to the maximum.
  • Buy a house if you want to live in a house and you can afford it.
  • Put six months’ expenses in a money market fund.
  • Take whatever money is left over and invest 70 per cent in a stock index fund and 30 per cent in a bond fund through any discount broker and never touch it until retirement.

We believe that the advice is completely rational. However, since Adams wrote it in the context of personal finance in the US, some of this is not directly applicable in India. Here, we would replace the 401(k) and IRA which are retirement planning tax saving investments in the US with appropriate Indian equivalents such as PF, ELSS, RGESS and other investments available under section 80C.
As for the advice in the last sentence, instead of 70% investment in equity fund and 30% in fixed income fund, one can put money in balanced fund which essentially offers the same mix. This will take care of tracking the returns and rebalancing in the former option.
This is the most simplified and easiest definition of financial planning.

The concept is also explained below in sophisticated words
"Financial Planning is a process of wisely managing the financial resources which enables you to achieve your financial dreams and goals by negotiating the financial barriers in your life. It outlines a financial roadmap with information on your savings, spendings and investments."
Financial Planning - Process

1. Establishing and defining the client-planner relationship
The financial planner explains or documents the services to be provided and defines his or her responsibilities along with the responsibilities of the client. The planner and client should agree on how long the relationship will last and on how decisions will be made.
2. Gathering client data and determining goals and expectations
The financial planner asks about the client's financial situation, personal and financial goals and attitude about risk. The planner gathers all necessary documents at this stage before giving advice.
3. Analyzing and evaluating the client's financial status
The financial planner analyzes client's information to assess his or her current situation and determine what must be done to achieve the client's goals. Depending on the services requested, this assessment could include analyzing the client's assets, liabilities and cash flow, current insurance coverage, investments or tax strategies.
4. Developing and presenting the financial planning recommendations and/or alternatives
The financial planner offers financial planning recommendations that address the client's goals, based on the information provided by the client. The planner reviews the recommendations with the client to allow the client to make informed decisions. The planner listens to client concerns and revises recommendations as appropriate.
5. Implementing the financial planning recommendations
The financial planner and client agree on how recommendations will be carried out. The planner may carry out the recommendations for the client or serve as a "coach" coordinating the process with the client and other professionals such as attorneys or stockbrokers.
6. Monitoring the financial planning recommendations
The client and financial planner agree upon who will monitor the client's progress toward goals. If the planner is involved, he or she should report to the client periodically to review the situation and adjust recommendations as needed.


Financial Planning - Five Steps Route
1. Emergency/Contingency Planning
  • Making provision for unforeseen and uncertain financial, medical and personal emergencies.
  • Financial planning begins with bracing yourself for such situations and reducing the impact of adverse conditions in your life.
2. Risk Planning
  • We help you identify the events than can affect your financial health and safeguard you and your family against the unforeseen.
  • Adequate research and thorough understanding of requirements help us recommend products that are tailor-made to suit your needs.
3. Goal Based Planning
  • We help you identify, prioritise and achieve basic and aspirational financial goals such as Child’s education/marriage, buying a dream home/car, new business/employment etc.
4. Retirement Planning
  • It is the biggest component of Financial Planning as generally your working period (Accumulation Phase) & Retirement period (Distribution Phase) are almost equal.
  • We help you in planning your retirement by creating a portfolio which will take care of your lifestyle expenses and ensure that you will continue to remain independent even post-retirement.
5. Succession/Estate Planning
  • Irrespective of the current stage of your life it is always recommended to plan for your dependents, since life sometimes takes unfortunate unexpected turns.
  • With our expertise, we help you not to leave things to chance and prepare a will well in advance to protect your family and next generation.
  • We help you control your financial legacy by making a will mentioning the manner in which you wish your financial resources to be utilised and allocated.
Optimus Edge
  • Set realistic, measurable and achievable financial and personal goals.
  • Assess your current financial health by review of your assets, liabilities, income, expenses, insurance, investments, taxes and succession plan.
  • Develop a comprehensive plan to meet your financial goals by addressing financial weakness and uncertainties and building on financial strengths.
  • Implement your plan and monitor its progress and success.
  • Stay on track to meet changing economic conditions, changing goals, life cycle stages, wealth cycle stages, products, taxes and legal compliances.

Tax Planning & Compliance

Why
Tax planning involves conceiving and implementing strategies in order to minimise the tax liabilities. An effective tax planning requires analysis of business and the applicable tax laws. The sole purpose of tax planning is to accomplish a financial plan in a most tax efficient manner. In today's complex financial and business world everyone needs reliable, professional accountancy and taxation help for managing their personal and business finances.
Not only it is necessary to ensure that everything is accounted for in compliance with the various statutory requirements, it is also important to make the most of every opportunity to maximize your income and minimize your tax liability by claiming various exemption & deductions.

The 'Tax Quiche'... .. and how to keep as much of it as possible for you and your family
Tax planning is all about understanding the personal and business taxes you are liable to pay, and looking at ways to minimize them. In this way, you can help maximize your net income, creating opportunities to save for the current and future needs of your family and your business.
Tax seems to be taking an ever-increasing slice of the nation's income.
Your wealth can be diminished by both taxes out of income and those taxes payable on amount receivable on death or a capital transaction, leaving one slice for you to spend or save.
Albert Einstein once famously said that 'the hardest thing in the world to understand is income tax'. But don't let complexity deter you from a simple goal: keeping your taxes as low as possible.
As tax consultants our role includes not only preparing financial statements and tax returns but also working with you to ensure that both the periodic taxes and the taxes out of income are at the lowest possible level and are duly paid on time. This is one of the ways to retain the biggest slice of your wealth to spend or save.
Offerings
Our Taxation service includes a wider range of services provided to individuals of different backgrounds as per their requirements.
These include:
Tax consultancy services for Resident Indians – INCOME TAX
  • Obtain Permanent Account Number (PAN) and TAN number online.
  • Comprehensive Tax planning
  • Advance tax computation
  • Assistance in filling of Income Tax return and Electronic Filing of Returns for
  • o Individuals
    o HUFs
    o Firms
    o Corporate Bodies(Companies)
    o Trusts and Co-operative Societies

  • Identifying tax-free opportunities and tax-efficient saving schemes
  • Developing a plan for tax-efficient profit extraction
  • Designing a tax-efficient renumeration package
  • Planning to reduce capital gains tax
Tax consultancy services for Non-Resident Indians (NRI)
The Non Resident Indians (NRIs) need information and guidance in relation to legalities and procedures as to the assets held in India and taxation of income and profit/gains on sale of assets. This is specifically related to following:
  • Regulations as to operating bank accounts, repatriation of income earned in India and special RBI schemes for returning NRIs.
  • Regulations as to investments in shares, debentures, mutual funds, government securities and bank deposits and its taxations.
  • Procedure to file return of income and obtain tax exemption certificate and Permanent Account Number.

NRI Services
  • With India on its way to becoming a superpower in the world economy that is mainly due to two factors: the contribution of Indians around the world and the Indian economy itself.
  • The Indian community abroad has contributed through various fields and is one of the most sought after professionals managing some of the top companies around the world.
  • It has always been our endeavour to serve the NRI Community's growing needs as investors.
  • OPTIMUS offers a platform to NRIs that assists NRIs - Non Resident Indians and PIOs - Person Of India origin to invest in India. We offer a wide range of NRI investment options in India and ensure that NRI investing in India is made easy and convenient.
  • Our NRI offerings include: Mutual Funds, Direct Equity, Insurance, Bonds, Corporate Fixed Deposit etc. We provide complete solutions to non resident Indians living abroad when it comes to their investment decisions in India.
  • Besides helping NRIs plan for their financial goals, we assist them with the necessary documentation.
  • We also provide Tax Consulting services to our NRI Clients. With our expertise, we resolve all tax related queries regarding NRI investments in India. We keep in mind repatriation rules and taxation laws while investing on your behalf.

We strive to make the most of the attractive investment opportunities in India. But before you do that, know all that you need to know about investing. Please refer the FAQs to know the answers to some fundamental questions that you might have in your mind. Keep it handy for reference.
Please contact us if you have any questions or need anything to facilitate your investments.
Documentation

What you need What it is What document we need as proof What if you don't have it
A PAN Card A personal account number card, used by the income tax department and other financial service houses as identification. A self-signed photocopy of the PAN card You can easily apply for one online, by visiting the site https://tin.tin.nsdl.com/pan/index.html
KYC Verification A registration process to be completed for the purposes of preventing money laundering None, we will verify your KYC compliance in the central database with your PAN number We will complete the process for you if you send us a completed application form (KYC Application is part of our Account Opening form). Please see below for supporting documents required for this purpose.*
An NRE/NRO account Account with an Indian bank that is either repatriable or not Either a cancelled check or a recent account statement for this account. You can arrange with one of our affiliate banks to open an account for you.
A foreign address Your current foreign address A self-signed photo-copy of a utility bill (phone/electricity), driving license with address etc. We need this
An Indian passport   A self-signed photo-copy of the passport  

If you are a foreign citizen (holding a foreign passport),
If you hold a PIO or OCI card, in addition to the documents above, following is needed
1. A photocopy of the foreign passport - attested by your local Indian embassy (in lieu of the Indian passport above)
2. A copy of your PIO or OCI card, self-signed.
* NRI Documents Checklist for KYC application
1. KYC form duly filled and signed
2. Recent colour photo (signed across the photo)
3. Copy of PAN Card, notarized (On an A4 size paper)
4. Copy of exact proof of overseas address, notarized (On an A4 size paper)
5. Copy of first and last pages of passport, notarized (If you are an Indian citizen)
6. Copy of foreign passport, notarized (If you are a foreign citizen)
7. Copy of PIO or OCI card, notarized (If you are a foreign citizen)
Legal Services

Disclaimer & Confirmation
As per the rules of the Bar Council of India, we are not permitted to solicit work and advertise. By clicking on the "I Agree" below, the user acknowledges the following :
  • there has been no advertisement, personal communication, solicitation, invitation or inducement of any sort whatsoever from us or any of our members to solicit any work through this website;
  • the user wishes to gain more information about us for his/her own information and use;
  • the information about us is provided to the user only on his/her specific request and any information obtained or materials downloaded from this website is completely at the user's volition and any transmission, receipt or use of this site would not create any lawyer-client relationship.

The information provided under this website is solely available at your request for informational purposes only, should not be interpreted as soliciting or advertisement. We are not liable for any consequence of any action taken by the user relying on material/information provided under this website. In cases where the user has any legal issues, he/she in all cases must seek independent legal advice.

Products

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Mutual Funds

  • An investment vehicle made up of pool of funds collected from many investors, for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets.
  • Operated by money managers, who invest fund’s capital and attempt to produce capital gains and income for the fund’s investors.
  • A mutual fund’s portfolio is structured and maintained to match the investment objectives stated in its prospectus.
Benifits
Limitations
Categorization
Facts
  • 1 MF advisor every 15000 people.
  • MF Market Penetration of less than 3%.
  • SIP penetration of less than 0.5%.
  • Rs. 1 lac invested (lumpsum) 15 yrs. Back is worth appx. 25 lacs today with CAGR of 22.80%.
  • Rs. 10000 invested per month for 15 yrs. is worth appx. 1.12 crores today with CAGR of 21.20%.
  • 7% p.a. is the least an SIP would have earned over the past 15 years.
  • 24% p.a. is the most that an SIP would have earned over the past 15 years.
  • 50 of 108 funds earned more than Goldman Sachs Nifty ETS over the past 10 years.
  • 96 of 108 funds (appx.90%) yielded more than 8.3% guaranteed by Post Office Recurring Deposit and Public Provident Fund (PPF) over the past 10 years.

Growth of Different Asset Classes

A comparison of available asset classes presents an interesting picture. Equity mutual funds have outperformed all asset classes including Sensex and gold by a wide margin of 8% CAGR. The net returns delivered by Equity MF (post inflation) too are above 15%

The difference in all asset classes in terms of lumpsum returns is substantial. Investments in equity MF have grown by 24 times. In comparison to other asset classes, equity MFs have created 8 times more wealth than bank FD, 7 times wealth than company FD and 4 times and 3 times more than Sensex and gold respectively.
Plans
Systematic Withdrawal Plan (SWP)
  • Regular redemptions from a fund at defined intervals.
  • Investors can either redeem a fixed amount, a fixed number of units or all returns above a certain base level.
  • Convenient way to take regular income from a fund investment.

Systematic Transfer Plan (STP)
  • Regular transfer from one fund to another.
  • Similar to SIP but source of money is STP from another fund.
  • Frequently and most commonly used when lumpsum is available for investment in equity fund.
  • The lumpsum is put into a debt fund and an instruction is given to transfer fixed amount into chosen equity fund every month.
  • Currently allowed only in the funds/schemes of same AMC in offilne mode.

Systematic Investment Plan (SIP)
Meaning
A financial tool that allows investments of fixed amount in mutual funds at fixed frequency. Frequency could be monthly (most preferred), quarterly or weekly.
Benefits
  • Rupee Cost Averaging helps to achieve basic principle of investing ‘Buy Low, Sell High’.
  • Disciplined Investment – SIP is a pledge to invest fixed amount at fixed frequency. It eliminates mental load of deciding when to invest and lead to better returns.
  • Affordable – No need of substantial chunk of money. One can start with very small amount, as small as Rs. 500-1000 through SIP
SIP Muscle
Growth of Rs. 1000 invested every month
Expected Returns\No. Of Yrs
5
10
15
20
8%
73,967 1,84,166 3,48,345 5,92,947
10%
78,082 2,06,552 4,17,924 7,65,697
12%
82,486 2,32,339 5,04,576 9,99,148
15%
89,682 2,78,657 6,76,863 15,15,955
18%
97,658 3,36,258 9,19,209 23,43,487
20%
1,03,454 3,82,364 11,34,295 31,61,479
Offerings

At OPTIMUS, we offer you multiple platforms to make investments in Mutual Funds convenient. These include:
  • Offline subscription accompanied by a cheque.
  • Online, seamless subscription.
  • Selection from over 1900 schemes offered by over 40 AMCs
  • Customized mutual fund portfolios based on risk profile and investment appetite.
  • Portfolio revision (depending on changing market outlook and evolving trends).
  • MF Holdings & valuation statement

The above offerings backed by proficient advisory services facilitate a safe, hassle-free and investor friendly environment for making your investments. You can invest based on the mode you’re most convenient and comfortable with. With our skill set, we are well equipped to serve your needs at all times.

Fixed Maturity Plan
For most Indian investors, a good part of money is likely to be stored in bank fixed deposits. The penchant for Indians to save is reflected in the high sums of money that sit in our savings bank accounts.
The reason for such undying faith in bank savings is the safety and liquidity that the instrument offers. However, a smart investor, would seriously think of replacing most (or even all) of FDs with Fixed Maturity Plans (FMPs) from mutual funds.
From negligible market share accounting for less than 5 per cent of the Indian mutual fund universe till 10 years ago, Fixed Maturity Plans (FMPs) are well on their way to becoming a major option for all kinds of investors. Although, individual and small investors were slower to catch on to FMPs initially, their irresistible combination of higher returns and lower taxation have made them a logical alternative not just to other types of fixed income funds, but also to bank fixed deposits.
Some highlighted features of FMP are:-
  • A closed-ended debt fund offered by a mutual fund, with a pre determined maturity date.
  • Maturity period can be anywhere between three months and three years.
  • In other words, FMPs are fixed deposits (FDs) issued by mutual funds (MFs).
  • The money collected is generally invested in fixed income instruments like bonds, government securities, money market instruments.
  • The idea is to lock in the investment at an indicative rate of return, thereby immunising the return against any debt market fluctuations.
Tax Implication
FMPs offer very simple-higher returns with high safety. For those in the highest income tax bracket of 30 per cent, the effective post-tax rate of return from fixed deposits in the last one year was 6.3 per cent. In comparison, a typical FMP for the same period earned a return of 9.51 per cent. After adjusting the investment cost for inflation to calculate the indexation benefit, the returns from FMPs become tax-free as the rate of inflation is higher than the rate of return.
For longer periods, this difference stacks up quite steeply. For instance, a deposit of 10 lakh in a three year fixed deposit on April 1, 2010, would have swelled to 12.07 lakh on April 1, 2013, taking into account the income tax liability. For the same period, a similar investment in an FMP would have earned 12.59 lakh, which would be tax-free.
Looking at these numbers, FMPs appear to be a no brainer. One should not leave that extra money lying on the table for the banks and the taxman to pocket it.

FMPs V/S FDs

Elements
FD
FMP
Tenure 7 days-5 years 1 month-3 years
Managed by Banks Mutual Funds
Returns Fixed returns Returns are not assured and can be volatile
Investment They invest in bank debt instruments They invest in government securities, corporate bonds, money market instruments
Pre Mature Withdrawal Allowed with a penalty Generally not possible
Taxation Interest taxed at rates applicable to individuals LTCG: 10% or 20% without indexation
DDT: 25% plus surcharge

To Summarise
  • FMPs are highly tax efficient and good investment options especially for those who fall in highest tax bracket.
  • The return from FMPs is either subject to the Dividend Distribution Tax (for the dividend option) or the capital gains tax rate (for the growth option). The Distribution Tax rate is @25% and the capital gains tax rate is @10% (or 20% with indexation).
  • These taxation rates are lower than the income tax rate applicable on Fixed Deposits, especially in the case of investors in the higher tax bracket.
  • Fund companies normally issue a lot of FMPs that are slightly over a year – like 368 days, 370 days etc. so that it enjoys the benefit of lower long term capital gain taxation.
Limitations
The Liquidity Trap
  • Unlike bank fixed deposits, there is no practical way to get a premature redemption in an FMP, although on the face of it FMPs work much like a fixed deposit. Generally, options range from 12 to 36 months. When the said period is over, the fund redeems money with the returns.
  • Theoretically, all FMPs are listed on the stock markets and there is an option to sell it to another investor. In practice, volumes are thin to being non-existent and probability of selling is remote.
  • One should invest only that amount one is absolutely certain that will not be needed in the interim period.
Credit Risk
  • Bank FDs have a very high degree of safety and FMPs cannot match that. Like all mutual fund investments, FMPs carry market risk. The fund manager deploys FMP's assets in a range of fixed income assets and theoretically, any of them could go bad and thereby lead to capital loss. In practice, such a loss has never happened.
  • The fund managers only invest in those bonds that are maturing just before the redemption date of the fund thereby mitigating risk of fall in the market price of the securities (bonds).
  • Probability of credit risk (the bond issuer being unable to redeem the bond when it matures) is high in case of FMPs. Credit risk can be mitigated by the fund managers by making majority of investments in highly rated papers.
Conclusion
Making the choice
Choosing an FMP is somewhat trickier than choosing a normal open-ended fund, because unlike open ended funds, there is no past performance or rating to go by. Moreover, one can only invest in those FMPs that are starting off with a timing that aligns with one’s needs. In the case of FMPs, one has to evaluate an AMC's past track record of running FMPs, in comparison with FMPs from other AMCs. Moreover, since interest rate conditions keep varying, this comparison can only be made between FMPs that started and ended at roughly the same time. Once the performance of FMPs by different AMCs is analyzed, selection of scheme is easy.
Conclusion
In a dynamic investment environment, there seems to be little reason why individuals should not invest in FMP, as they are more tax efficient than FDs. They are the better investment option to park money for short term.
Offerings
At OPTIMUS, we offer you multiple platforms to make investments in Mutual Funds convenient. These include:
  • Offline subscription accompanied by a cheque
  • Online, seamless subscription and trading account for mutual funds
  • Selection from over 1900 schemes offered by over 40 AMCs
  • Choice of wide variety of equity funds such as a Large Cap, Mid-Small Cap, Diversified Equity, Balanced Funds and Debt Funds such as Income Funds, Liquid Funds, Short Term-Long Term Debt Funds, MIPs(Montly Income Plans)
  • Customized mutual fund portfolios based on risk profile and investment appetite
  • Portfolio revision (depending on changing market outlook and evolving trends)
  • MF Holdings & valuation statement

The above offerings backed by proficient advisory services facilitate a safe, hassle-free and investor friendly environment for making your investments. You can invest based on the mode you’re most convenient and comfortable with. With our skill set, we are well equipped to serve your needs at all times.

Corporate Deposits
  • One of the oldest money raising tools for companies (not banks).
  • Companies offer fixed rate of interest for different tenures. The deposit placed with companies for a fixed term carrying a prescribed rate of interest.
  • Financial institutions and Non-Banking Finance Companies (NBFCs) also accept such deposits.
  • Deposits thus mobilised are governed by the Companies Act.
  • Corporate deposits generally (not necessarily) offer better returns than bank deposits.

Benefits
  • Safety – highly rated deposits offer high level safety.
  • Returns – Attractive returns as interest rates are generally (not necessarily) higher than bank deposits.
  • Flexible Tenures – ranging from 6 months to 7 years.
  • Regular Income – Option to choose interest rate frequency. Most issuers offer periodic interest payments (monthly, quarterly, half yearly, annually) and cumulative deposits.
  • Tax Efficiency – No TDS if interest income is up to Rs. 5,000/- in a financial year.
Fixed Deposits
Special Plans

Recurring Deposit Plan (Resident Individuals Only)

Fixed Rate Option
Period (Months)
Rate of Interest (p.a.)
12 - 23 8.75%
24 - 36 9.00%
Variable Rate Option
Period (Months)
Rate of Interest (p.a.)
48 - 59 8.75%
60 - 72 9.00%
Interest rates on deposits of ₹ 1 crore and above would be as per the extant guidelines.
Interest rates are subject to change and the rate applicable will be the rate prevalent on the date of deposit.
Minimum Monthly Savings Amount ₹2000/-

Double Money Plan

Double Money Plan
Regular
Sr. Citizens
Period (Months)
95 93
Rate of Interest (per annum)
9.15% 9.35%
Maturity Value (for a Deposit of ₹1,000) #
₹2,000 ₹2,000


Money Multiplier Plan

Money Multiplier Plan
Regular
Sr. Citizens
Regular
Sr. Citizens
Period (Months)
55 54 76 74
Rate of Interest (per annum)
9.23% 9.41% 9.23% 9.49%
Maturity Value (for a Deposit of ₹1,000) #
₹1,500 ₹1,500 ₹1,750 ₹1,750
#Subject to TDS
Minimum Deposit Amount ₹20,000/-
Bonds & Debentures
  • A security issued by a Company, Financial Institution or Government which offers regular or fixed payment of interest in return for borrowed money for a certain period of time
  • A debt investment in which an investor loans money to an entity either corporate or government that borrows the funds for a defined period of time at a fixed interest rate
  • These bonds are issued for a window to raise certain amount with SEBI approval
  • These generally offer higher rates depending on the prevailing interest rate scenario and their credit rating
  • Other general features:
    • Bonds can either be Secured or Unsecured.
    • Periodic interest payment option (Monthly, Quarterly, Annually) and cumulative option (Compounded and paid at maturity) differing from issue to issue.
    • Different maturities.
    • Can be held in Dematerialised and/or Physical mode.
    • Listed on the exchanges and thus can be traded, if held in Dematerialised mode.
    • Issue is rated by Independent Rating agencies like CARE, CRISIL, ICRA etc.
Non Convertible Debentures (NCDs)
  • Regular debentures which cannot be converted into equity shares of the liable company.
  • Debentures without the convertibility feature attached to them. As a result, they usually carry higher interest rates than their convertible counterparts.
Capital Gain Bonds
  • As per provisions of Income Tax Act, 1961, any long term capital gains arising from transfer of any capital asset would be exempt from tax under section 54EC of the Act if:
    • The entire capital gain realized is invested within 6 months of the date of transfer in eligible bond.
    • Such investment is held for 3 years.
    • To avail of capital gain exemption, the bonds so acquired cannot be transferred or converted into money or any loan or advance can be taken on security of such bond within 3 years from date of acquisition else, the benefit would be withdrawn.
    • If the amount invested in bonds is less than the capital gains realized, only proportionate capital gains would be exempt from tax.
Infra Bonds
  • In FY 2010-11, Finance Minister in Union Budget had introduced a new section 80CCF under the Income Tax Act, 1961 that provide income tax deduction of Rs. 20,000 in addition to Rs 1 Lac available under other provisions for claiming tax deductions for investments made in the Long Term Infrastructure Bonds that are notified by the central government.
  • In Finance Bill 2012, The 20,000 tax benefit from infrastructure bonds U/s 80CCF has been withdrawn.
Tax Free Bonds
  • Tax Free Bonds are instruments where interest earned is tax free. However, there is no deduction for the principal invested in these bonds.
  • These bonds will be eventually listed on the Stock Exchanges, so investors will have the option of selling them before the full term of the bond. However, the price for selling before they mature will depend on market conditions.
Government Securities
  • Issued by the Government for raising a Public loan or as notified in the official Gazette.
  • They Consist of Government Promissory Notes, Bearer Bonds, Stocks or Bond held in Bond Ledger Account. They may be in the form of Treasury Bills or Dated Government Securities.
  • Mostly interest bearing dated securities issued by RBI on behalf of the Government of India. GOI uses these funds to meet its expenditure commitments.
  • These securities are generally fixed maturity and fixed coupon securities carrying semi-annual coupon. Since the date of maturity is specified in the securities, these are known as dated Government Securities.

Features
  • Issued at face value.
  • No default risk as the securities carry sovereign guarantee.
  • Ample liquidity as the investor can sell the security in the secondary market.
  • Interest payment on a half yearly basis on face value.
  • No tax deducted at source.
  • Can be held in Demat form.

Types of Government Securities

Central Government Securities
  • Issued by Government of India. Reserve Bank of India manages and services these securities through its public Debt offices located in various places as an agent of the Government.
  • The Central Government securities are issued through auctions conducted by the RBI. Auctions are conducted on the electronic platform called the NDS.
  • Commercial banks, scheduled urban co-operative banks, primary dealers, insurance companies and provident funds, who maintain funds account (current account) and securities accounts (SGL account) with RBI, are members of this electronic platform.
State Government Securities
  • State Government Securities also termed as State Development Loan, are issued by the State Governments. RBI coordinates the actual process of selling these securities. Each state is allowed to issue securities up to a certain limit each year.
  • Generally, the coupon rates on are marginally higher than those of GOI-Secs issued for the same maturity.
  • The State Development Loans are normally sold through the auction process. All the auctions are conducted by Reserve Bank of India.
  • State Development Loans also qualify for SLR status. Interest payment frequency is half yearly and other modalities are similar to GOI-Secs.
Treasury Bills
  • Money market instruments to finance the short term requirements of the Government of India.
  • Discounted securities and thus are issued at a discount to face value.
  • The return to the investor is the difference between the maturity value and issue price.
Types of Treasury Bills
  • There are different types of Treasury bills based on the maturity period and utility of the issuance like, ad-hoc Treasury bills, 3 months, 6 months and 12months Treasury bills etc.
  • In India, at present, the Treasury Bills are issued for the following Tenors 91-days, 182-days and 364-days Treasury bills.
Minimum Amount of Bids
  • Bids for treasury bills are to be made for a minimum amount of Rs 25000/- only and in multiples there of.
Eligibility
  • All entities registered in India like banks, financial institutions, primary dealers, firms, companies, corporate bodies, partnership firms, institutions, mutual funds, foreign institutional investors, state governments, provident funds, trusts, research organizations and even individuals are eligible to bid and purchase Treasury bills.
Benefits of Investment in Treasury Bills
  • No tax deducted at source
  • Zero default risk being sovereign paper
  • Highly liquid money market instrument
  • Better returns especially in the short term
  • Transparency
  • Simplified settlement
  • High degree of tradability and active secondary market facilitates meeting unplanned fund requirements
Initial Public Offer
  • An Initial Public Offer (IPO) is a means of collecting money from the public by a company for the first time in the market to fund its projects. In return, the company gives the share to the investors in the company.
  • From an investor point of view, IPO gives a chance to buy shares of a company, directly from the company at the price of their choice (In book build IPO's).
  • From a company prospective, IPO help them to identify their real value which is decided by millions of investor once their shares are listed in stock exchanges. IPO's also provide funds for their future growth or for paying their previous borrowings.
Offerings
At OPTIMUS, we offer you a common platform and multiple options to make investments in fixed income instruments. These include:
  • Offline subscription accompanied by a cheque
  • Expert selection of deposits offered by various manufacturing, finance and government companies
  • A seamless and comprehensive platform to subscribe to ongoing IPOs, NCDs, G-Sec and Bonds Issues offered by Corporate and Government
  • Customized recommendations with due regard to risk tolerance and tenure of investment
Alternative Investments

  • Investment into alternative investments ensures true diversification in the portfolios
  • Alternative Investments includes products like Private Equity Funds, Real Estate Funds, Structured Products, Investments in art and unique investment avenues like Film Funds
  • These offerings are available to discerning investors looking to diversify their portfolios and benefit from varied asset classes

General Insurance

  • An arrangement or agreement to protect important possessions/assets in life- your home, business and vehicle against the uncertain and unforeseen events and the dangers of natural disasters and social evils such as theft.
  • It comprises of insurance of property against fire, burglary etc, personal insurance such as Accident and Health Insurance, and liability insurance which covers legal liabilities.
  • It also offers protection against mechanical breakdown, cover for the hull of ships and so on. A Marine Cargo policy covers goods in transit including by sea, air and road.
Why
  • Provision against emergency medical expenses which can put you under serious financial strain (Accident and Health Insurance).
  • Provision in case of risk associated with Travelling such as accidents, loss of baggage or passports, and medical expenses (Travel Insurance).
  • Provision against damage to assets such as home, motor vehicles, ships etc. arising out of unforeseen natural disasters (Fire Insurance, Marine Insurance, Motor Insurance).
  • Protection against burglary, theft and allied events (Burglary Insurance).
Offerings
Financial planning is incomplete without insurance. With our sincere efforts we bring the best insurance services at your fingertips. We offer wide range of insurance solutions covering both life and general insurance to suit our clients’ needs. We choose the best Insurance options offered by multiple insurers by providing time-tested, trusted financial solutions.
We believe in performing for the best interest of clients and provide sound, rational and impartial advice. With the help of our insurance and legal experts, we help you analyse and realise the value of risk covers and policy wordings.
Here are some of the insurance plans OPTIMUS offers:-
  • Motor Insurance
  • Travel Insurance
  • Health Insurance
  • Home Insurance
  • Fire Insurance
  • Burglary Insurance
  • Marine Cargo and Hull Insurance
  • Product Liability Insurance
  • Goods in Transit Insurance

Life Insurance

  • An essential element of risk management and financial planning, Life Insurance plays an important role in overall wealth creation.
  • An arrangement or agreement that guarantees payment of stated monetary benefits at the end of specified term or on death of the life insured.
  • A policy, which can be the basis of protection and financial stability after one's death.
  • Its function is to help beneficiaries/nominees financially after the owner of the policy dies.
  • It covers three elementary risks of your life, the risk of living too long, the risk of living too short and maintaining the same standards to living after retirement by contributing regularly.
  • Additionally, a little known function of life insurance is that it can be tied in with a person's pension plan. A person can make contributions to a pension that is funded by a life insurance company. These are considered private pension arrangements.
Why
Do not feel that you are special or god gifted. Good health is not a good excuse to skip Life/Health Insurance and just because you don't drive carelessly, it does not make you "Accident proof". In reality, most people die in accidents not because they don't drive well; it's because the other person does not.
  • Financial Security – Life is full of unexpected surprises. Unpredicted events can hit anytime without prior notice and disrupt the smooth rhythm of life. Therefore it is necessary to ensure financial security in the event of death or inability to earn due to physical disabilities.
  • Risk Cover – Protection against financial crisis.
  • Planning for life stage needs – Retirement Planning, Child’s education/marriage.
  • Tax Benefits.
Offerings
Financial planning is incomplete without insurance. With our sincere efforts we bring the best insurance services at your fingertips. We offer wide range of insurance solutions covering both life and general insurance to suit our clients’ needs. We choose the best Insurance options offered by multiple insurers by providing time-tested, trusted financial solutions.
We believe in performing for the best interest of clients and provide sound, rational and impartial advice. With the help of our insurance and legal experts, we help you analyse and realise the value of risk covers and policy wordings.
Here are some of the insurance plans OPTIMUS offers:-
  • Traditional Insurance Solutions
  • Term Plans – pure risk (death) cover
  • Unit Linked Insurance Plans (ULIPs)
  • Guaranteed Money back plans
  • Endowment Plans

Some time back, we came across a most amazing book on financial planning authored by famous cartoonist Scott Adams. He calls it ‘Everything You Need to Know About Financial Planning’. Adams always wanted to write a book on personal finance. For years he kept on thinking about what all he should include in his book but by the time he had thought through the contents of the book and simplified them to their logical end, he just had 87 words. Yes, that’s words and not pages. Here’s the book in its entirety:-
  • Make a will.
  • Pay off your credit cards.
  • Get term life insurance if you have a family to support.
  • Fund your 401(k) to the maximum.
  • Fund your IRA to the maximum.
  • Buy a house if you want to live in a house and you can afford it.
  • Put six months’ expenses in a money market fund.
  • Take whatever money is left over and invest 70 per cent in a stock index fund and 30 per cent in a bond fund through any discount broker and never touch it until retirement.

We believe that the advice is completely rational. However, since Adams wrote it in the context of personal finance in the US, some of this is not directly applicable in India. Here, we would replace the 401(k) and IRA which are retirement planning tax saving investments in the US with appropriate Indian equivalents such as PF, ELSS, RGESS and other investments available under section 80C. As for the advice in the last sentence, instead of 70% investment in equity fund and 30% in fixed income fund, one can put money in balanced fund which essentially offers the same mix. This will take care of tracking the returns and rebalancing in the former option. This is the most simplified and easiest definition of financial planning.
The concept is also explained below in sophisticated words
Financial Planning - Meaning
A process of wisely managing the financial resources which enables you to achieve your financial dreams and goals by negotiating the financial barriers in your life.
It outlines a financial roadmap with information on your savings, spending and investments
Five Steps Route
Financial Planning Process
1.Emergency/Contingency Planning
  • Making provision for unforeseen and uncertain financial, medical and personal emergencies.
  • Financial planning begins with bracing yourself for such situations and reducing the impact of adverse conditions in your life.
2.Risk Planning
  • We help you identify the events than can affect your financial health and safeguard you and your family against the unforeseen.
  • Adequate research and thorough understanding of requirements help us recommend products that are tailor made to suit your needs.
3.Goal Based Planning
  • We help you identify, prioritise and achieve basic and aspirational financial goals such as Child’s education/marriage, buying a dream home/car, new business/employment etc.
4.Retirement Planning
  • It is the biggest component of Financial Planning as generally your working period (Accumulation Phase) & Retirement period (Distribution Phase) are almost equal.
  • We help you in planning your retirement by creating a portfolio which will take care of your lifestyle expenses and ensure that you will continue to remain independent even post-retirement.
5.Succession/Estate Planning
  • Irrespective of the current stage of your life it is always a recommended to plan for your dependents since life sometimes takes unfortunate unexpected turns.
  • With our expertise, we help you not to leave things to chance and prepare a will well in advance to protect your family and next generation.
  • We help you control your financial legacy by making a will mentioning the manner in which you wish your financial resources to be utilised and allocated.
  • Set realistic, measurable and achievable financial and personal goals.
  • Assess your current financial health by review of your assets, liabilities, income, expenses, insurance, investments, taxes and succession plan.
  • Develop a comprehensive plan to meet your financial goals by addressing financial weakness and uncertainties and building on financial strengths.
  • Implement your plan and monitor its progress and success.
  • Stay on track to meet changing economic conditions, changing goals, life cycle stages, wealth cycle stages, products, taxes and legal compliances.

Tax planning involves conceiving and implementing strategies in order to minimise the tax liabilities. An effective tax planning requires analysis of business and the applicable tax laws. The sole purpose of tax planning is to accomplish a financial plan in a most tax efficient manner. In today's complex financial and business world, everyone needs reliable, professional accountancy and taxation help managing their personal and business finances. Not only it is necessary to ensure that everything is accounted for in compliance with the various statutory requirements, it is also important to make the most of every opportunity to maximize your income and minimize your Tax Liability by claiming various exemption & deductions.

The 'Tax Quiche'... .. and how to keep as much of it as possible for you and your family
Tax planning is all about understanding the personal and business taxes you are liable to pay, and looking at ways to minimize them. In this way, you can help maximize your net income, creating opportunities to save for the current and future needs of your family and your business. Tax seems to be taking an ever-increasing slice of the nation's income. Your wealth can be diminished by both taxes out of income and those taxes payable on amount receivable on death or a capital transaction, leaving one slice for you to spend or save. Albert Einstein once famously said that 'the hardest thing in the world to understand is income tax'. But don't let complexity deter you from a simple goal: keeping your taxes as low as possible. As tax consultants our role includes not only preparing financial statements and tax returns but also working with you to ensure that both the periodic taxes and the taxes out of income are at the lowest possible level and are duly paid on time. This is one of the way to retain the biggest slice of your wealth to spend or save.
Our Taxation service includes a wider range of services provided to individuals of different backgrounds as per their requirements.
These include:
Tax consultancy services for Resident Indians – INCOME TAX
  • Obtain Permanent Account Number (PAN) and TAN number online.
  • Comprehensive Tax planning
  • Advance tax computation
  • Tax Audit
  • Filling of Income return and Electronic Filing of Returns for
  • o Individuals
    o HUFs
    o Firms
    o Bodies Corporate (Companies)
    o Trusts and Co-operative Societies

  • Rectification & revision of income tax orders
  • Liaison and Representation before Income Tax Authority for Assessments, Income Tax Refunds, Scrutiny Cases
  • Quarterly return for TDS/TCS in electronic form and No TDS/ TCS Certificate
  • making the most of tax-free opportunities
  • Developing a plan for tax-efficient profit extraction
  • A tax-efficient remuneration package
  • Identifying tax-efficient savings Schemes
  • Planning to reduce capital gains tax
Tax consultant services for Non-Resident Indians (NRI)
The Non Resident Indians (NRIs) need information and guidance in relation to legalities and procedures as to the assets held in India and taxation of income and profit/gains on sale of assets. This is specifically related to following:
  • Regulations as to operating bank accounts, repatriation of Income earned in India and special RBI schemes for returning NRIs.
  • Regulations as to investments in shares and debentures, mutual funds government securities and bank deposits and its taxations.
  • Procedure to for purchase and sale of immovable properties in India and renting them out.
  • Procedure to file return of income and obtain tax exemption certificate and Permanent Account Number.
  • Replies to any queries on Indian Taxation, Foreign Exchange Management Act FEMA) and Reserve bank of India procedures and approvals.
  • Certification for repatriation.

Documentation

What you need What it is What document we need as proof What if you don't have it
A PAN Card A personal account number card, used by the income tax department and other financial service houses as identification. A self-signed photocopy of the PAN card You can easily apply for one online, by visiting the site https://tin.tin.nsdl.com/pan/index.html
KYC Verification A registration process to be completed for the purposes of preventing money laundering None, we will verify your KYC compliance in the central database with your PAN number We will complete the process for you if you send us a completed application form (KYC Application is part of our Account Opening form). Please see below for supporting documents required for this purpose.*
An NRE/NRO account Account with an Indian bank that is either repatriable or not Either a cancelled check or a recent account statement for this account. You can arrange with one of our affiliate banks to open an account for you.
A foreign address Your current foreign address A self-signed photo-copy of a utility bill (phone/electricity), driving license with address etc. We need this
An Indian passport   A self-signed photo-copy of the passport  

If you are a foreign citizen (holding a foreign passport),
If you hold a PIO or OCI card, in addition to the documents above, following is needed
1. A photocopy of the foreign passport - attested by your local Indian embassy (in lieu of the Indian passport above)
2. A copy of your PIO or OCI card, self-signed.
* NRI Documents Checklist for KYC application
1. KYC form duly filled and signed
2. Recent colour photo (signed across the photo)
3. Copy of PAN Card, notarized (On an A4 size paper)
4. Copy of exact proof of overseas address, notarized (On an A4 size paper)
5. Copy of first and last pages of passport, notarized (If you are an Indian citizen)
6. Copy of foreign passport, notarized (If you are a foreign citizen)
7. Copy of PIO or OCI card, notarized (If you are a foreign citizen)
NRI Offering
  • With India on its way to becoming a superpower in the world economy that is mainly due to two factors: the contribution of Indians around the world and the Indian economy itself.
  • The Indian community abroad has contributed through various fields and is one of the most sought after professionals managing some of the top companies around the world.
  • It has always been our endeavour to serve the NRI Community's growing needs as investors.
  • OPTIMUS offers a platform to NRIs that assists NRIs - Non resident Indians and PIOs - person of India origin to invest in India. We offer a wide range of NRI investment options in India and ensure that NRI investing in India is made easy and convenient.
  • Our NRI offerings include: Mutual Funds, Direct Equity, Insurance, bonds, Corporate Fixed Deposit etc. We provide complete solutions to non resident Indians living abroad when it comes to their investment decisions in India.
  • Besides helping NRIs plan for your financial goals, we assist them with the necessary documentation.
  • We also provide Tax Consulting services to our NRI Clients. With our expertise, we resolve all tax related queries regarding NRI investments in India. We keep in mind repatriation rules and taxation laws while investing on your behalf.
  • It has always been our endeavour to serve the NRI Community's growing needs as investors.
We strive to make the most of the attractive investment opportunities in India. But before you do that know all that you need to know about investing. Please refer the FAQs to know the answers to some fundamental questions that you might have in your mind. Keep it handy for reference. Please contact us if you have any questions or need anything to facilitate your investments.
OPTIMUS Edge
The site is not about giving free legal aid; rather it is all about distributing knowledge with respect to Various LAWs applicable in India by providing right direction in a given set of circumstances.
We at OPTIMUS:-
  • Strive to offer the simplest form and approaches of LAW alone with resolution of queries with respect to various aspects of LAW
  • Endeavour to give suitable direction subject to information provided by the viewer.
  • Believe that the extinction of illegal acts is possible if precise guidance is provided by creating awareness about the basic rights that every citizen of India should be aware of
  • Strive to deliver rational and logical solutions which are far reaching and incisive.
Gamut of Services
Drafting
  • Drafting of notices, affidavits, pleadings and applications by experienced legal advisors
Arbitration
  • Arbitration in all civil issues of the client
  • Easy and precise interpretation of all the clauses in respect to arbitration proceedings
Search and title - Report
  • Legal Search and Title: would he carried on toy eminent ppnplt? In legal field in order to protect rights
  • I Itle reports would be done with all reasonable and due care and would be made available.
Patent, Copyright, and Trademark
  • All kinds of patent work in any field for any subject
  • The Patent would be secured and sealed by legal advisor to protect the interest
  • Copyright of all books, CDs, magazines, document or entertainment in any form
  • Trademarks for Companies, Industries, Factories and other Institutions. Infringement of all trademark and actions in respect to that will also be initiated
Merger and Acquisition
  • All required procedures and documents for merger and acquisition of companies and brands
  • Provide advice for disputes regarding mergers and acquisitions with utmost due care and professional attitude

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Knowledge Cafe

Learn More

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Myths and Facts of Mutual Fund Investments Frugality: The Cornerstone of Personal Finance

Investing Strategies Wealth Cycle Stages The Contented Investor 6 mistakes in Financial Planning



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Contact Details

  • Optimus Solutions
    : B-301, Sea Gull C.H.S.,
    Opp. Bombay Talkies Compound,
    Dadi Seth Road, Malad West,
    Mumbai-400064
  • : +91-9920862571
  • : info@optimussolutionz.com