What we offer
Strategic Wealth Product - Plan. Execute. Manage.
At Optima Finserve, we don't believe in one-size-fits-all solutions. We offer tailored wealth products designed to align with your financial goals, life stages, and risk profiles. Our process is built around three pillars that ensure your financial journey is as seamless as it is successful.
Plan - Personalised Financial Roadmap
Every journey begins with understanding.
we start by getting to know you - your goals, needs, and vision for the future. Whether you are looking to build assets, save for a milestone, or ensure a secure retirement, we craft a strategic plan that fits your life and ambitions.
Execute - Smart, Informed Investment Action
With a clear plan in place, we move swiftly and precisely.
Using data-driven insights, market expertise, and carefully selected financial instruments, we put your plan into action. Our execution strategies span, mutual funds, portfolio management, insurance solutions, tax planning and more.
Manage - Ongoing Monitoring & Optimization
Markets evolve. So should your strategy.
We stay by your side with continuous portfolio reviews, performance tracking, and rebalancing. As your goals or market conditions change, we adjust to keep you on course—with transparency, regular reporting, and expert advice.
Our Wealth Products Includes
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Investment Planning (Mutual Funds, SIP's, Bonds)
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Retirement Planning
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Tax-efficient strategies
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Life & Health Insurance
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Portfolio Management Services
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Estate & Succession Planning
At Optima Finserve, our goal is simple: to help you build, Protect, and grow your wealth - so you can live with confidence today and tomorrow.
Let's design your financial future. Reach out for your personalised consultation.
Mutual Funds
A Mutual Fund is a professionally managed investment fund that pools money from many investors to purchase securities. These investors may be retail or institutional in nature.
Mutual Funds have advantages and disadvantages compared to direct investing in individual securities. The primary advantages of mutual funds are that they provide economies of scale, a higher level of diversification, they provide liquidity, and they are managed by professional investors. On the negative side, investors in a mutual fund must pay various fees and expenses.
Primary structures of mutual funds include open-end funds, unit investment trusts, and closed-end funds. Exchange Traded Funds (ETF's) are open-end funds or unit investment trusts that trade on an exchange. Some close-ended funds also resemble exchange traded funds as they are traded on stock exchanges to improve their liquidity.
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Equity Fund
A private equity fund is a collective investment scheme used for making investments in various equity securities according to one of the investments strategies associated with private equity.
02
ELSS Fund
Many mutual fund investors are hunting for the best Equity Linked Saving Scheme or ELSSs to save taxes under Section 80C of the Income Tax Act.
03
Debt Fund
A debt fund is an investment pool, such as a mutual fund or exchange-traded fund, in which the core holdings comprise fixed income investments.
04
Small Cap Fund
These mutual funds select stocks for investment from the small cap category, which includes all stocks except largest 250 stocks (by market capitalization).
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Balanced Fund
A balanced fund is a mutual fund that contains a stock component, a bond component and sometimes a money market component in a single portfolio.
06
Large Cap Fund
These mutual funds select stocks for investment from the largest 100 stocks listed in the Indian markets (highest market capitalization).
Insurance
Insurance refers to a contractual arrangement in which one party, i.e. insurance company or the insurer, agrees to compensate the loss or damage sustained to another party, i.e. the insured, by paying a definite amount, in exchange for an adequate consideration called as premium.
The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insurer will compensate the insured. The amount of money charged by the insurer to the Policyholder for the coverage set forth in the insurance policy is called the premium.
Life
insurance
Life insurance is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person.
Car Insurance
Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.
Health Insurance
Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses. ... Depending on the type of health insurance coverage, either the insured pays costs out of pocket and receives reimbursement, or the insurer makes payments directly to the provider.
PMS
Portfolio investments are investments in the form of a group (portfolio) of assets, including transactions in equity, securities, such as common stock, and debt securities, such as banknotes, bonds, and debentures.
Portfolio investment covers a range of securities, such as stocks and bonds, as well as other types of investment vehicles. A diversified portfolio helps spread the risk of possible loss because of below-expectations performance of one or a few of them.
Types of Portfolio Management Services (PMS)
- Tailored to your Risk Appetite and Financial Goals.
Not sure which PMS suits you best?
- Let our experts guide you with a personalised risk assessment and strategy session.
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Aggressive PMS (High Risk - High Return)
For investors seeking strong growth and willing to accept market volatility.
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Growth PMS
Focuses on high-growth stocks and sectors with potential for significant capital appreciation.
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Thematic PMS
Invests in bold, future-focused themes like technology, ESG, or consumption trends.
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Mid & Small-cap PMS
Targets smaller companies with high growth potential but greater market risk.
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Defensive PMS (Low Risk - Capital Preservation)
Ideal for conservative investors who prioritise stability and income.
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Debt PMS
Focuses on fixed-income instruments like bonds and debentures for steady returns.
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Dividend Yield PMS
Invests in companies with a strong history of consistent dividend payouts.
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Large-Cap PMS
Prioritises well-established, financially sound companies with lower volatility.
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Hybrid PMS (Balanced Risk - Growth + Stability)
A mix of equity and debt to balance risk and reward.
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Balanced/Hybrid PMS
Combines equity and fixed-income instruments for moderate risk and returns
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Multi-Asset PMS
Diversifies across assets classes like equity, debt, and sometimes gold or real estate.
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Asset Allocation PMS
Dynamically adjusts allocations based on market conditions and investor profile.
Home Loans
Finance your dream home with competitive interest rates and flexible repayment terms.
Loans
Loan Against Securities
Raise capital by pledging shares, mutual funds, or other financial assets—without selling them.
Loan Against Property (LAP)
Unlock the value of your residential or commercial property for business or personal use.
Personal Loan
Quick, unsecured funding for emergencies, weddings, travel, or other personal needs.
Business Loan
Fuel your business growth with loans tailored for expansion, working capital, or equipment purchase.
SME/MSME Loan
Customized loans to support small and medium-sized enterprises in scaling operations.
Liquid Funds
A smart alternative to traditional savings, liquid funds are short-term debt mutual funds that invest in high-quality, low-risk instruments like treasury bills and commercial papers.
Ideal For: Parking surplus cash, emergency funds, or short-term financial goals.
Key Benefits:
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Higher returns than a savings account
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No lock-in period
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Withdrawals typically processed within 24 hours
Additional Services
For Those Who Value Liquidity, Safety, and Predictable Returns
Why Include These in your Portfolio?
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Liquidity + Stability: Balance flexibility with safety
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Tax Efficiency: Especially when held for a longer period
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Ideal for All Life Stages: From early savers to retirees
Fixed Income Products
Designed for capital preservation and steady returns, fixed income instruments include bonds, debentures, fixed deposits, and government securities.
Ideal for: Conservative investors seeking regular income with lower market volatility.
Key Benefits:
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Predictable and consistent income
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Lower risk compared to equity investments
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Diversification of your investment portfolio
