Borrow Smart. Invest Better. Grow Confidently.
Whether you're planning for your child's future, a home, marriage, retirement or long-term wealth, start by understanding what you're working towards.
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What are you planning for?
Choose a goal to open a short, illustrative planner. No product is suggested.
Your goals come first. Products come later.
A simple six-step path, the same for every conversation.
Where are you in your financial journey?
My Financial Goals
A conceptual prototype of how your goals could be tracked together.
Explore, don't predict.
Every calculator is illustrative and built on assumptions you can change.
Learn at your own pace.
Education, not promotion.
Guidance for every stage of your financial life.
Pick an area to see what it covers, how it works and what to expect from a first conversation.
Invest globally, or into India, through GIFT City.
GIFT City (the International Financial Services Centre in Gujarat) lets investors access dollar-denominated funds under a single regulator, the IFSCA. Choose the direction that fits you.
Invest abroad from India
For resident Indians who want global equity and bond exposure through IFSC funds, using the RBI's Liberalised Remittance Scheme (LRS), up to US$250,000 per person per financial year.
Indicative minimum investment
| Retail or mutual-fund-type schemes | From about US$500 to US$10,000, scheme-specific |
| Portfolio management services (PMS) | US$75,000 |
| Alternative investment funds (AIF) | US$150,000; accredited investors as per scheme |
Benefits
- Global diversification across markets and currencies
- Dollar-denominated investing through an Indian financial centre
- Regulated by the IFSCA, a single unified regulator
- Professionally managed funds, without setting up overseas accounts
Invest in India through GIFT City
For NRIs, OCIs and foreign investors who want India exposure through IFSC-based funds. Resident Indians cannot use inbound funds.
Indicative minimum investment
| Retail inbound schemes | From about US$500, scheme-specific |
| Portfolio management services (PMS) | US$75,000 |
| Alternative investment funds (AIF) | US$150,000; accredited investors as per scheme |
Benefits
- India exposure managed by Indian fund managers, in US dollars
- A simpler route for non-resident and foreign investors
- IFSCA-regulated structures
- Certain tax benefits for IFSC funds and non-resident investors, subject to conditions
Know what you keep, before you sell.
Rates and holding periods for FY 2026-27 (AY 2027-28). Which gains are taxed at special rates, and which income is taxed at your slab rate.
Taxed at special capital gains rates
Taxed at your normal slab rate
About the "standard deduction" on capital gains
There is no general standard deduction on capital gains. The relevant relief is the ₹1.25 lakh a year exemption on long-term gains from listed shares and equity-oriented mutual funds. It applies to the total of all such gains in a financial year, not to each scheme. Short-term gains get no such exemption, and no Chapter VI-A deductions or Section 87A rebate can be set against these gains. A resident individual whose other income is below the basic exemption limit can adjust the shortfall against these gains. Reinvestment reliefs such as Sections 54, 54F and 54EC apply to certain property gains.
Worked examples
Our investment business is partnered with.
Our investment business is partnered with NJ India Invest Pvt Ltd and Centricity Wealth Tech Private Limited.
Names and logos belong to their respective owners and are shown for information only. Mutual fund investments are subject to market risks.
Protect what matters, with the right cover.
Choose Life or General insurance and share a few details. We come back after assessing your requirement.
Let's talk about what you're planning for.
Reach us on WhatsApp or email. Share your goal or requirement and our representative from Invescredi will get back to you.
Where Financial Experience Meets a Vision for Tomorrow
Invescredi was born from a simple yet powerful belief: financial decisions should be guided by experience, understanding, and a long-term vision, not by complexity or short-term noise.
Built with the vision of creating a trusted financial ecosystem, Invescredi aims to bring together practical financial knowledge, investment insights and a deep understanding of the evolving needs of individuals, families and businesses.
Our philosophy is simple: understand first, guide responsibly, and build for the long term.
The Vision Behind Invescredi
At the heart of Invescredi is Souvikk Banerjee, a banking professional whose career has provided him with extensive exposure to the many dimensions of the financial world.
His professional journey has given him a strong understanding of banking, working capital finance, foreign trade, foreign exchange remittances and wealth management, areas that provide a unique perspective on how money moves, how businesses operate, and how individuals can plan and manage their wealth more effectively.
Years of working closely with financial transactions and client requirements have reinforced one important lesson:
“Every financial decision has a story behind it. Understanding that story is the first step towards making a better decision.”
This philosophy forms the foundation of Invescredi.
From Banking Experience to an Entrepreneurial Dream
For Souvikk, entrepreneurship was never simply about starting a business.
It was a dream to build something enduring: an institution that could grow beyond an individual, create meaningful relationships, and develop a network capable of sustaining itself over the years.
The vision is to create a self-sustaining financial network, where knowledge, relationships and opportunities continuously create value for one another.
Invescredi represents that journey from professional experience to entrepreneurial vision.
It brings together the discipline of banking, the understanding of financial markets, the importance of responsible wealth creation and the entrepreneurial ambition to build something that can stand the test of time.
Our Approach
At Invescredi, we believe that wealth is not created through a single decision. It is built through clarity, discipline, informed choices and consistency over time.
Our approach revolves around:
Understanding
Every individual and business has different financial objectives, circumstances and aspirations.
Guidance
Financial decisions should be approached with knowledge and a clear understanding of opportunities and risks.
Perspective
Short-term market movements should not overshadow long-term financial objectives.
Relationships
Sustainable growth is built on trust, transparency and relationships that evolve over time.
Vision
We aspire to create an ecosystem where every relationship contributes to a larger, self-sustaining network of financial growth and opportunity.
Building Something That Lasts
The ambition behind Invescredi extends beyond today.
The goal is to build a trusted financial ecosystem that grows through relationships, knowledge and collective progress, creating a network that becomes stronger with every individual, family, entrepreneur and business that becomes part of the journey.
Because true success is not merely about building something profitable. It is about building something valuable, trusted and enduring.
Finance built around a doctor's practice.
From setting up a clinic to expanding a hospital, weigh your borrowing options in one professional conversation.
Working capital, built on your turnover.
Assessed on the turnover method, using your last two years of turnover and profit and your current-year GST turnover. See an indicative limit before you speak to a lender.
- Last two years of turnover and profit
- Current-year turnover as per GST
- Existing limits and collateral considered
- Vintage and line of business reviewed
Premium homes deserve a premium home loan experience.
High-value home loans need careful structuring. We compare options across leading lenders for new loans and balance transfers, and guide you from assessment to disbursement.
- Home loans of ₹1 crore and above
- New purchase or balance transfer
- Options compared across leading banks and housing finance companies
- Guidance through documentation and disbursement
We don't log your file randomly. We log it judiciously.
A file sent to the wrong lender can leave you with delays, enquiries and rejections. We take a clear call on fit first and log in only where your file belongs.
Judicious logins
Your file is logged only with lenders whose criteria it fits, never sent around at random.
Assertive decisions
We make a clear, confident call on fit before any login, so you know where you stand.
Ease of sanctioning
A well-matched, well-prepared file makes the path to sanction smoother.
Hassle-free disbursement
We stay with your file through documentation to disbursement.
Approval, rate and disbursement are subject to the lender's credit assessment.
Check your basic loan eligibility.
Answer a few questions to get an indicative view. We ask for your mobile number and email first, then show your result.
Planning to borrow? Start with a simple enquiry.
Tell us what the loan is for and how much you need, then weigh your options before you decide anything.
An enquiry is not an application. Rates, terms and approval rest with the lender.Our major lending partners.
Loan options are facilitated through leading banks and NBFCs, so you can understand your choices before you decide. Rates, terms and approval rest with each lender.
Banks
NBFCs
Names and logos belong to their respective owners and are shown for information only. Availability of a lender depends on the product, your profile and your location. Mutual fund investments are subject to market risks.
Plan • Invest • Grow
Our objective is not simply to offer financial products. It is to help you understand the available options, evaluate the risks and make informed financial decisions.
Smart Decisions Today. Stronger Tomorrow.
Why start with a conversation?
No Product Pressure
Start by discussing your goals and financial situation.
Goal First
Your financial priorities guide the conversation.
Long-Term Relationship
Financial planning evolves as your life changes.
Questions people ask before they start.
Straight answers about how we work, how we earn and what to expect.
Is this website giving me investment advice?
No. The content here is educational and the calculators are illustrative. invescredi is an AMFI Registered Mutual Fund Distributor (ARN 365129), and Souvikk Banerjee is NISM certified. Options can be discussed in a conversation, and the decision always stays with you.
Do I have to invest in mutual funds?
No. Not everyone needs to, and not everyone needs to start there. Often the first steps are clarity on goals, an emergency fund, adequate protection and a comfortable level of borrowing. Products come up only when they fit your situation.
What happens in a first conversation?
We talk through your goals, your current position and your responsibilities. No product is pushed, and you decide whether to go further. You can start with the Financial Health Check to come prepared.
Are returns guaranteed?
No. Market-linked investments can rise and fall, and you may get back less than you put in. The calculators on this site use assumptions you enter, so their results are illustrations, not forecasts or promises.
How does the advisor earn?
As a mutual fund distributor, the advisor may earn commission from asset management companies when you invest through them, and for insurance, commission from the insurer. You are welcome to ask for details before you proceed.
Who holds my money?
For mutual funds, investments are made in your own name with the fund house, and you receive statements directly from the fund house or its registrar. Ask us about how any other product you are considering works before you go ahead.
Does a loan enquiry mean I have applied for a loan?
No. An enquiry only starts a conversation. Interest rates, fees, eligibility, tenure and approval are decided by the lender, and nothing here is a sanction or a guarantee of approval.
What details do you need for a loan enquiry?
Your name, contact number, the type and amount of loan, and your profession. For a business purpose we also ask for the age of the business, its nature and turnover for the last two years. Any documents needed later depend on the lender.
What personal information do your forms ask for?
Only basic contact and enquiry details. We do not ask for PAN, Aadhaar or bank details in these forms, and an enquiry reaches us only when you choose to send it on WhatsApp or by email.
Not sure what your next financial step should be?
Start with a calm, no-pressure conversation. Understand your current position and the goals that matter most to you.
Prefer to chat? WhatsApp +91 98362 05959 · enquiry@invescredi.in