Aapke parivaar ke liye sahi insurance aur investment planning
CFP certified advisor se honest salah — na zaroorat se zyada policy, na koi hidden charges. 700+ families ka bharosa.
- CFP Certified
- IRDAI Licensed
- AMFI Registered
- FIA Certified
Aapko kis cheez ki planning karni hai?
Apni zaroorat chuniye — dekhiye kya milta hai, kiske liye sahi hai aur kin baaton ka dhyan rakhna hai.
Life Insurance
Aapke na rehne par bhi family ka lifestyle, bachon ki padhai aur loan ki EMI secure rahe — life insurance ka yehi asli kaam hai.
- Term Plan — kam premium mein bada life cover, pure protection.
- Endowment / Money-back — protection ke saath fixed-term savings.
- ULIP — insurance ke saath market-linked investment (market risk ke saath).
- Whole Life — poori zindagi ka cover.
Health Insurance
Ek badi bimari saalon ki bachat khatam kar sakti hai. Sahi health cover wo bojh aap par aane se pehle hi utha leta hai.
- Family Floater — poori family ek hi sum insured mein.
- Senior Citizen Plans — mata-pita ke liye alag cover.
- Critical Illness — gambhir bimariyon ke liye extra suraksha.
Mutual Fund & SIP
Chhoti, regular bachat se lambe samay mein wealth banti hai — bas sahi fund aur discipline chahiye.
- Equity funds — long-term growth ke liye, zyada risk ke saath.
- Debt funds — kam volatility, stable goals ke liye.
- Hybrid funds — dono ka balance.
- SIP — kai schemes mein ₹100 ya ₹500 se shuruaat.
Retirement Planning
Retirement mein salary band ho jaati hai, lekin kharche nahi. Isliye corpus ki planning kaam karte hue hi shuru honi chahiye.
- Corpus target — aaj ke kharche aur inflation ke hisaab se.
- Asset mix — age aur risk ke hisaab se equity, debt aur insurance ka balance.
- Regular review — har saal progress check aur zaroorat par badlav.
Child Future Planning
Padhai aur shaadi ke kharche har saal badhte hain. Alag goal, alag timeline — aur plan aisa jo aapke bina bhi chale.
- Goal cost — aaj ki fees ko inflation ke saath future value mein badalna.
- Goal-based SIP — lambe samay ke liye structured investing.
- Protection — parent ke na rehne par bhi goal secure rahe.
Tax Saving
Sahi planning se aap tax bacha sakte hain — bina zaroorat ke koi product kharide.
- Section 80C — life insurance premium, ELSS jaise options.
- Section 80D — health insurance premium par deduction.
- Tax regime — old aur new regime ka tulnaatmak hisaab.
General Insurance
Ek durghatna ya chori ka nuksan saalon ki mehnat par bhaari pad sakta hai. Sahi cover us risk ko aapse door rakhta hai.
- Vehicle — car aur bike insurance.
- Home — ghar aur saaman ka cover.
- Business — dukaan aur business ke liye cover.
Apna plan khud check karein
Do simple calculators — SIP se kitna ban sakta hai aur family ko kitne life cover ki zaroorat hai.
Aapko lagbhag itna additional life cover consider karna chahiye
Thumb rule: annual income ka 10-15 guna + loans − maujooda cover.
Is estimate par salah leinYe calculators sirf illustration ke liye hain. Expected return ek assumption hai, guaranteed nahi; mutual fund investments market risks ke adheen hain aur actual returns alag ho sakte hain. Life cover ka estimate ek thumb rule par based hai — asli zaroorat aapke kharchon, dependents aur goals par depend karti hai.
Meet Mr. Kuber Dewangan
Founder & CEO | KD FinServe — Raigarh, Chhattisgarh
🙏नमस्ते , KD FinServe mein aapka swagat hai...
Pichhle 10+ Years se main financial services industry mein active hoon, aur mera mission clear hai: Raigarh, Chhattisgarh aur aas-paas ke shehron ki har family ko sahi financial planning ka fayda dilana.
Insurance aur investment ko lekar logon mein kaafi confusion hai — kuch inhe zaroorat se zyada risky maante hain, toh kuch sirf high-income logon ke liye. Haqeeqat yeh hai ki financial planning har income group ke liye zaroori hai. Yahan ke bahut se log kamaai galat schemes mein laga dete hain, ya bank savings mein 3-4% return par chhod dete hain — isi gap ko bharne ke liye maine KD FinServe shuru kiya.
Mera Mission Simple Hai — Har Indian household tak professional, transparent aur honest financial guidance pahunchana, bina kisi hidden charges ya misleading advice ke.
Log, KD FinServe par bharosa kyun karte hain
Certified & licensed advisor
IRDAI, AMFI aur NISM — teenon certifications ke saath, aapka paisa sahi haathon mein.
No hidden charges
Fees, commission aur policy terms — sab kuch upfront aur clearly samjhaya jaata hai.
Policy ke baad bhi saath
Claim ho ya renewal, portfolio review ho ya koi bhi query — main available hoon.
Apne sheher ka advisor
Raigarh mein based hoon aur yahan ke logon ki zarooraton ko achhe se samajhta hoon.
Shuruaat kaise hoti hai
Chaar simple steps, bina kisi pressure ke.
Baat-cheet
Call ya WhatsApp par apne goals aur current financial situation batayein.
Samajhna
Income, family, loans aur risk profile samajhkar aapki asli zaroorat tay karte hain.
Aapka plan
Sahi plan suggest karte hain — terms, charges aur risks clearly samjhakar.
Lifetime support
Policy ya investment ke baad bhi review, renewal aur claim mein madad.
Hamara vision, mission aur values
Hum sirf policies ya investments bechne wale nahi — hum financial roadmaps banate hain jo families ko har life stage mein guide karein, unki pehli salary se lekar peaceful retirement tak.
Our Vision
India ka sabse trusted financial services platform banana, jahan har family — income kitna bhi ho — professional guidance aur secure investment opportunities pa sake.
- Financial InclusionUnderserved communities tak affordable financial solutions pahunchana
- Financial LiteracyClients ko educate karna taaki wo informed decisions le sakein
- Trust & TransparencyHonest advice ke through long-term relationships banana
Our Mission
Personalized, ethical aur comprehensive financial solutions dena jo families ko protect karein aur strategic planning se unki wealth grow karein.
- Personalized ApproachHar individual aur family ke liye customized financial plans
- Lifetime SupportContinuous guidance aur portfolio monitoring
- Ethical PracticesClient-first approach, complete transparency ke saath
Integrity
Har transaction mein transparency ke saath honest advice
Client First
Aapke goals hamari top priority hain
Excellence
Behtar solutions ke liye continuous learning
Empathy
Aapki zarooraton ko care ke saath samajhna
Financial gyaan, simple bhasha mein
Hamare blog ke latest articles — insurance aur investment ki zaroori baatein.
Aksar pooche jaane wale sawaal
Term plan aur endowment plan mein kya fark hai?
Term plan sirf protection deta hai — premium kam hota hai aur policy term mein kuch hone par family ko sum assured milta hai. Endowment plan mein protection ke saath savings bhi hoti hai, isliye premium zyada hota hai aur maturity par amount milta hai. Kaunsa sahi hai, yeh aapke goals aur budget par depend karta hai.
SIP kitne paise se shuru kar sakte hain?
Kai mutual fund schemes mein SIP ₹100 ya ₹500 se shuru ho jaati hai. Zaroori yeh hai ki aap regular rahein aur apne goal aur risk profile ke hisaab se fund chunein. Mutual fund investments market risks ke adheen hote hain.
Kya mutual fund mein paisa safe hota hai?
Mutual funds market-linked hote hain, isliye returns guaranteed nahi hote aur value upar-neeche ho sakti hai. Risk fund ke type aur aapke investment period par depend karta hai — lamba time horizon aur sahi asset mix risk ko manage karne mein madad karte hain.
Health insurance kab lena chahiye?
Jitni jaldi, utna behtar. Kam umar mein premium kam hota hai aur pre-existing bimariyon ka waiting period bhi jaldi poora ho jaata hai. Beemar hone ka intezaar na karein.
Claim kab reject ho sakta hai?
Aam wajah hain: health ya income ki jaankari chhupana, waiting period ke andar claim karna, premium time par na bharna, aur incomplete documents. Isiliye policy lete waqt sahi jaankari dena bahut zaroori hai.
Kya 80C aur 80D ka fayda sabko milta hai?
Ye deductions old tax regime mein milte hain; new regime mein generally nahi. Aapke liye kaunsa regime behtar hai, yeh income aur investments par depend karta hai — mujhse baat karke aap dono compare kar sakte hain.
Policy lene ke baad bhi kya aap saath dete hain?
Haan. Renewal, portfolio review aur claim support — policy ke baad bhi aap mujhse seedha baat kar sakte hain.
Secure Today, Grow Tomorrow
Apne parivaar ke financial goals ke baare mein baat karne ke liye ek message ya call kaafi hai.
Insurance is the subject matter of solicitation. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully before investing.
Is website par di gayi jaankari aur calculators general information aur illustration ke liye hain. Ise personalized financial advice na samjhein — koi bhi decision lene se pehle apni situation ke hisaab se advisor se salah lein.