Insurance for protection. Mutual Funds for long-term wealth creation.
How healthy is your money, honestly? · 6 questions · about 90 seconds
Protection for You & Your Loved Ones
Insurance is the subject matter of solicitation. Benefits, exclusions and terms vary by insurer and product; please read the policy wording before purchase.
Invest Today, Secure Tomorrow
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns.
Often the hardest cover to get
If you run a shop, work for yourself, or farm, you may have no salary slip and no income tax return — and that is usually where a term insurance application stops. Some insurers accept other financial evidence instead, such as the IDV of a vehicle you own. We will tell you which insurers currently allow this and exactly what they want to see.
Whether this is available to you depends on the insurer's underwriting rules, your age, and the amount of cover applied for. It is not a guarantee that any proposal will be accepted.
The 90-second check
Six questions. No sign-up, no email wall, no sales call unless you ask for one. You get a score out of 100 and the exact gaps behind it.
6 questions · about 90 seconds
Pick a goal and we will work out the number together.
Plan. Calculate. Achieve.
This is an assumption you chose. It is not a rate any scheme offers or that we are promising.
Illustrated value
₹50.46 L
You would invest
₹18 L
Growth on top
₹32.46 L
This is an illustration based on the numbers you entered and an assumed rate of return. It is not a projection, a promise, or a guarantee of any outcome.
Go deeper
The calculators above work on your numbers, instantly and privately. These six look at actual schemes and what they really did, using NJ's full NAV history. They open on NJ Wealth, the platform we invest through.
What a one-time investment in a chosen scheme would have grown to, using that scheme's actual past NAVs.
Open on NJ WealthHow a scheme did across every possible start date in a period, rather than one flattering one. The honest way to read past performance.
Open on NJ WealthWhat a monthly SIP into a chosen scheme would have become over a period you pick.
Open on NJ WealthYour SIP plotted against the scheme's NAV, so you can see what continuing to buy through the falls actually did.
Open on NJ WealthWhether a chosen monthly withdrawal would have lasted, scheme by scheme, against real history.
Open on NJ WealthThe scheme's own details — category, portfolio, benchmark and track record — in one place.
Open on NJ WealthAll six sit on one page — pick the tab you want once it opens.
Open all six calculatorsThese tools show what a scheme did in the past. Past performance is not indicative of future returns, and a scheme that did well over one period may not over another. Nothing here is a recommendation of any particular scheme.
The most expensive habit in investing
If you invest ₹10,000 a month for 20 years, this is what one year of hesitation costs you at the end.
This is an assumption you chose. It is not a rate any scheme offers or that we are promising.
The difference
₹12.38 L
Same monthly amount. Same rate. Same finish line. The only variable is when you begin — and it is the one that costs the most.
This is an illustration based on the numbers you entered and an assumed rate of return. It is not a projection, a promise, or a guarantee of any outcome.
Straight answers, including the ones about what we get paid.
If you have no salary slip or income tax return, some insurers accept other financial evidence instead, such as the IDV of a vehicle you own. Whether this is available depends on the insurer's underwriting rules, your age and the amount of cover applied for. It is not a guarantee that any proposal will be accepted.
The 'Open a Mutual Fund Account' button takes you to NJ India Online's secure onboarding page. Your application is tagged to ARN 341342, so the account stays linked to us for service. It takes about fifteen minutes and you will need your PAN, Aadhaar and a bank account.
Yes. We work with families across Andhra Pradesh and Telangana in Telugu, and this entire website is available in Telugu. Explaining a SIP or a term policy properly matters more than explaining it in English.
You pay us nothing directly. We are paid commission by the Asset Management Company whose scheme you invest in, which is built into the scheme's expense ratio. We are a distributor, not a SEBI Registered Investment Adviser, so we do not charge a separate advisory fee.
There is no single right answer — it depends on your income, your obligations and what you are saving for. The SIP and Goal calculators on this site let you work backwards from a target, and the Money Health Score takes ninety seconds and tells you which gap to close first.
Your money never passes through us. It goes directly from your bank account to the Asset Management Company, and the units are held in your own name with the fund's Registrar and Transfer Agent. We are an AMFI-registered distributor (ARN 341342) who helps you choose, apply and review.
Not answered here? Just ask.
WhatsApp Us
I am an AMFI-registered mutual fund distributor working with families across Andhra Pradesh and Telangana. Most of my clients come from someone they know, not from an ad — which means I only keep working if the advice was honest the first time.
We can do all of this in Telugu.