Frequently Asked Questions

Wealth management is a comprehensive financial advisory service that combines investment management, financial planning, tax optimisation, estate planning, and risk management into a personalised strategy. At Mintra FinServ, we take a holistic approach — looking at your entire financial picture, not just your investments.

We serve clients with investible portfolios starting from ₹10 Lakhs. Our services are tailored to each client's specific goals and risk profile, whether you are building wealth or preserving it across generations.

We operate on a transparent, fee-based model. Our fees are based on a percentage of AUM or a flat advisory fee — we do not earn commissions from financial products. This ensures our advice is always in your best interest. Fee details are discussed during the initial free consultation.

Yes, Mintra FinServ is a SEBI Registered Investment Advisor (RIA). Our SEBI registration ensures we are bound by a fiduciary duty to act in your best interest. You can verify our registration at sebi.gov.in.

CFP® (Certified Financial Planner) is an internationally recognised credential awarded by FPSB India. It is the gold standard in financial planning. Our founder Ankit Choradia is CFP® certified, demonstrating expertise across investments, tax, retirement, and estate planning.

We conduct formal portfolio reviews quarterly, with interim check-ins whenever there is a significant market event or change in your financial situation. You can also reach out to us anytime via phone, WhatsApp, email, or video call.

No advisor can or should guarantee specific returns as market performance is inherently uncertain. A well-diversified, professionally managed portfolio has historically delivered 12–15% CAGR over long periods in India. Our focus is on risk-adjusted returns — maximising wealth while managing downside risk appropriate to your profile.

Yes, tax optimisation is a core part of our wealth management service. We help minimise tax liability through strategic LTCG/STCG harvesting, ELSS investments, and utilising Section 80C, 80D, and Section 24 deductions to reduce your overall tax burden legally.

Absolutely. We help you calculate your retirement corpus requirement, build a systematic investment plan to achieve it, and manage the drawdown phase to ensure your wealth lasts throughout retirement. We also help with NPS, PPF, EPF optimisation.

We believe in evidence-based, long-term investing. We construct diversified portfolios across asset classes — equity (direct stocks, mutual funds, PMS), debt, gold, and real estate — aligned with your risk tolerance and time horizon. We avoid market timing and focus on disciplined, systematic investing.

We help you compare home loan offers from 30+ banks and NBFCs, identify the best interest rate and terms for your profile, assist with documentation, and liaise with lenders on your behalf. Our loan consultancy is free — we are compensated by lending institutions, not by you.

Typical documents: KYC (Aadhaar, PAN, passport photo), income proof (last 3 years ITR, salary slips or business P&L), bank statements (6–12 months), property documents (sale agreement, title deed, NOC from builder), and CIBIL credit report. We provide a detailed checklist tailored to your situation.

As of April 2026, home loan rates range from 8.5% to 9.5% p.a. (floating) from leading banks for borrowers with CIBIL scores above 750. Rates vary based on income, loan amount, property type, and lender. Contact us for a personalised rate comparison.

Home loan approvals typically take 7–21 working days from document submission. In-principle sanction can come within 3–5 days. Final disbursement depends on property verification and legal clearance. We help expedite the process by ensuring your application is complete from day one.

Yes. We assist business owners with working capital loans, business expansion loans, machinery loans, commercial property loans, and MSME loans. We help identify the right lender, structure your application, and navigate the approval process.

LAP is a secured loan where you pledge owned property (residential or commercial) as collateral to borrow funds for any purpose — business, medical, education, or debt consolidation. LAP interest rates (9–12% p.a.) are significantly lower than personal loans, and you can borrow up to 60–70% of the property value.

Our loan consultancy service is free for borrowers. We are compensated through a referral arrangement with lending institutions, which does not affect the loan terms or interest rate you receive. Our goal is to get you the best possible loan deal.

Yes. We review your credit report, identify factors impacting your score, and provide a personalised action plan. Common improvements include clearing outstanding dues, correcting errors in your credit report, and restructuring existing loans. Most borrowers can improve their score by 50–100 points within 6 months.

A longer tenure means lower EMI but higher total interest cost. A shorter tenure means higher EMI but significant interest savings. We help you find the optimal tenure based on your income, age, financial goals, and cash flow requirements. Use our financial tools to calculate.

Yes. NRIs can apply for home loans in India to purchase residential property in Hyderabad. The process involves NRE/NRO account statements, overseas income proof, and a Power of Attorney for a resident India representative. We have experience assisting NRI clients with home loan applications.

Our office is at 3rd Floor, S L Square Building, 301, H.No. 3/5/886 to 888, Street No. 3, Above Kia Showroom, Himayatnagar, Hyderabad – 500029. We are easily accessible from Banjara Hills, Jubilee Hills, Basheerbagh, and Somajiguda.

Monday to Friday: 9:30 AM – 6:30 PM. Saturday: 10:00 AM – 2:00 PM. Closed Sundays and public holidays. For urgent queries outside working hours, reach us via WhatsApp at +91 88866 36600.

Yes. We offer virtual consultations via Google Meet, Zoom, or WhatsApp video call for clients who prefer remote meetings or are outside Hyderabad. Many of our clients from Bangalore, Mumbai, and overseas connect with us digitally.

Call us at +91 88866 36600, email connect@mintrafinserv.com, or fill out the contact form on our website. Initial consultations are free and can be in-person or via video call.

Yes. While our office is in Hyderabad, we serve clients across Telangana, Andhra Pradesh, and other states via virtual consultations. We also assist NRI clients based overseas who want to invest in India or need home loan assistance for Hyderabad properties.