EXPLORE R B Financial Apothecary SOLUTIONS

At RBFA, we understand that every financial journey is unique. That’s why we design customised, goal-driven strategies that help you build, manage, and preserve wealth —  not just for today, but for generations to come.

CHOOSE YOUR TRACK

Customized plans for every industry sector

PMS / AIF

We offer third party Portfolio Management Service (PMS) & Alternate Investment funds (AIF) products. Once a PMS manager knows your financial goals, risk profile, and investment horizon, they craft a suitable strategy for you. Over time, they balance your investments across different assets and adjust them as needed to keep your plan on track. However, it is important to note that these PMS services are not static but rather dynamic and continually evolving in nature.

AIF- Alternative Investment Funds

Alternative Investment Funds (AIFs) are trusts that pool funds from investors and subsequently invest in complex instruments, such as private equity, venture capital, commodities, hedge funds, or real estate. They break the stereotype of traditional investing and divert attention towards alternative assets. They are available to those wealthy investors or High-net-worth individuals (HNIs) who have a minimum investment of ₹1 crore. Think of AIFs as niche investments that explore the world beyond stocks and bonds.

Under IFs, there are three types- Category I, II, and III. Category I & II funds cater to growth-potential investments, including private equity and debt funds. In contrast, Category III focuses more on complex products such as hedge funds, derivatives, and structured products.

SIF - Investment

Designed for those who prefer strategy over speculation, it blends insight, discipline, and foresight to help achieve elevated financial goals. Built for investors who demand purpose, precision, and performance. This platform is designed to give investors the best of both worlds – the ease of mutual funds and the customisation of AIF/PMS, thus offering a balanced way to build portfolios with options across equity, hybrid and fixed income suited to the changing needs of the investors.

What are mutual funds?

Mutual Funds (MFs) are a viable investment option for people looking to grow their wealth and achieve the financial goals they set out to achieve. These funds offer investors a way to diversify their investments and benefit from professional fund management. In this blog post, we'll discuss 7 great reasons one can consider investing in MFs today!

Diversification

Spread risk across asset classes.

One of the best advantages of investing in MFs is diversification. They allow investors to spread their money across a spectrum of securities such as stocks, bonds and other asset classes. This diversification reduces the overall risk of an investor’s portfolio and ensures their investments are not overly dependent on just one security or asset class. At ICICI Bank, we have a range of Mutual Funds that can diversify investments across different sectors and asset classes. For example, the ICICI Prudential Equity & Debt Fund invests in a combination of equity and debt securities, providing investors with a diversified portfolio that balances risk and optimises returns.
Professional Fund Management

Expert fund managers handle investments with discipline and research.

MFs offer Professional Fund Management. These funds are managed by experienced and successful Fund Managers with the knowledge and expertise to identify the best investment opportunities and minimise risk. Fund Managers use various tools and techniques to analyse market trends and opt for securities that offer the best potential returns.

At ICICI Bank, our MFs are managed by experienced Fund Managers who abide by disciplined investment protocols to identify ideal opportunities in different market conditions. Our Fund Managers have a proven track record of delivering consistent returns to investors over the long term.
Easy Access

Start investing online with small amounts, anytime and anywhere.

Investing in MFs is seamless and convenient, even for first time investors. People can buy the funds online or through a financial advisor and begin with a small amount of money. The option to invest small has made Mutual Funds an accessible investment option. ICICI Bank’s wide range of MFs caters to different investment goals and risk profiles. Our online platform lets investors purchase and redeem Mutual Funds with ease and manage their investments from anywhere, anytime.
Tax Benefits

Save tax up to ₹1.5 lakh annually through ELSS investments.

Investing in MFs can also earn Tax benefits to investors. Certain types of funds such as Equity Linked Saving Schemes (ELSS), provide Tax benefits under Section 80C of the Income Tax Act of 1961. Investors can claim a deduction of up to Rs 1.5 lakh per year on investments made in ELSS, reducing their Tax liability.

Our ICICI Prudential Long-term Equity Fund (Tax Saving) is an ELSS scheme that offers investors tax benefits while providing exposure to quality equity investments.
Professional Risk Management

Risk is managed through diversification, allocation, and monitoring.

In a way, MFs also offer Professional Risk Management services to investors, without actually charging them for it. Fund Managers use many risk management techniques to mitigate potential risks associated with investing in securities. These techniques includes diversification, asset allocation and hedging strategies to name a few. At ICICI Bank, our approach to risk management ensures that our funds can deliver consistent long-term returns to investors, with minimal risk.
Low Cost

Enjoy lower investment and management costs compared to other options.

MFs are also a cost-effective investment option for investors. They have a lower entry cost than other investment options such as stocks or real estate. In addition, MFs also have lower transaction costs and management fees compared to other investment options in the market.

At ICICI Bank, we offer a range of MFs with low management fees and expense ratios, which makes them an affordable investment option for investors.
Long-term Returns

Grow wealth over time through compounding and market growth.

The most important reason to invest in MFs is the potential for long-term returns. While there is no guarantee of returns on any investment, MFs have historically and statistically delivered higher returns than other investment options such as Fixed Deposits (FDs) or Savings Accounts. Over the long-term, investors can and do grow their wealth aplenty through compounding, which multiplies the value of MFs.

We're good with numbers

50,000

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3.4 Million

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100,000

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