SAHAYAK.COM

19/03/2026

SEBI link- https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13

Happy Navratri
This Navratri holds a very special place in my heart.

When I look back at my journey in financial services, I started in 1998 as an LIC agent with a simple goal to serve families and help them secure their future. Over the years, that journey evolved step by step:
* Mutual Fund Distribution (2007)
* CFP (Certified Financial Planner) – 2009
* Insurance Broker – 2011
* Sub-broker with Motilal Oswal – 2017.

With every phase, the vision became clearer to build something meaningful and something that truly adds value to our clients lives.
In 2025, I took a significant step forward by establishing Sahayak Financial Services Pvt. Ltd (shifting from proprietary business to Pvt Ltd). A platform built with the intention of offering comprehensive financial solutions under one roof. However, I realised that to truly serve my clients better, I need to move towards a more structured, unbiased and efficient advisory approach—one that focuses on personalised financial planning and the use of better systems and processes to deliver timely, consistently and providing high-quality services.
To bridge that gap, I committed myself to a new milestone. After clearing the required exams in June 2025 and fulfilling all SEBI regulatory requirements, I am delighted to share that I am now a SEBI Registered Investment Advisor (RIA) (Registration No. INA000022066) as of March 2026.
As on date, there are only around 997 RIAs in India, and I feel deeply humbled and proud to be among them. There is only 1 RIA in J&K and 5 RIA’s in Faridabad including me.
This transition marks a new chapter where I will focus on offering pure fee-based, unbiased financial advisory while my capable team continues to take care of the distribution side seamlessly.

To all my Sahayak clients
This milestone is not mine alone. It belongs to each one of you. Your trust, your belief and your continued support have been the foundation of everything I have built.
I started alone but today because of you Sahayak has grown into a strong, professional platform. For that I will always remain grateful.
I look forward to meeting all of you soon at a get-together and beginning this new chapter together.

With heartfelt gratitude,
Anil Kumar Koul
Sahayak Financial Services Pvt. Ltd.

14/03/2026

https://youtu.be/_1-QclSBzhY

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07/03/2026

Hi Investors,

I have just uploaded a short video explaining the ongoing conflict between Israel and Iran and its potential impact on global markets.

Would love to hear your thoughts and feedback.

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22/11/2025

24/09/2025

NJ & TATAAIA LIFE INSURANCE CO. has tailored two products which will work like a mutual fund unlike mutual fund which attracts capital gain tax on redemption
Tata AIA SIP 360 (Higher Maturity + Life Cover)
Works like a mutual fund but tax-free on redemption if yearly premium ≤ ₹2.5 lakh or SIP ≤ ₹20k/month (as per current Income Tax laws).
Life cover available up to 360 times monthly SIP until age 40 at nominal mortality charges.
Example scenario:
If “A” invests ₹20k/month for 20 years for child’s education/marriage,
And passes away after 10 years:
Nominee receives ₹72 lakh (Sum Assured)
SIP continues for full 20 years, maturity proceeds go to nominee, tax-free.
SIP invested in Tata Aia Life Fund schemes (Large, Mid, Multi, or Small Cap) as per investor’s choice.
Very low charges:
Fund Management Charge (FMC): 1.20–1.35% per year
Admin charge: 0.25% or ₹500 (whichever is lower)
No allocation charges.
Flexible fund switching: 12 times/year at NIL charge (unlike MF).
Surrender/ PARTIAL Withdrawal possible after 5-year lock-in period.
No GST applicable.
For any clearification pls feel free to contact
Sahayak Financial Services Pvt. Ltd.
Tata AIA Smart Pension Scheme (Retirement Solution)
Lumpsum investment plan exclusively for retirement.
Higher equity exposure than NPS: can invest up to 100% in equity (NPS allows only 75%).
Scheme selection based on risk appetite and time horizon.
Tax benefits:
60% of accumulated corpus tax-free
Remaining 40% converted to annuity
Nominee receives tax-free repurchase value on pensioner’s demise.
Nominal mortality charges in initial years (Sum Assured = 105% of premium).
Low charges: FMC 1.20–1.35%, Admin 0.25% or ₹500, NIL allocation charges.
Fund switching allowed 12 times/year without charges.
No GST applicable.
Key Advantages of Both Plans:
Tax-free maturity/benefits under current IT laws.
Life cover protection along with wealth accumulation.
Flexible investment options (fund type & switching).
Minimal charges, better than traditional plans or NPS.
Pl. contact if you need more information or clarification.

Sahayak Financial Services Pvt Ltd

27/08/2025

Happy Ganesh Chaturthi

16/08/2025

Let us celebrate Krishna Janmashtami with boundless happiness, Warm wishes to you all on this auspicious occasion of Shri Krishna Janmashtami.