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About Us

  • BABLI Fin Tech is the short form of Brilliant And Best Legal Investment Financial Techniques. The Chief Investment Planner K.I.Korah AFGP is a Veteran of Indian Air Force. His 20 years of experience in Indian Air Force compelled him to Start this financial service. He completed various financial certified courses and now he is an Advanced Financial Goal Planner (AFGP) from AAFM ( American Acadamy of Financial Tax-free in India). He is a Certified NISM (National Institue of Security Markets) advisor. He successfully completed the IRDA(Insurance Regulatory Development Authority Exam for Insurance. He is also AMFI(Associate of Mutual Funds in India) Licence holder. He completed almost 15 long years in Financial Advisory field. He is Senior Sales Manager in Star health Insurance Company Ltd.
  • Our Vision is to Serve the country by serving individuals in the country. Financial Independance to every citizen of India. BABLI Fin Tech want to build investment habit in common man so that his future and thus his family's future is secured. How to fulfill his dreams about himself, children and family. We give service to the Serving people of India . India is great nation and every citizen of India is . to build the nation. There family must be secured. BABLI Fin Tech is dedicated to give Prompt Financial Planning & Investment Services to individuals to fulfill their financial goals. 
  • We always more interested to create wealth without Overseas the acquired wealth. We request you to kindly check our  Face Book page . “Brilliant And Best Legal Investment Fin Tech”. Read it and give a like to the page. Refer this page to your friends. Our blog avaiable in google as BABLI Financial Tips.
  1. We provide Tax-free Investment ideas to create wealth for Professionals. Systematic Investment Plan (SIP).
  2. Systematic Withdrawal Plan (SWP).  Systematic Transfer Plan(ST P).  systematic monthly pension plan . children
  3. education and marriage plan. Interest-free future loans.  short-term, Medium Term and Log term investment
  4. strategies..  Cashless medical treatment. Overseas journey protection Plans.. Diversified Portfolio management. 
  5. Any type of Insurances for health , wealth, Life and general Vehicle . 
  6. We provide Mutual Funds, Tax return Filing, PAN card services, Bond, Debenture etc. Demat Account. Complete
  7. financial planning for an Individual. Star Health Insurance for all.
  8. We have Apps for our client which can be downloaded from play store. OFA client. and the other is Bablifintech.

We provide internet tracking of our client's portfolio. www.bablifintech.com

Our You tube channel bablifintech started from 01 Jan 2018when we completed  15 years of glorious financial service.

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Features

Family Account

Access your family member's Portfolio
with one single login

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Transact Online

Invest Online in Lumpsum or SIP
in mutual fund schemes.

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Save Tax

Check out Tax Savings
and Invest into ELSS Funds

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Reports

View your current market value,
your profits & losses.

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Calculators

Calculate the amount of wealth
required for your goal

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Factsheet

Explore Mutual Fund schemes
and their performance

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Focused Funds

Check out our recommended funds
and invest into them

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Market Views

Get monthly market outlook
from the experts

E-Locker

Upload and save
your important documents.

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Mobile App

Manage your wealth & track your family’s portfolio with one single login. You can easily and quickly invest in Mutual Funds from the app. Explore funds, view their performance and invest. Start an SIP or invest Lumpsum. Check out our recommendation of funds under Focused Funds. Whether you made profits or loss, check out from the reports. Simply Login and setup a 4 digit PIN for subsequent login so that you don’t need to enter your Username & Password every time. Download Now!

Mutual Funds

 Basics of mutual funds - how they work, and how best they can serve as an investment tool. So whether you are planning for your house, child’s education or marriage, your car or vacations, Mutual fund is a simple, tax efficient and effective tool to invest for these goals. Besides, Mutual funds offer a wide bouquet of investment options – equity schemes, fixed income schemes, money market schemes, hybrid schemes, ETFs etc. which you can choose as per your needs..

A mutual fund is a professionally-managed trust that pools the savings of many investors and invests them in securities like stocks, bonds, short-term money market instruments and commodities such as precious metals. Investors in a mutual fund have a common financial goal and their money is invested in different asset classes in accordance with the fund’s investment objective. Investments in mutual funds entail comparatively small amounts, giving retail investors the advantage of having finance professionals control their money even if it is a few thousand rupees.

Mutual funds are pooled investment vehicles actively managed either by professional fund managers or passively tracked by an index or industry. The funds are generally well diversified to offset potential losses. They offer an attractive way for savings to be managed in a passive manner without paying high fees or requiring constant attention from individual investors. Mutual funds present an option for investors who lack the time or knowledge to make traditional and complex investment decisions. By putting your money in a mutual fund, you permit the portfolio manager to make those essential decisions for you.

A mutual fund company collects money from several investors, and invests it in various options like stocks, bonds, etc. This fund is managed by professionals who understand the market well, and try to accomplish growth by making strategic investments. Investors get units of the mutual fund according to the amount they have invested. The Asset Management Company is responsible for managing the investments for the various schemes operated by the mutual fund. It also undertakes activities such like advisory services, financial consulting, customer services, accounting, marketing and sales functions for the schemes of the mutual fund.

Benefits of investing in mutual funds:

Professional Management
When you invest in a mutual fund, your money is managed by finance professionals. Investors who do not have the time or skill to manage their own portfolio can invest in mutual funds. By investing in mutual funds, you can gain the services of professional fund managers, which would otherwise be costly for an individual investor.

Diversification
Mutual funds provide the benefit of diversification across different sectors and companies. Mutual funds widen investments across various industries and asset classes. Thus, by investing in a mutual fund, you can gain from the benefits of diversification and asset allocation, without investing a large amount of money that would be required to build an individual portfolio.

Liquidity
Mutual funds are usually very liquid investments. Unless they have a pre-specified lock-in period, your money is available to you anytime you want subject to exit load, if any. Normally funds take a couple of days for returning your money to you. Since they are well integrated with the banking system, most funds can transfer the money directly to your bank account.

Flexibility
Investors can benefit from the convenience and flexibility offered by mutual funds to invest in a wide range of schemes. The option of systematic (at regular intervals) investment and withdrawal is also offered to investors in most open-ended schemes. Depending on one’s inclinations and convenience one can invest or withdraw funds.

Low transaction cost 
Due to economies of scale, mutual funds pay lower transaction costs. The benefits are passed on to mutual fund investors, which may not be enjoyed by an individual who enters the market directly.

Transparency 
Funds provide investors with updated information pertaining to the markets and schemes through factsheets, offer documents, annual reports etc.

Well regulated
Mutual funds in India are regulated and monitored by the Securities and Exchange Board of India (SEBI), which endeavors to protect the interests of investors. All funds are registered with SEBI and complete transparency is enforced. Mutual funds are required to provide investors with standard information about their investments, in addition to other disclosures like specific investments made by the scheme and the quantity of investment in each asset class.

Mutual funds invest in different securities like stocks or fixed income securities, depending upon the fund’s objectives. As a result, different schemes have different risks depending on the underlying portfolio. The value of an investment may decline over a period of time because of economic alterations or other events that affect the overall market. Also, the government may come up with new regulations, which may affect a particular industry or class of industries. All these factors influence the performance of Mutual Funds.

Risk and Reward: The diversification that mutual funds provide can help ease risk by offsetting losses from some securities with gains in other securities. On the other hand, this could limit the upside potential that is provided by holding a single security.

Lack of Control: Investors cannot determine the exact composition of a fund’s portfolio at any given time, nor can they directly influence which securities the fund manager buys.

If you invest in Mutual funds through Authorised Advisors the risk involed can be minimised and you can achieve your goals by proper portfolio management. 

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Market Views

  • India Inc over the last 3 years has seen multiple shocks – from demonetisation to key reforms like GST, RERA etc. to credit freeze in aftermath of wholesale NBFC unable to get access to credit to current lockdown amidst the global supply and demand shock unleashed by Coronavirus. In the long journey of corporate India, these events almost seems like a big RESET button. A call to significantly change business practices, realign key business priorities in a changing landscape and massive consolidation across sectors.

 

  • ·       Covid19 – while initial impact was localised to Chinese economy and therefore the supply shock given large export from China, the spread of virus globally now risks creating a demand shock as well. While global coordination of policy makers and containment of virus and improvement in drugs to counter will reduce the longer term impacts of this shock, near-term demand and supply chains remain frozen amidst a significant drop in economic activity. We are slowly emerging from lockdown to phases of ‘unlocking’ the economy.

 

  • ·       While Indian government & RBI have announced few measures, we expect more measures to be announced given the unprecedented nature of events led by Covid 19. Amidst this uncertainty, Indian equities have seen large up and down moves in recent months.

 

  • ·       While near term uncertainty induces volatility in asset prices, in the long run, wealth creation in equities is a function as how businesses can profitably grow over their cost of capital sustainably. Given the long-range of reforms introduced as well as likely relief measures by government & RBI, we believe longer-term prospects of Indian equities is quite encouraging and we would advise investors to benefit from such induced volatility.

 

  • ·       Time in the market is more important than timing the market - recently, markets volatility has moved up and investors can benefit from this volatility by focusing on disciplined investing and asset allocation.

·                India FY 21 Q4 GDP numbers came in at 3.1%, dragging the full year growth at 4.2%. While the Q4 GDP was slightly higher than expectations, all previous GDP figures for FY 20 were revised downward between 4-7 basis points.

 

·                The government also came up with its increased borrowing plan for FY 21 in the month of May revised to Rs. 12 lakh crore from 7.8 lakh crore, taking the weekly borrowing to Rs. 30000 crore. However as the economy is in Risk off mode with low credit off take, the increased demand for government bonds has kept the yields anchored.

 

 

·                Shortly after the increased the Finance minister announced the “Aatmanirbhar” economic relief package of Rs 20 lakh crore.

 

·                We saw unprecedented swing in the OIL markets, the oil trading in the range of 20 to 37 dollars a barrel. Overall lower OIL and commodity prices in generally beneficial for the country. The slowdown in demand has helped to lower the trade deficit that could eventually lead to a rare surplus in current account.

 

 

·                On 22nd May the RBI Governor cut the policy rate by 40 basis points, taking the repo rate to 4%. This is the second unscheduled rate cut given by the Reserve Bank.

Gilt Fund : A Necessary Asset Allocation Component

 

Gilt Funds are all season products. Especially for long term investors. More importantly, Gilt is a strong cover of value when credit risk perception rises. Thus portfolio value can be optimized by having right asset allocation. Take example of EPFO. Even for their HTM allocation, they tend to invest about 60% their allocation in Gilt assets. This they do so as to obtain around 6.7% plus yield for 30 yr with no credit risk to go. A rare opportunity in the world where yields in developed countries are tending to zero. Thus Gilt fund is a smart asset allocation call since it helps capture this high yield.

Thus, Gilt Fund is as critical to a debt allocation as Large/midcap/Smallcap fund is to equity investment component.

For that reason, Gilt fund be seen as a core part of stable portfolio solution rather than merely an opportunistic play.

 

Why to Invest in Kotak Gilt Fund:

 

Flight to safety - Gilt generally has Zero default risk. In crisis, Gilt demand increases as it is the asset of the ‘last resort’. Gilt protects value and hence attracts high flows in tough conditions.

High Liquidity - Secondary Gilt Market has daily trading liquidity of Rs 65 thousand cr and can handle high supply.

Performer in crisis - Depending on the market, Gilt funds are able to switch between carry, duration and blend strategy to generate performance. Thus, Gilt investments helps aggregate gains even in crisis time.

Dovish RBI Stance - Provides capital appreciation opportunity when RBI is easing rates & keeping liquidity high.

Structural changes - Index inclusion will bring in FII interest across the globe and may bring rates down. Similarly, higher domestic savings too may find way into Gilt.

 

Please click here for detailed Note on Kotak Gilt Fund: A Necessary Asset Allocation Component

 

Monthly Equity Market Outlook - June 2020 By Mr. Nilesh Shah, MD, Kotak Asset Management Co. Ltd.
03/06/2020 21:05:19
Monthly Debt Market Outlook - June 2020 by Ms. Lakshmi Iyer, CIO (Debt) & Head Products
03/06/2020 21:04:58
Monthly market Round Up: An overview of last month's market. #KMFMarketRoundUp (30th April 2020 - 29th May 2020)
01/06/2020 07:34:11
 

Contact Us

Phone

9447225295 8848420039
Email korah.ifp@gmail.com
Address: KODIYATTU THIRUSANIDHYAM,
PARIYARAM P O, MALLAPPALLY,
PATHANAMTHITTA Dist, KERALA 689585