Frequently Asked Questions

Sattrex Capital is a full-service financial advisory firm providing goal-based mutual fund investment planning, life and health insurance portfolio management, retirement corpus creation, home & business loan advisory, tax planning, and specialized wealth desk services for Non-Resident Indians (NRIs).

Our advisory is designed for working professionals, business owners, senior citizens, family offices, and NRIs who seek disciplined, institutional-grade financial direction without complex technical jargon.

No, our initial financial discovery consultation is completely complimentary. We discuss your financial goals, evaluate your current portfolio, and outline strategic options transparently before any commitment.

You can schedule a consultation online via our Booking Page, connect with us directly on WhatsApp, or call our advisory team. We offer both virtual and in-person meetings.

Yes. We conduct video sessions over Google Meet or Zoom for clients across India and globally, allowing you to review your financial portfolio conveniently from home.

A standard initial consultation lasts between 30 to 45 minutes. This provides adequate time to review your financial background, risk profile, and future targets in detail.

Absolute client confidentiality is guaranteed. We adhere strictly to institutional data security protocols and regulatory privacy guidelines. Your data is never shared with unauthorized third parties.

A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly (monthly or quarterly) into a chosen mutual fund. It builds long-term wealth through rupee cost averaging and compounding without needing to time the market.

A standard guideline is saving 20% to 30% of your monthly net income. However, the exact amount depends on your specific financial goals, time horizon, emergency fund, and monthly cash flow. We assist in calculating your precise goal-based SIP requirements.

Yes. Mutual fund SIPs are completely flexible. You can pause, modify, or cancel your SIP instructions at any time without penalty or lock-in charges (except for ELSS tax-saving funds which carry a regulatory 3-year lock-in period).

Mutual funds in India are strictly regulated by SEBI (Securities and Exchange Board of India) and held in trust by registered Asset Management Companies (AMCs). While market fluctuation is natural, diversification across asset classes significantly mitigates long-term risk.

No, mutual funds are market-linked products and do not promise guaranteed returns. Historically, equity mutual funds held over 5–7+ year periods have consistently outperformed traditional fixed income instruments.

SIP: Regular, periodic contributions ideal for monthly salaried individuals to average market volatility.
Lump Sum: Investing a single one-time capital amount, best suited when you receive bonuses, property proceeds, or accumulated liquid funds during market corrections.

Fund selection should be guided by your risk tolerance, time horizon, and target returns—rather than short-term past performance. We analyze fund manager track records, downside protection metrics, expense ratios, and asset allocation before recommending portfolio holdings.

Yes. NRIs can invest in Indian mutual funds on a repatriable (NRE) or non-repatriable (NRO) basis, adhering to FEMA guidelines and FATCA compliance for US/Canada residents.

Life insurance acts as an essential financial safety net. It replaces lost income, settles outstanding liabilities (such as home loans), and secures your family's future living expenses in the event of an untimely demise.

As a baseline, your term insurance cover should equal at least 10 to 15 times your annual income, plus any existing debts or outstanding home loan amounts.

Human Life Value (HLV) is a financial calculation measuring the present value of your expected future earnings minus personal living costs. It provides the most mathematically accurate metric to determine required insurance coverage.

Term Insurance: Pure protection offering high life cover at very affordable premiums. It pays out a lump sum only on death.
Traditional Insurance: Combines protection with low-yield savings (Endowment/ULIP). We generally advise keeping protection (term insurance) and investments (mutual funds) separate for higher efficiency.

Yes, absolutely. Employer cover ends if you change jobs, retire, or face layoffs. Furthermore, corporate policies often have low sub-limits and copay clauses. An independent personal policy guarantees continuous lifetime cover.

Yes. We assist you in reviewing, selecting, underwriting, and purchasing policies online from leading insurance providers with complete documentation support.

In the event of a claim (cashless hospitalization or life insurance claim), our dedicated desk guides your nominees through document compilation and coordinates directly with insurance companies to ensure quick settlement.

We facilitate Home Loans, Loan Against Property (LAP), Business Expansion Loans, Working Capital Lines, Balance Transfers (for lower interest rates), and NRI Property Financing through major banks and financial institutions.

Loan sanction limit depends on your net monthly salary or business income (ITR), existing EMI obligations, credit history (CIBIL score), and the property valuation. Usually, banks cap total EMIs at 50%–60% of take-home income.

Basic requirements include PAN, Aadhaar, salary slips/3-year ITRs with financial statements, 6-month bank statements, and property/title papers. We provide a customized checklist based on your profile.

Once complete documents are submitted, in-principle sanction usually takes 3 to 7 working days. Property legal and technical verification takes an additional 5 to 7 days before disbursement.

Yes. Floating-rate home loans issued to individuals carry zero prepayment or foreclosure penalties as mandated by the RBI.

Yes. We specialize in structuring loan applications for self-employed professionals, traders, manufacturers, and business owners to maximize borrowing capacity.

Immediately with your first paycheck. Starting in your 20s or early 30s allows power of compounding to build a massive corpus with significantly lower monthly investments than starting at age 40 or 50.

Your target retirement corpus depends on current monthly living expenses, expected lifestyle, health costs, life expectancy, and inflation. We calculate your exact inflation-adjusted requirement using financial planning frameworks.

Yes. Early retirement (FIRE movement) is doable with high aggressive savings rates, structured asset allocation, and early elimination of high-interest debts.

A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed sum regularly from your mutual fund investments. It is one of the most tax-efficient ways to generate monthly cash flow during retirement.

FD Interest: Entire interest earned is taxed at your income slab rate every year, with capital eroded by inflation.
SWP: Only capital gains portion of the withdrawal is taxed, resulting in lower effective tax incidence while remaining capital stays invested for growth.

You can optimize tax liabilities utilizing statutory provisions under the Income Tax Act including Section 80C (ELSS, PPF, EPF), Section 80D (Health Insurance premiums), NPS (Section 80CCD 1B), home loan interest deductions (Section 24), and strategic capital gains harvesting.

Yes. Equity Linked Savings Schemes (ELSS) qualify for tax deductions up to ₹1.5 Lakh under Section 80C. ELSS carries the shortest lock-in period (3 years) among all 80C tax-saving options alongside higher long-term wealth growth potential.

Yes. We integrate tax-saving instruments directly into your broader wealth creation and asset allocation framework so every tax decision aligns with long-term goals.

Key instruments include ELSS Mutual Funds, EPF/PPF, Life Insurance Premiums, Public Provident Fund, Senior Citizens Savings Scheme (SCSS), National Savings Certificate (NSC), and Home Loan Principal repayment up to a combined annual limit of ₹1,50,000.

Yes. NRIs can invest in Indian equities, mutual funds, government securities, real estate, and fixed deposits through NRE (repatriable) or NRO (non-repatriable) accounts in compliance with RBI regulations.

Yes. NRIs can buy term life insurance and health insurance in India. Policies can be issued via tele-underwriting and online medical checks, offering competitive premiums compared to overseas plans.

Yes. Indian banks offer dedicated home loans for NRIs purchasing residential property in India, evaluated against overseas salary slips, employment contracts, and NRE/NRO bank statements.

NRE Account: Used for depositing foreign earnings in INR. Funds and interest earned are tax-free in India and fully repatriable.
NRO Account: Used for managing income earned in India (rents, dividends, pension). Repatriation is permitted up to USD 1 Million per financial year subject to tax compliance.

Yes, we manage NRI portfolios completely online—from virtual video calls and digital KYC onboarding to remote execution and ongoing portfolio tracking.

Financial planning brings structure to your income, investments, risk cover, and debt. It ensures you remain on track to achieve key milestones (home purchase, child education, retirement) while safeguarding against unforeseen life shocks.

We recommend a comprehensive portfolio review once every 6 to 12 months, or whenever major life events occur—such as a job change, marriage, birth of a child, or receiving a large capital lump sum.

A Financial Health Check evaluates your current cash flows, net worth, risk protection adequacy, debt-to-income ratio, and asset allocation to spot gaps and optimize investment returns.

Yes. An emergency fund covering 6 to 12 months of mandatory household expenses should be held in liquid mutual funds or high-yield savings accounts before allocating capital toward long-term investments.

Wealth creation relies on disciplined regularity, sensible asset allocation, controlling emotional reactions during market down cycles, and letting compounding work uninterrupted over 7+ year horizons.

Goal-based investing connects every SIP or investment scheme directly to a specific future milestone (e.g., child higher education in 2035). This provides clarity on required returns, tenure, and exact risk parameters.