Month: December 2025

Back to Blog

How to check your IPO Allotment Status: Key factors you need to know?

December 30, 2025

Initial Public Offerings (IPOs) are an exciting opportunity for many investors to get involved in a company’s growth from the start.  Learning how to check your IPO allotment status and comprehending the IPO allotment process are crucial, regardless of your level of experience with the market. We explain how IPOs operate, what affects allotment, and how to swiftly check your IPO status, particularly with your PAN number, in this blog.

IPO Allotment – What you need to know 

IPO allotment is the process through which shares are distributed to investors after the subscription period ends. Registrars allocate shares based on SEBI guidelines, subscription demand, and the IPO category you applied under.

Key points for investors:

  • Retail investors typically receive allotments in lots.
  • Refunds or unblocking of funds occur if no shares are allotted.
  • This makes checking your IPO allotment status an important step.

IPOs – Why it matters for Investors

IPOs enable businesses to raise money by making shares available to the general public.  This may present an opportunity for investors to make an early investment in a company with significant potential.  Even though listing gains and long-term returns are not guaranteed by every IPO, you can navigate the opportunities with diligent research and disciplined investing.

How to check IPO Allotment Status Online 

Once the allotment is finalized, you can view your IPO status through either the registrar’s website or your broker’s platform. The easiest method today is an IPO allotment status check online by PAN number, which requires no application or client ID.

Steps to Check IPO Allotment Status:

  • Visit the registrar’s official IPO allotment page.
  • Select the IPO you applied for.
  • Choose the option to check via PAN.
  • Enter your PAN number accurately.
  • Submit to view your IPO allotment status.

If allotted, you will see the number of shares credited. If not, the status will show “No Allotment” or “Not Allotted.”

Click here to know more about myths and misconceptions about IPO allotments. 

The Significance of Verifying Your IPO Allotment Status

It is much simpler to plan your next steps when you are aware of your IPO allotment result.  If you have shares, you can monitor the stock’s debut performance and start getting ready for listing day.  You can look into other current or future IPO opportunities if you weren’t given shares because of strong demand or a lack of funding.  Additionally, it lets you verify if the money that was blocked during the application process has been returned to your account.  You can guarantee a seamless, knowledgeable, and well-managed investing experience by regularly monitoring your IPO allotment status.

Final Thoughts 

Opportunity and unpredictability are combined in IPO investing. Even though you have no control over the results of allotments, you can stay informed, carefully consider companies, and always do your homework before applying. Every investor finds the process transparent and convenient when they check their IPO allotment status online, particularly through PAN.

Featured Posts

IPO Investment: Strategies, Allotment Status, and Key Updates. Explained!5 Myths and Misconceptions of IPO Investments. Debunked in this blog.IPO Allotment Status: How to check it with PAN Number?Starting a Business? Here’s Why Company Registration is Crucial!The Impact of Technology on Business Process Outsourcing
Back to Blog

Private Wealth Management: An Essential Aspect in Providing Value to Institutions and HNIs.

December 26, 2025

In today’s evolving financial environment, institutional partners, banks, multi-family offices, registered investment advisors, and fintech platforms play a critical role in shaping how wealth is created, managed, and transferred. As client portfolios become more global and increasingly complex, the demand for structured private wealth management solutions continues to rise. Institutions are now expected to deliver not only investment performance but also integrated, compliant, and research-backed advisory frameworks that meet the needs of sophisticated wealth owners.

The Changing Landscape of Private Wealth

Private wealth creation in India and around the world has accelerated among entrepreneurs, professionals, and business families. This growth comes with increased expectations: clients desire disciplined asset allocation, personalized reporting, tax-efficient structures, and access to distinctive products. For institutions, this presents both an opportunity and a responsibility to develop advisory systems that go beyond transactional interactions and into comprehensive, long-term wealth strategies.

From alternative investments and private equity to fixed income, succession planning, and global diversification, the scope of private wealth needs has broadened. Institutions that incorporate these capabilities within a unified advisory model are better equipped to retain clients and build enduring relationships.

Private Wealth Management in India: An Essential Strategy

There is a rapid rise in the number of people seeking private wealth management in India. Business owners, professionals, NRIs, and young investors want expert support that goes beyond standard investment help. They are looking for personalized strategies, tax planning guidance, and complete financial oversight. The best private wealth management firm focuses on building portfolios that balance growth, safety, and long-term planning. They also make sure that the wealth plan is reviewed regularly and updated with changing goals.

Click here to learn how AI is changing the landscape of private wealth management. 

How Private Wealth Managers Help

A private wealth management firm studies your lifestyle goals, financial responsibilities, and risk appetite. Based on this, they create the right mix of equity, debt, real estate, international funds, and other options. They also pay close attention to tax efficiency, estate planning, and wealth transfer. Their aim is to grow wealth over time while ensuring that it remains well-protected.

Final Thoughts 

Private wealth management is now a strategic lever for institutions aiming to strengthen client engagement and build multi-generational relationships. As private wealth expands and financial ecosystems evolve, partners must collaborate with firms that offer robust advisory frameworks, transparent governance, and access to diversified investment opportunities. The institutions that align with the best private wealth management firms are the ones that will lead the next phase of India’s wealth evolution, delivering measurable value today and building a foundation for tomorrow.

Featured Posts

How is AI changing Wealth Management? What are its key uses? Read here!What is the difference between a wealth manager and a financial advisor in the realm of private wealth management?Why is Private Wealth Management Becoming Essential for Individuals?Wealth Management: A Key Aspect To Building a Secure Financial FutureDecoding Private Wealth Management in the Indian Investment Landscape
Back to Blog

NPS Tax Benefits: Retirement planning with smarter savings 

The National Pension System (NPS) has become one of the attractive and reliable retirement planning schemes for Indian citizens, as it offers both long-term security and tax-savings benefits. Whether you are a salaried employee or running your own business, understanding NPS tax benefits, the available deductions, and how it can help you to optimize your investments. 

So, here are the key NPS tax benefits.  

NPS Tax Benefits Under Section 80 (C). 

The key tax benefit of NPS comes under Section 80(C). NPS subscribers can claim a deduction on their contributions. Salaried employees can claim a tax deduction up to ₹1.5 lakh under this section. Moreover, self-employed individuals can claim up to 20% of their gross annual income. This makes NPS a key driver for your tax-saving strategy. For many taxpayers, this is the starting point for claiming the NPS deduction. 

Tax Benefits Under Section 80CCD (1B)


This is one of the biggest tax advantages of NPS. It offers an additional tax benefit of ₹ 50,000 under Section 80CCD(1B), which is over and above the 80(C) benefit. So, you can save up to ₹2 lakh in tax per financial year.  This section is extremely popular among investors who want to reduce their taxable income further, especially those who have exhausted their 80C limit through other instruments.

Employer Contribution NPS Tax Benefits Under Section 80 CCD (2)

If your employer contributes to your NPS account, you can claim additional tax benefits under Section 80CCD (2). This section allows a deduction on employer contributions up to 10% of salary (Basic + DA) for private-sector employees. For government employees, the limit extends to 14% of salary. Importantly, this deduction is not included within the 80C limit and applies independently, making it extremely tax-efficient. However, the combined employer contributions to EPF, NPS, and superannuation funds are tax-exempt only up to ₹7.5 lakh annually. This makes employer-supported NPS contributions one of the most powerful features of NPS deduction.

Click here to learn how the NPS calculator and retirement planning are co-related. 

NPS Deduction in the New Tax Regime

With the introduction of the new tax regime, many investors wonder how NPS and tax benefits work under it. While personal contributions under Section 80CCD (1) are not eligible for deduction in the new regime, two major benefits continue to remain available: the employer contribution deduction under 80CCD (2) and the additional ₹50,000 deduction under 80CCD(1B). This means salaried individuals receiving employer contributions still enjoy significant tax relief even after switching to the new tax structure, making NPS relevant in both regimes.

Tax Treatment on NPS Withdrawal


NPS offers tax benefits not just while investing but also at withdrawal. At retirement, investors can withdraw up to 60% of the total corpus tax-free, allowing for a sizeable lump sum without tax liability. The remaining 40% must be mandatorily used to purchase an annuity, and the annuity income is taxed as per your income slab. This structure ensures tax efficiency at the exit stage while guaranteeing a steady stream of post-retirement income.

Final Thoughts 


The National Pension Scheme is designed to encourage disciplined, long-term savings while offering unmatched tax advantages. With multiple layers of deductions, especially the exclusive benefit under 80CCD(1B) and employer-linked savings under 80CCD(2), NPS stands out as one of the most tax-friendly investment options. Understanding these provisions can help you make informed decisions and build a financially secure future while enjoying significant tax savings today.

Featured Posts

How NPS Vatsalya is a smarter way to secure your child’s future?NPS Pension Plan vs Mutual Funds: Choosing the Right Path to Retire ComfortablyUnderstanding NPS Returns: Key Drivers and How to Monitor Your PerformancePlanning for Golden Years? NPS Registration Can Be the Next Step.Retirement Planning and the NPS Calculator: How are they related? Give it a read.
Back to Blog

Why Are More Investors Choosing AIFs for Smarter Wealth Building?

December 24, 2025

India’s investment landscape has evolved considerably in recent years. As investors become more informed and ambitious, they increasingly seek avenues that provide deeper insights, higher growth potential, and access to opportunities beyond traditional equity and debt products. This is where an Alternative Investment Fund (AIF) becomes an attractive option for sophisticated portfolios.

The 6 main advantages listed below explain why high-net-worth and ultra-high-net-worth investors in India are increasingly favouring AIFs.

1. Access to unique and high-conviction strategies: An investor can invest in venture capital, private equity, structured credit, and special situation strategies. These approaches are not available through conventional investment products and are aimed at investors seeking diverse and focused exposure.

2. Diversification with low correlation: An AIF, or alternative investment fund, can enhance diversification by including assets that behave differently from public markets. This helps reduce overall portfolio volatility during uncertain periods and fosters a more balanced and resilient investment profile.

3. Expert management capabilities: Through knowledgeable research teams and seasoned fund managers, AIF managers bring domain expertise. Their proficiency in long-term investment cycles, private markets, deal structures, and risk assessment provides investors with a higher level of professional oversight.

4. Participation in India’s growing market: Private companies, early-stage ventures, and unlisted opportunities are expanding rapidly in India. AIF structures enable investors to access these spaces well before they become widely available or reach the public listing stage. This early entry can generate significant long-term potential.

5. Flexible structure and customized options: Tenure, strategy, category type, and investment style are all adjustable within AIFs. Depending on their objectives and risk tolerance, investors can choose from Category I, II, or III. This flexibility facilitates the creation of a portfolio that better aligns with individual financial goals.

6. Higher return potential: Since AIFs operate within broader investment universes and focus on specialized themes, they have the potential to deliver superior risk-adjusted returns. Strategies such as private credit can offer stable income, while long-short equity strategies may mitigate downside risk through hedging.

Click here to learn about how AIFs work in India.

Final thoughts

AIFs represent a significant shift in the way modern investors approach wealth creation. As India advances into a new era of financial maturity, investors are increasingly seeking structures that offer sharper insights, broader opportunities, and the potential for enhanced returns. AIFs meet this demand by providing access to strategies and markets that were previously limited to institutional investors or global private market participants. 

Featured Posts

The Role of Diversification and Risk Management in Alternative Investment FundsAlternative Investment Funds: What to do before taking the first step.How do Alternative Investment Funds work in India? A peek into AIFs in IndiaRevolutionizing AIF’s Fund Administration with KFintech’s XAlt PlatformAlternative Investment Funds—What sets them apart from other investments?
Back to Blog

NPS Pension Plan vs Mutual Funds: Choosing the Right Path to Retire Comfortably

Planning for retirement is no longer something you can do in your golden years. With changing economic landscapes, unpredictable expenses, and rising life expectancy, creating a stable post-retirement income has become significant. The National Pension System and mutual funds are attractive options in India. While both help you to create a financial corpus in the long term, their structure differs significantly. 

So, what should you choose between NPS and mutual funds while planning for your retirement? Let’s discover the key differentiators in this blog.  

National Pension System: A Retirement-First Approach 

The fundamental aim of NPS is to create retirement security. Every feature of NPS encourages individuals to invest in the long term with discipline, structured contributions, and a mandatory pension amount. This makes NPS ideal for individuals who look for a stable income to meet their financial goals after retirement. 

NPS invests in a mix of asset classes, such as equities, corporate bonds, government securities, and AIFs. Hence, it offers the right balance of growth and security. NPS offers, depending on the market situation, 8-12% returns over a long period of time, which is higher than any traditional retirement investment scheme. Moreover, with NPS, you not only accumulate wealth, but you will also receive a regular pension after retirement. 

Mutual Funds: A Wealth Creation Approach 

Mutual funds give investors flexibility in terms of contribution, withdrawals, fund choice, and redemption. They are the preferred choice for long-term growth and wealth creation for many investors. They invest in equity funds during their working years and leverage SWP (Systematic Withdrawal Plan) after retirement for monthly income. But during market fluctuations, investors often stop SIP or redeem their funds early, and this weakens the retirement corpus. Mutual fund investments can be a great tool to plan for your golden years, but they also demand strong investor behavior. 

Click here to learn more about the drivers of NPS returns. 

NPS Preferred Retirement Scheme – Learn Why? 

  • Long-term Commitment: The long-term lock-in period ensures your retirement corpus stays untouched. This can safeguard your future from impulsive financial decisions. 
  • Assured Monthly Pension: 40% of your accumulated corpus must be used to buy annuities to receive a regular pension. This gives you a guaranteed pension amount, something mutual funds do not mandate or guarantee. 
  • Tax Benefits: NPS offers tax benefits of ₹1.5 lakhs under Section 80 (C). Moreover, there is an additional tax benefit under Section 80CCD (1B) of ₹50,000, which is over and above 80 (C). This makes a highly efficient tax-saving retirement scheme. 
  • Lower Investment Amount: NPS is one of the lowest-cost retirement schemes. Any Indian citizen can open an NPS account with ₹500 only. Moreover, there are lower charges, which means more of your money stays invested.

Final Thoughts 

For long-term retirement planning, especially for those who struggle with disciplined investing or want an assured monthly income later, the NPS pension plan stands out as the more reliable and structured choice. Mutual funds can complement NPS, especially for early wealth creation and liquidity. But if your goal is to retire comfortably, with a dependable monthly pension and a financially stable future, NPS forms the strongest foundation.

Featured Posts

How NPS Vatsalya is a smarter way to secure your child’s future?NPS Tax Benefits: Retirement planning with smarter savings Understanding NPS Returns: Key Drivers and How to Monitor Your PerformancePlanning for Golden Years? NPS Registration Can Be the Next Step.Retirement Planning and the NPS Calculator: How are they related? Give it a read.