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Group Fund provided me the additional capital – when I needed it the most – for expanding my business. Ever after, I never thought of chit funds the way I did! - K.P. Loknath, Builder.

With GroupFunds the purchase of any asset (car, house, gold, etc.) becomes easier because of the breaking-up of capital cost into smaller amounts. You can build the finance for your asset according to your convenience, advance planning, and repayment capacity. - K. Muralidhar , Project Manager, TCS, Hyderabad

GroupFund offers the best source of finance at lower interest rates, and also provides insurance against unforeseen contingencies. Unlike financial institutions, I can draw upon my fund for any purpose – education, marriage, religious function, spiritual tour, medical expenses, or just about anything! - Sridhar, Team Lead, Infosys

I always wanted to buy a high-end digital camera to pursue photography, but did not have enough money. I was skeptical about finance from banks. Group Fund provided me the necessary finance. Group Fund is not only reliable, transparent, and trustworthy, but obtaining finance when you need is hassle-free and quick, with minimum documentation. - Bharadwaj, Web Developer in TrendaSource

Group Fund lets your worry about car finance take a back seat, allowing you to occupy the box-seat! - S. Giridhar, Project Manager, SRAOSS

Getting a home loan is easy these days, but paying it back is a big problem. Group Fund allows me great flexibility in repaying my debt in small and easy installments. - G. Manohar, HR, Pegasys

When my daughter’s marriage got fixed, I was worried about arranging finance within a short period of time. Group Fund came to my rescue like a savior. I was also able to pay off the loan without any hassles. - S. Anand Swamy, Designer, OMS3

My daughter was very keen in pursuing her higher studies in medicine from abroad. Group Fund helped my daughter in realizing her dream. Unlike banks, I got the money I required without any documentation or delay. Group Fund gave me both joy and peace of mind. - M. Santoshi, HR, APS Associates

After my retirement, I was worried about my finances. But, thanks to Group Fund, all my worries have now been put on the back-burner! - K. Nandu, TL, Soft Tech

My mother fell sick suddenly and had to be hospitalized. She had to undergo a major operation of the spinal cord. I fell short of money and at that time, Group Fund gave my mother a new lease of life by providing the necessary finances. - M K. Mohan, Programmer, MMG

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Easy Access Simple eligibility criteria, logical documentation and quick processing.

Know Your Group Know the details of other members of your group to assess the individual risk.

Pay at your convenience Internet banking, Debit card, or request for FREE cash pick-up.

Online Auctions Participate in monthly scheduled auctions from anywhere in the world.

Quick Disbursements Loan disbursement within 7 business days of submitting required docs.

Professional Networking Connect with like minded professionals and leverage the contacts.

Stock Markets attract lots of knowledge workers and professionals as it offers higher returns than traditional investment products. However, if we were to track the returns on the benchmark index, SENSEX, the annual average returns were around 13.20% p.a. for a holding period of 3 years. If the holding period is just one year the returns could have been higher at 18.83% p.a. but the downside risk could be as much as 52.45% p.a. as the probability of losses is at around 50%. It means that investors should hold their investments for a longer duration to drive down losses but the returns also get normalized and stay lower with the increase in holding period. The risk-to-return ratio of stock markets do not justify a short holding period making them least attractive in the short-run (less than 3 years).

While the aforementioned table gives details of the shakers and movers of the market which comprise the sensex, there are lots of dud stocks in the market which generate negative returns. These dud stocks are highly illiquid and are seldom quoted in the market. When an investor wants to exit from the stock, there will not be any buyers. Some of them are infrequently traded and there is no information available about the company’s financial performance or even existence. Investments in stock markets require in-depth understand and only a seasoned investor can beat the markets consistently by generating higher returns at lower risk. It requires deep commitment in terms of time and knowledge workers find it difficult to allocate and hence prefer to deal with professional asset managers of a mutual fund.

A Group Fund is a more appropriate investment as it is not subjected to market risks of volatility and illiquidity. All members of a Group Fund are eligible to participate in auctions till they receive the prize money. The returns are more stable and the product also serves the twin requirements of borrowing and saving. GroupFund has an enviable trackrecord of 32 years and is specially designed to meet your unique needs. You can participate in shorter duration funds and need not necessarily wait for 3 years like investments in stock markets to generate a decent yield.

GROUPFUND SYMBOLIZES TRUSTYou can bank on our years of expertise

We strive hard to earn your trust and in the process we get evaluated by ourselves with our customers, industry bodies and other 3rd parties from time to time. Please explore the status quo on our credentials and keep a watch on this space.