Services
Comprehensive financial solutions for every stage of life.
Smart solutions. Disciplined execution.
At ILNB Financial Services Pvt. Ltd., our services are built around a simple idea — your financial goals come first. We combine experience, data-driven insights and structured planning to deliver solutions that create long-term value while managing risk effectively.
Mutual Funds
Mutual Funds let you invest into a professionally managed and diversified portfolio of equities, bonds, gold, REITs and international equities. Your money is pooled with other investors and managed by expert fund managers.
For most investors, mutual funds are the most efficient way to own a diversified portfolio without needing to research individual securities. A single SIP can give you exposure to hundreds of companies across sectors and geographies.
Learn MoreWhy it works
- Professional fund management
- Multiple investment routes via SIP, STP and SWP
- Diversified, transparent and SEBI-regulated
- Easy to start, modify or pause as life changes
Why it works
- Removes emotional bias with data-driven decisions
- Combines momentum + quality for balanced growth
- Adapts to market changes through dynamic rebalancing
- Consistent monitoring and disciplined strategy execution
AI-Enabled Stocks Portfolio
Our AI Stock Basket blends momentum with a quality-driven basket of stocks in a balanced approach, supported by data-driven insights and rebalanced regularly to adapt to market changes and optimise performance over time.
Human judgement is powerful — but it is also emotional. Fear sells at the bottom and greed buys at the top. Our AI-enabled framework replaces that impulse with a rules-based process: screen, score, allocate, rebalance.
Learn MoreSIF — Specialized Investment Fund
A Specialized Investment Fund is a SEBI-regulated product category that lets an eligible asset management company run strategies a mutual fund cannot — principally the ability to hold short positions — with a minimum investment of ₹10 lakh.
SEBI laid down the framework by circular on 27 February 2025, with effect from 1 April 2025. Its stated purpose is to fill the gap between a mutual fund, where the minimum is a few hundred rupees and the mandate is deliberately constrained, and portfolio management services at ₹50 lakh.
Learn MoreWhy it works
- Strategy families a mutual fund is not permitted to offer
- Mutual-fund regulation, disclosure and taxation
- A published risk band, refreshed every month
- Entry at ₹10 lakh rather than ₹50 lakh or ₹1 crore
Why it works
- Portfolio customised to your goals and risk profile
- Securities held in your own demat account, not a pooled vehicle
- High-conviction, actively managed strategies
- Complete transparency on holdings and costs
Portfolio Management Services (PMS)
Portfolio Management Services is a professional solution where experts manage a customised portfolio aligned to your goals and risk profile, aiming for long-term returns. It offers personalised strategies and active management to optimise performance.
In a PMS, securities are held in your own demat account — you see every holding and every transaction. That transparency, combined with a concentrated, high-conviction portfolio, is what separates PMS from pooled products.
Learn MoreAlternate Investment Funds (AIF)
Alternative Investment Funds pool capital to invest in private equity, real estate, structured credit and other non-traditional assets for higher return potential. They are designed for investors seeking diversification well beyond traditional markets.
AIFs are SEBI-registered pooled vehicles spanning three categories — from venture and SME funds (Cat I), to private equity and debt funds (Cat II), to long-short and hedge-style strategies (Cat III).
Learn MoreWhy it works
- Return drivers uncorrelated with listed markets
- Access to opportunities normally closed to retail investors
- Professional managers with specialist mandates
- Meaningful portfolio diversification
Why it works
- Better returns than traditional bank fixed deposits
- Low-to-moderate risk with rated issuers
- Predictable, scheduled income
- Short-to-medium-term investment options
Corporate FDs & Bonds
Corporate Fixed Deposits are offered by reputable NBFCs, corporates and housing finance institutions, where you deposit money for a fixed tenure in return for a pre-determined interest rate. Bonds are fixed-income instruments where you lend to a government or company in return for guaranteed interest and return of principal at maturity.
Every portfolio needs ballast. Fixed income provides the predictability that lets you stay invested in equities through drawdowns — knowing near-term needs are already funded.
Learn MoreLife Insurance
Life insurance is a legal contract under which an insurer pays an agreed sum to the person you nominate if you die during the covered period, in exchange for regular premiums. Its job is to make sure your family’s financial plans survive you.
Before wealth creation comes wealth protection. A well-sized term cover is the cheapest, most powerful financial instrument most families will ever own — it converts an uncertain catastrophe into a defined, funded outcome.
Learn MoreWhy it works
- Financial security for the people who depend on you
- Long-term goals stay funded regardless of circumstance
- Affordable premiums, especially when bought early
- Debt protection so loans never become a burden
Why it works
- Protects your savings and investment corpus
- Cashless treatment across large hospital networks
- Family floater and super top-up structuring
- Peace of mind for you and your dependants
Health Insurance
Health insurance is a contract under which an insurer meets your medical costs — hospitalisation, surgery, day-care procedures and related expenses — in exchange for an annual premium, up to the sum insured you choose. At a network hospital it settles the bill with the hospital itself, so treatment starts without you funding it.
Medical inflation in India consistently outpaces general inflation. A single hospitalisation can undo years of disciplined investing — which is why adequate health cover is a prerequisite, not an afterthought.
Learn MoreFractional Real Estate
Fractional real estate allows investors to own a share of high-value real estate opportunities without purchasing an entire property — through comprehensive due diligence, security-backed structures and transparent documentation, in RERA-registered projects only.
Premium residential and commercial projects have historically been the preserve of institutions and buyers with crores to deploy. A fractional structure splits a single, specific transaction across ten to fifteen investors through a dedicated LLP, each holding a proportionate economic interest.
Learn MoreWhy it works
- Access to premium, income-producing real estate assets
- Substantially lower investment requirement
- Regular rental income potential
- Diversifies a paper-asset portfolio into real assets
Why it works
- Potential for higher returns than traditional deposits
- Diversifies the investment portfolio
- Generates regular income from repayments
- Lending opportunities to vetted, screened borrowers
Peer to Peer (P2P)
Peer-to-Peer lending is a regulated, open-market credit marketplace — and a rare debt asset that pays you back, principal and interest, every single month.
P2P works exactly like a bank — there are lenders and there are borrowers. The decisive difference is that the lender sees exactly who the borrower is, and the spread a bank would keep flows to the lender instead.
Learn MoreGIFT City
GIFT City is India’s first International Financial Services Centre — a special economic jurisdiction in Gandhinagar with its own unified regulator, IFSCA, where everything is transacted in foreign currency. Indian regulation, dollar-denominated assets.
IFSCA describes the purpose as onshoring the offshore: offering the regulatory comfort of New York, London, Singapore or Dubai while letting investors engage with the Indian economy efficiently. Banking, exchanges, funds, bonds and insurance all operate there in foreign currency.
Learn MoreWhy it works
- Access to global investment opportunities
- Tax-efficient investment framework
- International financial market exposure
- Diversified wealth creation options
See what discipline actually compounds into
A Systematic Investment Plan converts a monthly habit into a long-term corpus. Move the sliders to see how contribution, time and expected return interact.
- Time in the market matters more than the amount
- Rupee-cost averaging smooths out volatility
- Step up your SIP annually as income grows
Illustrative only. Returns are assumed and not guaranteed. Mutual fund investments are subject to market risks.
How we deliver results
Discover
We start by understanding your goals, income, liabilities and what money is actually for in your life.
Profile
Risk profiling and asset allocation — the single biggest driver of your long-term outcome.
Deploy
Selecting the right products and structures, then implementing them cleanly and cost-efficiently.
Review
Long-term disciplined execution with scheduled reviews, rebalancing and course corrections.
Not sure which service fits?
Tell us the goal and the timeline. We’ll tell you honestly which of these products belongs in your plan — and which ones don’t.