These advisory services help investors make the right choices in mutual funds and stock market instruments. Backed by research and market analysis, the advice aims to align with the investor’s financial objectives, whether it's wealth creation, retirement planning, or capital preservation. Advisors evaluate factors such as market trends, fund performance, asset allocation, and risk level to recommend the most suitable investment options.

Types of Advisory Services
Mutual Fund Advisory

• Recommendations on equity, debt, hybrid, and sectoral mutual funds
• Regular portfolio rebalancing based on performance and market outlook
• Goal-based planning for SIPs, lumpsum investments, and tax-saving instruments

Stock Market Advisory

• Advice on buying, holding, or selling stocks based on technical and fundamental analysis
• Short-term trading and long-term investing strategies
• Sector-specific insights and risk profiling

Key Features

• Research-Driven Insights : Advisory is based on thorough research, market indicators, and global trends.
• Tailored Recommendations : Investment suggestions are customised to match your financial goals and risk tolerance.
• Transparent Process : Every recommendation comes with a clear explanation of why, how, and when.
• Periodic Review : Regular portfolio reviews ensure your investments stay aligned with changing market dynamics.
• Risk Management : Focus on diversification and asset allocation to reduce volatility and loss potential.
• Time-Saving : Saves you from the hassle of market tracking and complex analysis.

Let your money work for you with the right guidance. Bhargava Capital offers personalised Mutual Fund & Stock Market Advisory services to help you make sound financial decisions. Whether you're a beginner or a seasoned investor, our insights keep you ahead of the curve.

These services include professional assistance in filing income tax returns, calculating tax liabilities, claiming deductions, and ensuring GST compliance. They help individuals and businesses meet their tax obligations without errors or delays. The goal is to simplify the process, reduce tax burden legally, and avoid penalties or notices due to non-compliance.

Types of Services Offered
Income Tax Services 

• Filing of income tax returns for individuals, HUFs, and businesses
• Tax planning and deduction advisory
• TDS computation and return filing
• Handling tax notices and rectifications

GST Services

• GST registration and filing of monthly/quarterly/annual returns
• GST input tax credit reconciliation
• Advisory on tax structure and compliance
• Handling notices and GST audits

Key Features

• Timely Filing : Returns are filed within deadlines to avoid interest or penalties.
• Accurate Calculations : Tax is computed with precision to prevent errors or excess payment.
• Expert Advisory : Guidance on applicable deductions, exemptions, and credits.
• Complete Compliance : Ensure adherence to all tax and GST rules, reducing the risk of legal issues.
• Document Support : Assistance with collecting and organising all necessary documentation.
• Personalised Solutions : Services tailored to your income type, business structure, and financial goals.

Leave the hassle of taxes to the experts. With Bhargava Capital’s Income Tax & GST Services, you can focus on your work while we take care of your tax responsibilities. Our accurate, timely, and transparent approach ensures peace of mind and full compliance.

E-filing is the process of submitting tax returns electronically through recognised government portals. TDS (Tax Deducted at Source) compliance involves deducting the correct tax amount at source, filing returns, and issuing certificates within set timelines. Together, they help maintain transparency, meet legal obligations, and prevent future tax issues.

Types of Services
E-Filing Services

• Filing Income Tax Returns (ITR) for individuals and businesses
• Filing revised or belated returns
• Declaration under applicable tax forms (Form 10E, Form 15G/H, etc.)

TDS Compliance Services

• Calculation of TDS on salary, interest, rent, and other incomes
• Filing of TDS returns – Form 24Q, 26Q, 27Q, etc.
• Generation of Form 16 and Form 16A
• Correction of TDS returns, if needed

Key Features

• Accurate Filings : Ensures correct computation and documentation, reducing chances of rejection or scrutiny.
• Timely Submissions : Avoids penalties and interest through on-time return filing and TDS deposits.
• PAN-TAN Linkage Support : Helps link and verify necessary details to maintain compliance.
• Automated Calculations : Smart tools and expert checks for error-free TDS computation and ITR submission.
• Notices & Rectification : Guidance and support in responding to tax notices or rectifying returns.
• Confidentiality Assured : All your data is handled securely, with professional ethics and compliance.

Be it a salaried professional, a freelancer, or a business owner—e-filing and TDS compliance are non-negotiable. With Bhargava Capital, get expert-led, accurate, and timely services that help you stay compliant and worry-free.

PAN Card Assistance refers to services that help individuals and businesses apply for a new PAN, correct or update existing details, reprint lost or damaged cards, and track application status—ensuring a hassle-free and accurate process, fully aligned with official guidelines.

Types of PAN Card Services

• New PAN Application : Assistance for individuals, companies, firms, and trusts applying for their first PAN.
• PAN Correction/Update : Help with updating name, date of birth, signature, address, or photo.
• Lost/Damaged PAN Reprint : Reissuance of a duplicate PAN card in case of loss, theft, or damage.
• Tracking & Follow-Up : Status updates and guidance throughout the application process.

Key Features

• End-to-End Support : From form filling to submission, we handle the entire process.
• Error-Free Documentation : Expert verification of details to reduce the chances of rejection.
• Fast Processing : Quick turnaround with proper follow-ups for timely issuance.
• Both Physical & e-PAN Options : Assistance for receiving either a printed card or a digitally signed copy.
• Support for All Categories : Individual, HUF, firms, companies, NRIs, and foreign entities covered.
• Secure Handling of Data : All personal information is handled with complete confidentiality.

Don't let paperwork or delays hold you back. With our PAN Card Assistance, get professional support and smooth processing—whether you’re applying for a new card or updating an old one.

E-Tendering Support is a professional service that helps individuals, firms, and organizations seamlessly register, bid, and comply with e-tendering procedures. From portal registration to document preparation and submission, the support ensures your application is accurate, timely, and compliant with all rules.

Types of E-Tendering Support

• Portal Registration Assistance : Help with registering on government or private e-tendering portals.
• Digital Signature Integration : Assistance in linking valid DSCs required for login and submissions.
• Tender Search and Alerts : Support in identifying relevant tenders based on your business scope.
• Documentation and Filing : Guidance on preparing and uploading technical and financial bids.
• Compliance & Follow-up : Ensuring all technical requirements are met and status is monitored.

Key Features

• Step-by-Step Guidance : Complete help from registration to bid submission.
• Time-Saving Process : Speeds up portal navigation and minimizes errors.
• Tailored Tender Matching : Personalized alerts based on your sector and capacity.
• Experienced Support Team : Knowledgeable professionals assist with documentation and compliance.
• Secure Data Handling : All documents and credentials are managed confidentially.
• Compatible with Major Platforms : Support available for GeM, CPPP, MSTC, eProcurement, and others.

Participating in tenders shouldn't be a hassle. With our E-Tendering Support, you get expert help to improve your chances of successful bidding—saving time, ensuring compliance, and avoiding common mistakes.

These registrations are compulsory in their respective domains:

• FSSAI: For those involved in food manufacturing, processing, storage, or distribution.
• LIC: For individuals taking a life insurance policy under Life Insurance Corporation.
• KYC: For verifying your identity while opening bank accounts, investing, or purchasing insurance.

Our service helps you complete these registrations smoothly, accurately, and in full compliance with the norms.

Types of Registration
FSSAI Registration

• Basic Registration: For small food businesses with annual turnover below a threshold.
• State License: For mid-sized businesses operating in one state.
• Central License: For large or inter-state operations.

LIC Policy Registration

• New LIC Policy Enrollment: Assistance with choosing and registering for policies.
• Online LIC Account Setup: Creating and managing LIC accounts digitally.

KYC Compliance

• Aadhaar-Based KYC: Biometric or OTP-based verification linked to Aadhaar.
• Video KYC: Online face verification for banks or financial institutions.
• Offline KYC: Paper-based form submission and verification.

Key Features

• End-to-End Assistance : Support throughout the process—from documentation to final approval.
• Fast Processing : Minimized turnaround time through expert handling.
• Error-Free Documentation : Every form and document is checked for compliance.
• Multiple Registrations, One Window : Single platform to handle FSSAI, LIC, and KYC needs together.
• Reminders and Updates : Timely alerts on renewal, submission, or verification.
• Secure and Confidential Handling : Your personal and business data is protected.

Filing registrations on time is not just a legal formality—it’s a smart step toward building your business and financial profile. Let Bhargava Capital guide you through FSSAI, LIC, and KYC registrations with complete accuracy and peace of mind.

Business Licenses & Compliance involves obtaining mandatory registrations and maintaining regulatory standards throughout your business journey. These include local, state, and central approvals depending on the type and scale of operations. Ongoing compliance ensures your business continues to operate without legal interruptions.

We provide comprehensive support for acquiring, renewing, and maintaining business licenses, along with helping you stay compliant with applicable rules.

Types of Business Licenses & Compliance
Business Registrations

• Shop & Establishment License: Required for physical shops, offices, and commercial establishments.
• Trade License: Mandatory for businesses dealing in goods or services within a local body.
• Professional Tax Registration: Applicable for employers and professionals.

Industry-Specific Licenses

• FSSAI Registration: For businesses in the food industry.
• Import Export Code (IEC): For businesses engaged in international trade.
• Udyam/MSME Registration: For small and medium enterprises.

Compliance Services

• GST Filing & Returns: Monthly/quarterly returns and reconciliation.
• Annual Filing: ROC filing for companies and LLPs.
• License Renewals: Timely renewal of licenses to avoid penalties.
• Audit & Advisory: Internal checks to stay compliant year-round.

Key Features

• All-in-One Service : Get help with licenses, renewals, audits, and filings under one roof.
• Expert Consultation : Guidance on which licenses apply to your business type and location.
• Timely Alerts & Reminders : Never miss a renewal date or filing deadline.
• Customized Compliance Support : Plans tailored to your business category and scale.
• Document Preparation & Filing : Assistance in gathering, preparing, and submitting all required documents.
• Affordable & Transparent Pricing : No hidden charges, just clear and honest service.

Proper licenses and ongoing compliance are key to running a legally sound business. Avoid penalties, build trust, and operate with confidence—let us take care of your regulatory needs while you focus on growth.

Insurance is a financial tool that provides coverage against various risks such as illness, accidents, natural disasters, business interruptions, and more. Risk management, on the other hand, involves identifying potential risks, analysing their impact, and implementing strategies to reduce or transfer those risk - often through insurance solutions.

This service ensures that you're protected against future uncertainties with the right combination of coverage and advisory support.

Types of Insurance & Risk Management

• Life Insurance : Term Plans: Fixed coverage for a specific term.
• Whole Life Plans: Coverage that lasts a lifetime.
• Endowment Plans: Combines savings with protection.
• ULIPs: Investment-linked insurance plans.

Health Insurance

• Individual Plans: Medical coverage for one person.
• Family Floater Plans: Covers the entire family under one policy.
• Critical Illness Plans: Covers severe illnesses like cancer, heart disease.
• Top-Up Plans: Additional cover over existing health policy.

General Insurance

• Motor Insurance: Protection for vehicles against accidents and theft.
• Home Insurance: Covers damage to home and belongings.
• Travel Insurance: Covers trip cancellations, medical emergencies abroad.

Business Risk Management

• Fire & Property Insurance: Covers physical assets.
• Marine Insurance: Covers goods in transit.
• Liability Insurance: Covers legal liabilities and damages.
• Employee Benefits Insurance: Group health, accident, and life insurance.

Key Features

• Wide Range of Policies : Tailored solutions for individuals, families, and businesses.
• Expert Advisory : Risk profiling and coverage suggestions based on specific needs.
• Claim Assistance : End-to-end support for faster and hassle-free claims.
• Affordable Premiums : Options available to suit every budget and requirement.
• Regulatory Compliance : All policies issued and serviced as per regulatory standards.
• Risk Evaluation Reports : Periodic review of coverage adequacy and emerging risks.

Insurance and risk management are vital pillars of financial planning. They shield you from unforeseen events and help maintain stability in tough times. Whether you're planning for your family's future or securing your business operations, the right coverage can make all the difference.

Child education and future planning involve creating a structured savings and investment plan to meet upcoming expenses related to schooling, higher education, career opportunities, or marriage. These plans are tailored to a child's specific milestones, helping you accumulate funds over time without financial stress. It combines disciplined investing with risk protection to ensure your goals stay on track.

Types of Child Education & Future Planning
Child Education Plans

• Insurance-Based Plans: Offers life cover with maturity benefits for education.
• Investment-Based Plans: Market-linked returns through mutual funds or ULIPs.
• Endowment Plans: Guaranteed returns with regular payouts.

SIP for Child’s Future

• Systematic Investment Plans: Monthly investments in mutual funds aimed at wealth creation over the long term.

Public Provident Fund (PPF)

• Long-term government-backed savings option with tax benefits.

Sukanya Samriddhi Yojana (for girl children)

• A fixed-income savings scheme designed to meet the education and marriage needs of the girl child.

Key Features

• Goal-Oriented Planning : Customised plans to meet specific milestones such as education abroad or professional courses.
• Financial Discipline : Encourages systematic savings and long-term wealth building.
• Dual Benefit of Protection and Growth : Some plans offer life cover with investment returns.
• Flexible Payout Options : Choose between lump sum or staggered payouts based on education stages.
• Tax Efficiency : Most plans offer tax benefits under prevailing tax laws.
• Inflation-Adjusted Returns : Designed to beat inflation and ensure your savings retain value over time.

Planning early for your child’s education and future needs is a gift that lasts a lifetime. With the right strategy in place, you can stay prepared for every academic milestone without financial worries. Our customised solutions ensure you’re always one step ahead.

Retirement and pension planning involves identifying future financial needs and investing in suitable tools that provide income after retirement. The goal is to build a strong financial foundation that supports your lifestyle, healthcare, and other needs during your golden years. It is a long-term process that includes saving, investing, and managing your assets wisely.

Types of Retirement & Pension Plans
Pension Plans (Annuity-Based)

• Immediate Annuity Plans: Start receiving pension immediately after investing a lump sum.
• Deferred Annuity Plans: Pension starts after a set accumulation period.
• Joint Life Annuity Plans: Offers pension benefits to both spouses.

Public Provident Fund (PPF)

• A long-term government-backed savings option with tax benefits and compounded returns.

National Pension System (NPS)

• A voluntary retirement savings scheme with exposure to equity, corporate bonds, and government securities.

Employee Provident Fund (EPF)

• A retirement savings scheme for salaried individuals with employer contributions.

Mutual Funds for Retirement

• Equity or hybrid mutual funds that help build wealth over the long term.

Key Features

• Regular Income Post-Retirement : Ensures steady cash flow during non-working years.
• Customisable Plans : Flexibility to choose plan type, payout option, and investment tenure.
• Tax Benefits : Many retirement options offer tax deductions under prevailing tax laws.
• Inflation Protection : Plans structured to help your savings grow and keep pace with inflation.
• Security for Dependents : Joint or nominee-based options provide benefits to surviving family members.
• Wealth Creation : Investment-linked pension plans help grow your money over time.

Retirement planning is a crucial step toward financial freedom and peace of mind. The earlier you begin, the more you benefit from the power of compounding and long-term growth. With the right plan, you can retire with dignity and confidence.

This service helps individuals prepare financially for purchasing residential property. It includes budgeting, identifying eligible home loan options, estimating EMIs, understanding interest structures, and ensuring your credit profile is loan-ready. The aim is to make your home buying process smooth, well-informed, and cost-effective, without putting undue pressure on your monthly finances.

Types of Home Loan Options
Fixed Rate Home Loans

• Interest remains constant throughout the loan tenure.
• Ideal for those who prefer predictable EMIs.

Floating Rate Home Loans

• Interest changes with market rates.
• Suitable for those expecting falling interest trends.

Home Construction Loans

• For those building a home on a plot of land.
• Funds released in stages as construction progresses.

Balance Transfer Loans

• Transfer existing loan to another lender offering better rates.
• Helps in reducing EMI burden.

Top-up Loans

• Additional funds over an existing home loan.
• Can be used for renovation or personal needs.

Key Features

• Tailored Loan Guidance : Get expert help in selecting the right loan as per your financial profile.
• EMI & Budget Planning : Ensure that your EMIs align with your income and future goals.
• Credit Score Support : Guidance to maintain or improve credit health for better eligibility.
• Property Verification Assistance : Help in checking legal and financial aspects of the property.
• Documentation Support : Assistance in preparing and submitting all required paperwork.
• Tax Benefit Advisory : Understand the deductions available on principal and interest payments under current tax laws.

Buying a house is a major milestone, and with proper planning, it can be a rewarding experience. Whether you're planning now or a few years down the line, starting early gives you better loan options and greater peace of mind. Our structured House Purchase & Loan Planning services ensure you’re financially ready to turn your dream home into a reality.

It is a holistic approach to managing your personal finances. This planning includes evaluating your income, expenses, investments, insurance, tax liabilities, and future goals such as home purchase, children’s education, retirement, or wealth transfer. The purpose is to align every aspect of your financial life so you can grow your wealth while protecting it against unforeseen risks.

Types of Financial Planning

• Goal-Based Planning : Focuses on specific life goals like marriage, child education, or home buying.
• Investment Planning : Chooses suitable financial instruments based on risk appetite and timelines.
• Tax Planning : Utilizes available deductions and exemptions under prevailing laws.
• Retirement Planning : Prepares a strategy for financial independence post-retirement.
• Risk Management & Insurance Planning : Assesses current risks and provides coverage through life and health insurance.

Key Features

• Personalized Financial Roadmap : Tailored plans based on your income, lifestyle, and future goals.
• 360-Degree Financial Review : Regular assessment of your financial health with professional insights.
• Risk-Return Analysis : Balanced planning based on your comfort with risk and expected returns.
• Cash Flow Monitoring : Helps track income, expenses, and savings with greater clarity.
• Tax-Optimized Solutions : Smart strategies to reduce tax outgo and increase net returns.
• Periodic Rebalancing : Reviews and adjusts portfolio as per changing market conditions and goals.

Financial freedom is not just about earning more—it’s about making your money work for your future. With our Comprehensive Financial Planning services, you gain clarity, control, and confidence in your financial journey. Start today to build a secure, goal-driven future for yourself and your loved ones.