About Us

Biju Capital Services LLP is a leading financial services firm driven by a clear vision and strong procedures to achieve it. We offer a wide range of financial services, helping clients choose the best products available in India. Our core services include Mutual Fund & SIPs, Insurance Services, Share Broking support, Loan Services, and more. As an AMFI-registered Mutual Fund Distributor, we are well-equipped to support your investments in Mutual Funds and SIPs.

With a client base of over 1000 and long-standing relationships backed by a strong track record, we have earned the trust of our clients. Positive reviews on Google and social media reflect the strong bonds we share with them. Our experienced support team is always ready to assist you further.

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Frequently Asked Questions

A mutual fund pools money from many investors and invests it in stocks, bonds, or other assets. A professional fund manager actively manages the investments. When you invest in a mutual fund, you buy units of the fund. The value of each unit is called NAV (Net Asset Value), which changes daily based on market performance.

a. Equity Funds – Invest in stocks
b. Debt Funds – Invest in bonds and fixed-income assets
c. Hybrid Funds – Mix of equity and debt
d. Liquid Funds – For very short-term investments

SIP lets you invest a fixed amount regularly (like monthly), helping build wealth over time with discipline.

All investments carry some risk, but mutual funds are managed by experts and follow strict SEBI regulations, making them a relatively safer option with good long-term potential.

A Demat (Dematerialized) account is where your shares and securities are stored electronically—just like a bank account holds your money. A Trading account is used to buy and sell shares in the stock market. It works along with your Demat account.

A Trading account helps you place orders, and a Demat account stores the shares once the transaction is complete.

Yes, you can open multiple Demat accounts with different brokers.

Yes, Demat accounts are regulated by SEBI and are completely secure.

Health insurance is a policy that helps cover your medical expenses like hospital bills, surgeries, medicines, and treatments.

It protects you from high medical costs and gives peace of mind during emergencies.

Exclusions may include cosmetic surgeries, dental treatments, treatments due to unethical activities, pre-existing diseases, and certain treatments having waiting period conditions. Always check the policy details.

It depends on your age, lifestyle, family size, and location. A minimum of ₹10 lakh is usually recommended for individuals and families.

A loan is money borrowed from a lender that you agree to repay over time with interest.

Common types include:
a. Home Loan – For buying or constructing a house
b. Education Loan – For educational expenses in India and abroad
c. Personal Loan – For personal needs (wedding, travel, emergency)
d. Vehicle Loan – For buying a car or two-wheeler
e. Business Loan – For business expenses or growth
f. Loan Against Property – Secured using your property as collateral

Secured Loans require collateral (like property or vehicle). Unsecured Loans don’t need collateral but may have higher interest rates.

Maintain a good credit score, ensure stable income, keep documents ready, and choose the right loan amount within your repayment capacity.

Life insurance is a contract where the insurer pays a lump sum to your nominee if something happens to you, in exchange for regular premium payments.

It provides financial security to your family in case of your untimely death, helps pay off debts, and ensures your loved ones maintain their lifestyle.

a. Term Insurance – Pure protection, low premium
b. Whole Life Insurance – Covers your entire life
c. Retirement Plans – Combination of Insurance + Investment
d. Child Plan – Investment Plan for Child education
e. Endowment Plans – Combines insurance + savings
f. ULIPs – Insurance + market-linked investment
g. Money Back Plans – Periodic returns + life cover

Ideally, 10 to 15 times your annual income. It depends on your income, liabilities, and future financial goals.

Travel insurance protects you against unexpected events like trip cancellations, medical emergencies, lost luggage, or passport loss during your travel.

It gives you financial protection and peace of mind while traveling, especially for medical emergencies, flight delays, or lost baggage.

Pre-existing medical conditions (unless covered specifically)
Adventure sports (in some policies)
Traveling against medical advice
Illegal or risky behaviour

Yes, you can buy it any time before your travel date. However, buying it early helps cover cancellations or pre-departure risks.

Vehicle insurance protects you financially against damage to your vehicle, theft, or third-party liabilities due to accidents.

Third-Party: Covers damage to others (person/property)
Comprehensive: Covers third-party + own damage + theft + natural disasters

Drunk driving
Driving without a valid license
Mechanical breakdowns
Wear and tear
Damages outside policy terms

Yes, the insurance can be transferred to the new owner. You must inform the insurer and follow the formalities.

santhosh kumar

One of the best service point of all financial products. The dedication of service and followups are always a cut above the edge. 

Mohd Faraz

Dear all, To start with any investment, I think nothing better than this thanks to Mr. Biju & team

Nisanth P U

Thank you sir for giving me the right direction to my financial freedom. The journey started 2018 still it's going well.. 

Jobi Paul

Reliable and dedicated team for all our financial needs and guidance!. Great service! Keep it up 

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