Your Questions, Answered.

SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund every month. The amount is auto-debited from your bank account. You can start with as low as ₹500/month. Over time, the power of compounding grows your investment significantly.

You can start a SIP with as low as ₹500 per month. PRinvins (ARN-88002) helps you choose the right fund and complete KYC — all in one visit to your home.

At 12% annual returns, ₹1,000/month for 20 years grows to approximately ₹9.99 Lakhs invested becoming ₹99.9 Lakhs. This is the power of compounding — your returns earn returns.

Mutual Funds are regulated by SEBI (Securities and Exchange Board of India). While equity funds carry market risk, long-term SIP investments (10+ years) have historically delivered 12–15% returns. PRinvins recommends funds based on your risk appetite.

ELSS (Equity Linked Savings Scheme) is a mutual fund that qualifies for Section 80C deduction — up to ₹1.5 lakh/year. It has the shortest lock-in (3 years) among all 80C options and historically delivers 12–15% returns. You can save up to ₹46,800 in tax (30% bracket).

Yes. SIP can be paused or stopped anytime without any penalty. Your invested amount remains in the fund and continues to grow. You can restart the SIP whenever you wish.

Medical costs in India rise 15% every year. A single hospitalisation can cost ₹2–5 lakhs. Health insurance protects your savings and ensures your family gets the best treatment without financial stress.

In a cashless claim, you get treated at a network hospital and the insurance company pays the hospital directly. You don't need to pay upfront. Star Health has 14,000+ cashless hospitals across India.

A family floater plan covers your entire family (self, spouse, children) under a single sum insured. It is more affordable than buying individual plans for each member. PRinvins recommends Star Family Health Optima for most families.

Yes, after a waiting period of 1–4 years depending on the plan. Star Health covers most pre-existing diseases after the waiting period. PRinvins helps you choose a plan with the shortest waiting period for your condition.

Health insurance premium is tax-deductible under Section 80D. Self + family: up to ₹25,000. Parents below 60: additional ₹25,000. Parents above 60: additional ₹50,000. Maximum total deduction: ₹1,00,000/year.

Call +91 88700 17893 or WhatsApp your policy details. PRinvins sends renewal reminders 30 days before expiry and processes renewal instantly. Policy soft copy sent to your WhatsApp/email immediately.

Term insurance is pure protection — it pays your family only if you pass away during the policy period. Premium is very low (₹800–1,200/month for ₹1 Crore cover). Traditional life insurance combines protection + savings but has much higher premiums and lower returns (4–6%).

A general rule is 10–15 times your annual income. If you earn ₹6 LPA, you need ₹60–90 lakh cover. PRinvins calculates the exact amount based on your income, liabilities, and family needs.

SBI Life Insurance is one of India's most trusted life insurers, backed by State Bank of India. PRinvins is an authorised SBI Life agent (IA991417824) offering term plans, child education plans, retirement plans, and pension plans.

A child education plan is a life insurance + savings plan that builds a corpus for your child's education and marriage. SBI Life Smart Scholar ensures your child's education is funded even if something happens to you.

Yes. Third-party motor insurance is mandatory by law in India under the Motor Vehicles Act. Driving without valid insurance can result in a fine of ₹2,000 and/or 3 months imprisonment.

Third-party covers damage to others (mandatory by law). Comprehensive covers both third-party liability AND damage to your own vehicle from accidents, theft, fire, and natural disasters. PRinvins recommends comprehensive for all vehicles under 10 years old.

In a standard policy, depreciation is deducted from your claim amount. Zero Depreciation (Nil Dep) add-on eliminates this — you get 100% of repair cost. Costs ₹1,500–3,000 extra per year but can save ₹20,000–50,000 in a single claim.

NCB is a discount on your own-damage premium for every claim-free year. After 5 claim-free years, you get 50% off your premium. NCB is preserved if you renew within 90 days of expiry. PRinvins sends renewal reminders to protect your NCB.

Section 80C allows you to deduct up to ₹1,50,000 from your taxable income. Tax saved: ₹46,800 (30% bracket), ₹31,200 (20%), ₹15,600 (10%). Best 80C investments: ELSS Mutual Funds, PPF, EPF, Life Insurance premium.

ELSS Mutual Funds are the best 80C investment — shortest lock-in (3 years), highest potential returns (12–15%), and market-linked growth. PRinvins (ARN-88002) helps you select the right ELSS fund for your tax planning.

Yes. NPS (National Pension System) gives an additional ₹50,000 deduction under Section 80CCD(1B) — over and above the ₹1.5 lakh 80C limit. Health insurance premium under 80D gives up to ₹1,00,000 more. Total possible deduction: ₹3 lakh+.

Tax saving investments must be made before 31st March of the financial year. PRinvins recommends starting ELSS SIP at the beginning of the year (April) rather than rushing in March — this gives better returns through the year.

PRinvins handles: Income Certificate, Community Certificate, Nativity Certificate, Heirship Certificate, Patta Transfer, Chitta & Adangal, Encumbrance Certificate, PAN Card, Aadhaar updates, Passport, Voter ID, Driving Licence, Marriage Registration, Birth & Death Certificates, ITR filing, and all TN e-District portal services.

Online through TN e-District portal: 7–15 working days. Offline through VAO/Tahsildar office: 15–30 days. PRinvins handles the entire process — document collection, form submission, status tracking, and doorstep delivery.

Yes. PRinvins handles PAN card applications — new PAN, correction, PAN-Aadhaar linking, and duplicate PAN. We collect your documents, fill the form, submit online, and track the status. Service available across Tirunelveli, Kanyakumari & Thoothukudi.

Yes. PRinvins assists with Tatkal passport applications — passport issued within 3 working days after police verification. We help you book the PSK appointment, prepare documents, and guide you through the process.

Yes. PRinvins Wealth Advisory is AMFI registered (ARN-88002) for Mutual Fund distribution and IRDAI licensed for insurance advisory. We are authorised agents for Star Health Insurance, SBI Life, IFFCO TOKIO Motor Insurance, and United India General Insurance.

PRinvins Wealth Advisory was founded in 2011 by Poopathy. We have 14+ years of experience serving 300+ families across Tirunelveli, Kanyakumari, and Thoothukudi districts.

No. Initial consultation is completely free with no obligation. We understand your financial goals and recommend the right products — only if they suit your needs. No pressure, no hidden charges.

Call +91 88700 17893 or +91 77382 07893. WhatsApp is also available. Office: Mittatharkulam, Kottaikarungulam, Tirunelveli — 627112. We also offer doorstep service across Tirunelveli, Kanyakumari & Thoothukudi districts.