{{p.catLabel}}
{{p.date}}
{{p.title}}
{{p.summary}}
Read at {{p.source}} ↗
Surbhi Finserv
Insurance · Investments · Claims
Protect what matters. Grow what you build.
One trusted partner for your insurance cover and mutual fund investments, with hands-on help when you need to claim.
What we help you with
Insurance Products & Services
Mutual Funds Investment
Claim Assistance
Calculators
About Us
Advice that grows with your family
Surbhi Finserv helps individuals, families and business owners protect their wealth and build it steadily. We look at your whole picture, from insurance cover to long-term investments, and recommend only what fits your goals.
Surbhi Finserv is led by Chandan Sharma, who brings more than 12 years of experience in the life insurance industry. He is also an ARN holder in the mutual fund industry and has worked as a certified Mutual Fund Distributor for the last 3 years.
12+ yearsLife insurance industry experience
3 yearsCertified Mutual Fund Distributor
ARN-323935Mutual fund distribution registration
Honest, goal-based advice
We start with what you want to achieve, then choose products to match.
Relationships, not transactions
We stay with you through reviews, renewals and life changes.
Support when it counts
From paperwork to settlement, our team helps you through every claim.
Insurance
Insurance Products & Services
Cover for every stage of life, matched to your family, your health and your business, not to a sales target.
For business owners
Protect your business and the people who build it
Life insurance is not only for families. Two life insurance solutions help businesses stay steady through loss and reward the team that keeps them going.
Keyman Insurance
Your business may depend on a few people. A keyman policy is a life cover the company takes on a founder, partner or top performer, so a sudden loss does not become a financial crisis.
- The company pays the premium and receives the payout
- Helps repay loans and keep operations running
- Gives time to find and train a replacement
- Reassures lenders, partners and investors
Employer–Employee Scheme
Show your team they matter. An employer-sponsored scheme gives employees life cover and benefits through the company, so you attract good people and keep them longer.
- Group life cover for employees at group rates
- Funding for gratuity and leave encashment liabilities
- Retirement and retention benefits for key staff
- Simple enrolment, handled by the employer
Ask on WhatsApp
Tax treatment and eligibility depend on current law and the plan you choose. Please consult your tax adviser.
Mutual Funds
Mutual Funds Investment
Goal-based investing across equity, debt and hybrid funds, with a plan you can follow and a review you can count on.
- SIP & lump sum options to fit your monthly budget
- Goal planning for education, home, retirement and more
- Fund selection across leading fund houses
- Tax-saving funds (ELSS) to support your tax planning
- Regular reviews and rebalancing as your life changes
Claims
Claim Assistance
When you need your policy the most, we stand beside you, from the first call to the final settlement.
Step 1
Tell us what happened
Call or message us as soon as an incident occurs. We guide your next move.
Step 2
Documents, sorted
We prepare the checklist and help you gather and file the right paperwork.
Step 3
We follow up
We coordinate with the insurer and hospital or surveyor on your behalf.
Step 4
Settlement
We track progress with you until the claim is settled.
Financial Calculators
Plan your SIP, retirement, child goals, inflation and life coverImportant News
For information only · Updated {{blogUpdated}}
FAQs
Frequently asked questions
How do I choose the right insurance policy?
Tell us about your family, income, health and goals. We compare plans from several insurers and explain the cover, exclusions and cost so you can decide with confidence.
Can I start a mutual fund SIP with a small amount?
Yes. Many funds allow SIPs from a small monthly amount. We help you pick a fund and an amount that suits your budget and goals.
Are mutual fund returns guaranteed?
No. Mutual fund investments are subject to market risks, and returns can go up or down. Our calculator shows an illustration, not a promise.
How can you help if I need to file a claim?
Contact us as soon as the incident happens. We guide you on the documents needed, help you submit them and follow up with the insurer until settlement.
Is there a fee for your advice?
No, there is no fee for any advisory.
How do I get started with Surbhi Finserv?
Book a free consultation using the contact details below. We will understand your needs and suggest the next steps.
Let's plan your next step.
Speak with a Surbhi Finserv advisor about insurance, investments or an ongoing claim.
Phone: +91 93017 50991
Email: surbhifinservrpr@gmail.com
Office: 3142, Ganpati Vihar, New Changorabhata, Raipur, C.G. 492001
Chat on WhatsApp
Insurance
Insurance Products & Services
Cover for your life, your health, your vehicle and your business. Choose a category to see what it covers and how we can help.
{{prod.title}}
{{prod.intro}}
- {{b.t}}
{{p.name}}
{{p.desc}}
For business owners
Keyman Insurance and Employer–Employee Scheme
Two life insurance solutions for businesses: one protects the company from the loss of an important person, the other protects and rewards the whole team.
Keyman Insurance
Every business has a few people it cannot easily replace: a founder with the vision, a partner who brings the clients, a technical expert or a top performer. A keyman policy is a life insurance cover the company takes on that person. The company is the policyholder, pays the premium and receives the money if the person dies during the policy term.
How it works
- Identify: decide who the key persons are, such as directors, partners or top earners.
- Decide the cover: base it on the person's contribution to profit, business loans outstanding and the cost of finding a replacement.
- Choose the plan: a term plan is the usual choice, since it gives high cover at a low premium.
- Company pays: the business buys the policy and pays the premiums.
- Claim: if the key person passes away, the payout goes to the company.
Key benefits
- Business continuity: funds to run operations while the company recovers.
- Loan protection: helps repay business loans so lenders are not left exposed.
- Time to replace: pays for hiring and training a successor.
- Partner buy-out: can help fund buying a deceased partner's share.
- Confidence: reassures banks, investors, customers and employees.
Good to know: the company must have a genuine financial interest in the person being insured. If the premium is claimed as a business expense, the payout is generally taxed as business income. Please confirm the tax position with your chartered accountant under the law in force.
Employer–Employee Scheme
Your team is your biggest asset. In an employer–employee scheme, the company arranges life insurance and related benefits for its employees. Families feel secure, employees feel valued, and the business builds a stronger, more loyal team.
What the scheme can include
- Group term life: life cover for all employees at group rates.
- Gratuity and leave encashment funds: an insurer-managed fund to meet these liabilities.
- Group retirement plans: savings built for employees' retirement.
- Retention plans: employer-paid cover and benefits for key staff who stay.
Key benefits
- Attract and keep talent: a benefit people value and remember.
- Family security: a payout to the employee's family at a difficult time.
- Predictable cost: planned funding for liabilities instead of sudden outgo.
- Easy to run: the employer handles enrolment and renewals, with our help.
- Tax benefits: contributions may be allowed as a business expense as per current law.
Getting started
- Step 1: share your team size, roles and the benefits you want to offer.
- Step 2: we compare group plans from different insurers and explain the cover and cost.
- Step 3: submit employee details and pay the premium. Cover starts as per the policy.
- Step 4: renew every year and add new joiners as the team grows.
Good to know: group cover usually ends when an employee leaves, so employees should still keep personal cover. Benefits and eligibility vary by insurer and plan.
How a business owner can save tax
When a business pays these premiums for business reasons, the premium is generally allowed as a business expense. That lowers the profit on which tax is calculated. Move the sliders to see the effect on your own numbers.
1. Business pays the premium
2. Premium is deducted as a business expense
3. Taxable profit falls, so tax falls
{{sl.text}}
{{b.name}}{{b.val}}
Where each rupee of premium goes
Your real cost {{txCostPct}}Tax saved {{txSavePct}}
Tax saved this year
{{txSaved}}
Real cost of the premium
{{txNet}}
{{txNoteTitle}} {{txNote}}
This is a simple illustration, not tax advice. It assumes the premium is allowed in full as a business expense and uses one flat tax rate that includes surcharge and cess. Real tax depends on your entity type, your other income, the plan and the conditions of the law in force (the Income-tax Act, 2025 applies from 1 April 2026). Please confirm with your chartered accountant before claiming any deduction.
Want a plan for your business?
Tell us about your business and your team, and we will suggest the right cover.
{{coTitle}}
Companies are listed for reference. Plans, benefits and terms are offered by the respective insurers.
Need help choosing the right {{prod.short}}?
Talk to us and we will compare plans from different insurers and explain the cover, exclusions and cost in plain language.
Features, benefits and exclusions vary by insurer and plan. Please read the policy document carefully before buying.
Blog
Finance & Insurance News
Short summaries of the latest news on insurance, mutual funds and the economy, with links to the original reports. Use the calendar to browse news by date.
Last updated: {{blogUpdated}}{{blogHeading}}
{{calTitle}}
Days with a dot have news. Pick a day to see its stories.
{{blogEmpty}}
News summaries are for general information only and are not investment, insurance or tax advice. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.
Claim Assistance
You focus on your family. We will handle the claim.
A claim is never just paperwork. It is a hospital corridor at midnight, a family finding its feet after a loss, a car you need to get back to work. When life is at its hardest, you deserve someone who answers the phone and walks every step with you.
No one should have to chase forms while grieving.
A hospital bill should never be your second worry.
An accident is stressful enough without the paperwork.
Choose your type of claim
{{cp.intro}}
How to raise a {{cp.name}} claim, step by step
{{st.n}}
{{st.t}}
{{st.d}}
Documents to keep ready
- {{d.t}}
Things that make a difference
- {{d.t}}
A real case from the news
{{cp.example.tag}}
{{cp.example.title}}
What happened: {{cp.example.story}}
The outcome: {{cp.example.outcome}}
Read the report at {{cp.example.source}} ↗This is one reported dispute decided by a consumer commission. Every claim depends on its own facts, and the outcome is not a guarantee for any other claim.
Claim settlement data
{{cp.dataTitle}}
{{r.name}}
{{r.val}}
{{cp.dataNote}}
{{dataAsOfLine}}
A high settlement ratio is a good sign, but it is only one measure. Ratios by number of claims can look better than ratios by claim amount, and figures differ by period and method. Ask us to compare the full picture for your policy. Figures come from public disclosures and news reports, and may have changed since.
If your claim is rejected, it is not always the end
Insurers must give reasons in writing. You can ask for a review, and you have the right to take the matter further:
- Step 1: Ask for the rejection reason in writing and reply with any missing documents.
- Step 2: Write to the insurer's grievance officer. You can also use IRDAI's Bima Bharosa grievance portal.
- Step 3: If you are not satisfied, approach the Insurance Ombudsman or your consumer commission.
You do not have to go through it alone
Call us at any hour of need. We will tell you what to do next, help with the paperwork and follow up with the insurer until the claim is settled.
Calculators
Financial Calculators
Pick a calculator and move the sliders to see how much you need to invest for your goal.
Invest
{{sl.text}}
{{r.label}}{{r.value}}
{{headLabel}}
{{headValue}}
Download your results as a PDF or JPG.
Format
{{reportMsg}}
{{note}} Results are for illustration only. Returns are not guaranteed and actual mutual fund returns vary with market conditions.
Mutual Funds
Small steps today. A secure tomorrow.
Every dream, a child's education, a home, a calm retirement, begins with one decision: to start. You do not need a big amount or perfect timing. You need a plan, patience and a partner who guides you.
{{mfHeroText}} Source: {{mfHeroSrc}} ↗
Industry overviewAssets, investors and leading fund houses
Industry overview
India's mutual fund industry at a glance
A mutual fund pools money from many investors and invests it in shares, bonds and other assets through professional fund managers. India's industry began in 1963 and has grown from a small base into one of the country's biggest channels for household savings. Funds are regulated by SEBI, and their data is published by AMFI.
{{s.v}}{{s.l}}
Industry assets under management (AUM)
{{b.name}}
{{b.val}}
Industry assets grew about eight times between 2014 and 2026. They can also dip when markets fall, as they did between late 2025 and March 2026.
{{dataAsOfLine}}
Leading mutual fund houses
India has 44 mutual fund houses. The top three by assets have stayed the same through 2026: SBI, ICICI Prudential and HDFC. Many other well-known names follow. The list shows who is large, not which fund will perform best.
Historical returnsWhat the market delivered over 5, 10, 15 and 20 years
Historical returns
What the market has delivered over time
The Nifty 50 is an index of India's 50 large companies, and many index funds follow it. Its history shows two things: long periods have rewarded investors, and short periods can disappoint.
Nifty 50 (total return), yearly growth over the long term
{{b.name}}
{{b.val}}
A monthly SIP in the Nifty 50, by how long it ran
{{b.name}}
{{b.val}}
The lesson is patience. A SIP that ran only 1 to 3 years earned little or lost money, because markets had a weak stretch. A SIP that ran 10 years earned about 11.7% a year. {{mfTenYearLine}}
Past performance does not guarantee future returns. Index returns are not the returns of any one mutual fund, and fund returns are after costs and can be higher or lower. Mutual fund investments are subject to market risks.
Why a SIP worksSix reasons ordinary families choose SIPs
Why a SIP works for ordinary families
A Systematic Investment Plan (SIP) invests a fixed amount in a mutual fund on a fixed date every month. It turns saving into a habit that does not depend on your mood or on market news.
{{b.t}}
{{b.d}}
The power of compoundingSee why time matters more than amount
The power of compounding
Time is the real hero
Compounding means your returns start earning returns of their own. In the early years it looks slow. In the later years it takes off. See how three investors with the same monthly SIP end up at age 60.
{{sl.text}}
{{mfInsight}}
{{b.name}}{{b.val}}
{{b.sub}}
This is a simple illustration with a constant assumed return and monthly investing. Mutual fund returns are not guaranteed and will vary. Equity markets can fall as well as rise.
Goals you can reach with a SIPMonthly SIP needed for common goals
Goal-based investing
How a SIP can help you reach real goals
Here is what a monthly SIP could look like for some common goals, assuming 12% a year. The more years you give a goal, the smaller the monthly amount you need.
{{g.t}}
Target {{g.target}} in {{g.years}}
{{g.sip}} a month
You invest {{g.inv}}Growth {{g.gain}}
These are illustrations that ignore inflation, tax and costs. Actual returns are not guaranteed. Use our calculators to plan your own numbers.
Rupee cost averagingHow market ups and downs can work for you
Rupee cost averaging
Let market ups and downs work for you
When you invest the same amount every month, you automatically buy more units when the price is low and fewer when it is high. Over time, your average cost per unit can end up lower than the average price. You never have to guess the right day.
MonthInvestedUnit priceUnits bought
{{r.m}}{{r.inv}}{{r.nav}}{{r.units}}
{{rcaSummary}}
Illustrative numbers only. Actual results depend on market movements.
Types of mutual fundsEquity, debt, hybrid, ELSS and index funds
Types of mutual funds, in simple words
{{t.t}}
{{t.d}}
{{t.r}}Compare fund categoriesPut up to three categories side by side
Compare
Mutual fund comparison
Pick up to three fund categories and see them side by side: what they invest in, how risky they are, how long to stay invested and who they suit.
Choose up to 3 to compare ({{cmpCount}} selected)
{{cmpHead.c1}}
{{cmpHead.c2}}
{{cmpHead.c3}}
{{r.label}}
{{r.c1}}
{{r.c2}}
{{r.c3}}
This compares fund categories as defined by SEBI, not individual schemes or their returns. Risk and growth ratings are simple indications out of 5 and are not guarantees. Every scheme has its own riskometer, costs and portfolio, so read the scheme documents. Mutual fund investments are subject to market risks.
We will match a category to your goal, time frame and comfort with risk.
Articles for first-time investorsShort reads to build your confidence
Read and learn
Articles for first-time investors
{{a.title}}
{{a.p1}}
{{a.p2}}
Your journey in six stepsFrom your goal to your yearly review
Your journey in six steps
{{s.n}}
{{s.t}}
{{s.d}}
The best time to start was yesterday. The next best time is today.
Tell us your goal and your budget. We will suggest a simple plan and stay with you through every review.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance does not guarantee future returns. The illustrations on this page are for education only and are not a promise of returns. ARN-323935.