Tuesday, November, 03,2026

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Financial Planning Services in India

Gurugram (Haryana) [India] : Indian households are committing more money to regular investing. Data released by the Association of Mutual Funds in India (AMFI) on 12 October 2026 shows that monthly SIP contributions reached a record ₹32,490 crore in September, with more than 10 crore contributing SIP accounts. Alpha Capital, a SEBI-registered investment adviser and multi-family office based in Gurugram, says this growth makes it important for families to connect their investments to a clear financial plan.

The same month, the industry’s assets under management fell 5.1% to ₹82.64 lakh crore, largely because of market-related valuation losses and debt-fund outflows. Equity schemes nevertheless attracted net inflows of ₹38,307 crore. Alpha Capital sees this as a reminder that regular investing must be supported by an understanding of when the money will be needed and how much risk a family can afford to take.

“Most families who come to us are not short of investments. They are short of a plan. It is common to find eight or ten mutual funds holding largely the same stocks, insurance policies bought as investments, and a retirement number nobody has actually calculated. Financial planning is the work of connecting all of that to specific goals and specific dates.”

By Alpha Capital

Why demand for financial planning services in India is rising

A household’s finances may include salary income, employee stock options, rental income, a family business, overseas assets and inherited property. Investment choices have also expanded beyond fixed deposits and traditional insurance to mutual funds, portfolio management services, alternative investment funds, REITs, InvITs, listed bonds and gold ETFs. Without periodic review, these holdings can accumulate without a clear purpose or an assessment of their combined risks.

Continuity matters too. Based on AMFI data, the SIP stoppage ratio was about 81.1% in August 2026 and eased to 78.5% in September. This compares SIPs discontinued or completed during a month with new registrations; it is not the share of all investors abandoning their SIPs. The data does not establish why individual plans ended. Alpha Capital’s view is that linking an SIP to a defined goal gives families a clearer basis for deciding whether to continue, adjust or stop it.

What a complete financial plan should cover

Cash flow and budgeting. A clear view of income, fixed commitments and discretionary spending, supported by an emergency reserve suited to the household’s expenses and income stability.

Goal-based investing. Each goal needs a time horizon, an estimate of the amount required and an appropriate asset allocation. Money needed in two years should not carry the same investment risk as money intended for a goal twenty years away.

Retirement planning. The retirement corpus should reflect expected living costs, inflation, longevity and healthcare needs. The plan should also set out how withdrawals will be funded after active income stops.

Risk management. Adequate term life and health cover, a review of existing policies and an assessment of concentration in a single stock, sector, property or business.

Tax planning. Investment and withdrawal decisions should account for applicable tax rules throughout the year, reducing the need for hurried decisions near the financial year-end.

Estate and succession planning. Wills, nominations and, where appropriate, trust structures should be reviewed together, with legal advice where needed, to support the family’s wishes for transferring wealth.

How the process works at Alpha Capital

Alpha Capital follows a five-stage planning process. It begins with understanding the client’s goals, followed by an assessment of income, expenses, assets, liabilities, cash flow and net worth. The firm then develops a customised plan, supports its implementation and reviews it at regular intervals. Clients can track their holdings through the firm’s consolidated portfolio app.

As a multi-family office, Alpha Capital combines financial planning with broader services, including investment management, estate planning and trust administration, accounting and reporting, income tax planning and compliance, and risk management. The scope is agreed with each family, with relevant professional support where required. The firm also works on multi-generational planning, preparing younger family members for the responsibilities of wealth and planning charitable giving.

“A plan written once and filed away does very little. Incomes change, children change their minds about careers, tax rules change and markets reprice. Our job is to revisit the plan as life moves, so that the decisions a family makes in a difficult year are guided by the plan and not by the headlines.”

By Alpha Capital

Five questions to ask before choosing a financial planner

Alpha Capital recommends that families clarify the following points before appointing an adviser.

1. Is the adviser registered with SEBI? Check the legal entity and registration details on SEBI’s website. Investment advice for consideration generally requires registration under the SEBI (Investment Advisers) Regulations, 2013, subject to applicable exemptions.

2. How is the adviser paid? Ask for a clear explanation of advisory fees and how any product distribution is handled. SEBI’s framework requires client-level segregation of advisory and distribution services for non-individual investment advisers.

3. Is the complaint record available? Registered investment advisers are required to disclose investor-complaint data on their websites. Review the record and the process for resolving concerns.²

4. Does the plan cover the full financial position? It should consider insurance, liabilities, taxes, real estate and succession needs alongside market-linked investments.

5. How often will the plan be reviewed? Agree on a review schedule and the changes in family circumstances that would call for an earlier review.

A commitment to ethics and professional standards

In a 2015 announcement, Alpha Capital stated its commitment to complying with the CFA Code of Ethics. The firm continues to emphasise ethics, research and advice suited to each family’s circumstances.

The firm’s reported recognitions include the Money Today–FPCIL Best Financial Planner of the Year award in 2013 and 2015, the CNBC Best Financial Advisor award in 2011, 2013 and 2014, and the Citywealth Asian Advisor of the Year award in 2013. Its website lists Soumen Basu, former Executive Chairman of Manpower India, among its advisers.

The firm’s stated mission is to help clients create wealth and simplify their finances through research-based advice tailored to each family. Further information about its financial planning services in India is available on its website.

About Alpha Capital

Alpha Capital is a multi-family office and wealth management firm based in Gurugram, serving high-net-worth and affluent individuals, families, businesses, trusts and charities across India. Its services include financial planning, wealth management, financial advisory, investment management, tax planning and estate planning. Alpha Capital is a SEBI Registered Investment Adviser, Registration No. INA100016390.

contact@alphacapital.in  |  0124-4246038  |  www.alphacapital.in

Disclaimer: Investments in the securities market are subject to market risks. Read all related documents carefully before investing. Registration granted by SEBI and certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors. Market data refers to August and September 2026.

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Daily Astro

03-11-2026

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Aries

Ganesha says it will be an important day for you, Aries. Your energy and confidence are ready to take you to new heights. Today you will be able to express your thoughts with clarity, which will increase your communication skills. New opportunities may arise in the working areas, which you have to be ready to take advantage of. In social life, you can make new meetings, which will prove beneficial for you in the future. This day will be good for solving family issues, and you will be able to establish better relations with your close ones. In the field of health, take care of your routine and resort to yoga or meditation to relieve mental stress. Controlling your expenses will be a smart move, as any sudden financial need may arise. Overall, this day is for you to stay positive, just use your insight and energy properly.

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Pisces

Ganesha says it is going to be a positive day for you. Your sensitivity and intuition will flourish today, allowing you to establish better connections between yourself and others. It is time to connect with someone or refresh old memories. Try to communicate with people close to you, as it will strengthen your relationships. In the field of work, your creativity will be cyclical today. If you are working on a project, your ideas will be new and full of innovation. Do not be afraid to share your ideas, it will give you positive feedback from your colleagues. In terms of financial condition, avoid any big investments. Small expenses will prove to be justified but think well before making any big decisions for the long term. In terms of health, focus on a balanced diet and regular exercise. For mental health, practicing meditation or yoga will help keep you stress-free.

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Aquarius

Ganesha says new opportunities are likely to open up for you. You will be in a position to take your creative abilities to new heights. This is the time to share your ideas and make new plans. Your friends and family will support your ideas, so it will be beneficial to take their advice into account. Positive changes are possible in business. This is the right time to work on an important project. You will get an opportunity to use your skills and knowledge properly. But, be careful; in some cases, you will need to control your emotions. In personal life, relationships will deepen. You will try to spend more time with your loved ones. This is a good time for love and companionship. Enjoy emotional moments that will make your relationships stronger. Be health conscious. Dedication to yoga and meditation will give you mental peace. These activities will keep not only your body but also your mind active. Overall, today will be full of possibilities for you. Stay committed to your dreams and work on them.

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Capricorn

Ganesha says your day is full of some new possibilities. You will experience grace and stability in your actions. This is the time to focus on your goals and work with determination to pursue your plans. You are likely to get success in your work, especially if you maintain your hard work and dedication. Positive changes can also be seen in your relationships. You will get a chance to spend time with family and listen to them, which will increase mutual understanding and depth. Focus on communication, as it will make your relationships stronger. However, it is also time to make monthly plans. Take care of your financial matters and try to save. This is the time when you can take concrete steps for your future. Your health condition is likely to remain normal but take some rest. Maintaining a mental balance will be important for you. Stay positive and keep faith in your actions!

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Sagittarius

Ganesha says today will be full of new possibilities and positive energy for you. You will feel a rise in your confidence, which will keep you open to new opportunities. This is the right time to make an important decision. Your spirituality and intuition will be strong, which will enable you to understand and face difficulties. Spending time with friends and family will awaken a sense of happiness and satisfaction in your mind. Relationships with colleagues at work can take a new direction. Cooperation and communication will help solve problems. If you face an obstacle or challenge, remember that you can overcome it. In terms of health, you may need to make a little improvement in your routine. Regular exercise and a balanced diet will give you freshness and energy. Strengthening social relationships and contacting new people will also be beneficial today. This is the time for self-growth and positive change for you, so recognize the energy within you and use it properly.

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Scorpio

Ganesha says today will be full of enthusiasm and energy. You will move towards achieving your goals, and your hard work will pay off. Social life will also be active; you will get a good chance to spend time with friends and family. In terms of health, take a little caution. Focusing on meditation and exercise will help reduce mental stress. This is also a good time to take up a new hobby, which can unleash your creativity. Take wise steps in terms of money. Make informed decisions while investing. For potential financial gains, take a look at past projects again. Your career is showing good signs of progress. Your ideas may be appreciated at the workplace, which will increase your confidence. Still, some issues may require restraint. Overall, today will prove to be positive and auspicious for you. Spend it with pride with your loved ones.

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Libra

Ganesha says today will be a very auspicious and positive day. You will get a chance to clarify your thoughts, which will bring stability to your personal and professional relationships. Your communication skills will increase, and this will open the doors of new possibilities for you. Your creativity and aesthetic sense will be especially strong today. If you are associated with any art or design, your work will be appreciated. This is the right time to express your feelings. If you are confused about a decision, trust your intuition; it will show you the right path. In terms of health, small changes can make your life better. Focus on regular exercise and a balanced diet. In love and relationships, a new understanding will develop, which will strengthen the mutual bond even more. Overall, this day is a sign of positive changes and new beginnings for you. Stay focused on your goals and recognize your inner strengths.

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Virgo

Ganesha says today is a suitable day to highlight your cognitive abilities and business skills. Today, you will be full of clarity and precision in your actions, which will increase your value among your colleagues and superiors. There is a possibility of bringing some changes to your routine, which will bring positive results for you. This is a good time to improve relations with family members. Try to resolve any old disputes, and keep communication open. In terms of health, meditation and yoga will bring mental peace. Also, take some time out of your routine for exercise. From a financial point of view, this is the right time to make a good plan for the right investment. Take a good look at the options available to you and make a wise decision. Overall, today will prove to be a day of new possibilities and positive changes for you. Be full of confidence and stay focused on your goals.

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Leo

Ganesha says today will be a day full of energy and inspiration. Your confidence will increase and your thoughts will come out with clarity. On this day, you will be able to see some new possibilities in your career, which will bring you hard work. Mutual understanding and harmony will increase your relationship, which will create a happy atmosphere among the family. This is a great time to express your thoughts clearly, so do not hesitate to communicate with your partner or friends. It is important to be health conscious, a little exercise and meditation will maintain your mental and physical health. Overall, this day will bring activity and positivity for you, so make the most of all the opportunities!

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Cancer

Ganesha says it will be a day of information and communication for you. Your mind will be full of ideas and you will be able to express your ideas well. There is a possibility of some new opportunities in professional life, which can prove beneficial for you. It is a good time to strengthen relationships with your colleagues, so work together at the workplace. Your emotional state will also be strong. Time spent with family will give you satisfaction. If you have any old problem going on, then the right time is coming to solve it. However, you need to keep your emotions under control, so that you do not get agitated over small things. In terms of health, try to practice yoga and meditation. It will empower you both mentally and physically. Take informed decisions in financial matters; do not rush into any investments. In summary, this day will be all about communication and cooperation, which will lead to positive changes for you.

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Gemini

Ganesha says there will be a new energy and freshness in your thoughts, which will make your personality even more attractive. Social contacts are likely to increase, which will expand your network. You will be inspired to spend blissful time with your friends and family. Some positive changes can also be seen in the business sector. The results of your hard work will gradually start coming, and this will motivate you to move forward. Keep in mind that while sharing your ideology, work with empathy, this will strengthen your relationship with colleagues. It is important to be health conscious. A little attention and relaxation will give you mental freshness. Practicing yoga or meditation will be beneficial for you. This day will be full of positivity and new possibilities for you. Express your mind openly and do not hesitate to adopt new ideas.

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Taurus

Ganesha says it will prove to be a positive day for you, Taurus. You will feel energetic and full of confidence. The time has come to reap the fruits of your hard work and efforts. The workload may stress you for a while, but you will face all the challenges recognizing your strengths. Sweetness will also remain in your relationships. Spending time with your family and friends will be a source of joy for you. Conversation with someone special can give you a new vision and promote mutual understanding. A special occasion may be organized among friends or family, which will bring happiness and harmony to you. Moments spent with loved ones will give you mental peace. It is important to be health conscious. A little exercise or yoga will give peace to your mind and energy to your body. Your day will be full of happiness and positivity, just keep your thoughts and emotions balanced.

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03-11-2026