Income v/s Wealth

Hello Everyone! 

At the onset, I am sure you and your loved ones are hale and hearty. 

At Sattwa Advisory Pvt. Ltd. we help our clients in raising funds – secured / unsecured from banks / financial institutions. Our advisory keeps the client’s requirements cornerstone to every decision. 

During this process, we encounter that the financial products/services which were sold/provided to clients are not in sync with the client’s financial requirements and needs. 

Eg :
  1. One of our clients in the service sector had borrowed amount above Rs 20 million in the form of business loans. The interest rate of such borrowings was between 17-19%. Since the client was in expansion mode, the client-focused on funds rather than considering the cost of funds as well. With monthly EMI of Rs. 1.7 million, the client began to feel the stress in terms of cash flow for growth and debt servicing. Post our advisory, we have planned and got the sanction of working capital limits thereby giving the much-needed growth capital and respite from monthly EMIs. They would now serve only monthly interest on the number of loans utilised.
  2. One of the clients in the manufacturing sector wanted to plan their backward integration. They didn’t have working capital limits and were dependent upon Loan Against Property for the same. Also, financial statements didn’t meet the banking norms and were not reflecting the strength of the company. Through our proactive approach and financial representation we helped them raise terms loans and working capital of Rs 50 million. This has resulted in improvement in a working capital cycle of the client and they have fine-tuned their business model. The management has given us the mandate for simplifying the group’s funding requirements and better collateral management. 


Throughout our work with clients, we concluded that although the client is having good businesses, healthy margin profile but still they face problems managing the growth of the business. When the banks / financial institutions called upon additional capital to be brought, the client would find it tough to raise additional capital. 

INCOME v/s WEALTH – THINK
What we do now echoes in eternity. – Marcus Aurelius 

Income is cash flow you generate to meet your expenses, build assets and clear your liabilities. 

Wealth is a legacy you create for the next generation. 
Wealth management is focused on all the financial areas. Effective planning of income for asset creation, better liability and expense management.

We all know that we get a financial product/service based on the recommendation of our family and friends. They get this recommendation from their circle of influence. This cycle goes on and on. The result is funds are blocked in illiquid mutual funds/life insurance products / real estate, fixed income etc products. The products don’t meet criteria such as investment time horizon, risk profile, tax planning etc. 

The impact of the financial decision is underestimated. The decision is taken without factoring in the long impact on your financial profile. 

BIG PICTURE – MISSING
Our focus was/is / will be understanding the needs and requirements and suggesting bespoke solutions which have a positive impact in long term. Simplifying the financial picture and scaling up your financial health is our goal. We do this by leveraging our resources and network thereby helping the clients to meet their financial and strategic goals. 

We live in the times of disruptions and the current environment warrants us to have better financial management to grasp the opportunities that come in your way. 

In the current scenario of national lockdown and world coming to a standstill, only a few amongst us have buffer funds to withstand such an emergency. Majority of us might be dipping into our savings to meet the ends. 

ACT NOW
Do reassess your financial profile and contact us for providing you with wealth management services creating more opportunities for growth and prosperity.