FinSwan Financial Services

FinSwan Financial Services Financial Planning for Young Investors who want to build wealth, Manage Risk & achieve Financial Freedom

Nothing motivates us more than happy clients and positive feedback. We sincerely appreciate the trust and confidence pla...
03/04/2026

Nothing motivates us more than happy clients and positive feedback.
We sincerely appreciate the trust and confidence placed in us.

At our organization, growth is continuous.Congratulations Megha Lakhotia on completing the CFP Level 4 Exam by Financial...
16/03/2026

At our organization, growth is continuous.

Congratulations Megha Lakhotia on completing the CFP Level 4 Exam by Financial Planning Standards Board. 👏

We’re proud to work with professionals who invest in their own excellence

Another milestone achieved! Congratulations Dipika Barman on earning the Certification of National Institute of Securiti...
11/03/2026

Another milestone achieved!

Congratulations Dipika Barman on earning the Certification of National Institute of Securities Markets (NISM) Series-V-A examination with a score of 80%.

At our firm, learning never stops and this achievement reflects exactly that mindset. 🌟

08/03/2026

This Women's Day, we celebrate the women who nurture financial confidence and play a vital role in shaping the financial well-being of our clients. 🌸

Hello all!! We’re excited to welcome Megha Lakhotia, our new Financial Planning Intern to the team! Megha has successful...
03/03/2026

Hello all!! We’re excited to welcome Megha Lakhotia, our new Financial Planning Intern to the team!

Megha has successfully cleared all three levels of the CFP certification pathway administered by the Financial Planning Standards Board. She is currently pursuing B.Com from the University of North Bengal.

Wishing her a meaningful learning journey and continued success with us!

At FinSwan, trust comes first. We’re deeply thankful to our clients for their testimonials and continued support. Your r...
25/02/2026

At FinSwan, trust comes first. We’re deeply thankful to our clients for their testimonials and continued support. Your recommendations are the greatest recognition we can ask for. Grateful to grow together.

A Fixed Deposit (FD) is a bank investment with guaranteed returns and capital safety (insured up to ₹5 lakh per bank).A ...
19/02/2026

A Fixed Deposit (FD) is a bank investment with guaranteed returns and capital safety (insured up to ₹5 lakh per bank).

A debt mutual fund invests in bonds and fixed-income securities to generate stable but market-linked returns, carrying interest-rate and credit risk.

Investment limits:
FD: Minimum ~₹1,000; no practical upper limit.
Debt MF: ₹100–₹500 SIP or ~₹1,000 lump sum; no upper limit.

Typical returns (2026):
FD: ~6–7% per year (fixed).
Debt MF: ~7–9% per year (not guaranteed).

Liquidity:
FD: Premature withdrawal usually has penalties.
Debt MF: Redeem anytime; money credited in ~1–2 working days.

If you invest 1Lakh for 3 years:
FD at 6.5% becomes ~₹1.21 lakh.
Debt MF at 8% grows to ~₹1.26 lakh (not guaranteed).

Tax & compounding:
FD is taxed every year.
Debt MF is taxed only on redemption, means better compounding.

Inflation impact:
With 5–6% inflation, FD real returns after tax can be low.

Which is better in 2026?
Choose FD for absolute safety and certainty.
Choose debt mutual funds for better tax efficiency, liquidity, and slightly higher potential returns.

SIP(Systematic Investment Plan) is a market linked method to invest in mutual funds regularly with a minimum of ₹500 to ...
04/02/2026

SIP(Systematic Investment Plan) is a market linked method to invest in mutual funds regularly with a minimum of ₹500 to max. no investment limit.

Whereas PPF (Public Provident Fund) is a government-backed investment method which allows you to invest min. ₹500 to max. ₹1.5 lakh per financial year.

SIP can deliver around 9-12% or more (not guaranteed) annual returns over the long term and almost no returns in short term, while PPF offers a fixed 7.1% every year(government declared).

SIP involves market risk with short-term volatility. PPF is risk-free because it is government backed.

Both SIP and PPF compounds, but SIP has higher return potential over long periods.

SIP investments are easily redeemable. PPF has a 15-year lock-in with limited withdrawals.

PPF at 7.1% annual return rate grows to approx. ₹33 lakh. On the other hand assuming a 12% typical return rate SIP can grow to approx. ₹50 lakh after 15 years.

PPF is tax-free at maturity. SIP returns are taxed at 12.5% if capital gains are over 1.25 lakh a year.

Who should choose what:
SIP suits long-term wealth builders who can take risks, and PPF suits capital protection seekers with a steady rate of return.

PPF gives certainty. SIP gives growth.

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21/01/2026

Gen Z is getting trapped in a credit card lifestyle!!

Many Gen Z professionals take a credit card right after their first job, mainly to build a good CIBIL score for the future. Sounds smart, right..

But slowly, without realizing it, the card becomes a monthly budget instead of a financial tool.

Because of FOMO, social validation, and constant comparison, people start living a life they want; not the one they need.

Instead of using credit cards for emergencies; planned expenses; wealth building..

They’re used for daily wants like - fashion & online shopping; coffee & food deliveries; OTT subscriptions; gadgets; weekend trips; parties & concerts; impulse buys..

Around 60–65% of Gen Z apply for a credit card with little to no understanding of its cons.

Resulting to -
EMIs eating into monthly salaries;
living paycheck to paycheck;
financial stress at a very early age;

Credit cards are not bad but Unawareness is.

The goal should be;
use credit, don’t live on credit.

What’s your take on this?

14/01/2026

It can't be described in a single video how deeply grateful we are to every client who placed their trust in us for their financial journey. Your support and kind words mean more to us than we can express... 🙏 🎉

07/01/2026

Expense tracking is underrated, especially for Gen Z.

It doesn't hit until the UPI history gets scary at month-end.

Money usually isn’t disappearing.
What’s missing is the visibility.

A simple way to fix that is by spending just 5 minutes a day noting:

- Amount spent (e.g. Rs. 200)
- Purpose for spending (e.g. Groceries)
- How you paid (e.g. UPI, card, or cash)

Then classify spending into two categories:

Needs like rent, groceries, travel (basically essentials that keep life running)

Wants like food delivery, shopping, subscriptions ...

That’s it. No overthinking.

Try it for 30 days without changing anything.

Awareness does the rest.

Tracking isn’t about cutting fun in any way. It’s about knowing what your fun can actually cost.

01/01/2026

A new year brings new opportunities and fresh beginnings.

Thank you for trusting us with your financial journey.

Wishing you a year filled with wise choices, peace of mind, and long-term prosperity.

Happy New Year. 💐✨🎉

Address

1st Floor, Shyam Plaza, SF Road
Siliguri
734005

Opening Hours

Monday 10am - 5pm
Tuesday 10am - 5pm
Wednesday 10am - 5pm
Thursday 10am - 5pm
Friday 10am - 5pm
Saturday 10am - 1:30pm

Telephone

+918670111776

Website

http://linkedin.com/company/finswan-financial-service

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