Our in-house equity research desk provides recommendations based on strong company fundamental analyses. This is supported by a network of analysts with expertise in key sectors across industries. Our equity desk tracks various sectors and uses a mix of top down and bottom-up approach to identify stocks. Exposure to these is recommended on the basis of your risk profile - be it conservative, aggressive or moderate.

The direct equity product offering include:-

• Model Portfolio (Aggressive & Conservative)
• Stock Flash
• Regular company/result updates
• Regular company updates
• Thematic Notes: These notes are largely sent to discuss important events/themes that are impacting the markets and desk views on the same
• Market Impact: These are notes on quarterly analysis of the companies of the model portfolios
• Sector report/ Sector Update: These are notes on a specific sector, explaining the basic business model and subsequent updates on the current scenario in the sector

We offer a complete range of equity, debt and ultra-short term income funds and liquid funds to meet individual risk-return objectives. The selection of mutual funds is based on wide parameters and built on statistical models and quantitative tools like standard deviation, volatility, rolling returns, expense ratio and more. The funds are distributed to clients across top AMCs and are built on the principles of conservative approach and focused advice. MAAG (mutual fund analysis tool) is used to analyze the equity and balanced mutual fund holdings with respect to the asset allocation, market capitalization, sectoral holdings and company holdings.

We offer fixed income products like government bonds, tax-free bonds, fixed maturity plans, income funds; Bank Deposit, etc. in line with the client's risk-return profile. Capital Gains Bonds like NABARD, NHAI, REC and RBI Bonds are also provided to clients.

Insurance solutions offer an advanced means of managing wealth, offering succession planning tools for UHNW individuals. We offer customized insurance solutions to meet the lifecycle needs of the client through our partner HDFC Life.

• Life Insurance
• General Insurance (General insurance products are provided through our partner HDFC ERGO covering your entire risk spectrum)
• Business Insurance wherever there is an insurable interest of the business

We offer investments in realty through our referral partner HDFC Realty. HDFC Realty, a subsidiary of HDFC Ltd, has assisted over 2 million homebuyers in the last 30 years to help fulfill their dreams to own a property. HDFC Realty helps to search properties in all major cities in India and has transacted in properties worth over Rs. 500 crore. The main objective of the firm is to provide the buyer all the services from property search to visits at the property site, along with the legal documentation assistance under one roof.

In terms of asset class, private equity focuses on generating superior returns whilst improving portfolio diversification. However, these funds are illiquid and recommended for aggressive investors. Our in house research team carefully evaluates and selects private equity funds that will help you achieve your long-term investment goals. We suggest a large range of funds managed by some of the leading and trusted names in the industry.

A Structured Product is non-convertible debenture (NCDs) where the coupon or return on the bond depends on the movement of either an equity market index or stock. The coupon on these bonds are not fixed or assured. There can be two types of structures (a) Principal protected structures (b) Non-Principal Protected structures. They have fixed tenure and the issuers are largely NBFCs. HDFC Bank Private Banking Group has only offered principal protected structured products.

Estate Planning permits you to protect your wealth and transfer it to future generations. We offer a wide range of products and well-thought approach to transfer your assets to the next generation according to your objectives and wishes. Estate planning services are provided through our partner Warmond Trustees & Executors Pvt. Ltd. Warmond's estate planning services provide clients peace of mind by ensuring their estate is in order and their loved ones will always be taken care of. The professional team comprises of investment, banking and legal experts who provide clients specialized advice in all areas of estate planning. Client needs are met through:

• Prudent succession & Estate Planning
• Efficient tax planning
• Smooth distribution & transfer of assets to identified beneficiaries
• Dependable Trustees / Escrow agents / Managers to handle and preserve family fortune
• Uninterrupted management of assets
• Trust management &Wills
• Confidentiality