Dilzer Consultants - Investments and Financial Planning

An ISO 9001 (2008) Certified Company

   SEBI REGISTERED INVESTMENT ADVISOR

262 HNI clients across the globe invest their faith in us. Shouldn't you ?

Slider image

Investors should always keep in mind that the most important metric is not the returns achieved but the returns weighed against the risks incurred. Ultimately, nothing should be more important to investors than the ability to sleep soundly at night.

~ Seth Klarman

Dilshad is by far, amongst the best investment consultant and advisor I have met. Extremely competent, well -informed, transparent and customer-need focussed, her interaction style makes all the difference.

Dilshad has the rare ability to assess the perfect mix of investment options depending on each individiuals requirement and vision, all with a professional yet friendly approach.

I would recommend Dilshad's services to anyone who is seeking sensible, well- informed investment advice while enjoying the benefits of being serviced by a super efficient and adaptive thinking investment consultan whose prime focus is in ensuring growth, stability and relevancy for your investment mix.

~ Suraj Hattangadi

Media

Budget 2015: Expectation from the Salaried Class. Dilshad writes in Dalal Times.

Budget 2015 is much awaited for reasons more than one. This is going to be the first budget for a party that won Thumbs up victory with a clear parliamentary majority, claiming 274 votes in the Lok Sabha. This Budget 2015 is expected to present the clear short and long term vision of our honourable and dynamic Prime Minister Shri Narendra Modi. This euphoria has extended to the equity markets, amidst a slowing global economy and markets having spiralled reaching new highs, defying fundamentals. Budget 2015 is expected to be a reformist budget, and rightly so, because citizens have witnessed real-time changes, such as, reduced inflation, increased manufacturing activity and therefore sustained corporate earnings growth. Interest rate cuts have fueled economic growth.  Reduced oil prices, have helped bridge the gap in our current account deficit. Anyone; would be excited to be a part of this radical change and witness India’s game changing momentum. Budget 2015 is one such trigger.

The salaried class are all eyes on the Finance Minister for the following benefits:

Raise in minimum Income Tax slab to Rs 3,00,000 from the current Rs 2,50,000 to compensate for rising inflationary trend in cost of living. This would also help in compliance by individuals and honest tax payers. Also, if the existing slab of Rs 250000-500000 and 500000 to 1000000 is removed; and one slab of Rs 3,00,000 to 10,00,000 introduced with a tax rate of 10% flat, 20% on income between Rs 10,00,000 to 20,00,000 and 30% on annual income above Rs 20,00,000.

This would be in accordance with the Direct Tax Code Bill 2010. This would encourage more savings among individuals, due to more disposable income.

Transportation Allowance:
This allowance is archaic and low. Rs 800 per month do not fill the tanks of petrol in most cars today. In fact, it covers about 10 days of running the vehicle only. If this is increased to 2000- 3000pm, it would be help.

Children Education Allowance has been Rs 100 per month for decades. Do any parents in urban India, pay Rs 100 per month for their child’s tuition fee today? Definitely not! If this amount is inflation adjusted, it would help employees on their tax deduction benefits. Also, since Education/ tuition fee payments comprise a major portion of one’s monthly expense, it would help, if a separate tax deduction and tax law for this expense is introduced.

Health Insurance limit should be increased under Sec 80D. The current exemption under this section, allows for Health premium deduction of Rs 15000 premium paid for self and family and Rs 20,000 extra for health premiums paid for parents.  Employees are hoping for an increase from Rs 35000 per annum to Rs 50,000 per annum premium deduction in this budget, considering inflation in medical expenses.

Medical Reimbursement paid by Employer: The Current Annual limit for medical reimbursement paid by employer to employee is Rs 15000 per annum. If this is increased to Rs 50,000 per annum due to rising cost of medical treatment, it would be a more realistic figure.

Exemption Limit of Rs 1, 50,000 under Sec 80 C: Currently an exemption limit of Rs 1,50,000 under Sec 80 C includes, EPF contribution of employee,  insurance plan premiums, NSC, PPF, Principal repayment of home loan, FD, ELSS and other small savings. For some employees, the EPF itself, covers permissible limit. If this limit, is enhanced to Rs 2,00,000 or Rs 2,50,000 per annum, there would be more potential for savings with tax benefits.

Also, if a separate section for claiming only insurance premiums is introduced, it would help. Currently, deduction towards Sec 80CCC for pension policies and 80CCD for NPS is clubbed under many other savings under Sec 80 C itself. If a new Section with tax exemption is introduced only for retirement planning and pension savings, it would enhance long term retirement savings.

Also repayment of principal amount on home loan, is clubbed under this section. If this amount can be claimed as a separate deduction, it would help reduce the overcrowding this section has to offer.

Reintroduction of Standard Deduction for Salaried Individuals: Earlier, there was a fixed amount of Rs 1, 00,000-1, 50, 000 reduced from the income of the employees towards standard deduction. If this is reintroduced, the tax liability of individuals would reduce to some extent.

Exemption Limit on Rent Paid under Sec 80GG:
If House Rent Allowance is not received, the exemption on rent paid to an individual is currently Rs 2000 per month. This amount was decided in the 90’s and rentals have gone up substantially after that. This exemption limit needs a revisit to match current inflated rental costs.

Increasing the ceiling on interest payment towards home loan: The current limit has been increased from 1, 50,000 to 2,00,000 in the last budget. However, a more favourable approach, is to increase this limit of tax deduction for home loan buyers to Rs 3, 00,000 per annum. This would also increase investment in the real estate sector.

Reforms in Infrastructure and shipping that were at logger heads for decades have started with a bang and the stage is set for more to come!

This article is contributed by Dilshad Billimoria, Member, The Financial Planners’ Guild, India and Director, Dilzer Consultants Pvt Ltd (a Sebi-Registered Investment Adviser)

See all News »

Dilzer Consultants Pvt Ltd- Promotional Video.

Testimonials

\"Dilshad has been handling my financial planning for a few years now. I find that she brings in the right blend of professionalism, interest in my well-being and financial health to the job. She made it a point, over many discussion, to understand my goals, my status and requirements without being a...
“Dilshad is a very knowledgeable and talented financial adviser. Dilshad offered wonderful personalized financial investment advise and assistance. She guided me whenever I called her with a financial problem. Shares, insurance, mutual funds, and whatever financial product it may be, she will be t...
I would like to express my appreciation for the thoughtful financial guidance I received from you. As a military family pensioner, I was not sure how to allocate my pension fund for my needs. Your sound advice eased my anxiety by clarifying my financial position with regard to my savings, expenses a...
\"I have known Dilshad for over 7 years and has been managing my investments and providing finacial advice to me. She is extremely thorough in her work and understands the clients requirement very well before giving advice. She is very well informed on her subject and provides service very appropriat...
Dilshad is an excellent financial planner - I appreciate the personalised attention, she\'s always available to assist and explain the finer points of planning that I often miss. I also appreciate the frequent information she gives us through mailers. Helps make informed choices.  Thanks Dilshad!...
\"Dilshad has a good understanding of the markets, and her recommendations are pragmatic, reasonably safe, and I always get the feeling that they are what she would do herself. Her office has been extremely supportive of the follow-throughs with different Financial Institutions. I think at the end of...
It was nice meeting you today regarding the discussion we had. Your suggestions had helped us to see the things in a better way through all the clutter and has made it easier for us to take certain decisions. We really appreciate your approach of listening to your clients, guiding them towards thei...
\"I have known Dilshad since 1984 through his father who was not only professionally connected, but also we lived as neighbors. Dilshad has been a brilliant person right from her school/college days. She has been carrying out the Financial Advisory Service assignment that she took after her studies i...
\"I have been taking her support in Financial services in Mutual funds and Insurance for the last 13 years. She has responded very well to my needs and taken good care of the investments.She is so good that I continue to use her support.\"...
\"Dilshad is a meticulous, diligent and highly efficient Financial Planner. She is extremely knowledgable about all financial aspects and developments. The service she has provided us has been consistently good and useful. It also helps that she is easily accessable for any query.\"...
\"Dilshad is a sincere, hard working lady, who gives great importance to my queries, helps me out in my financial planning, thereby give good valuable advise in my finance managment\"...
I have known Dilshad since 1984 through his father who was not only professionally connected, but also we lived as neighbors.\n\nDilshad has been a brilliant person right from her school/college days. She has been carrying out the Financial Advisory Service assignment that she took after her studies i...
\"Dilshad has been extremely watchful about my investment portfolio into MFs and has always been recommending necessary changes only if and when needed, in my best interest. Extremely dedicated and self driven to help safe-guard the interests of her clients. Very professional in her work.\"\nNovember 3...
Dilshad is a brilliant professional. Her promptness at expediting work issues is worth recommending. I would recommend her professionalism to whoever appreciates hard work with intelligent knowledge at financial planning.\r\n\r\nFebruary 20, 2013, Firdaus was Dilshad\'s client\r\n\r\nAircraft Maintenance Eng...
“I have been investing with Dilshad for well over 5 years now. My experience suggests that Dilshad is a very good financial advisor for people with long term investing aspirations and very little time to investigate Mutual Funds, track them & do other associated paperwork. Every fund recommend...
\"Dilshad has been our family financial advisor for several years now – and we have been satisfied clients\nHer detailed retirement planning has been valuable in understanding investing for long term.\nWe’ve also benefited from her advice on diversifying investments across various categories.\nDilsh...
“Trusting one\'s investments with a financial planner is always a tricky choice - My investment choices were haphazard - to say the least - till I met Dilshad. Over last 5+ years, I have received a candid advise from her She is mild mannered - but well read in her field of business. Very sensitive ...
“I am yet to come across a more thorough professional thatn Dilshad....and her knowledge of the financial markets is exceptional. Her insights are valuable, and she makes sure that your money is treated the same way as she would treat hers....
Dilshad is a committed professional who works with her clients to help them meet their goals. Her investment in improving her skill sets to service her clients better gives one the confidence of being in good and safe hands. She has her ears to the ground and provides sound and balanced advise to he...
I had done a few planning exercises in the past, where the consultant had taken my inputs on my goals and the timelines. This was the first time that the the data gathering exercise was so comprehensive. Just going through the process forced me to clear my thinking about my objectives, and also brou...
“Dilshad has a very proactive approach. Her calm and soft demeanor is definitely an asset. I would definitely recommend her for her business sense and other valuable attributes.”...
For over a decade now Dilshad has been my Investment Consultant guiding me on my investments, especially Mutual Funds. I have followed her sound advice and acted on her timely inputs provided thru regular updates, alerts and newsletters and watched my investments grow at a steady and healthy pace. S...
\"Dilshad has always given great advice. she is very professional and on time. She always talks sense. would recommend her to anyone.\"\r\nService Category: Finacial Advisor\r\nYear first hired: 2005 (hired more than once)\r\nTop Qualities: Expert, Good Value, High Integrity...
“Dilshad is a thorough Professional. She has a good knowledge of the market. Advises suitably for one\'s financial investments. She has been a very good help in my Financial Planning.”...
“Dilshad is by far, amongst the best investment consultant and advisor I have met. Extremely competent, well -informed, transparent and customer-need focussed, her interaction style makes all the difference. Dilshad has the rare ability to assess the perfect mix of investment options depending on ...
\"I know Dilshad for over 11 years and she is the one who is guiding me in all my financial investments. Her versatility about the market gives her that competitive edge... I would say she is very genuine...thinks in line with the client requirement…approaches the business in a very professional wa...
Dilshad is a through professional and a true leader in her field of financial consulting. I have been working with her last 5 years and truly impressed with her depth of knowledge both for mutual funds and investment market at a macro level. She meticulously works with her clients to help them move ...
“Dilshad is intelligent,highly focused,to the point and always ahead of time in term of her financial advisory and makes your feel involved & comfortable to take decisions with her elegant charm & personality. She always stands by you & facilitates right decisions with her pulse of mar...
“I know Dilshad professionally (my financial advisor ) for the past 6 years. I always trust her recommendations and instincts.”...
We have used Dilshad\'s services over the last one year and have been very happy with the outcomes. I have found her to be very professional and thorough in her approach, she makes time to fully explain the details when ever I have had any questions or needed clarity on any of her recommendations. Sh...
\"Dilshad is an expert financial planner who has an eye for detail and is very personable. She take meticulous care of the requirements and is extremely competent in her financial planning skill. Having known her for the last ten years I have no hesitation in recommending her and her team at all.\"...

read testimonials »

Portfolio Login

Customer redressal [wpli_login_link]