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Smart Investing for
India's Ambitious Professionals

Your financial life is more complex than a mutual fund SIP can solve. ESOPs. Home loan EMIs. Growing goals. Bonuses that deserve better than an FD. We build around all of it.

?? Maximise Your ESOPs ?? Invest Alongside Your Home Loan ?? Balance EMIs & Investments
Asset Allocation First India + Global Disciplined Rebalancing High Conviction Opportunities
150+
Indian Professionals Served
?50 Cr+
Capital Advised
15+
Unique Strategies Deployed
What We Do

Our Services for Working Professionals

Every rupee should have a purpose. We help you find the right one for each.

Investing Alongside a Home Loan

A large EMI doesn't mean wealth-building has to pause. We identify your investable surplus — bonuses, increments, windfalls, and deploy it in a structured portfolio that compounds in parallel with your loan repayment, without compromising lifestyle or liquidity.

Real outcome: A Mumbai pharma DGM with a ?1.6L monthly EMI on a ?2 Cr home loan built a goal-linked plan around her ?7L annual bonus — growing long-term wealth without touching her disposable income.

Build Long-Term Wealth

We build equity and cross-asset portfolios for professionals with 7–15 year horizons — focused on outperformance, tax efficiency, and liquidity when it matters. No market noise. No tips. Just a disciplined strategy that works while you work.

Real outcome: A senior product lead at a major Indian startup deployed a sizeable IPO bonus into a tailored long-term portfolio — now on track across multiple wealth goals without constant decision-making anxiety.

Goal-Specific Planning

Child's education. Early retirement. Global relocation. A second home. Each goal has a timeline and a number. We map every one of them, assign the right instruments, and build a portfolio that funds each, in sequence, with clarity.

Real outcome: A Bangalore-based CXO earning ?4L/month built a comprehensive plan spanning education, lifestyle, early retirement, and legacy, including financial planning for a second child before they arrived.

Maximise Your ESOPs

ESOPs are one of the most underutilised wealth levers in corporate India. When to exercise. How to manage concentration risk in your employer's stock. How to structure the tax liability. We help you turn equity compensation into real, diversified wealth.

Real outcome: Professionals across tech, banking, and FMCG have used ESOP proceeds — strategically exercised and tax-planned — as the foundation for long-term wealth portfolios that aren't concentrated in a single company's fate.
Client Stories

Real Professionals. Real Results.

The professionals we work with are ambitious, time-pressed, and serious about building wealth. Here's what that looks like in practice.

Payal
36 ยท Deputy General Manager ยท Mumbai

When Payal bought her dream apartment in 2022, her ?1.6L monthly EMI left her with ?80,000 in disposable income. She could have paid a larger down payment, but she chose to retain liquidity and invest. We built a custom plan around her ?7L annual bonus and any additional surplus, with a strategy focused on wealth accumulation, emergency liquidity, and tax efficiency. Every rupee beyond the EMI now has a clear purpose.

"The team at Tequity helped me strike that balance. I knew I was stretching with the loan, but I didn't want to compromise on either my home or my future."
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Senior Product Lead
Post-IPO Wealth Planning ยท Bangalore

Following a major Indian startup's IPO, this product lead received a sizeable bonus and wanted to turn it into long-term wealth, not park it in an FD. With a stable post-tax monthly income of ?5L, the goal was capital growth with tax efficiency. We designed a tailored equity portfolio with an asset allocation strategy focused on long-term outperformance and liquidity planning. Today the client is on track across multiple wealth goals without the burden of constant market monitoring.

"Tequity showed me a disciplined path toward long-term growth, not just a place to park the bonus."
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Ravi
37 ยท CXO ยท Bangalore

Ravi is a fast riser at a leading company — earning ?4L/month post-tax and approaching every life decision with meticulous planning. When he came to Tequity, he had multiple financial goals lined up and the foresight to begin planning for a second child not yet arrived. Over 10+ hours of deep-dive sessions, we built a fully customised, goal-linked investment plan — from education and lifestyle to early retirement and legacy, with every rupee mapped to a future milestone.

"I don't just want to save — I want a plan where every investment decision connects to something real. That's exactly what we built."
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Common Questions

Working Professionals: FAQs

Can I invest meaningfully while paying a large home loan EMI?+
Yes, even with a large EMI reducing monthly surplus, tools like SIPs from incremental income, annual bonus deployment, and lump-sum investments of windfalls can build significant wealth over time. The key is a structured plan that accounts for your EMI, liquidity needs, and long-term goals simultaneously.
How should I handle my ESOPs?+
ESOPs are taxed as perquisite income at exercise (added to your salary for that year) and as capital gains at sale. Beyond tax planning, the bigger question is concentration risk — most ESOP holders are already overexposed to their employer's performance through their salary. We help you exercise strategically and redeploy proceeds into a diversified portfolio.
I received a large bonus / IPO windfall. What should I do with it?+
A lump sum deserves a deliberate plan, not a reactive one. Depending on your overall portfolio, existing goals, and risk appetite, the right approach could be a phased deployment into equities, a debt-equity split, or specific goal funding. We help you map the windfall to your actual financial picture.
When should I start planning for my child's education?+
As early as possible — ideally when the child is born (or even before). A 15-year horizon on an education fund allows for equity-heavy allocation with significant compounding potential. Starting at 10 or 12 compresses the timeline and forces a more conservative allocation, reducing potential corpus size significantly.
How do I know if I'm on track for early retirement?+
Early retirement planning requires a clear target corpus (typically 25–30x your annual expenses), a realistic timeline, and a portfolio strategy that balances growth during accumulation with capital protection near the target date. We build a personalised retirement roadmap that shows you exactly where you stand, and what it takes to get there.

Your Money Should Work as Hard as You Do

Let's build a plan that accounts for your EMIs, your ESOPs, your goals, and your ambitions, with no jargon and no generic advice.

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