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Nia's Services
Through our partnerships with leading FinTech companies, we provide our associates with a wide range of tailored financial solutions, empowering them to achieve greater financial stability and growth. And lead a better life.
Financial Product Access
These offerings are designed to enhance the financial and physical well-being of employees, making Nia a one-stop platform for comprehensive financial health management.
Loans
Based on the Attitude Score, employees can access a variety of tailored loan offerings, including:
Salary Advances: Short-term loans to cover expenses before payday.
Personal Loans: Unsecured loans for personal needs such as medical expenses, education, or home improvements.
Microloans: Small loans for immediate financial needs or to support small business ventures.
Emergency Loans: Quick-disbursing loans to cover unexpected expenses
Education Loans: Loans designed to finance educational expenses for employees or their family members.
Investments
Employees can seamlessly invest in mutual funds directly through the Nia app, using a simple interface. Investment options include:
Equity Mutual Funds: Focused on growth by investing in large-cap, mid-cap, and small-cap stocks.
Debt Mutual Funds: Offering stability through investments in government and corporate bonds.
Balanced Funds: Combining equity and debt for a balanced risk and return profile.
Micro SIPs: Allowing investments as low as INR 100 per month, capped at 1% of the employee's take-home pay.
Insurance
Nia provides a comprehensive insurance marketplace where employees can purchase various policies, including:
Life Insurance: To secure the financial future of the employee's family in the event of their passing.
Health Insurance: Covering medical expenses for the employee and their family.
Family Insurance: Comprehensive plans that cover the entire family’s health and well-being.
Fire Insurance: Protecting against damage or loss due to fire incidents.
Accident Insurance: Offering financial protection in case of accidental injury or disability.
Telehealth
Nia offers affordable telehealth services for employees and their families, with a subscription costing INR 50 per month. This service includes:
Weekly Consultations: Access to general practitioners and gynecologists for regular health consultations.
Family Coverage: Ensuring that not just the employee, but also their family members, can benefit from expert medical advice.
Higher Earning -Giggery App
Nia helps associates earn more by offering them additional opportunities to work during their free time through its Giggery App. This app connects associates with nearby gig work, allowing them to maximize their income by efficiently utilizing their available time. Whether a short task or a part-time gig, Nia ensures associates can easily find and take on work that fits their schedule, helping them boost their earnings.
Equity Mutual Funds
- Large-Cap Funds: Invest in large, well-established companies with stable growth potential.
- Mid-Cap Funds: Focus on mid-sized companies with higher growth potential but slightly higher risk.
- Small-Cap Funds: Target small companies with high growth potential but higher risk.
- Mid-Cap Funds: Focus on mid-sized companies with higher growth potential but slightly higher risk.
- Small-Cap Funds: Target small companies with high growth potential but higher risk.
Debt Mutual Funds
- Liquid Funds: Invest in short-term debt instruments, offering relatively low risk and high liquidity.
- Ultra Short Duration Funds: Invest in debt securities with a short maturity period, suitable for conservative investors.
- Ultra Short Duration Funds: Invest in debt securities with a short maturity period, suitable for conservative investors.
Hybrid Mutual Funds
- Balanced Funds: Combine equity and debt investments to balance risk and return.
- Aggressive Hybrid Funds: Invest primarily in equities with a smaller portion in debt for higher growth potential.
- Aggressive Hybrid Funds: Invest primarily in equities with a smaller portion in debt for higher growth potential.
Index Funds
- Nifty 50 Index Funds: Track the performance of the Nifty 50 index, offering diversification and steady growth
Systematic Investment Plans (SIPs)
- Micro SIPs: Specifically designed for small investments, allowing associates to start with just INR 100 a month and gradually increase their investments.
Dignified Retirement
To build a substantial retirement fund, it's important to invest small monthly amounts in diversified options. Consistent investing and an early start, taking advantage of compounding returns, can help ensure steady growth for a comfortable retirement.
Systematic Investment Plans (SIPs) in Mutual Funds
1. Equity Mutual Funds:
- Large-Cap Funds: Invest in established companies with steady growth potential.
- Multi-Cap Funds: Diversify across large, mid, and small-cap stocks for balanced risk and growth.
- ELSS (Equity Linked Savings Scheme): Provides tax benefits under Section 80C while offering growth potential through equity investments.
2. Debt Mutual Funds:
- Debt Funds: Invest in fixed-income securities like government bonds and corporate bonds for stability and lower risk.
- Hybrid Funds: Combine equity and debt investments to balance growth and risk.
- Large-Cap Funds: Invest in established companies with steady growth potential.
- Multi-Cap Funds: Diversify across large, mid, and small-cap stocks for balanced risk and growth.
- ELSS (Equity Linked Savings Scheme): Provides tax benefits under Section 80C while offering growth potential through equity investments.
2. Debt Mutual Funds:
- Debt Funds: Invest in fixed-income securities like government bonds and corporate bonds for stability and lower risk.
- Hybrid Funds: Combine equity and debt investments to balance growth and risk.
Public Provident Fund (PPF)
A retirement-focused investment option with diversified portfolio choices, combining equities, government bonds, and corporate debt
Recurring Deposits (RD)
A fixed-income investment with regular monthly contributions and guaranteed returns, suitable for risk-averse investors
Stocks
Direct investment in blue-chip stocks through a disciplined and systematic approach, focusing on long-term growth.
Gold
Investment in gold savings schemes or gold ETFs as a hedge against inflation and economic uncertainties.
Unit Linked Insurance Plans (ULIPs)
A combination of insurance and investment, providing market-linked returns with life insurance cover.
Real Estate Investment Trusts (REITs)
nvestment in income-generating real estate assets, offering regular income and potential capital appreciation.
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