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Set your employees on the path to financial prosperity
Be a part of the country's most powerful
financial life transformation mission
Be a part of the country's most powerful
financial life transformation mission
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You’ve taken the first step towards financial prosperity for your team
Well here’s the tea: the meaning and understanding of financial prosperity varies from one individual to another. There’s no set amount of wealth that you must reach to be considered ‘prosperous’. But if you’re financially ‘comfortable’ in terms of being able to spend where you’d like to spend, are debt-free, and have a generous savings pool, you can count yourself as having achieved prosperity in that moment in time.
It’s important to note that financial prosperity isn’t defined by how much one earns, but rather, how much of one’s earnings are parked and most importantly, parked where.
However, if you decide to leverage your high-income status to put down a downpayment on a costly house in a metro city, purchase a luxury SUV, take lavish vacations, and fill your wardrobe with all the designer labels that money can buy, you might not feel financially prosperous for long.
This is because true prosperity comes from making wise choices with your hard-earned money to support your lifelong financial goals. That way, you'll never have to worry about money again!
Allow us to rewire and recalibrate what your mind perceives as the right expense, saving, and investment decisions on an everyday basis.
To empower 1 million Indians in 2024 with the right financial know-how to ensure they are on the right path to financial prosperity that realises dreams of 1 million families.
Enhanced Financial Literacy
Reduce Financial Stress
Long-term Financial Planning
Employee Well-Being and Mental Health
Overall Business Performance
Sanjiv Bajaj believes financial security is achievable for everyone. Inspired by his mission to empower 1 million Indians, BajajCapital offers the tools and guidance to navigate your financial journey. Take our quiz, explore investment options, and unlock your financial potential. Let's build a prosperous India, together!
Mr. Venkatesh Naidu
CEO, BajajCapital Insurance Broking LtdMr. Aabhinna S Khare
CDO, CMO & Head of StrategyMr. Uttam Agarwal
Chief Business Officer, La PremierMr. Rachit Mongia
Chief Business Officer, Financial Prosperity CentresMr. Vinay Taluja
Chief Product Officer, Insurance SolutionsAnswer the following questions and check your Financial Health
1 out of 9 questions
01
We appreciate the effort you've put into financial planning. You are in the correct direction. Make sure you rebalance your portfolio regularly. While in a superficial analysis your financial readiness seems pretty ‘on the money’ (pun intended) - it helps to have an expert take a look at your portfolio in a holistic manner, every now and then, to ensure impeccable financial health.
Enroll NowWhy not introduce
HR FOCUSING ON EMPLOYEE PROSPERITY: Human Resources (HR) departments globally are increasingly prioritizing financial prosperity for employees due to its significant impact on overall well-being, productivity, and retention. Key reasons for this being: Better employee well-being and mental health due to decreased financial stress, enhanced focus and productivity, better employee attraction and retention, and overall improved business performance.
1. Financial Stress and Productivity:
2. Impact on Mental Health:
3. Attracting Talent:
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Financial Horoscope
Financial Health Reality Check
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Financial Health Check
If achieving financial prosperity or even just feeling more secure with money seems like a distant dream right now, what you need is an action plan to scale this summit with success. Just like climbing a great mountain, financial plans can be broken down into a series of steps, making your ultimate goal entirely attainable.
Visualization is a powerful goal-setting technique. Motivational speakers swear by it, and so do financial coaches. It involves imagining exactly what you want to achieve and engaging all five senses to experience what it will feel like when you reach your prosperity goal.
For instance, how will financial prosperity feel? What will it look like to you?
Visualization is effective because it helps focus your mind away from daily distractions and motivates you to stay on track towards your destination. Start by writing down your visualization in detail, including all the emotions you'll feel. Did you make a yearly vision board this year? You’re already a step ahead. Spend some more time on it and make one version of a financial vision board now. Take action every day to move closer to your goal, and set aside at least 30 minutes a week to review your visualization notes and be inspired by your goal. Weekends are ideal for this.
Visualization is only the beginning. The next step is to establish SMART financial goals. You may have heard of SMART in terms of your quarterly goal-setting at work, it’s time to extrapolate those into your financial life as well. SMART stands for:
Specific
Measurable
Attainable
Realistic
Time-bound
The more detailed your goal, the more likely you are to achieve it, and both quantity and quality matter in your financial goals. Example: I will save 6 lac this year to build my emergency fund before January ends.
There may be times when you feel off track in your journey to financial success. Remember, that the trajectory is not a straight slope up. You might face financial setbacks, or other areas of your life, such as health or relationships, may demand more attention.
When you feel disconnected from your wealth goals, making a list of reasons why you committed to financial prosperity in the first place can be helpful.
Do you want to move to a bigger house in 5 years for your family and pets? Do you want to get your parents house refurbished? Do you want to leave a legacy for your kids? Start a business to support the growth of people with fewer advantages? Or perhaps you're passionate about writing and want to be financially comfortable before embarking on a sabbatical to hop on a writing residency program for 6 months?
Write down your motivations and remind yourself of them to stay focused on your goals.
We all understand the importance of setting aside personal time outside of work. Self-care and self-improvement are essential for our development and well-being. Part of this includes scheduling a regular money date with yourself over your favourite brew!
Every few weeks, block out a couple of hours in your calendar to enhance your financial education. Take a course to transform your money mindset, learn how to build a good credit score, or find out which credit card is best suited to your needs, or understand how passive investing works to support your future goals.
Use this time to get a better handle on your personal finances. Unsure of how much you're spending or saving each month? This is your chance to review your bank statements and dive into the details!
The foundation block of all financial prosperity paths is knowing your numbers. How much do you currently earn? What is the total value of your debt? Are you regularly setting aside money for savings? Are you on the path to financial abundance?
Many people need to work on these areas. If you've been avoiding them until now, don’t worry—it's not too late to start creating a plan and budget that works for you.
You might need to increase your income by asking for a raise, changing jobs, or starting additional income streams. Alternatively, you can reduce your expenses by negotiating bills, reviewing and cancelling unused subscriptions, using the debt snowball method, and taking control of your spending.
If you're new to budgeting, find a strategy that suits you, like the 50:30:20 method - The rule is to split your after-tax income into three categories of spending: 50% on needs, 30% on wants, and 20% on savings.
If you're still puzzled by the concept, why not consult a professional? You can always trust BajajCapital to help you make informed decisions - we can create a customized financial plan tailored specifically for you. This comprehensive 30-page plan will detail your current financial situation and provide a concrete roadmap to achieve your financial goals. All it takes is a basic 15-minute appointment with a BajajCapital wealth manager to get you started.
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