Watch out… something BIG is brewing at PHIR Wealth.
Watch out… something BIG is brewing at PHIR Wealth.
PHIR Health is a holistic healthcare platform that brings together Allopathy,
Ayurveda, and Naturopathy under one roof. We focus on providing personalized care
that addresses the root cause of health issues while supporting overall wellness.
Booking a consultation with PHIR Health is quick and simple. Follow these easy steps
to connect with the right healthcare expert.
1. Visit the PHIR Health Platform
Go to the PHIR Health website or mobile app and navigate to the Book Consultation
section.
2. Choose Consultation Type
Select the option that suits your needs:
• Online Consultation – Connect with a doctor through video, audio, or chat from
the comfort of your home.
• In-Person Consultation – Schedule a visit with a doctor or specialist at a partner
clinic or healthcare center.
3. Select Your Doctor or Specialist
Choose the appropriate healthcare professional based on your health concern.
4. Pick a Convenient Time
Select a suitable date and time from the available appointment slots.
5. Confirm Your Appointment
Enter your basic details and confirm the booking. You will receive a confirmation
message with appointment details.
6. Attend Your Consultation
Join the consultation online through the provided link or visit the clinic at the scheduled
time.
PHIR Health makes healthcare simple, accessible, and convenient helping you get the
right guidance when you need it most.
Yes. At PHIR Health, your medical records and personal information are kept strictly
confidential and securely protected. We use secure systems and data protection
measures to ensure that your information is only accessible to authorized healthcare
professionals involved in your care. Your privacy and data security are our top priorities.
Yes. After your consultation, PHIR Health can help arrange medicine delivery
through partnered pharmacies, subject to prescription and availability in your area.
You can pay securely via UPI, credit/debit cards, net banking, or integrated health
wallets. We also support direct billing with select health insurance providers.
If your doctor recommends a physical examination, the consultation fee you paid
online can often be adjusted or discounted against an in-clinic visit with the same
doctor.
You can reschedule or cancel up to 2 hours before your appointment through the “My
Bookings” tab. Refunds are processed automatically to your original payment method.
Yes. Every doctor on our platform undergoes a rigorous multi-step background
check, including verification of their medical registration numbers and clinical
experience.
Investment advisory involves professional guidance to help individuals and organizations make informed investment decisions. Advisory firms provide insights on asset allocation, portfolio management, and market trends.
Investment advisor services involve professional, personalized financial guidance—often under a fiduciary duty to act in the client’s best interest—covering investment planning, portfolio management, and goal-based financial advice. They access risk profile and manage assets (stocks, bonds, mutual funds) to meet client goals.
When choosing an investment advisory firm, consider factors like the firm’s track record, expertise, client reviews, fee structure, and whether their investment philosophy aligns with your financial goals.
Benefits of investment advisory services include expert market insights, personalized investment strategies, risk management, and the ability to navigate complex financial markets, ultimately aiming to enhance returns.
Expect personalized investment strategies, regular portfolio reviews, detailed market analysis, and transparent communication about performance and fees when using an investment advisory service.
An investment advisor should have relevant qualifications, such as a degree in finance or economics, certifications like CFA (Chartered Financial Analyst), and experience in investment management.
Investment advisory services aid in wealth management by offering tailored investment strategies, tax optimization, risk assessment, and long-term financial planning to grow and protect your wealth.
It’s recommended to meet with your investment advisor at least quarterly to review your portfolio and discuss any changes in your financial goals or market conditions.
A financial advisor offers broader financial planning services, including budgeting and estate planning, while an investment advisor focuses specifically on managing and optimizing investment portfolios.
Yes, online investment advisory services provide access to professional investment guidance via digital platforms, often with lower fees and the convenience of managing your portfolio online.
Yes, investment advisory services can be worth the cost if they provide valuable insights, personalized strategies, and professional management that enhance your investment outcomes and align with your financial goals.
Investment advisory firms ensure portfolio diversification by analysing client goals, risk tolerance, and market conditions, then recommending a mix of asset classes and securities to reduce risk and enhance returns.
The loan amount you can avail depends on your income, credit score, repayment capacity, existing liabilities, property value, and lender norms. Many lenders finance up to 75%–90% of the property value, subject to eligibility and regulatory guidelines.
You typically need to submit basic KYC documents, income proof (salary slips, bank statements, ITR), employment or business proof, property documents, and photographs. Additional documents may be requested depending on the applicant’s profile and loan type.
Prepayment or foreclosure charges depend on the loan type. Floating-rate home loans for individual borrowers generally have no prepayment charges. However, fixed-rate loans or loans taken by non-individual applicants may attract applicable fees as per lender policy.
Step 1: Submit your Application
The loan application you submit will consist of a duly filled-in loan application form, proof of income, proof of identity and address.
Step 2: Application Evaluation and Loan Sanction
Our internal team immediately starts evaluating the application and processing it further for sanctioning the loan.
Step 3: Property valuation
Once the property papers are shared and a legal technical valuation of the property is done to see if all is in order, the disbursal of the loan is approved. This step is easier to cross when you’re buying a home from an approved project.
Step 4: Loan Disbursal
A loan agreement is signed and the final disbursal takes place.
A financial institution hires agencies to objectively assess the value of properties used as loan collateral. This assessment considers the property’s age, usage, legal documents, condition and location. Market conditions, like the demand for the property in the area, also affect the valuation.
A financial institution undertakes certain risks while lending money to borrowers, so for prudent lending, the institution checks the borrower’s repayment capacity through his/her savings, income, age, qualifications, nature of work, any loans currently served, etc. This is called Credit Evaluation and determines the loan eligibility comprising of the loan amount, tenure of the loan and the rate of interest
The lending arm of NBFCs is given to penetrate market and people who might not get a loan from a bank, due to these reasons.
Banks reject these customers more often because their loan risk assessment process is strict. NBFCs take this risk, so they charge a little higher. This helps them cover possible losses and keep their business stable.
When an asset is sold at a price higher than its purchase cost, the resulting profit is classified as a capital gain. In India, such gains arising from the sale of assets are subject to capital gains tax under the Income Tax Act. Capital assets include commonly recognised investments such as property, land, shares, and mutual funds, but they also include less obvious transactions, including:
Tax planning involves strategically organising your financial affairs to ensure that, while fully complying with the provisions of the Income-tax Act, 1961, you take maximum advantage of all exemptions, deductions, rebates, allowances, and other benefits available under the law. The goal is to minimise your tax liability to the maximum extent possible without violating any legal requirements.
ITR for individuals is mandatory only if their income is above the basic exemption limit. There are also other criteria as follows, fulfilling which ITR filing is mandatory:
Expenditure on foreign travel with limits.
Electricity consumption with limits.
Deposit above certain limits in one or more current accounts or
Business receipts exceed certain limits
Professional receipts exceed limits
TDS and TCS amount exceed certain limits.
In the case of a resident whose asset is located outside India or who has signing authority for an account-based account outside India, ITR filing becomes mandatory.
All individuals and organizations that pay tax can benefit from tax planning. Many tax credits and government assistance programs are calculated based on net income on tax returns. Using tax strategies can help ensure you maximize these benefits and credits so as your taxable investment income is lower.
You can reduce your tax bill considerably by taking advantage of all the tax deductions and tax credits that you’re entitled to.
To file the Income Tax Return (ITR), one must gather various documents such as PAN Card, Form 16, Form 26, Annual Information Statement (AIS), Taxpayer Information Statement (TIS). Additionally, NRE (Non-Resident External) and NRO (Non- resident external) account details, residency certificate, income proofs, and books of accounts are required for ITR filing.
PHIR wealth platform assist and support you in every step of processing.
Yes, it is done under the guidance of our CA team.
Yes, they are trained and certified to guide you as per Income-tax Rules.
Legacy planning ensures your assets end up with the intended beneficiaries, minimizing family disputes, reducing tax implications, and providing financial security for your heirs. It also allows you to outline charitable intentions and nominate guardians for minor children.
Estate Planning is the legal and financial process of organizing, managing, and distributing assets (property, investments, savings) during your lifetime and after death.
Legacy Planning is a broader, often more personal, approach that includes transferring assets, but also focuses on passing down values, life lessons, charitable goals, and memories to the next generation
Will: A legal document stating how your assets should be distributed.
Trusts: Legal arrangements to manage assets for beneficiaries.
Power of Attorney (PoA): Designates someone to manage your affairs if you become incapacitated.
Estate planning in India is an important aspect of the financial planning process. Doing it the right way will not only help in distributing your assets as per your wish but curb family disputes as well. The benefits of estate planning are listed below:
An estate plan, once created, is not a permanent one. You should review it at least once a year and make the necessary changes (if any). In certain specific situations too, it is imperative to review or update your estate plan:
– Changes in family structure- birth, death, marriage, divorce of any of the beneficiaries.
– Acquired a new asset or taken a new loan.
– Substantial changes in the type of assets.
– Started a new business.
– Change in residential status of the testator or any of the beneficiaries.
– Changes in tax or succession laws.
You can change your Will any number of times you want. Ensure that you have mentioned on the new Will that it supersedes the previous one. By default, the latest Will would be considered the final one. All previous Wills would be considered invalid.
