An AI-powered investment platform helping Indian investors build wealth through disciplined investing, research, and technology.
From direct equity to estate planning — guided by a certified dealer, not a generic algorithm.
We work across multiple insurers to match you with the right plan — compare claim settlement ratios below, or let our advisors shortlist for you.
| Insurer | Claim Settlement Ratio* | Notes |
|---|---|---|
| Star Health | 99.06% | Highest CSR among standalone health insurers |
| Care Health Insurance | 96.74% | Large hospital network, fast cashless approval |
| Aditya Birla Health | 95.64% | Strong wellness/rewards program |
| Niva Bupa | 92.39% | Popular for flexible, benefit-rich plans |
| ManipalCigna | 88.64% | Lower CSR than the above peers |
*Claim Settlement Ratio figures are approximate, based on IRDAI-reported data for FY 2024–25 as compiled by third-party analysts, and vary slightly by source and reporting period. Always verify the latest figures on the IRDAI website or with your advisor before deciding. CSR reflects the % of claims settled and is one factor among several (network hospitals, premium, waiting periods, sum insured) to weigh when choosing a policy.
Portfolio Management Services and Alternative Investment Funds — professionally managed, higher-ticket strategies for sophisticated investors.
| Category | Min. Investment | Typical Lock-in | Illustrative Return Range* | Best Suited For |
|---|---|---|---|---|
| Equity PMS | ₹50 lakh | None (open-ended) | 12–16% CAGR | HNIs wanting direct stock ownership |
| Multi-Asset PMS | ₹50 lakh | None (open-ended) | 10–13% CAGR | Lower volatility, diversified HNIs |
| AIF Category II | ₹1 crore | 3–7 years (close-ended) | 14–18% CAGR | Private equity / private credit exposure |
| AIF Category III | ₹1 crore | 1–3 years | 15–20% CAGR | Investors comfortable with derivatives/leverage risk |
*Illustrative category ranges only, not the performance of any specific product, and not a guarantee — actual returns vary by manager, strategy, and market cycle. We don't publish specific PMS/AIF scheme recommendations here; contact us and an expert will match a current, SEBI-registered product to your goals and risk profile.
Discount brokers give you a terminal. Traditional advisors give you a phone call. SMS Capital gives you both, and the research to back it.
| Capability | SMS Capital | Discount Brokers | Traditional Advisors |
|---|---|---|---|
| AI Assistance | Yes | No | No |
| Human Guidance | Yes | No | Yes |
| Research | Yes | Limited | Limited |
| WhatsApp Support | Yes | No | No |
| Portfolio Reviews | Yes | No | Limited |
| Investor Education | Yes | Limited | No |
| Dedicated Advisor | Yes | No | Yes |
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Generated automatically every morning and sent out on Telegram, email, and WhatsApp — the same report, ready to download here.
Market snapshot, sector view, and watchlist ideas, generated by the same automated workflow that runs your daily Telegram, email, and WhatsApp report.
This link is connected to your live n8n report automation — it always opens today's PDF.
A live SIP calculator — drag the sliders. Estimates only; actual returns are market-linked and not guaranteed.
Beginner se advanced tak — demat, SIP, IPO, aur tax-saving par practical guides, jaisa hum manishunfilterd par likhte hain.
Demat account ke basics, kyun zaroori hai, aur kaise kaam karta hai.
Step-by-step process — documents se leke account active hone tak.
Dono approaches ka comparison, aur kaunsa aapke liye sahi hai.
Chhoti shuruaat se disciplined investing ka safar.
Listing gain, allotment, aur mainboard vs SME IPO ka farak.
80C ke tahat tax bachayein, wahi equity growth ke saath.
Everything investors usually ask before opening an account or using our tools.
SMS Capital is an investment platform based in Lucknow that helps investors open demat accounts, access daily market research reports, and use free tools like SIP, Lumpsum, SWP, and tax-saving calculators to plan their investments.
You can start the process by tapping "Open Account" on this website, which walks you through the 5-step onboarding flow, or reach out directly via WhatsApp or a call and our team will guide you through document submission and verification.
SMS Capital assists with demat account opening and investor education. We are not a SEBI registered Investment Adviser or Research Analyst, and nothing on this site is personalised investment advice or a buy/sell recommendation.
Every morning our automated research workflow generates a market snapshot with sector views and watchlist ideas, delivered via Telegram, email, and WhatsApp, and always available to download as a PDF from the Research section of this site.
Yes, all calculators on this website are completely free and require no login or account opening to use. They're meant to help you estimate returns and plan investments before you decide anything.
Typically you'll need PAN card, Aadhaar card, a cancelled cheque or bank statement, a passport-size photo, and your signature for the account opening form. Our team will confirm the exact list based on the broker/depository partner used.
Account opening assistance through SMS Capital does not carry a separate advisory fee from us; any brokerage account-opening or annual maintenance charges are set by the broker/depository partner and shared with you upfront.
Tap the "Book Meeting" button floating on the site to message us directly on WhatsApp, or use the Contact section below to call, email, or find our Lucknow office on the map.
SMS Capital operates as a full-service broking partner, so brokerage is charged as per the applicable plan rather than a zero-brokerage model. We share the exact charges upfront before you open an account, so there are no surprises.
Most mutual fund schemes allow SIPs starting from as little as ₹500 per month, though the exact minimum depends on the specific fund you choose. Our team can help you shortlist SIPs that fit your monthly budget.
Yes, once your trading account is active you can trade in equity derivatives (Futures & Options) alongside cash market equity, intraday, and delivery trading — all through the same account.
Yes, once your demat and trading account is active, you can apply for upcoming IPOs directly, and our research updates flag notable IPOs as they open.
While our office is based in Alambagh, Lucknow, the entire account opening, trading, and investment process is fully online — so we work with clients across India, not just in Lucknow.
Yes, we help investors access PSU bonds, corporate bonds, tax-free bonds, NCDs, and government securities including treasury bills and dated G-Secs, based on your risk appetite and investment horizon.
Send a message, or reach us directly — whichever's easier for you.
Save the SMS Capital contact, message on WhatsApp, or book a call — whichever's fastest for you.
AI summary: placeholder sentiment reads moderately bullish on sector tailwinds. Not investment advice — for informational purposes only.