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About Us |
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Margin Trade Financing
Our Margin Trade Financing product allows you to take leveraged positions in capital markets segment facilitating purchase of securities with the help of amount borrowed from us against securities placed as collateral.
Key Features:
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Tenure |
Up to 12 months with a option to renew at the end of term |
Security |
As per approved list of securities |
Loan Amount |
Minimum Rs. 2 Lakhs |
Margins |
30% to 50% of the approved equity shares |
Interest |
Interest is calculated on daily outstanding balance payable/debited to your loan account at the end of every month |
Eligibility |
Resident Individuals, Public and Private limited companies, registered partnership firms |
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Benefits:
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Interest is charged only on outstanding amount and only for utilized duration. |

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Repayment either by sale of scrips or by cheque |

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Provision to draw down against available limits |

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Competitive interest rates |

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Exhaustive number of approved securities |
IPO Funding
IPO or Initial Public Offering has become one of the most lucrative investment options that retail investors have preferred to invest in, especially over the past decade or so. Post liberalization, there have been a lot of Indian companies that have floated IPOs and investors have had the opportunity to put money in companies that have opted to go public via the primary market route.
This product offers an excellent opportunity to leverage your own funds in primary markets and thereby increase the allotment quantum. The Investors have to invest only margin money and balance amount would be financed by us.
Key Features:
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Tenure |
10 to 15 days |
Loan Amount |
Minimum Rs. 1 lakh |
Interest |
Competitive |
Margin |
Case to case basis, depending upon expected allotment of shares – Existing investment in equity shares also can be provided as collateral |
Documentation |
Standard loan documents |
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Benefits:
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Interest is charged only on outstanding amount and only for utilized duration. |

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Procure Higher allotment in IPO |

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Take advantage of Investment opportunity in primary market |

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Easier and Faster processing |

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Maximize your existing funds available for investment |
ESOP Funding
Many companies are issuing Employee Stock Options Plan (ESOP) for retaining their key staff. An employee who has been awarded ESOP can avail loan against exercised shares. The ESOP funding is a loan facility offered against these shares allotted to employees. This facility is also used by many corporate to facilitate exercise of ESOP options by their employees.
Features:
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Loan available against shares allotted under ESOP |

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Margin – 10% of the purchase price or 50% of the market value of the shares whichever is lower |

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Attractive Interest Rate |

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Tenor – 1 year with a option to renew at the end of term |

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Loan Amount – Minimum Rs. 2 Lakhs |

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Simple Documentation |

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Available for selected listed corporate having strong fundamentals |
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Key Features:
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Tenure |
Fixed tenure with an option to repay earlier with mutually agreed terms. (3-6-9-12 months) |
Loan Amount |
Case to case basis |
Interest |
Competitive |
Margin |
Case to case basis |
Documentation |
As applicable |
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Benefits:
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Instant line of credit and interest is charged only on the amount utilized |

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To take advantage of investment opportunity with small margin money |

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Employee can create wealth in long run with appreciation in value of shares |

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Specialised and Customised Solution for every company and employee |

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Speedy and hassle-free transfer of shares: We open up the demat account on your behalf to facilitate a quick and seamless transfer of the allotted shares. This means that you save both your time and energy. Just provide us with the required documents and we will do the rest. |
Loan against Securities
Loan against Securities (Shares and Mutual Funds units) from Way2Wealth Capital Pvt Ltd empowers you to avail instant liquidity, against your long term financial investments. The product can be availed of by pledging of listed Equity Shares.
Key Features:
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Tenure |
Up to 12 Months with an option to prepay with mutually agreed repayment notice |
Loan Amount |
Minimum Rs. 2 Lakhs |
Interest |
Interest is calculated on daily outstanding balance payable/debited to your loan account at the end of every month |
Margin |
30% and above for listed and approved equity shares |
Security |
As per approved list of securities |
Eligibility |
Resident Individuals, Public and Private limited companies, Registered partnership firms |
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Benefits:
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Interest is charged only on outstanding amount |

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Repayment either by sale of scrips or by cheque |

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Provision to drawdown against available limits>
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Competitive interest rates |

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Exhaustive number of approved securities |
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| Documents Required |

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* Address Proof : Telephone Bill, Electricity Bill, Bank Account Statement (Latest) or Passport |

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* Proof of Identity : PAN Card copy, Passport, Driving License, Voter’s ID |

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Form 16 Or ITR returns (last 2 yrs) |

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3 Photographs to be affixed in the applications (Bank, DP & LAS) and to be signed across the photograph |

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Pay slip or Salary slip (last 2 months) |

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Cancelled cheque for demat account opening |

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3 Undated blank cheques favoring Way2Wealth Capital Pvt Ltd. |
* Required self attested copies in triplicate
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| Knowledge Centre |
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The list of registered NBFCs is available on the web site of Reserve Bank of India and can be viewed at www.rbi.org.in The instructions issued to NBFCs from time to time are also hosted at the above site. Besides, instructions are also issued through Official Gazette notifications. Press Release is also issued to draw attention of the public/NBFCs
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| Grievance Redressal |
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All grievances received in writing or otherwise shall be recorded and shall be escalated to the next level unless it is resolved to the satisfaction of the client within seven days of receipt
A Grievance Redressal Committee comprised of the Finance Head, Company Secretary and General Counsel has been constituted with final authority to dispose grievances. Grievances shall, in all cases, be resolved within 30 days
The Committee shall regularly report to the Board of Directors on the status of outstanding grievances
For grievances, customers can write to :
The Grievance Redressal Committee
Way2Wealth Capital Pvt Ltd.,
#14, Frontline Grandeur,
Walton Road,
Bangalore 560001
or email at grievance@way2wealth.com
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| Fair Practices Code |
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Fair Practices Code – PURSUANT TO RESERVE BANK OF INDIA CIRCULAR NO.80/03.10.042/2005-06 DATED SEPTEMBER 28, 2006
Scope and Objective:
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As an Institution mandated to facilitate and participate in infrastructure development and a provider of financial services, Way2Wealth capital deals primarily with state agencies, other financial institutions and medium and large corporates. Way2Wealth Capital also provides certain credit products, which are suitable for individuals and relatively smaller entities which may possess limited understanding of financial products. This Code is intended to provide assurance to all such clients of the Company’s commitment to fair dealing and transparency in its businesses irrespective of the financial sophistication of the client |
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This Code seeks to ensure that:
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Clients are advised of the key terms and conditions of services provided for their consideration prior to commitment of a transaction |
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Monitoring and administration of client accounts is carried out in a fair and transparent manner consistent with the terms and conditions of the facility provided |
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Recovery and enforcement, where necessary, is conducted following due process of law |
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Application and Processing of Loans:
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A loan application form shall be provided to clients for all standardized products offered by the Company. The same shall:
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Mention applicable terms and conditions |
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Provide a schedule of all supporting documentation required to enable processing of the application |
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Additional information and support documentation may occasionally be found necessary in course of processing a client application. The need for such information and documentation shall, in all such cases, be explained to the client and reasonable time provided for submission of the same
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An acknowledgement shall be provided for all applications received. The Company shall adopt an internal time frame for processing all loan applications. The time frame within which an application will be processed shall be mentioned on the acknowledgement
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Loan Appraisal Terms/Conditions:
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Offer letter shall include all the terms and conditions of the loan including annualised rate of interest and method of application (viz monthly, quarterly, advance/arrears etc)
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Acceptance of these terms and conditions by the borrower shall be kept on record
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Disbursement of Loans Including Changes in Terms and Conditions:
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Change in interest rate and other commercial terms shall be made with prospective effect other than under circumstances arising from regulatory instructions. Retrospective changes shall as far as possible be avoided and may be implemented only within the framework defined in the Loan Agreements
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2. |
Any change in the terms and conditions of sanction shall be effected only after due notice has been given to the client
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Any decision to recall/accelerate payment or performance under the agreement should be in consonance with the loan agreement
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Release of Securities:
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All securities shall be released on repayment of all dues by the client on the facility, and, where the client has offered the same security on other facilities extended to or guaranteed by the client, on repayment of all dues on such facilities
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For loan against dematerialized shares, the shares shall be released within seven working days to the credit of client’s dematerialised account. For all other security and related documents, an intimation shall be sent to the client within seven working days after repayment of all dues requesting the client to collect the same
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Any set-off of dues against the security may be made only after due notice of the same is provided to the client along with the particulars of the claims and the terms and conditions under which Way2Wealth Capital is entitled to such set-off. The same will be in consonance with the terms of the Loan agreements
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General:
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Way2Wealth capital will not interfere in the affairs of the borrower except for the purposes provided in the terms and conditions of the loan agreement (unless new information, not earlier disclosed by the borrower, has come to the notice of Way2Wealth capital)
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In the matter of recovery of loans, Way2Wealth Capital will strictly observe due process of law
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Transfer of Borrowal Account:
In case of receipt of request from the borrower for transfer of borrowal account, the consent or objection will be conveyed within 21 days from the date of receipt of request. Such transfer shall be as per transparent contractual terms in consonance with law.
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