# Services — Arthum Wealth Services

Full-spectrum personal finance services under one AMFI registered advisor.

## 1. Mutual Fund Distribution
Goal-mapped portfolios of 4–8 hand-picked funds across equity, debt, hybrid and international. Quarterly reviews and rebalancing. → [/services/mutual-funds/](/services/mutual-funds/)

## 2. Health Insurance
Family floater and individual plans chosen on claim settlement ratios and coverage — not commission. → [/services/health-insurance/](/services/health-insurance/)

## 3. Term Insurance
Pure protection sized to your income, liabilities and dependents (15–20× annual income guideline). → [/services/term-insurance/](/services/term-insurance/)

## 4. National Pension System (NPS)
Tax-efficient retirement corpus with right PFM and Auto/Active choice. Captures the additional ₹50,000 deduction under 80CCD(1B). → [/services/nps/](/services/nps/)

## 5. Fixed Deposits
Bank and AAA-rated corporate FDs, laddered across tenures for liquidity + yield. → [/services/fixed-deposits/](/services/fixed-deposits/)

## 6. Loan Against Mutual Funds
Borrow against your MF units at attractive rates without breaking SIPs or triggering capital gains tax. → [/services/loan-against-mf/](/services/loan-against-mf/)

**Get started:** +91 95956 11222 · utkarsh.agrawal777@gmail.com · https://www.assetplus.in/mfd/utkarsh