Future Purchase Investment Scheme

Start by identifying a future expense you expect to make, such as a refrigerator, television, insurance premium, child's education, vehicle, family function or any other planned financial requirement. Decide the expected date and estimate the amount you may need.

You can invest daily, weekly or monthly, according to your convenience and financial capacity. You may start with a minimum contribution of ₹100 and continue investing regularly towards your selected goal. Each contribution helps you gradually build the required funds.

Every payment must be properly recorded in your HGB FIN Passbook. Whenever you make a payment, please ensure that the amount collected is entered correctly and verify the entry before completing the transaction. Keep your passbook safely.

If you are making a cash payment, please hand the money only to the concerned, officially approved HGB FIN Agent. Do not hand over cash to any unauthorized person or intermediary. Always ensure that your payment is properly acknowledged and entered in your passbook.

Your investment will be accumulated towards the future goal selected by you. The amount may be deployed in eligible and profitable business activities, with a targeted return of around 8% per annum, subject to the applicable terms and conditions. Review your progress regularly.

We also encourage every investor to follow the official HGB FIN channel regularly. Stay updated with information on financial literacy, investment awareness, new schemes, important announcements and other updates from HGB FIN. Plan your contribution carefully, monitor your progress, and stay focused on the date and amount required for your chosen future expense. carefully.

Start with ₹100. Choose your goal. Invest at your convenience. Build your future fund gradually. Please retain your passbook and payment records safely. Always transact only through authorized HGB FIN representatives and follow the applicable terms and conditions of the programme.

HGB FIN works to make the process of planning and building funds for future purchases simple, structured and accessible to investors. The Future Purchase Investment Scheme helps investors prepare today for expenses such as a refrigerator, television, insurance premium, children's education, vehicle, family function, home requirement or other planned financial commitments.

Instead of arranging the entire amount when the expense becomes due, the programme allows investors to plan the requirement, decide the target amount and choose the expected date. Investors can then contribute regularly according to their convenience, helping them build the funds required for the selected future goal.

HGB FIN facilitates the investment process and coordinates the deployment of collected funds into eligible and profitable business activities, with the objective of generating returns during the investment period. Based on the applicable programme terms, the investment may target a return of around 8% per annum, subject to the agreed tenure and applicable conditions.

HGB FIN provides investors with a structured approach to future financial planning. Instead of arranging a large amount at the last moment, investors can begin preparing well in advance through daily, weekly or monthly contributions towards their selected goal.

HGB FIN also assists the investor in materializing the planned purchase or service when the selected requirement becomes due. Where applicable, HGB FIN may coordinate with relevant sellers, service providers or business partners to facilitate the purchase or fulfilment of the planned requirement. Any price advantage, negotiated benefit, discount or purchasing leverage achieved while materializing the purchase may, subject to applicable terms, be passed on to the investor as an additional benefit.

For providing this facility, the applicable programme charges, investment conditions and other terms will be communicated transparently to the investor before participation. HGB FIN helps investors understand their target, contribution plan, investment period and expected outcome before they begin.

HGB FIN also places importance on proper records, transparency and regular monitoring. HGB FIN maintains the relevant records and supports the investor through the applicable process from contribution to completion.

HGB FIN's role is to facilitate, coordinate and maintain a transparent process so that investors can gradually build a dedicated fund for a planned future expense and work towards their financial goal in a disciplined manner.

Returns, investment deployment, tenure, charges and other applicable conditions are subject to the programme terms. Any reference to approximately 8% per annum represents the stated target or indicative return and should not be interpreted as a guarantee unless expressly provided under applicable legal and contractual terms. Investors are advised to review the applicable terms before participating.