Shalab Gupta Bibhab of Bibhab Capital hails from an illustrious and established business family. A graduate from SIMS Mumbai in 2007 having a flair for Finance, he started his professional journey with a top fund house as an Equity research analyst. However, Shalab being the only heir, joined his family business in 2010 to take the legacy forward. In March 2019, he decided to follow where his heart always was Financial Markets. Alongside many other roles that he was successfully fulfilling, Bibhab Capital was founded and has already built an asset base of around Rs. 750 crores, which is spread across 200 HNIs & corporate treasuries and 1000 retail clients. He is currently the biggest mutual fund distributor in Western Uttar Pradesh and has an aim to only supersede that image.
He is a visionary who believes in diversifying into financial services and growth strategies like Co-branding.
As an individual, Shalab believes every individual should contribute and give back to the society that we thrive in. He loves children and ensures that he fulfills his social responsibility towards them by actively taking part in various charities.
His mantra is : To be successful, excellence should be the habit and not an act.
Know MoreWe believe treating our investor like a family and their investment like a child. Nurturing from the beginning is so important thus continuous education helps bridging the gap between investor and Investment Avenue. Fulfilling all financial and non-financial services are the integral part of our existence. Our vision is to focus on helping our investors achieve financial goals, as well as understanding of each client’s unique purpose, mission and values. We strive to empower clients by offering education, tools and resources aimed at facilitating clear communication and bringing definition to their ambitions and objectives.We take the burden out of managing the financial details so clients can enjoy life’s journey and live out their unique purpose and accompany their financial success.
Bibhab Capital offers you diversified range of funds where you can choose the best which suits your investment objective.
I have known Shalab Bibhab Gupta to Be Someone Who Is Extremely Competent, knowledgeable And Very Compassionate Individual So That Makes It All theMore straight-forward to count on his suggestions and advises with regards to our savings. He comes across as someone who is genuine in his approach and also creative because for him what matters is his customer and their gratification in the long run.
He had proven to be one of the most trusted MF Distributor who help his clients optimize their investment portfolio and plan for the challenges of retirement. Whether you are just about to retire or are just launching your career, he and his team are there to help. I highly recommend bibhab capital for all your finance- related matters.
*Bibhab* a brand that whole AGRA knows, shalab from the 4th generation in the family plays a supreme role of mutual funds consultancy, he partnered with us to make the whole experience of MF distribution a money- spinning for us.
His team is capable of recommending the right investment plan to suit the client’s financial goals. You can be assured of superior analytical abilities, subject matter expertise, and customer service skills that are just the few to name when it comes to introducing my dear friend shalab to you.
Shalab is one of the rare MF distributors I have met who has his own investment philosophy and process behind how he advises his clients. One gets a sense that he is truly representing the client and scanning the market for the best possible products or solutions to meet client requirements. He invests a lot in his success. Shalab is also an excellent public speaker and I am sure he is an inspiration to other distributors.
We thank you for the work you have done for us over the past year. The expertise & attention with which you have handled our financial affairs could not be faulted. Your advice on financial planning has saved us significant amount of money. May you prosper along with your clients.
I have been with the BIBHAB family and shalab from the beginning, they pioneer in real estate and education in Agra. I have always found shalab giving me a very honest advice that too in schemes which has very less T.E.R. (Total expense ratio), he is always open to ideas and very well informed and sensible.
He knows his subject very well, both in terms of where to invest and how to invest on a tax efficient basis. They anticipate my concerns, needs and expectations and are always approachable, available and affordable. Coming from such a rich background, he is extremely modest and down to earth and very easy to reach out too in-case of emergencies.
Life Insurance is a contract between the insurance company (insurer) and the policyholder (insured), in which, in return for a consideration (the premium) paid by the insured, the insurer promises to pay a specified amount to the insured on the happening of a specific event such as death, disability or critical illness.
Everyone regardless of their age needs life insurance. It is more important for the bread winner of any family.
Life Insurance helps secure the future income for the family even in the absence of their bread winner and thus securing their present life style and their future dreams.
The term insurance policy has two principal benefits: It has an affordable premium and a high sum assured. Thus, your family is well cared for even in your absence
You have bought and received the company's guarantee that if you die during the term of the policy, it will pay a death benefit to your beneficiary.
The person who has an "insurable interest" on your life can purchase an insurance policy for you. This generally includes members of your immediate family. In some circumstances your employer or business partner might also have an insurable interest.
Married Women’s property act 1984 (MWP Act) was created to protect the properties owned by women from relatives, creditors and even from their own husbands.
The Act was enacted to safeguard interest/properties owned by married women from creditors, relatives (including husbands), and court and tax attachments. Section 5 and 6 of the MWP act covers life insurance plans.
Any married man can take a life insurance policy under MWP Act. This includes divorced persons and widowers. The policy can be taken only on one’s own name , ie the life assured has to be the proposer himself. Any type of plan can be endorsed to be covered under MWP Act.
The beneficiary under MWP act in life insurance could be:
At the time of making the application, a separate from has to be filled by the proposer for it to be covered under MWP Act. The form will seek details of the beneficiaries, the share of the benefits that are to be accrued to them and the trustees.
A mutual fund is a financial instrument that collects money from several investors like you, and invests it in various investment options like shares, bonds, etc.
Depending on where your money is invested, mutual funds can be classified into three types: Equity, Debt and Hybrid.
An equity fund is a mutual fund that invests principally in stocks.
Debt Mutual Funds mainly invest in a mix of debt or fixed income securities such as Treasury Bills, Government Securities, Corporate Bonds, Money Market instruments and other debt securities of different time horizons.
A hybrid fund is a category of mutual fund that is characterized by portfolio that is made up of a mix of stocks and bonds, which can vary proportionally over time or remain fixed.
Hybrid fund is a mutual fund that invests in both, shares and bonds.
In a mutual fund a professional manager chooses investments that match the fund's goals for risk and return. Through mutual fund an investor holds a variety of investments which can make it easier for him to diversify his investments in different shares and other instruments.
Some of the major benefits on investing in a mutual fund are: - Diversification - Professional management - Convenience - Liquidity - Variety of schemes and types - Tax benefits
NFO stands for a New Fund Offer. When a new fund is launched for investors, it is known as a NFO. A NFO could also be the launch of additional units of a close-ended fund
Systematic Investment Plan (SIP) is an investment vehicle offered by mutual funds to investors, allowing them to invest small amounts periodically instead of lump sums. The frequency of investment is usually weekly, monthly or quarterly.
Investing in SIP offers two major benefits: - You can start investing with a small amount - You can average out your investment, as SIP involves buying units at different points of time and at different NAV levels
NAV stands for Net Asset Value of a mutual fund. This is basically the price of one unit of a mutual fund.
Liquid funds are mutual funds that offer high liquidity. This means, the units of these funds can be sold immediately, and the invested amount can be redeemed quickly
You can buy units of close-ended mutual funds only when a mutual fund company launches the fund. Once you buy them, you have to hold your investment for a fixed tenure
An open-ended fund or scheme is one that is available for subscription and repurchase on a continuous basis. These schemes do not have a fixed maturity period. Investors can conveniently buy and sell units at Net Asset Value (NAV) related prices which are declared on a daily basis.
Under a Systematic Withdrawal Plan (SWP), an investor redeems a fixed number of mutual fund units at regular intervals.
Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.
No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers many other important benefits. Health insurance protects you from unexpected, high medical costs. You pay less for covered in-network health care, even before you meet your deductible.
In a Family Floater plan all insured members are covered for the same sum insured under a single policy by paying one premium amount. The sum insured for a family floater is the maximum liability for any and all claims made by all the insured members.
An individual health insurance policy means a separate policy for each of the family member with individual sum insured.
By Pre-existing Condition we mean any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer.
Pre- and Post-hospitalization expenses cover all medical expenses incurred within 30 days prior to hospitalization and expenses incurred within 60 days post hospitalization provided the expenses were incurred for the same condition for which the Insured Persons hospitalization was required.
A waiting period is the length of time the insured have to wait before being eligible for Health Policy benefits
With rapidly changing demographics and lifestyles prevalence of critical illness is on the rise in India. With rise in life expectancy and chronic nature of critical illness there is a requirement of additional funds to afford high medical costs for treating such critical illnesses. Our policy covers 8 most common critical illnesses where an insured member is compensated by a lump sum payment.
Your employer will cover your medical expenses only as long as you are in his services. On your leaving the company due to retirement or any other reasons you and your family will be stranded if a medical emergency arises and you do not have an alternative health insurance policy.
Depending on the extent of the cover you buy your health insurance will cover medical benefits such as tests, drugs and treatment services. The insurance company agrees to cover the cost of certain benefits listed in your policy. These are called "covered services.