FAQ

InvestoEdge is a comprehensive financial platform dedicated to empowering individuals and businesses with a suite of investment and insurance solutions. Our services include access to unlisted shares, mutual funds, bonds, and tailored insurance plans, all designed to help you achieve financial freedom.

Unlisted shares refer to stocks of companies that are not listed on formal stock exchanges. Investing in these shares can offer unique opportunities. At InvestoEdge, we provide a curated selection of unlisted shares, complete with detailed financials and company information. You can browse available options on our Unlisted Shares page and follow the instructions to invest.

Your security is our priority. InvestoEdge employs bank-grade encryption and escrow-backed transactions to protect your investments and personal information. We adhere to strict regulatory standards to ensure a safe and trustworthy investment environment.

Yes, InvestoEdge offers a wide range of mutual funds and bonds. Our platform allows you to choose from over 5,000 mutual funds with expert ratings and invest in AAA-rated corporate and government bonds. Visit our Investments section for more details.

Absolutely. We offer tailored insurance plans to safeguard your future. Our insurance solutions are designed to meet diverse needs, ensuring comprehensive coverage. Explore our Insurance page to learn more.

Our team of financial experts is ready to assist you. For personalized advice, please visit our Contact Us page and fill out the consultation form. We’ll get back to you promptly to discuss your financial goals and how we can help achieve them.

InvestoEdge is committed to transparency. Detailed information about any fees or charges is provided upfront before you make any investment or purchase. For specific fee structures, please refer to the respective service pages or contact our support team.

To stay informed about the latest investment opportunities and financial news, subscribe to our newsletter. Enter your email address in the subscription box located in the footer of our website, and you’ll receive regular updates directly to your inbox.

Yes, InvestoEdge caters to both novice and experienced investors. Our user-friendly platform, educational resources, and dedicated support team make it easy for beginners to start their investment journey with confidence.

For any additional questions or support, please visit our Contact Us page. You can reach us via email or phone, and our customer service team will be happy to assist you.

InvestoEdge is an Authorised Person (AP) of Bajaj Broking (NSE AP3054006683, BSE AP01670601177207), an AMFI-registered mutual fund distributor (ARN-346769) and an APMI-certified PMS distributor (APRN06602). InvestoEdge is not itself a SEBI-registered stockbroker, investment adviser, research analyst or portfolio manager. You can verify these registrations on the NSE, BSE, AMFI and APMI websites.

Unlisted shares are shares of companies that are not listed on a stock exchange such as NSE or BSE. They are bought and sold privately and held in your demat account.

You need a demat account and completed KYC. You agree the price and quantity with the seller or intermediary, make the payment, and the shares are transferred off-market to your demat account. On InvestoEdge, you can start by sending a Buy request from the Unlisted Shares page.

Yes, individuals can legally buy and sell unlisted shares through private (off-market) transfers. These deals happen off-exchange, so they are not covered by stock exchange investor protection or grievance mechanisms.

There is no exchange price. Prices are indicative and set by demand and supply between buyers and sellers, so they can differ across platforms and change at any time.

You can sell only when a buyer is available, so a sale may take time and the price may differ from what you expect. Liquidity is much lower than for listed shares.

Yes. Unlisted shares are transferred to and held in your demat account (NSDL or CDSL).

Pre-IPO shares are unlisted shares of companies that are expected to go public. All pre-IPO shares are unlisted, but not every unlisted company plans an IPO.

For a main-board IPO, shares held before the issue by non-promoters are generally locked in for six months from the date of IPO allotment (SEBI ICDR Regulations). SME IPOs have a longer lock-in, generally one year.

Your shares become listed shares in the same demat account. You can sell them on the exchange after the applicable lock-in period ends.

An IPO is never certain, and plans can be delayed or dropped. You would keep holding the shares as unlisted shares and could sell them only through a private sale.

Gains on unlisted shares held for 24 months or less are short-term and taxed at your income-tax slab rate. Gains on shares held for more than 24 months are long-term and taxed at 12.5% without indexation, under current rules. Please consult a tax adviser.

No. Under current rules, the ₹1.25 lakh annual exemption under Section 112A applies only to listed equity on which STT has been paid, not to unlisted shares.

Once the shares are listed and sold on the exchange, the rules for listed equity generally apply. How your holding period is counted can vary, so please confirm your case with a chartered accountant.

A loan against securities (LAS) lets you borrow by pledging investments such as shares, mutual funds or bonds, without selling them. The loan is given by a regulated lender.

It depends on the security and the lender. InvestoEdge’s page shows up to 50% of market value for equity shares and equity mutual funds, 70–80% for debt mutual funds, and up to 80% for bonds and government securities. RBI sets the maximum limits for banks.

Rates depend on the lender and your profile. InvestoEdge’s page shows rates starting from 10% p.a. Interest is charged only on the amount you use.

If the value of your pledged securities falls, the lender may ask you to repay part of the loan or pledge more securities. If you don’t, the lender may sell the pledged securities.

Complete your KYC, choose a scheme, and set the amount and date for the SIP. The amount is then debited automatically each month. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.

Direct plans are bought straight from the fund house and have a lower expense ratio. Regular plans are bought through a distributor and include a distribution commission in the expense ratio.

You can buy listed corporate bonds through a SEBI-registered online bond platform or a broker, and the bonds are held in your demat account. Check the credit rating, yield, maturity and issuer before you invest.

Under SEBI rules, the minimum investment in a Portfolio Management Service (PMS) is ₹50 lakh per client. Accredited investors are an exception.

Mutual funds pool money from many investors and have low minimums. PMS is a portfolio managed in your own name, with a minimum of ₹50 lakh. AIFs are pooled funds for sophisticated investors, generally with a minimum of ₹1 crore.

Click Get Started on the Open Demat page, enter your details and complete KYC digitally using Aadhaar and PAN. The account is opened with Bajaj Financial Securities Ltd., and InvestoEdge acts as a facilitator.