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Why We Started Blooming Capital

Why We Started Blooming Capital

Our journey began with a personal struggle. My family and I were victims of poorly designed financial products. Frustrated by the lack of transparency in the industry, I founded Blooming Capital to create a better way. Today, as an NISM & CRISIL Certified Wealth Manager, I’m proud to offer honest, clear, and effective financial solutions to help people avoid the mistakes we endured.

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Our Services

Our Services

Mutual funds

Mutual Funds offer diversified investment options, managed by experts to help you achieve long-term financial growth and stability.

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Life insurance

Life Insurance provides financial security and peace of mind, ensuring your loved ones are protected even in your absence.

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Financial goal planning

Financial Goal Planning helps you strategically save and invest, ensuring you achieve your life's aspirations with confidence and ease.

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Health insurance

Health Insurance provides financial protection against medical costs, giving you access to timely healthcare and peace of mind.

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What Makes Us Different?

What Makes Us Different?

Transparency:

No hidden fees, no surprises. Everything is clear and upfront.

Trust:

Your goals always come first. We are committed to your financial success, not sales targets.

Expertise:

Led by an NISM & CRISIL Certified Wealth Manager, we provide knowledgeable, reliable financial guidance.

Long-Term Focus:

We believe in creating lasting wealth through patience, discipline, and proven strategies.

Portfolio Monitoring & Rebalancing:

Regular reviews and adjustments to keep your portfolio aligned with your goals and market conditions.

Mobile Features

Mobile Features

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Investor Warning

Investor Warning

If you’re looking to trade, we’re not your guide.

If you want to get rich quick, let us step aside.

If crazy returns are what you seek,

We’ll kindly say, “That’s not our streak!”

But if you value honesty, we’re your crew,

With integrity and transparency too.

For steady growth and goals that align,

We’ll help you build wealth, one step at a time.

No shortcuts, no nonsense, just a solid plan,

We’re here to guide you as best as we can!

Reach Out

Honest Advice, No Spam

Financial Tools

Financial Tools

Financial Calculator

Financial Calculator
Download Form

Download Form
Financial News

Financial News
Fund Performance

Fund Performance
Pay Premium Online

Pay Premium Online
Financial Fitness

Financial Fitness
Risk Profile

Risk Profile
Useful Links

Useful Links

Power Of SIP

Power Of SIP

Invested Amount :
Estimated Return :
Total Amount :

Testimonial

Testimonial

Frequently Asked Questions

Frequently Asked Questions

At Blooming Capital, we help you build wealth without nonsense. No gimmicks, no misleading products—just solid financial planning.

✅ Goal-Based Financial Planning – Because "I'll start investing next year" is the biggest financial lie we tell ourselves.
✅ Term Insurance – Protect your family the right way. No savings plans. No drama. Just pure risk cover.
✅ Health Insurance – Medical bills shouldn't be your retirement plan. We help you choose wisely.
✅ Mutual Funds – Because long-term wealth isn't built on FDs and emotional stock picks.

Yes! Thanks to Zoom and Google Meet, we have clients across India and the world.

That said, if you're ever in Tricity, let's meet over a cup of amazing coffee. Trust me, it's magical.

Nope. We don't do stock tips, intraday, or 'hot picks'.

Our entire family corpus is in Mutual Funds, and we're very happy with 12-16% returns over the long term.

We believe in this simple rule:
"Markets reward patience, not predictions."

If you're looking for stock-picking, you're in the wrong place.

Only if you're our client.

A one-time review won't help you. Financial Planning is not a health check-up—it's a lifestyle change.

Think of it like fitness.
One workout won't give you abs.
One investment review won't make you wealthy.

We focus on long-term financial health, not quick fixes.

It depends on who you are and how well you follow the plan.

Historically, mutual funds have given 12-15% p.a. over 10+ years.

Your actual returns will depend on discipline, asset allocation, and patience.

Biggest wealth destroyer? Panic selling when markets drop.

"The stock market is a device for transferring money from the impatient to the patient." – Warren Buffett

We work with:
✅ Business owners
✅ Salaried professionals
✅ NRIs
✅ Retirees

We don't discriminate based on investment corpus, but we specialize in Middle Net-Worth Individuals (MNI)—people who want to build wealth, not just park money.

We don't chase Ultra HNIs (₹10 Cr+ on Day 1) because they rarely follow advice.

"We don't chase HNIs, we create them." – Inspired by Parag Parikh

We started in 2022 with one goal: Honest financial advice, without selling garbage.

Some clients have done amazingly well—because they followed the plan.

Some have missed out big time—because they ignored the process and chased short-term noise (gold, real estate, bad FDs).

Lesson?
Wealth isn't built on the next big thing. It's built on doing the boring, right things for years.

We never touch your money.

Your funds go directly from your bank to BSE Star MF (regulated by SEBI).

We only initiate transactions. You approve every step.

The market can go up or down, but your money will never go to ₹0.

"Your biggest risk isn't the market—it's your own bad financial decisions."

No. Investing in mutual funds is completely online.

✅ Takes 3-5 working days to set up
✅ One-time bank mandate makes future investments seamless
✅ Safe, easy, and paperless

If you're unhappy, you are free to move anytime.

Your investments are in your name, not ours.

Even if Blooming Capital shuts down tomorrow, your funds are 100% safe with the AMC.

We are not some bank that locks you into useless products.

✅ No sales targets. No pressure. No mis-selling.
✅ We invest in the same funds we recommend.
✅ We care about your financial future—not just your money.

"Either we swim together, or we don't do business."

Unlike big firms, we are not chasing bonuses, commissions, or fancy jargon. We are here for real wealth creation.

If you're happy with your current advisor, stay with them.

If you're unhappy, we'll help you understand why so you don't repeat the mistake.

Having multiple advisors is like having multiple fitness trainers—you just get confused and see no results.

We focus on:

Big-picture investing—getting asset allocation right at the right time.
Contrarian ideas—investing where others are scared.
Deep industry discussions with fund managers & experts.
Ignoring market noise—we don't chase daily trends.

"Good investing is boring. If it's exciting, you're doing it wrong."

Biggest value? Helping you avoid big financial mistakes.

✅ Clear financial goals & risk-based investment planning
✅ Right asset allocation
✅ Preventing costly emotional decisions (bad investments, panic selling, unnecessary debt)

For this, we earn around 0.8% p.a..

"Good advice costs money. Bad advice costs a fortune."

We are an AMFI-registered Mutual Fund Distributor.

We invest only in regular plans.

We disclose all commissions upfront—you always know how much we earn.

Transparency isn't just a buzzword for us. It's how we work.

No, because we are not SEBI-Registered Investment Advisors.

We earn through mutual fund commissions, but we are 100% transparent about it.

Blooming Capital is built on trust, transparency, and no-BS financial advice.
If you want quick returns, stock tips, or fancy products, we're not for you.
But if you want a real financial plan that actually works, let's talk.
Because wealth isn't built overnight. It's built right.

Blogs

Blogs

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Our Partners

Our Partners

Ram Chand

Retired Assistant Garrison Engineer (AGE), MES, Govt. of India
After retiring as an Assistant Garrison Engineer from Military Engineering Services, I relied on fixed deposits for security. Iqbal helped me understand how inflation could erode my savings and guided me toward better investment options. Now, I have a well-structured retirement plan that balances safety and growth.

Santosh

Retired Head Teacher, Dept. of Education, Punjab Govt.
After decades in education, I wanted a stress-free retirement. Iqbal helped me restructure my savings, ensuring I had a steady income while protecting my money from inflation. His advice gave me peace of mind for the future.

Rohit Soin

Punjab Police
After my father's insurance claim was rejected, Iqbal helped me get a health policy that actually covered pre-existing conditions. He also guided me in mutual funds with honest, practical advice!

Dr. Gaganpreet

Pediatrician Aster Healthcare, Dubai, UAE
After moving abroad, I needed to update my KYC from Resident to NRI. Iqbal and his team at Blooming Capital made the entire process seamless. What stood out was their transparency—no unnecessary product pushing, just honest financial guidance. No stocks, no trading, no ULIPs—only practical wealth management that actually works. I truly appreciate their professionalism and integrity!

Hamel Goyal

Technical Lead, EY GDS, Gurgaon
I approached Blooming Capital with big investment plans, but Iqbal made me pause and think. Instead of chasing unrealistic returns, he helped me focus on building real wealth with a structured, goal-based approach. No sales gimmicks, no pressure—just honest financial guidance that actually makes sense.

Dr. Gurunam Singh

Urologist, Aster Healthcare, Dubai, UAE
I approached Blooming Capital, ready to invest, but Iqbal did something unexpected—he refused to take my money! Instead of pushing products, he took the time to understand my financial situation and explained why proper planning was crucial before investing. He guided me on securing my family’s future with the right health insurance and long-term wealth strategies. In a world full of sales pitches, finding someone who genuinely prioritizes your financial well-being is rare. Truly honest advice!
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