About VCap Money

VCap Money is recognized as one of Eastern India’s most trusted and fastest-growing Wealth Management and Financial Advisory firms, dedicated to empowering individuals, families, and businesses with intelligent, research-driven, and holistic financial solutions. With a strong legacy of service excellence and market expertise, we cater to the evolving financial needs of more than 45,000 clients across Bihar, Jharkhand, and West Bengal.

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45,000+
Happy Clients
₹500 Cr+
Assets Under Management
15+
Years of Excellence
50+
Investment Options

Ready to Transform Your Financial Future?

To secure your financial future, we start by understanding your current net worth and then work together to define your personal goals—whether they’re short-term needs or long-term dreams. We calculate how much you’ll need, when you’ll need it, and factor in inflation so your plans stay realistic. Based on your comfort with risk, income, and responsibilities, we help you choose the right investment mix across equity, debt, real estate, and more. Our goal is to create a plan tailored uniquely to you. Ready to Transform Your Financial Future?

Financial Goals

Our Products & Services

Comprehensive financial solutions across five key categories

WEALTH MANAGEMENT

  • ✓ Financial Planning
  • ✓ Family Wealth Boutique
  • ✓ Investment Banking
  • ✓ Wealth Creation Formula
  • ✓ VCap - ONE

INVESTING

  • ✓ Equity Advisory
  • ✓ Derivative Strategy
  • ✓ Mutual Fund
  • ✓ PMS & AIF
  • ✓ Commodity
  • ✓ IPO
  • ✓ FD & Debt
  • ✓ Bonds

LENDING

  • ✓ Loan Against Equity
  • ✓ IPO Funding
  • ✓ Loan Against Properties
  • ✓ Business Loan (SME's)
  • ✓ Loan
  • ✓ Debt Restructuring

PROTECTING

  • ✓ Health Insurance
  • ✓ Life Insurance
  • ✓ Motor Insurance
  • ✓ Business Risk Insurance
  • ✓ Insurance Advisory
  • ✓ Umbrella Insurance

CONSULTING

  • ✓ Management Consulting
  • ✓ Corporate Restructuring
  • ✓ Tax Consulting
  • ✓ People Consulting
  • ✓ Business Process Consulting

Thumb Rule of Investing

Time in the market matters more than timing the market.Small, consistent investments over time create powerful compounding effects.

Start Early & Stay Invested

72 ÷ interest rate = the number of years it will take to double your money

100 Minus Age Rule

Decide your equity–debt mix using this simple formula.
Equity Allocation = 100 – Your Age
Age 30 → 70% Equity / 30% Debt
Age 50 → 50% Equity / 50% Debt
This helps balance growth and stability.

Rule of 72

Estimate how fast your money doubles.
Time to Double ≈ 72 ÷ Annual Return(%)
At 12% return → doubles in 6 years.

Invest in What You Understand

Avoid complex products you can’t explain. Clarity is more valuable than hype.

SIP & Diversify

Use Systematic Investment Plans (SIPs) to invest regularly.

Diversify across asset classes (equity, debt, gold, real estate) and sectors.Don’t put all your eggs in one basket.

Emergency Fund First

Always keep 3–6 months’ expenses in liquid assets before investing aggressively. It protects you during emergencies.

Risk–Return Balance

Every investment should serve a clear purpose and timeline:
Short term (1–3 yrs): Debt/Liquid
Medium term (3–7 yrs): Hybrid
Long term (7+ yrs): Equity-heavy

Stay Calm During Volatility

Markets fluctuate — that’s normal. Don’t make emotional decisions based on short-term movements.

Review & Rebalance Regularly

Revisit your portfolio annually or when allocations deviate significantly. Book profits, control risk, and stay aligned to goals.

Remember

“Investing is not about being clever. It’s about being consistent.”

Get In Touch

📞

Phone

0651-2331900/01

📱

Mobile

+91 94711 90117
+91 94711 90119
+91 94711 90120
+91 94303 42599
+91 94711 33334

✉️

Email

care@vcapmoney.com
vikash@vcapmoney.com

📍

Office

VCap Money
Exclusive Business Partner,
Motilal Oswal Financial Services Limited,
HO: GEL Church Complex, Office no. 10 & 11 AB,
3rd floor, Main Road, Ranchi - 834001, Jharkhand.

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