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About Us

US Financial Services headed by Mani Shankar and Uddeshya Shankar believed in Your Success is our Achievement that has expertise in financial services with one of its core focus on Mutual Funds. MF Investments help you to manage your portfolio very efficiently.

Proper investment guidance leads best result in future. We at US Financial Services proudly known as investment experts. Most investment in stocks, mutual fund, NFO etc are balanced in such as manner that maximum ROI is achieved for the clients.


Investing your money is very necessary in today’s market. Best investment advice can allow you to grow it. This growth allows your money to build, creating wealth over time.


US Financial Services is a one-stop solution for all your financial needs where Company's financials matter the most. We focused on our relationship with the clients by giving them personal attention.


We are very transparent in all our services which is our strong point to make long-term relationship with our customers. Though using one-size fits all strategies may be the common approach, as fiduciaries we specialize in tailoring plans to fit your current situation while laying a foundation to pursue future growth. From providing forward-thinking investments to estate planning strategies, we strive to help promote your total financial independence.


Our Financial Experts

You have questions; we have answers. Our wealth planning provides the means to unify all aspects of your financial life. While providing an overview of the big picture, our team will develop comprehensive strategies that empower you to make educated financial decisions.

Your Financial Goals

At US Financial Services, we specialize in helping our clients gain financial freedom. With industry experience spanning over 4 decades, our team can advise you on a range of objectives, from investment advice and insurance coverage to financial planning and more.

No matter where you are in life—just getting started, investing for the future, or navigating through retirement, our products and services are designed to give you confidence in meeting your financial goals.


Personal Planning

  • Brokerage and Advisory

  • Stocks and Securities

  • Rollovers and Transfers

  • Individual Retirement Account (IRAs) and Roth IRAs

  • Annuities and Lifetime Income Strategies

  • Social Security Planning

  • Financial Planning

  • NSDL / PAN Service

  • E-Mudra ( E-Signature Services )

  • College and Education Planning

Business Planning

  • Employee Sponsored Plans

    • 401(k) Plans

    • 403(b) Plans

    • SEP IRAs


    • Pension Plans

  • Business Succession Planning

    • Identify your business succession goals

    • Retire with an income source

    • Insurance needs such as buy-sell agreements, disability, keyperson

Asset and Risk Management

  • Access to robust investment platform with wide selection of money managers

  • Portfolio construction to align with risk tolerance

Estate Conservation

  • Estate preservation and distribution planning

  • Long-term care plans

  • Life Insurance



Retirement Planning

Whether you’re in the prime of your career, are just a few years away from leaving the workforce, or are already evaluating an early retirement offer, we can help create an investment plan that works towards your long-term goals. Our professionals offer detailed projections of when you can potentially retire, at what level of income, and what rate of return will be necessary to pursue your retirement goals.

Since our inception, we have helped clients effortlessly transition from the working world into retirement. By looking at the whole picture of your life, we can develop a tailor-made plan of action that evaluates pensions, 401(k) plans, savings, stock options, deferred compensation, and other assets to structure a comprehensive or an income stream throughout your future.

Portfolio Planning


Our goal is to constructing and managing client portfolios with a high level of personal service. As a defining feature of our firm, our investment strategies incorporate a rigorous analytical process to assure we understand client priorities and goals. In addition to identifying short and long-term objectives, we will assess your resources and your level of risk tolerance.

We draw upon a broad investment universe to deliver comprehensive investment plans. While providing clients with direct access to top-tier investments, our asset allocation strategies integrate investments into a diversified portfolio that is designed to work towards your long term goals.

Asset allocation does not ensure a profit or protect against a loss.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.

Diversification does not protect against market risk.

Insurance Planning

Growing your wealth is a priority, but protecting and preserving your assets is equally important. Wherever you are in life’s journey, it’s crucial to understand the ramifications of sudden changes and ensure the continued protection of you and your loved ones. Our LPL Financial Advisors will perform a comprehensive review of your insurance needs that strive to protect against potentially catastrophic risks.

By executing full audits of your existing insurance portfolio, our professionals will help you have the proper coverage and asset protection structures in place. We work closely with insurance specialists to provide an independent and objective evaluation of your risk management program.

Estate Strategies*

At its core, wealth transfer isn’t just about money. In addition to your assets, high net-worth individuals want to pass on their most essential and lasting values to their children, grandchildren, and great-grandchildren. Our focused approach to multi-generational wealth management respects the importance of sustaining your legacy.

Have confidence that your most cherished assets will reach the people and places you hold dear. Our strategic plans help ensure your estate plans address your financial goals well beyond your lifetime. As your LPL Financial Advisors, we will work with you to help address tax advantaged strategies, coordinate your documentation, provide for charitable entities and more. No matter where you are in life, we will be here to understand and harmonize your financial needs for you and your loved ones.



At US Financial Services, we unite the access and resources of leading institutional firms with the personal attention of a boutique practice. Put another way, we’re Wall Street-forged, but Main Street-focused. Whatever you hope to achieve, our mission is to deliver strategies that empower you to live the life you always imagined. We work as a

team to understand your unique goals and provide answers to your most significant questions:

When can I retire? Do I have enough saved? What is enough? Will my family be okay?
What will my legacy be? Will I have enough money to send my children to college?

Whether you’re in the heart of your career, approaching retirement, or already retired, we can give you the tools to answer those questions.

To maintain our exceptional service, we place a premium on accessibility and make ourselves available to you, your family, and your business at your convenience. Communication is paramount to successful relationships. We understand that personal situations and goals can change overnight, and we strive to provide the assurance that we’ll be here whenever you need us. As your strategic partner, we won’t just counsel you from afar. We’ll walk beside you every step of the way.



Independence. Integrity. Trust.

Independence is everything. Free from the constraints of outside interests, our firm operates exclusively on your behalf. By emphasizing process before products, our client-driven focus enables us to pursue your goals as if they were our own.

Integrity empowers us to provide truly objective advice and build strategies to pursue your goals. While financial products may come and go, trusted relationships and custom strategies should stay the course. That’s why we create comprehensive and flexible financial strategies that address the needs of today while laying the foundation for tomorrow. We believe your goals, business commitments, and family situation deserve comprehensive strategies that are customized to you and adaptable to change. When your life evolves, so should your strategies.

As a team, we will walk beside you through all stages of life’s journey. Whether celebrating successes or navigating uncertain markets, we will work diligently to help you stay on the path toward financial freedom.


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Mobile App

Manage your wealth & track your family’s portfolio with one single login. You can easily and quickly invest in Mutual Funds from the app. Explore funds, view their performance and invest. Start an SIP or invest Lumpsum. Check out our recommendation of funds under Focused Funds. Whether you made profits or loss, check out from the reports. Simply Login and setup a 4 digit PIN for subsequent login so that you don’t need to enter your Username & Password every time. Download Now!

Mutual Funds

A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. It is essentially a diversified portfolio of financial instruments - these could be equities, debentures/bonds, or money market instruments. The corpus of the fund is then deployed in investment alternatives that help to meet predefined investment objectives. The income earned through these investments and the capital appreciation realised are shared by its unit holders in proportion to the number of units owned by them. Thus a Mutual Fund is a suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost.

You could make money from a Mutual Fund in three ways:

  • Income is earned from dividends declared by Mutual Fund schemes from time to time

  • If the fund sells securities that have increased in price, the fund has a capital gain. This is reflected in the price of each unit. When investors sell these units at prices higher than their purchase price, they stand to make a gain

  • If fund holdings increase in price but are not sold by the fund manager, the fund's unit price increases. You can then sell your Mutual Fund units for a profit. This is tantamount to a valuation gain

  • What are the different types of Mutual Funds?

Mutual Fund schemes may be classified on the basis of their structure and their investment objective.

  • By structure

Open-ended Funds

  • An Open-ended Fund is one that is available for subscription all through the year. These do not have a fixed maturity. Investors can conveniently buy and sell units at Net Asset Value (NAV) related prices.

  • Close-ended Funds

  • A Close-ended Fund has a stipulated maturity period, which generally ranges from 3 to 15 years. The fund is open for subscription only during a specified period. Investors can invest in the scheme at the time of the new fund offer and thereafter they can buy or sell the units of the scheme on the Stock Exchanges, if they are listed. The market price at the stock exchange could vary from the scheme's NAV on account of demand and supply situation, unit holders' expectations and other market factors.

  • By investment objective Growth Funds

  • The aim of Growth Funds is to provide capital appreciation over the medium to long term. Such schemes normally invest a majority of their corpus in equities. Growth schemes are ideal for investors who have a long-term outlook and are seeking growth over a period of time.

Income Funds

  • The aim of Income Funds is to provide regular and steady income to investors. Such schemes generally invest in fixed income securities such as bonds, corporate debentures and Government securities.

  • Income Funds are ideal for capital stability and regular income. Capital appreciation in such funds may be limited, though risks are typically lower than that in a growth fund.

  • Balanced Funds

  • The aim of Balanced Funds is to provide both growth and regular income. Such schemes periodically distribute a part of their earning and invest both in equities and fixed income securities in the proportion indicated in their offer documents. This proportion affects the risks and the returns associated with the balanced fund - in case equities are allocated a higher proportion, investors would be exposed to risks similar to that of the equity market.

  • Balanced funds with equal allocation to equities and fixed income securities are ideal for investors looking for a combination of income and moderate growth.

  • Money market Funds

  • The aim of Money Market Funds is to provide easy liquidity, preservation of capital and moderate income. These schemes generally invest in safer short-term instruments such as Treasury Bills, Certificates of Deposit, Commercial Paper and Inter-Bank Call Money. Returns on these schemes may fluctuate depending upon the interest rates prevailing in the market.

  • These are ideal for corporate and individual investors as a means to park their surplus funds for short periods.

  • Other equity related schemes

Tax saving schemes

  • These schemes offer tax rebates to the investors under specific provisions of the Indian Income Tax laws, as the Government offers tax incentives for investment in specified avenues.

  • Investments made in Equity Linked Savings Schemes (ELSS) and Pension Schemes are allowed as deduction under Section 88 of the Indian Income Tax Act, 1961.

  • Index schemes

  • Index Funds attempt to replicate the performance of a particular index such as the BSE Sensex or the NSE S&P CNX 50.

  • Sectoral schemes

  • Sectoral Funds are those which invest exclusively in specified sector(s) such as FMCG, Information Technology, Pharmaceuticals, etc. These schemes carry higher risk as compared to general equity schemes as the portfolio is less diversified, ie restricted to specific sector(s) / industry (ies).

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Market Views

What is SIP, and why should you invest in it?


Most of us may not have a detailed idea of what SIP is in mutual funds. SIP, short form for Systematic Investment Plan, is an investment strategy in which an investor regularly invests a fixed amount of money in a mutual fund scheme. This blog provides a brief overview of SIP, its potential benefits, how it works, and why it can be a good investment option for long-term wealth creation.


What is SIP investment?


SIP investment is a method of investing an amount periodically in a mutual fund scheme of your choice. SIPs can be made either monthly, quarterly, or yearly, and the amount can be as low as ?100 per month. This investment approach is designed to help investors avoid timing the market and take advantage of disciplined investing, eventually resulting in compounding.


SIPs offer several benefits, such as averaging out the cost of buying units, disciplined investing, flexibility, and convenience. If planned properly and in advance, they may prove to be a great option for long-term wealth creation and help in achieving financial goals such as buying a house, saving for retirement, or children's education.


In the rest of this blog, we will explore how SIPs work, the potential benefits of SIPs, how to invest through SIP, the different types of SIPs, the difference between SIP and lumpsum, and factors to consider while investing by way of SIP. By the end of this blog, you will comprehensively understand SIP's meaning and how it works. This can help you to make informed investment decisions for your financial future.


How does SIP work?


Since we now know SIP meaning, we will try to understand how it works. As an investor, one needs to understand thoroughly their goal of investment and also their own risk appetite. Once this is clear, one has to research and find a sync in investment ideology with a particular scheme. Once the investment options are finalized, define the period and the frequency of investment, which can be, say, on a monthly basis. The investment is deducted automatically from the investor's bank account at the predefined frequency and invested in the mutual fund scheme. The invested amount is used to purchase units of the mutual fund scheme at the prevailing Net Asset Value (NAV). Over time, this strategy helps in averaging out the cost of investment and reducing the impact of market volatility on the overall returns.


Benefits of SIPs


In the ever-evolving markets, SIP still continues to be a popular investment choice because of the benefits that it offers. Below is the list of potential benefits of SIP investment.


  • Power of Compounding: Theoretically, the power of compounding in SIP refers to where the generated returns, if any, on the invested amount are reinvested and added to the investment amount, and over time, this, in a way, grows the investment portfolio.


  • Rupee Cost Averaging: SIP enables investors to benefit from rupee cost averaging, which refers to the practice of investing a fixed amount at regular intervals, irrespective of market conditions, which averages out the cost of investment and helps reduce the impact of market volatility on the investment returns over time.


  • Flexibility: SIP offers flexibility in terms of the amount to be invested and the duration of the investment, allowing investors to customize their investment strategy as per their financial goals and risk appetite. Many mutual funds now offer the option of Smart SIP; the investment amount differs based on market valuations.


How to invest in SIP?


  • Complete your KYC: To invest in mutual funds, one needs to complete their KYC. KYC can be done while investing by providing pan card details & address proof like an Aadhar card and such other details as may be requested at the time of making the investments.


  • Identify your financial and investment goals: Determine your investment goal and the amount of money that needs to be invested regularly. It is important to choose an SIP that suits both your investment goals and risk appetite.


  • Select the suitable Mutual Fund Scheme: Based on the selected investment goal, choose a mutual fund scheme that aligns with your financial objectives, risk tolerance, and investment horizon. You can evaluate mutual fund schemes based on their performance history, asset allocation, and fund manager expertise. Investors can also invest to save on tax by investing in various mutual fund schemes. However, it must be understood that past performance is no guarantee of future returns.


  • Select the investment frequency: Decide on the frequency of your investment and the amount to be invested. You can choose to invest in SIP monthly, quarterly, or annually at your convenience. Besides, an investor can also decide on what should be the investment amount and how much return it can help generate. Here, he can take the help of an SIP calculator, which is essentially a simple tool to estimate the returns of investment


Once you have completed these steps, you can initiate your SIP investment by submitting the necessary documents/details and providing your bank account details to start investing in the chosen mutual fund scheme.


Different types of SIP


Since we now know what SIP is, the benefits of SIP investment, and how it works, we will try to understand the various types of SIPs available. Below is the list:


  • Fixed SIP: In this type of SIP, the investor invests a fixed amount of money at regular intervals, such as monthly, quarterly, or annually.


  • Top-up SIP: This type of SIP allows investors to increase their investment amount at regular intervals. For example, an investor may start with a monthly SIP investment of ?5,000 but can choose to increase it by 10% after a year.


  • Perpetual SIP: This type of SIP allows investors to invest in mutual fund schemes for an indefinite period of time. The investor can choose to stop investing at any point in time.


  • Flexible SIP: This type of SIP allows investors to invest varying amounts at different intervals. For example, an investor may choose to invest ?10,000 one month but only ?5,000 the next month.


What is the difference Between SIP and Lumpsum?

SIP & Lumpsum are the two most popular ways of investing in mutual fund schemes. SIP, short form for Systematic Investment Plan, is a method of investing a fixed amount of money at regular intervals. At the same time, Lumpsum, also known as, One-time purchase, refers to investing a large sum of money in one go.


Factors to consider while investing via SIP


SIP investment requires careful consideration of several factors to make it a fruitful choice. Here are the most important factors to consider while investing through SIP:


  • Performance of the Scheme: Analyzing the performance/past performance of a mutual fund scheme is critical before investing in it. Investors should check the fund's track record in terms of returns, volatility, and consistency. A scheme's performance can also be analyzed as regards to its benchmark index. However, it must be understood that the past performance may or may not be sustained in future, and the scheme performances may vary depending upon the market conditions.


  • Analyze the risk appetite: All investments come with some level of risk, and SIP is no different. Hence, it is important to understand the risk involved in the scheme before investing. Investors should evaluate the fund's risk profile based on factors such as asset allocation, portfolio composition, and the fund manager's investment style. This analysis can help investors determine whether the risk-reward trade-off is acceptable for them.


  • Identify the goal and duration: The primary purpose of investing via SIP is to achieve a financial goal, such as buying a house or saving for retirement. Hence, investors must determine their financial goals and the time horizon for achieving them. This information will help them choose a scheme that aligns with their investment objectives and matches the investment duration.


To sum up, what is SIP investment? SIP is a long-term investment option, and investors may invest in a fund that syncs essentially with their investment goals and risk profile. Investing via SIP requires discipline and patience, and investors should not get swayed by short-term market movements. By considering the above factors, investors can make informed decisions, and it can help them achieve their investment goals. An investor should always keep in mind that mutual fund investments are subject to market risks, and past performance is not a guarantee of future returns.


Frequently Asked Questions


How much money do I need to start an SIP?


One can start with SIP basis their own risk appetite and the ability to invest. The minimum SIP instalment is based on the mutual fund scheme selected. It can start from as low as ?100 per month.


Can I stop or change my SIP investment at any time?


An investor can stop or modify the SIP as per their requirements at any point in time. The user can log in to their mutual fund account, like Kotak Mutual Fund account, through their credentials and select the SIP which needs to be cancelled.


What is the power of compounding?


Theoretically, compounding means the returns generated, if any, on investments get added back to the investment amount.  So the interest earned, if any, is then calculated on the new investment amount, which is the originally invested amount, along with the returns earned, if any, on the same.


What is the difference Between SIP and Lumpsum?


SIP & Lumpsum are the two most popular ways of investing in mutual fund schemes. SIP, short form for Systematic Investment Plan, is a method of investing a fixed amount of money at regular intervals. At the same time, Lumpsum, also known as, One-time purchase, refers to investing a large sum of money in one go.



The document is not intended for distribution to or use by any person in any jurisdiction where such distribution would be contrary to local law or regulation.  The distribution of this document in certain jurisdictions may be restricted or totally prohibited, and accordingly, persons who come into possession of this document are required to inform themselves about and observe any such restrictions.


The document includes statements/opinions which contain words or phrases such as "will", "believe", "expect" and similar expressions or variations of such expressions that are forward-looking statements. Actual results may differ materially from those suggested by the forward-looking statements due to risks or uncertainties associated with the statements mentioned with respect to but not limited to exposure to market risks, general and exposure to market risks,  general economic and political conditions in India and other countries globally, which may have an impact on services and/or investments, the monetary and interest policies of India, in?ation, de?ation, unanticipated turbulence in interest rates, foreign exchange rates, equity prices or other rates or prices etc.


Past performance may or may not be sustained in future.  Kotak Mahindra Asset Management Company Limited/ Kotak Mahindra Mutual Fund is not guaranteeing or forecasting any returns/future performance. SIP does not guarantee of any profit/loss in declining/upward markets. Investors may consult their financial advisors and /or tax advisors before making any investment decisions.


Mutual fund investments are subject to market risks, read all scheme related documents carefully.

Dear All,


Please click here for Monthly Equity & Debt Outlook Presentation – July 2022.


Key Events for the Month of June 2022:


  • Nifty (-4.8%) corrected sharply, as the markets got worried due to hawkish Fed and recession concerns
  • The S&P 500 and Nasdaq corrected ~8%
  • The World Bank cut India's economic growth forecast for the current fiscal to 7.5% as rising inflation, supply chain disruptions and geopolitical tensions taper recovery 
  • RBI's MPC decided to hike the Policy Repo Rate by 50 bps to 4.9% in its June meeting
  • Gross NPA ratio of banks fell to six-year low of 5.9% in March: RBI
  • The CPI inflation rate for May 2022 cooled from the 8 year high in April and came in at 7.04% on the back of the base effect while WPI inflation surged to a record high of 15.88% in May
  • GST revenue collection for June was at Rs 1.44 lakh cr; up 56% year on year
  • Manufacturing PMI weakens to 53.9 in June due to rising input costs, inflation concerns
  • FIIs continued being net sellers in the month of June 2022 and were net sellers to the tune of -$6.4bn even as DII buying continued at +$5.9bn
  • Brent Crude was extremely volatile and touched ~$125/ barrel before correcting ~$110/ barrel

Dear All,

Please click here for Highlights of RBI’s Monetary Policy | June 2022.

Key Highlights:

  • MPC votes unanimously to hike repo rate by 50bps to 4.90%
  • The MPC has dropped the phrase “remain accommodative” from the stance
  • RBI increases FY23 inflation forecast by 100 bps to 6.7%
  • RBI retains FY23 GDP outlook at 7.2%
  • RBI is likely continue to withdraw excess liquidity in a calibrated manner over a multi-year time frame
Introducing Kotak Multi Asset Allocation Fund
05/09/2023 14:55:35
Introducing Kotak Multi Asset Allocation Fund by Mr. Nilesh Shah (Hindi)
05/09/2023 14:55:24
Introducing Kotak Multi Asset Allocation Fund by Mr. Nilesh Shah | Load It. Latch It. Leave It.
05/09/2023 14:55:13

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Email usfinancialservices.mfp@gmail.com
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Bihar - 842001
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