“It's been around 2 years since I began investing with Germinate. They've always been very clear with their recommendations and the rationale behind it. They have also helped me understand my goals and build my portfolio accordingly. The team has been very prompt in addressing any concerns I have. I am confident that my investments are in the best possible hands"

My experience of working with the folks at Germinate Investor Services has always been a positive one. Ayappa’s service acumen shown to his clients combined with his vast product knowledge gave me a lot of comfort in knowing that my personal interests were in good hands. As someone who came in with a fragmented investment portfolio, Ayappa was not only able to profitably restructure it for me, he also gave me the confidence of being more in control than I ever was. Ayappa’s holistic approach gave me a lot of comfort in knowing he had deep sense of understanding of my short & long term goals and I feel confident that I am well on my way to achieving them, notwithstanding the macro factors that could play into it of course. Given how personally invested the team is at all times, everyone I have recommended them to as well has only shared positive feedback in return.

When I realised that I'm at a point where I'd like to begin to invest in the market, I always had it in mind that I'd prefer to work with a company that's Smart, Reliable, Compelling and Efficient. That's when I partnered with Germinate Investor Services.

‘Smart’ would for me mean or refer to the team being at a level wherein anyone that i interact with would have my queries or problems addressed. ‘Reliable’ for me was of great importance, I needed to know how successful they were at what they do, how transparent they were going to be with me. ‘Compelling’ is because for me personally I need that extra push to part with my money, the team at Germinate always encourages and knows the right time and right opportunities. ‘Efficient’ , I needed a team with high level of efficiency, for them to be my financial partners.

Germinate have time and again proved to me that they're, Smart, Reliable, Compelling and Efficient and with that special personal touch that they bring to the table, once you work with them, they'd look out for you like you're a family member. Partner with Germinate Investor Services, it's worthwhile!

“I have been associated with Germinate for the past 2 years for my investment needs. They truly understand your financial goals and offer the right products to invest in. I truly appreciate Sandeep’s commitment to promote financial awareness and he has not only helped to create a wealth portfolio to achieve my financial goals but also my life goals through structured investments. I highly recommend Germinate and their Investment services and hope all investors like me get benefited.”

“As a freelance musician with a fluctuating income, I had limited to no knowledge on savings and investments. At Germinate Investor Services, Sanjay Jayakumar, introduced me  to mutual funds and thus I charted an investment portfolio for myself. Sanjay has always been accessible to answer all my questions and has kept me well updated on my returns. It’s been three years since my first investment and I’m looking forward to many more as I watch my money grow.”

“I am kind of new to investments, honestly it's really a risky business, but high risk equals high gain right? All though my company deals with high risk market on a day to day basis, I had no intentions to invest my money in a high risk market but Germinate kind of gave me the confidence about Mutual Funds. They were very patient and explained the entire risks and returns of the products. This encouraged me to realise my financial goals. They are always available and reachable at any point of time, their response team is very quick and I like to give a big thanks to Germinate team especially Sandeep. This is coming from a person who is never invested, never saved up and I started my investment with Germinate and I couldn’t be happier.”

“I was completely new to the world of investments, especially accessing the stock markets. I was keen to know more and how to invest my passive savings. I am glad to have met Santosh from Germinate and begin investing for myself and my family. From investing to save on taxes to being a long-term investor, with monthly discipline to invest. I enjoy my journey of knowing, learning and investing, it’s like learning a new life skill for me. I would recommend someone who is curious like me, to consider meeting Santosh before they venture on their own.”