Gratuity Fund Investment Support — Compliant. Tracked. Reported.
Advisory and monitoring support for deploying a gratuity trust's corpus in line with the investment pattern applicable to approved funds.
Book Free ConsultationAn approved gratuity fund cannot invest its corpus freely - the Income-tax Rules prescribe the categories of instruments an approved fund can invest in, and deviating from this pattern can jeopardise the fund's approval.
At N D Savla & Associates, we support trustees of gratuity trusts in Nashik and across Maharashtra in keeping the fund's investments within the prescribed pattern, and in tracking and reporting on how the corpus is deployed.
Investment decisions are usually taken by trustees or through an insurer, but the responsibility for staying within the prescribed pattern rests with the trust. We help trustees monitor this on an ongoing basis rather than discover a deviation at audit.
Our Services
Investment Pattern Advisory
Advising trustees on the categories and limits applicable to investment of the fund's corpus.
Portfolio Compliance Review
Reviewing the fund's existing portfolio against the prescribed investment pattern.
Deployment Planning
Planning deployment of fresh contributions or maturity proceeds within the applicable pattern.
Insurer-Managed Fund Monitoring
Monitoring investment reporting where the corpus is managed through an insurer's fund options.
Deviation Correction
Identifying and correcting any deviation from the prescribed investment pattern.
Periodic Reporting to Trustees
Preparing periodic reports to trustees on the fund's investment position and returns.
Documentation for Audit
Maintaining investment documentation in a form that supports the trust's annual audit.
Coordination with Fund Managers
Coordinating with banks, insurers or fund managers holding the trust's investments.
Our Process
Portfolio Review
The fund's current investment portfolio is reviewed against the pattern applicable to approved funds.
Gap Identification
Any deviation from the prescribed pattern or concentration risk is identified.
Deployment Plan
A plan for deploying fresh contributions and correcting any deviation is prepared for the trustees.
Ongoing Monitoring
The portfolio is monitored periodically as further contributions and maturities arise.
Reporting & Audit Support
Investment records are maintained and reported in a form ready for the trust's annual audit.
Why It Matters
Frequently Asked Questions
Need to review your gratuity fund's investments?
Send us the current portfolio - we'll check it against the prescribed pattern and flag anything to correct.
