_edited.png)
BTW Financial Services & IMF
Pvt. Ltd.
At BTW Financial Services & IMF, we simplify insurance and investment planning to safeguard your future. Whether you're looking for health, life, car, or travel coverage, or seeking expert guidance on mutual funds, our team is here to help you make informed decisions with confidence.
Empowering Financial Freedom with Trust, Transparency, and Technology
Our Vision
To become India's leading financial advisory firm, empowering individuals and businesses to achieve financial security and prosperity.
-
Industry leadership in financial services
-
Empowering clients through expert guidance
Our Mission
To provide transparent, client-focused financial guidance that simplifies complex decisions. We offer innovative solutions in mutual funds, insurance, and strategic planning.
-
Transparent and personalized advisory services
-
Innovative solutions for diverse financial needs
Our Vision
To become India's leading financial advisory firm, empowering individuals and businesses to achieve financial security and prosperity.
-
Industry leadership in financial services
-
Empowering clients through expert guidance
.png)
Our Mission
To provide transparent, client-focused financial guidance that simplifies complex decisions. We offer innovative solutions in mutual funds, insurance, and strategic planning.
-
Transparent and personalized advisory services
-
Innovative solutions for diverse financial needs
Licensed By
IRDA License
AMFI License
Startup India
IRDA No: IMF074901202406490 | ARN No: 282372 | Startup India - Certificate No: DIPP144064
Trusted Financial Advisors with a Client-First Approach
We are a team of dedicated financial advisors who upholds the highest standards of professionalism, unwavering integrity, and embraces an innovative culture. We excel at providing a range of financial products and services to meet the needs of our clients.
-
Trusted Advisors
-
Personalized Solutions
-
Client-Focused Approach
2+
Years Experience
5000+
Happy Clients
₹100Cr+
Assets Managed
30+
Financial Experts
Financial Services We Offer
Choose the protection that suits your life
Life insurance is essential for protecting your family’s financial future. It provides a safety net by ensuring your loved ones receive financial support if something happens to you. People choose life insurance to cover important costs such as outstanding loans, children’s education, and everyday expenses, helping maintain their family’s lifestyle even after they are gone.
Health insurance helps cover the cost of medical care, ensuring you get the treatment you need without financial stress. A good health insurance plan includes hospitalization, medicines, and sometimes even preventive care. With rising medical costs, having health insurance is essential for every individual and family.
Vehicle insurance provides financial protection against accidents, theft, or damage. Car insurance covers private four-wheelers, while bike insurance is for two-wheelers. Both types offer third-party liability and comprehensive coverage . Insurance helps cover repair costs, medical bills, or legal issues, giving peace of mind and financial safety on the road.
Travel insurance protects you from unexpected risks like trip cancellations, lost luggage, or medical emergencies while traveling. It offers peace of mind and financial support if problems arise during your journey. Especially for frequent travelers, having travel insurance before leaving is important to avoid costly surprises and ensure a safer, stress-free travel experience.
A financial advisor guides you in managing money wisely, suggesting options like mutual funds and shares. Mutual funds offer diversified, professionally managed investments ideal for lower risk. Shares provide ownership in companies with higher risk and reward. Based on your goals and risk tolerance, an advisor helps choose the right mix to grow your wealth effectively.
Why Choose BTW IMF ?
We provide exceptional financial solutions to help you achieve your goals. Here's what sets us apart:
Expert Guidance
Our team offers personalized advice to align with your financial aspirations.
Comprehensive Solutions
We provide a full range of services, from insurance to mutual funds.
Customer-Centric Approach
Your satisfaction is our priority, and we go the extra mile for you.
Proven Track Record
With years of experience, we are trusted for our reliability and excellence.
Life at BTW IMF
Best Value Insurance and Financial Products
BTW Financial Services & IMF Pvt Ltd is a trusted Insurance Agency offering a wide range of insurance solutions. We specialize in travel insurance, providing coverage for medical emergencies, trip cancellations, baggage loss, and more. Our team ensures reliable, flexible plans for individuals, families, students, and corporate travelers. With a focus on clear guidance and genuine service, we help clients travel with confidence and peace of mind.
Discover our comprehensive range of insurance products that suit your needs
What Our Clients Say
I had an excellent experience with Mr. Abhishek from BTW Visa Services while securing travel health insurance for my family’s Schengen Visa. The entire process was smooth and efficient, with clear explanations of the available coverage options. I highly recommend their services for anyone looking for peace of mind during their travels!
I contacted BTW earlier for Ticketing and then for US Travel Insurance purpose. The experience was very nice. Abhishek from Insurance team helped aptly with various options and optimizing the offering. Very nice experience!
Good Luck to Abhishek and BTW Team.
One of best service to get your visa done, they have transparency and they are doing it at affordable price. Also Mr Abhishek helped me in getting travel insurance. He shared all the required details in no time and process was hassle free. Good Job Team!
Our Team
Thane Team
Dadar Team
Lower Parel Team
Our Insurance Partners
Why Work with Us ?
Growth Opportunities
Career Advancement and skill development
Inclusive Culture
Diverse and supportive work enviroment
Competitive Benefits
Attractive compensation and benefits package
Work-Life Balance
Flexible policies that respect personal time
Our Locations
Where to Find Us
Pune Office
Head Office
33/15, Prashant Bunglow, Opp Garware College,
Karve Road, Pune – 411004
Email: info@btwimf.com
022 4526 0380 / 022 6953 3400
Mumbai Office
Correspondence Address
Office No 402, 4th Floor, Marathon Icon,Ganpat Rao Kadam Marg,Lower Parel, Mumbai – 400013
Email: info@btwimf.com
022 4526 0380 / 022 6953 3400
Frequently Asked Questions
Find answers to common questions about our services
-
What is the duration of the courses?Sandwich Diploma: 9 months, Capsule Course: 3 months, Fast Track Training: 1 month
-
Who can enroll in these courses?Candidates who have completed their 12th grade are eligible for most courses.While 10th pass students can apply, they must be over 18 years old at the time of internships and placements, as per industry requirements.
-
What are the fees for the courses?The fee structure varies depending on the course. For detailed information on fees, it's best to contact the institute directly at Phone: +91 8446060517 / 8446060518, Email: info@travindinstitute.com
-
Is there a placement guarantee?While 100% placement is not guaranteed, Travind offers comprehensive placement assistance.They have partnerships with over 200 companies and have successfully placed more than 300 students.
-
What is Travind Institute?Travind Institute is a premier training and education center focused on travel, tourism, and aviation-related courses. We provide industry-relevant certification programs to help students build successful careers in the travel and tourism industry.
-
Are internships paid?Yes, Travind arranges paid internships for students, with stipends typically starting at ₹5,000 per month.This provides students with practical experience and financial support during their training.
-
What are the potential job opportunities after completing the course?Graduates can pursue careers in various sectors, including: Travel agencies, Airlines and aviation, Tourism boards, Tour operators and guides, Hospitality and event planning, Corporate travel management, Cruise industry
-
What courses does Travind Institute offer?Travind provides a range of specialized travel and tourism programs, including: Sandwich Diploma in Travel & Tourism (9 months), Capsule Course (3 months), Fast Track Training (1 month), International Tour Manager, Entrepreneurship in Tourism
-
What is the Sandwich Diploma course?The Sandwich Diploma is a unique 9-month program that combines: Classroom theory, On-the-job training, Paid internship. This integrated approach provides students with hands-on experience and industry exposure.
-
What is the IATA certification, and how does it benefit students?IATA (International Air Transport Association) certification is a globally recognized credential in the travel industry.Students who pass the IATA exam gain worldwide job opportunities and, if they rank first in India, receive a certificate directly from IATA.
-
What are your minimum order quantities (MOQs)?Our MOQs vary depending on the product type. For bulk exports, it usually starts from one full container load (FCL). Smaller shipments can be discussed based on availability.
-
What payment methods do you accept?We accept payments via bank transfers (SWIFT/NEFT/RTGS), Letters of Credit (L/C), and other standard international trade payment methods.
-
How is product quality maintained during transit?We use food-grade packaging and partner with reliable logistics providers to ensure products reach our clients fresh and contamination-free.
-
What certifications do your products and facilities hold?Our products are processed in facilities certified with ISO 9001:2015, FSSAI, APEDA, and other export licenses, ensuring compliance with international quality standards.
-
What types of products do you supply?We specialize in the export of high-quality Indian agro-products including spices, pulses, grains, fruits, vegetables, oilseeds, dry fruits, herbs, beverages, and dehydrated products.
-
Can you provide samples before placing a bulk order?Yes, we offer product samples to help clients evaluate quality before committing to a larger order. Shipping charges may apply.
-
Do you offer customized packaging solutions?Yes, we provide customized packaging based on client requirements including bulk, retail, and private labeling.
-
Which countries do you export to?We export to multiple countries across Europe, the Middle East, Asia, and North & South America. We are open to expanding into new markets as well.
-
How can I place an order or request a quotation?You can contact us via email at sales@pisumfoods.com (domestic) or export@pisumfoods.com (international), or submit your inquiry via our website https://pisumfoods.com
-
What is your lead time for delivery?Delivery timelines depend on product type, quantity, and destination. Typically, it ranges from 2 to 4 weeks after order confirmation and receipt of advance payment.
-
What are their business hours?Their offices operate from Monday to Saturday, 9:00 AM to 7:00 PM. They are closed on Sundays.
-
Do I need a visa for international travel, and does Journey Cart Holidays assist with it?Yes, most international destinations require a visa for Indian passport holders. Journey Cart Holidays provides visa assistance services, including documentation support, appointment scheduling, and guidance throughout the application process.
-
What payment methods are accepted?They accept both online and offline payment methods, including bank transfers, credit/debit cards, and cash payments at their offices.
-
What destinations do they cover?They offer packages to a wide array of domestic and international destinations, including: Domestic: Goa, Kerala, Rajasthan, Himachal Pradesh, Andaman & Nicobar, Sikkim, Jammu & Kashmir, Odisha, Delhi, and more. International: Thailand, Singapore, Malaysia, Dubai, Maldives, Australia, New Zealand, Switzerland, Spain, South Africa, and many others.
-
What types of travel services do they offer?Journey Cart Holidays provides a wide range of services, including: Domestic and international tour packages, Air ticketing, Hotel bookings, Cruise packages, Rail passes (e.g., Eurail), Visa assistance, Travel insurance
-
What is their cancellation policy?Journey Cart Holidays provides a customer-friendly cancellation policy. For specific details, it's recommended to contact them directly or refer to the terms and conditions provided during booking.
-
Can I customize my holiday package?Yes, Journey Cart Holidays specializes in tailor-made itineraries to suit individual preferences, budgets, and group sizes.
-
Where are their offices located?Journey Cart Holidays has branches in: Pune (Head Office): 33/15, Prashant Building, Opp Garware College, Karve Road, Pune 411004 Pimpri: B/17, Mahalaxmi Height, Behind Pimpri Central Mall, Morvadi Pimpri, Pune 411018 Ahmedabad: F-03, Sahajanand Complex, Near Associate Petrol Pump, C G Road, Ahmedabad 380006 Mumbai: 282, Khandke Building, Office No. 21, 2nd floor, Shahid Bhagat Singh Road, Fort Market, Near Sher-e-Punjab Hotel, Mumbai- 400 001
-
How can I book a holiday package with Journey Cart Holidays?You can book a package by: Visiting their official website: journeycartholidays.com Calling their Pune office at +91 9503776369 or 020 49027000 Sending an email to inquiry@journeycartholidays.com
-
Do they provide travel insurance?Yes, Journey Cart Holidays offers travel insurance options to ensure a safe and secure journey for their clients.
-
What is the difference between a tourist visa and a student visa?A tourist visa is for short-term travel and leisure, while a student visa is for long-term stay to pursue academic programs at educational institutions.
-
How long does the visa application process take?Processing time depends on the visa type and destination country. It can range from a few days to several weeks. We provide estimated timelines for each application.
-
Can you guarantee visa approval?No agency can guarantee visa approval, as the final decision rests with the embassy or consulate. However, we maximize your chances with accurate documentation and expert guidance.
-
What types of visas do you assist with?We assist with a variety of visas including tourist visas, student visas, business visas, visit visas, and more depending on your travel purpose.
-
What happens if my visa gets rejected?If your visa is refused, we help you understand the reasons, gather stronger documentation, and reapply if eligible.
-
What documents are required for a visa application?Documents vary by visa type and country, but typically include a valid passport, visa application form, passport-sized photos, travel itinerary, financial proof, and supporting documents like invitation or admission letters.
-
Do I need an appointment for visa submission?Some embassies require an appointment for biometrics or interviews, while others accept walk-ins or online submissions. We help you schedule the necessary appointments.
-
Can I work on a student visa or tourist visa?Work rights vary by country. Some student visas allow part-time work, but tourist visas generally do not permit any employment.
-
Do you provide interview preparation for student visas?Yes, we offer personalized student visa interview preparation to improve your confidence and chances of approval.
-
How much do your visa services cost?Service fees depend on the visa type and level of assistance required. Visa application fees charged by embassies are separate. Contact us for a detailed quote.
-
Can I customize my travel package?Yes, absolutely! We specialize in tailor-made holidays. You can customize the destination, duration, hotel category, transport, sightseeing, and more based on your preferences and budget.
-
How early should I book my holiday?It is advisable to book at least 30–60 days in advance for international trips and 15–30 days for domestic travel to ensure availability and better deals.
-
What if I need support during my trip?We offer 24/7 customer support throughout your journey. Whether it’s rescheduling, emergencies, or assistance, our travel experts are just a call or message away.
-
What services does Journey Cart Holidays offer?We offer a wide range of travel services including domestic and international tour packages, hotel bookings, flights, cruises, Eurail passes, and customized holiday planning.
-
Do you offer group tours as well?Yes, we provide both fixed group departures and private group tours. These are ideal for families, friends, corporates, or special interest groups.
-
Is my booking amount refundable?Refunds depend on the cancellation policy of the selected package or services. We provide clear refund terms before booking, and our team assists throughout the cancellation process.
-
Can PEC help with document translation services?Yes, we offer certified translation services in over 25 languages alongside our attestation services. Our translations are performed by accredited translators and can be certified for official use. We can translate and attest your documents as a complete package for a seamless experience.
-
What documents can I get attested through PEC?PEC handles attestation for educational, personal, and commercial documents including degrees, diplomas, certificates, marriage certificates, birth certificates, commercial invoices, and more. We provide comprehensive attestation services for all document types required for international purposes.
-
What countries do you provide attestation services for?We provide attestation services for documents intended for use in over 150 countries worldwide. Our services cover major destinations like the UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman, China, Malaysia, and countries across Europe, North America, and Australia. We have expertise in the specific requirements for each country.
-
What is the difference between attestation and apostille?Attestation is the process of legalizing documents for use in non-Hague Convention countries and involves multiple levels of verification. Apostille is a simplified certification process for countries that are members of the Hague Convention. PEC offers both attestation and apostille services depending on your destination country's requirements.
-
Do I need to submit original documents for attestation?In most cases, original documents are required for attestation. However, for some document types and certain countries, notarized copies may be acceptable. Our team can advise you on the specific requirements for your situation during the initial consultation.
-
How long does the attestation process take?Standard processing usually takes 3–7 working days. Express options are also available depending on the document type and urgency. For emergency requirements, we offer a 24-hour express service for select document types. Our customer support team can provide you with a precise timeline based on your specific needs.
-
What documents can I get attested through PEC?PEC handles attestation for educational, personal, and commercial documents including degrees, diplomas, certificates, marriage certificates, birth certificates, commercial invoices, and more. We provide comprehensive attestation services for all document types required for international purposes
-
What payment methods are accepted?We accept credit/debit cards, net banking, and UPI payments.
-
Is there a service charge in addition to the visa fee?Yes, our service fee is separate and mentioned clearly during checkout.
-
Are visa fees refundable?Visa fees are generally non-refundable once the application has been submitted.
-
What are the visa application fees?Fees depend on the visa type and destination. Please refer to our fee structure.
-
Can I get an invoice or payment receipt?Yes, an official receipt will be emailed to you after payment confirmation.
-
How long does it take to process a visa?Processing times vary by country and visa type. Typically, it takes 7-15 business days.
-
Will I be notified once my visa is processed?Yes, you will receive a notification via email or SMS when your visa is processed.
-
What factors affect processing time?Processing time can be affected by public holidays, additional document requirements, or high application volume.
-
Does the processing time include courier delivery?No, courier delivery time is additional and depends on your location.
-
Can I expedite my visa application?Yes, expedited processing is available for certain visa types at an additional cost.
-
Can I apply on behalf of someone else?Yes, you can apply for family members or others, provided you have their authorization and required documents.
-
Q: What services does Btwgroups offer for visa application assistance?A: At Btwgroups, we provide comprehensive visa application assistance to ensure a smooth and efficient process. Our dedicated team of experts guides you through every step, from filling out application forms to gathering necessary documentation and scheduling appointments. We specialize in various visa categories, including tourist, business, student, and work visas. With our in-depth knowledge of visa requirements and regulations, we help you avoid common pitfalls and increase your chances of a successful application. We pride ourselves on offering personalized service tailored to your specific needs, making visa applications stress-free. Choose Btwgroups for reliable, enthusiastic support in achieving your travel or relocation goals!
-
Is an appointment required to apply?For most countries, yes. Appointment details will be provided during the application process.
-
What documents are required?The required documents vary by visa type. Please check our documentation guide.
-
Can I apply for multiple visas at once?Yes, you can apply for multiple visas if you meet the requirements for each destination.
-
How do I apply for a visa?You can apply for a visa through our online portal or by visiting our office.
-
What documents do I need to file an insurance claim?For insurance claims, you typically need policy documents, claim forms, identity proof, and documents specific to your claim type. For health insurance, medical reports and bills are required. For vehicle insurance, accident reports and repair estimates are necessary. Our claim assistance team helps you organize all required documentation for seamless processing.
-
How long does it take to process an insurance claim?Claim processing time varies by insurance type, complexity, and documentation completeness. Simple health claims may be settled within 7-14 days, while complex claims might take 30-45 days. Our claim assistance team expedites the process by ensuring proper documentation and following up with insurers to reduce processing time.
-
How do I choose the right insurance policy for my needs?Choosing the right insurance depends on your specific circumstances and goals. Our experts evaluate your financial situation, risk tolerance, and future objectives before recommending policies that provide optimal coverage at reasonable premiums. We consider factors like your age, health condition, family dependencies, and financial obligations.
-
Are pre-existing conditions covered in health insurance policies?Most health insurance policies have a waiting period of 2-4 years for pre-existing conditions. After this period, these conditions are typically covered. Some premium policies offer shorter waiting periods or special coverage for pre-existing conditions. We can help you find policies that best address your specific health concerns.
-
What factors affect my car insurance premium?Car insurance premiums are influenced by multiple factors including your vehicle's make and model, age, cubic capacity, geographical zone, previous claim history, insured declared value (IDV), and any additional riders or coverage options you select. No-claim bonuses can significantly reduce premiums over time.
-
What is the difference between equity, debt, and hybrid mutual funds?Equity funds invest primarily in stocks and offer higher potential returns with higher risk. Debt funds invest in fixed-income securities like bonds and offer stable returns with lower risk. Hybrid funds combine both equity and debt, providing a balance between growth and stability. The right choice depends on your financial goals, investment horizon, and risk tolerance.
-
What is a Systematic Investment Plan (SIP)?A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly (monthly or quarterly) in mutual funds. This disciplined approach helps average your purchase cost over time (rupee cost averaging) and mitigates market timing risk. SIPs are ideal for building wealth gradually and benefit from the power of compounding. You can start with as little as ₹500 per month.
-
How are mutual fund returns taxed in India?For equity-oriented mutual funds, gains held for more than 12 months are considered long-term and taxed at 10% (without indexation) for gains exceeding ₹1 lakh. Short-term gains (held for less than 12 months) are taxed at 15%. For debt funds, gains held for more than 36 months are considered long-term and taxed at 20% with indexation benefits. Short-term gains are added to your income and taxed as per your income tax slab.
-
How do I start investing in mutual funds?Starting mutual fund investments is simple. First, complete your KYC (Know Your Customer) verification through our office. Next, we'll help you assess your financial goals, risk tolerance, and investment horizon. Based on this assessment, we'll recommend suitable funds. You can start with a lump sum investment or a Systematic Investment Plan (SIP) with amounts as low as ₹500 monthly.
-
How do I track my mutual fund investments?We provide you with regular portfolio updates and detailed quarterly reports on your investments. Additionally, you can access your investments online through our client portal or mobile app. For specific fund details, you can also check the fund house websites or use financial aggregator platforms. We also schedule periodic review meetings to ensure your investments remain aligned with your financial goals.
-
How often should I review my financial plan?We recommend reviewing your financial plan at least annually or whenever there's a significant life event (marriage, birth of a child, job change, inheritance, etc.). Regular reviews ensure your plan remains aligned with your changing goals and circumstances. Our advisory service includes scheduled check-ins to assess performance, make necessary adjustments, and address any new concerns or opportunities.
-
When should I start financial planning?The best time to start financial planning is now, regardless of your age or income level. Early planning allows for compound growth and better risk management. However, it's never too late to start. We work with clients at various life stages – from young professionals to those nearing retirement – to create personalized plans that align with their current situation and future goals.
-
How do I create a retirement plan?Creating a retirement plan involves several steps: estimating your retirement expenses, determining your retirement age, calculating the corpus needed considering inflation, and investing regularly to achieve this target. We help you create a personalized retirement roadmap, recommend appropriate investment instruments, and regularly review your plan to ensure you stay on track.
-
How do I plan for my child's education?Planning for your child's education requires estimating future education costs considering inflation (currently 8-10% for education), determining the time horizon, and creating a systematic investment plan. We help you select appropriate investment vehicles based on your time horizon and risk tolerance, often recommending a mix of equity and debt investments that shift gradually towards safer options as the education goal approaches.
-
How much should I save for emergencies?As a general rule, we recommend maintaining an emergency fund that covers 3-6 months of your essential expenses. For individuals with variable income or less stable employment, we might recommend 6-12 months of expenses. This fund should be kept in liquid instruments like savings accounts or liquid funds for easy access during unexpected situations.
-
What makes BTW IMF different from other financial service providers?BTW IMF stands out for our client-centric approach, ethical practices, and comprehensive service offerings. We provide personalized attention rather than one-size-fits-all solutions. Our advisors are highly qualified and regularly undergo training to stay updated with market trends. We pride ourselves on maintaining long-term relationships with clients through transparency, regular communication, and periodic portfolio reviews.
-
How does BTW IMF charge for its services?For insurance and mutual fund services, we earn commissions from product providers, so there's typically no direct cost to clients. For comprehensive financial planning and wealth management, we may charge advisory fees based on the complexity of your financial situation and the scope of services required. We maintain full transparency about all fees and commissions during our initial consultation.
-
What services does BTW IMF offer?BTW IMF provides comprehensive financial services including insurance solutions (life, health, motor, travel, property), mutual fund investments, financial planning, retirement planning, tax planning, and wealth management. We also offer specialized services for insurance professionals and agencies, including licensing support and operational guidance.
-
How can I schedule a consultation with BTW IMF?You can schedule a consultation by calling us at +91 90043 83987, emailing us at info@btwimf.com, or filling out the contact form on our website. We offer both in-person meetings at our Mumbai or Pune offices and virtual consultations. The initial consultation is complimentary and helps us understand your financial needs and objectives.
-
Is BTW IMF licensed and regulated?Yes, BTW IMF is fully licensed and regulated by the Insurance Regulatory and Development Authority of India (IRDAI) with license number IMF074901202406490. We're also registered with the Association of Mutual Funds in India (AMFI) and recognized under the Startup India program (Certificate No: DIPP144064). All our advisors hold the necessary certifications and adhere to strict regulatory guidelines.
BTW Financial Services & IMF Pvt. Ltd.
Prashant Bunglow, 33/15, Karve Rd, opp. Garware College, Kachare Colony, Deccan Gymkhana, Pune, Maharashtra 411004