Zirva - Corporate Profile

8/3/2019 Zirva - Corporate Profile

1/39

ZIRVABUSINESS SOLUTIONS


2/39

Corporate Profile

Zirva Business Solutions LLP is a single window Shariah oriented

business and investment consultancy provider.

It is first of its kind in the world.

We put the customer first and tailor all our engagements according to

the unique requirements of the customer.

Our talent pool is multifaceted and multilateral and is capable of

engaging in a very wide area of business and investment requirements.


3/39

Vision

Establish Shariah rulings as an integral part of the business thought

process while creating new paradigms for business performance and

management.


4/39

Mission We shall see through the process of establishing new businesses that arevalue bound and performance oriented.

We shall see through the processes of value integrating existing

businesses while raising performance levels.

We shall continuously raise the content, variety and scope of Shariahoriented business education.

We shall continuously innovate, challenge the status quo, continuously

create opportunities and rejuvenate the way businesses operate.


5/39

Shariah Oriented Investment

Solutions


6/39

Muslims have been deprived of their right to have access to

Shariah compliant investment opportunities in the modern

financial world.

Islamic banking and finance emerged on the scene against

this backdrop.

It has grown over the past 30 years and today we have many

opportunities in this regard.

At Zirva, we combine all these opportunities and present it

in a coherent manner in front of the customer.


7/39

The Investment Service

Universe Investment in Equities

Investment in Commodities

Investment in Portfolio Management Services

Investment in Mutual Funds

Investment in Insurance Products

Investment in Greenfield Projects

Investment in Realty

Investment in Hybrid Products Comprehensive and integrated Financial Advisory Services


8/39

Investment in Equities


9/39

Equities mean true ownership in businesses.

Equities reflect the growth saga of a country.

By participating wisely and decisively in equities one gets to be a part of

the economic growth of a country.

Wealth of Muslims are scanty in the equities market. Those who participate in the equities market arent guided properly both

on the Shariah as well as the financial front.

There are many practices in the stock market that are against Shariah

rulings and which Muslims should avoid. (e.g.: - margin trading,

derivatives etc.)


10/39

Zirva focuses on guiding the Shariah minded

investor to invest in equities in a Shariah oriented

and financially sound manner.

We have a unique and rigorous process of filtering

and recommending stocks.


11/39

The Zirva Act of Stock Picking Zirva relies on the Shariah compliant list of stocks provided by TASIS

(www.tasis.in).

TASIS follows the most rigorous of all the Shariah screening

methodologies used across the world today. Stocks are screened at two macro levels at the business level and at

the financial level.

At the business level companies which are into Shariah non compliant

businesses are screened out (eg: - alcohol, gambling, conventional

banking/insurance/financial companies, pork, pornography etc.)


12/39

At the financial level the companies are screened

on parameters of debt, liquid assets and the

percentage interest income accruing to it.

Total Debt / Total Assets < 25 %

Interest Bearing Securities / Total Assets < 33%

Interest Income / Total Income < 3%

Receivables +Cash / Total Assets < 90 %

The resulting universe of stocks (more than 2000

scrips) is the most Shariah tolerant one in theworld.

India has the largest number of Shariah

compliant stocks in the world.


13/39

From the universe of stocks provided by TASIS; Zirva

applies all the classic stock picking techniques like

fundamental analysis and technical analysis.

Though, we follow a predominantly fundamental analysis

driven strategy to pick stocks.

Technical analysis is used on fundamentally analyzed

stocks to find opportune entry and exit points.

Unlike the other brokers in the market Zirva doesnt

persuade the investor to frequently sell/buy scrips but

recommends only genuine buying and sellingopportunities.

We focus on systematic wealth creation for our clients.

Equity investments when understood and managed

properly offers the highest returns among all asset classes.


14/39

Process of Stock Picking at Zirva

Shariah BusinessScreening

Shariah FinancialScreening

Fundamental Analysis topick value stocks /

Technical analysis to pointout proper entry and exit

points


15/39

Investment in Commodities


16/39

Zirva facilitates spot transactions in commodities like gold,

silver, platinum, copper, nickel etc.

The list also includes agricultural commodities like cotton,

cereals, fibres, spices, pulses etc.

E-gold and e-silver denote possession of gold and silver in

the demat form.

This saves the investor from VAT, wealth tax, loss of value on

physical and other risks and costs associated with physical

possession of precious items.


17/39

Investment in Portfolios


18/39

Portfolio management service refers to the creation and management of

a customized group of securities to suit the specific risk return

requirements of a person.

The portfolio is created and managed by a qualified and licensed

portfolio manager who tries to achieve the investment objectives of the

client using his specialized knowledge and professional credentials.

Moreover, PMS is subject to strict regulation by the Securities and

Exchange Board of India (SEBI) and other regulators which ensures a high

level of safety and protection for the investor.

The minimum ticket size for investments is Rs. 5,00,000 (Rupees FiveLakhs).


19/39

Fund will not use any derivative instruments like futures, options and

swaps.

The fund will not indulge in short selling.

The fund will invest its liquid resources in a Shariah compliant manner innon interest bearing securities

Dividend Purification Ratio

The fund will periodically inform policy holders on the amount they

need to donate to charity to purge the impact of interest on their

fund investment.


20/39

Investment in Mutual Funds


21/39

Mutual funds are portfolios in which the customization

factor is taken out.

Here a fund with a particular objective is floated.

The objectives of the fund and other pertinent information

are clearly spelt out in the Scheme Information Document

(SID).

Mutual funds are also highly regulated like PMS.

The minimum ticket size is Rs. 5000 (Rupees Five Thousand)

for the first time and the rest in multiples of Re. 1).


22/39

Investment in Insurance Products


23/39

Insurance has been the most problematic area with Shariah

minded investors as the conventional insurance products

had all the prohibited elements of Riba (usury), Gharar

(prohibitive uncertainty) and Maysir (gambling).

Shariah compliant insurance products attach an insurance

plan to a Shariah compliant stock portfolio.

Such insurance products are available with ZBS now.

The Shariah compliant insurance plan is also certified by

TASIS.


24/39

Investment in Greenfield Projects


25/39

Zirva promotes greenfield projects (projects in which we are a consultant

and which are executed under our supervision).

Projects submitted by capable entrepreneurs are studied in depth and

required investments are called for.

Zirva does all due diligence and remains as a consultant on board. Thus we try to promote entrepreneurship, create profitable investment

opportunities and uplift the managerial quality and Shariah compliance

of projects and institutions.

Rockview Powersand a proposed Manufactured Sand unit is one such

project.


26/39

Investment in Realty


27/39

Real estate is a booming sector in India; especially in the state of Kerala.

We come up with highly innovative products and services in this

segment.

Mahalla based Islamic Land Banking is one such initiative.

Zirva has made a paradigm shift in the real estate market by combiningand optmizing the seemingly conflicting interests of the real estate

investors and people who genuinely require land as an item of basic

necessity.

The Zakath committees were also poised to the share of the booming

real estate market in the state.


28/39

Investment in Hybrid Products


29/39

The realty-stock combo is another innovative investment

opportunity pioneered by Zirva.

High Networth Individuals (HNIs) can take advantage of this

super return potential investment opportunity.

Realty is used as a hedge whereby half of the money goes

into realty.

The other half is invested in stocks having high long term

growth prospects.

The minimum ticket size is Rs. 10,00,000 (Rupees Ten Lakhs).


30/39

Integrated Personal Financial

Advisory Services


31/39

We provide the complete range of solutions required for a

person to have a seamless financial plan.

The unique financial position of a person is analyzed in

depth and a complete strategic road map is presented in

front of him to realize his financial objectives.

After the presentation of the strategic roadmap, the actual

execution is also undertaken.


32/39

Components of Integrated Personal

Financial Advisory Services Managing Investment Risks and Returns

Recommendation and Operation of Suitable Investment

Vehicles

Recommendation and Execution of Suitable Investment

Strategies

Insurance Planning

Retirement Planning

Tax and Estate Planning

Elucidation of the Regulatory Environment


33/39

Business Consultancy Services


34/39

Zirva is capable of handling all your business requirements

and has quality presence in the areas of Law, Accounting,

Finance, Marketing, Operations, HR, Sales & IT.

We deliver quality services at the most affordable rates.

It is our objective to bring in mass customization to the

business and management consultancy market; which shall

ensure quality services at the most affordable rates for small

and medium businesses.


35/39

Business & Management ServicesLLP Registration Agreement Drafting Brochures & FlyersCompany Registration

(Pvt. Ltd. and Public Ltd.)

Legal Transcription Government and Other

Statutory Clearances

Trademark Registration Import Export Code Sales & Marketing Training

Digital Signatures PAN Business ProcessOutsourcing (BPO)

Service Marks TAN Knowledge Process

Outsourcing (KPO)

ISO Certification Accounting Services Employee Training

Patents Tax Services Compensation Structuring

Copyrights Finance Facilitation Corporate Training

Programmes

Disclaimers Drafting Branding Recruitment

Privacy Policy Drafting Advertisement Staffing


36/39

Domain Name Registration Logo Designing

Web Hosting Data Entry & Management

Email Hosting Management Training Programmes

SSL Certificates Shariah Advisory

Website Building Shariah Structuring

Web Designing Project Reports

Online Payment Gateway Feasibility Studies

Bulk SMS Solutions Economic & Financial Surveys

Software Development Procurement

Enterprise Resource Planning (ERP) Data Mining


37/39

Islamic Finance & Business

Education


38/39

Courses Offered Post Graduate Diploma in Islamic Banking & Finance

(PGDIBF) Full Time and Distance Learning.

Certified Islamic Mutual Fund Advisor (CIMFA). (SEBI

Certification)

Certified Islamic Securities Markets Dealer and Risk Manager

(CISMDRM). (SEBI Certification)

Certified Islamic Banking and Finance Educator (CIBFE).

Certified Islamic Insurance Advisor (CIIA).

Diploma in Islamic Banking (DIB).


39/39

Thank You

Documents

Zirva - Corporate Profile