Debt Funds:-Debt funds have the mandate of investing primarily in Debt. Govt. authorities, Private Cos., Bank & FI are some of the major issuers of debt paper. These funds ensure low risk & provide stable income. Debt funds include- Gilt Funds, Income Funds, MIPs, Short Term Plans( STPs), Liquid Funds

Equity Funds:-The Equity Funds have the mandate of investing primarily in equities. The Funds are sub classified depending upon their investment objectives:
- Diversified Equity Funds
- Mid Cap Funds
- Sector specific funds
- Tax saving Funds
Equity investments are meant for a longer time horizon, this rank high on the risk-return matrix

Balanced Funds:The Balanced Funds have the mandate of investing both in equities as well as debt papers. Equity part provides the growth & the debt part provides stability in returns.

CAPITAL GAIN (54 EC BONDS):An opportunity to save capital gain tax Sec 54 EC of Income Tax Act, 1961 relates to exemption of long term capital gains if invested in bonds as approved from time to time by Government of India. SHCIL is presently distributing Govt. of India approved capital gain bonds of NHAI & REC.

FIXED DEPOSITS::-Fixed Deposits issued by Financial Institution with high investment rating and blue-chip Companies, are distributed by us.**
At present, SHCIL is distributing FD’s of the following entities :
 Dewan Housing Finance Corporation Ltd
 Exim Bank of India
 HDFC Limited
 HUDCO
 Jaiprakash Associates Ltd.
 LIC Housing Finance Ltd
 Mahindra & Mahindra Limited
 Mahindra Finance
 National Housing Bank(Sunidhi and suvridhi)
 PNB Housing Finance Ltd
 Shriram Transport Finance Company Ltd
 SIDBI