Home loans, personal loans, business loans, and LAP structured and placed with the right lender at the best terms for your profile.
Home LoanBusiness LoanLAPCredit Cards
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📈
Wealth Creation
Investments
Mutual funds, SIP investments, and portfolio guidance researched, diversified, and tailored to your risk appetite and financial goals.
Mutual FundsSIPELSSPortfolio
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🛡️
Risk Protection
Insurance
Life, health, term, and personal accident insurance the right coverage structured to protect your income, family, and wealth.
Term LifeHealthCritical IllnessPA
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⚙️
Support Services
Tax & More
ITR filing, tax planning, credit score improvement, and financial goal mapping the support layer that keeps your financial plan running.
ITR FilingTax PlanningCredit Score
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Why People Come to Us
Common roadblocks we see in financial journeys.
📉
Unplanned Financial Life
Without a clear financial plan, many make random decisions and stay unprepared for risks or future goals. A structured, goal-based plan brings order and direction.
🎯
Misaligned Investments
Investments often follow distributor advice instead of your needs, causing poor wealth management and wasted effort. When goals and investments don't match, long-term wealth suffers.
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Lack of Awareness
Limited knowledge of insurance, tax planning, and asset allocation leads many into products that fail to beat inflation slowing wealth creation significantly.
Our Numbers
Built on real outcomes,not promises.
Every number here reflects a real client, a real investment, or a real policy nothing inflated.
🏆
1+ Year
Experience
💰
₹25K+
Assets Under Advisory
👥
10+
Clients Served
🛡️
5+
Insurance Policies
How It Works
Our 5-step process to your financial clarity
1
Free Discovery Call
We listen first — understand your income, goals, life stage, and concerns in a no-obligation 20-minute conversation.
2
Financial Health Check
We review your current loans, investments, insurance, and tax situation to identify gaps, overlaps, and missed opportunities.
3
Strategy Design
A coordinated plan across capital, investments, and protection aligned to your specific goals and timeline.
4
Execution & Placement
We help you act on the plan — placing loans, setting up SIPs, arranging insurance all in one coordinated flow.
5
Ongoing Partnership
Regular reviews and direct access to Joy not a call centre. A real, continued advisory relationship.
Why Igris Capital
What makes us different
🤝
Founder-Led Advisory
Joy Mendonsa personally handles every client relationship. No junior relationship managers, no outsourced advice direct, accountable guidance.
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Coordinated Strategy
Your loans, investments, and insurance are designed to work together not in silos. One integrated strategy across your entire financial life.
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Selective Client Base
We deliberately limit client intake to ensure every relationship gets the attention it deserves. Quality of service, not quantity of accounts.
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Fully Regulated
AMFI Registered Distributor, IRDAI POSP, MSME registered, and DSA partner with leading banks. Transparent, compliant, and accountable.
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Tools That Help You Think
Free calculators for SIP, lumpsum, goal planning, and EMI so you come to every conversation informed and ready to decide.
💬
No Pressure, Ever
We don't push products. We explain options, share numbers, and let you decide. Our income is never prioritised over your outcome.
Get Started
Ready to bring clarity to your financial life?
Book a free 20-minute consultation with Joy Mendonsa. No obligation. No product pitching. Just an honest conversation about your financial situation.
A complete suite of financial services loans, investments, insurance, and tax support structured as one coordinated strategy for your life goals.
Capital Structuring
The right loan at the right terms placed with the best-fit lender for your profile. We don't just find you credit; we structure your borrowing to support your broader financial plan.
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Home Loan
Competitive rates from HDFC, ICICI, Axis & Bajaj. End-to-end processing support — from application to disbursal.
Personal Loan
Quick disbursal, minimal documentation. Structured to fit your repayment capacity and income profile.
Business Loan
Working capital, expansion, or machinery we find the right product and lender for your business stage.
Loan Against Property
Unlock the value of your property at lower rates. Suitable for high-value funding needs.
Systematic, research-informed investment guidance across mutual funds and SIPs matched to your goals, timeline, and risk appetite. No random picks, no chasing returns.
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SIP Investments
Systematic monthly investments into equity, debt, or hybrid funds the most disciplined path to wealth.
Tax Saver (ELSS)
Invest in well-researched ELSS funds to claim Section 80C deductions while growing your investment portfolio.
Index Funds
Low-cost, diversified market exposure for long-term investors who prefer simplicity over active management.
Goal-Based Planning
Retirement, children's education, home purchase your portfolio designed to reach specific goals by specific dates.
Risk Protection
Insurance planning is essential to protect your financial goals. We structure your portfolio across life, health, and critical illness insurance chosen by need, not commission.
🛡️
Life Insurance
Secure your family's future with the right term plan chosen by need, not pitch. Adequate cover, not over-insured.
Health Insurance
Cover hospital bills without financial strain for yourself and your family. We review and plug coverage gaps.
Personal Accident
Stay covered in case of sudden loss of income due to accidents. Essential protection for working professionals.
Critical Illness
Protect your wealth from high-cost treatments with a dedicated safety buffer for major medical events.
The foundational layer that keeps your financial life running smoothly tax compliance, credit health, and financial goal reviews done right and done on time.
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ITR Filing
Accurate, on-time income tax return filing for salaried individuals, freelancers, and small business owners.
Tax Planning
Year-round deduction planning and restructuring to minimise your tax outgo legally and efficiently.
Credit Score Improvement
Review your credit report, identify issues, and build a roadmap to improve your score for better loan terms.
Financial Goal Review
Periodic check-ins to keep your financial plan aligned with life changes income shifts, new goals, life events.
Founded on the belief that every person deserves clear, honest financial guidance without jargon, without pressure, without conflict of interest.
Joy Mendonsa
Founder & Principal Advisor · Igris Capital
Joy Mendonsa is the founder and principal advisor at Igris Capital a boutique capital and wealth advisory practice based in Mira Bhayandar, Mumbai. With a focused approach to financial planning, Joy works directly with every client no handoffs, no junior advisors, no call centres.
Igris Capital was built on a single principle: that financial advice should be honest, coordinated, and genuinely in the client's interest. Joy operates across loans, mutual fund distribution, insurance, and tax support structuring all four into one coherent strategy for each client's life goals.
Having worked with clients across professions salaried professionals, business owners, and families Joy brings a practical, grounded approach to what can often be an overwhelming landscape of financial products and advice.
AMFI ARN-356525EUIN E680309POSP Life InsurancePOSP Non-Life InsuranceMSME Registered
Our Values
🎯
Clarity Over Complexity
We simplify financial decisions presenting options clearly, explaining tradeoffs honestly, and never hiding behind jargon or fine print.
🤝
Client First, Always
Our advice is never shaped by product commissions or sales targets. The right product for you is the only product we recommend.
🔗
Coordination Over Silos
Your loans, investments, and insurance must work together not in isolation. A coordinated strategy creates far better outcomes.
Regulatory Registrations
Our Regulatory Details
AMFI RegistrationARN-356525 (Mutual Fund Distributor)
EUINE680309
POSP: Life InsuranceIRDAI Compliant
POSP: Non-Life InsuranceIRDAI Compliant
MSME RegistrationUDYAM-MH-33-0636264
Shop Act (Gumasta)ID: 103111522603
DSA / Referral PartnersHDFC Bank · ICICI Bank · Axis Bank · Bajaj Finserv · TATA Capital · Kotak Bank
AMFI Registered Mutual Fund Distributor · ARN-356525 POSP Life & Non-Life Insurance · IRDAI Compliant Lending Partners: HDFC · ICICI · Axis · Bajaj Finserv · TATA Capital · Kotak Bank MSME Registered · UDYAM-MH-33-0636264
Send an Enquiry
We respond within 24 hours — personally.
🔒 Your details are private and will never be shared with third parties.
✅
Enquiry Received!
Joy will reach out to you personally within 24 hours to schedule your free consultation.
Client Feedback
What our clients say
Every review here is submitted directly by a real client. Share your experience it helps others make informed decisions.
Leave a Review
Please select a rating.
Your review is submitted to Joy and will be visible on this page.
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Client Reviews
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Legal
Terms & Conditions
Last updated: January 2026
1. Acceptance of Terms
By accessing or using the Igris Capital website or services, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our services.
2. Services Provided
Igris Capital provides financial advisory and distribution services including mutual fund distribution (AMFI ARN-356525), insurance facilitation (IRDAI POSP), loan referral/DSA services, and general financial planning guidance. We are not a SEBI-registered Investment Adviser.
3. No Guarantee of Returns
All investment-related information provided is for educational and informational purposes. Past performance of any financial product does not guarantee future results. Investment in mutual funds and securities is subject to market risk.
4. Regulatory Compliance
Igris Capital operates under all applicable SEBI, AMFI, IRDAI, and RBI regulations. Our regulatory registrations are disclosed fully on this website and available upon request.
5. Conflict of Interest Disclosure
As an AMFI Registered Mutual Fund Distributor (ARN-356525), Igris Capital earns trail commissions from Asset Management Companies. As a POSP under IRDAI, we earn commissions on insurance policies placed. As a DSA partner with banks, we may receive referral fees. All such conflicts are disclosed to clients before any transaction.
6. Limitation of Liability
Igris Capital shall not be liable for any loss or damage arising from decisions made based on information provided on this website or through our advisory services. Clients are advised to independently verify information and consult qualified professionals.
7. Governing Law
These terms are governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in Mumbai, Maharashtra.
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Legal
Privacy Policy
Last updated: January 2026
1. Information We Collect
We collect information you voluntarily provide — name, phone number, email address, and details about your financial situation — to provide advisory services.
2. How We Use Your Information
Your information is used solely to provide financial advisory services, respond to enquiries, and facilitate product applications on your behalf with relevant institutions.
3. Data Sharing
We share your information only with lending institutions, AMCs, and insurance companies as required to process your applications — and only with your explicit consent.
4. Data Security
We take reasonable precautions to protect your information. No internet transmission is completely secure and we cannot guarantee absolute security.
5. Your Rights
You may request access to, correction of, or deletion of your personal data at any time by contacting Joy Mendonsa at joy@igriscapital.in.
6. Cookies
Our website uses minimal functional cookies only. No personally identifiable information is stored in cookies and no third-party advertising cookies are used.
7. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect data from minors.
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Legal
Investment Disclaimer
Last updated: January 2026
Mutual Fund Disclaimer
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance does not indicate or guarantee future performance.
Igris Capital is registered as an AMFI Mutual Fund Distributor (ARN-356525) and earns commission/trail income from AMCs for mutual fund distribution. This constitutes a potential conflict of interest. Clients are advised to seek independent advice if in doubt.
Insurance Disclaimer
Insurance is the subject matter of solicitation. Igris Capital operates as a Point of Sales Person (POSP) for Life and Non-Life Insurance under the IRDAI framework. Tax benefits are subject to change in tax laws.
Loan / Credit Disclaimer
Igris Capital facilitates loan applications as a referral/DSA partner with licensed banks and NBFCs. We do not independently lend money. All loans are subject to approval by the lending institution based on their credit assessment criteria. All EMI calculations shown are indicative only.
General Financial Disclaimer
Information on this website is for general informational purposes only and does not constitute financial, investment, tax, or legal advice. Igris Capital is not a SEBI-registered Investment Adviser.
Regulatory Registrations
MSME Registered · UDYAM-MH-33-0636264
AMFI Registered Mutual Fund Distributor · ARN-356525
EUIN · E680309
POSP: Life Insurance (IRDAI Compliant)
POSP: Non-Life Insurance (IRDAI Compliant)
Shop Act (Gumasta) · ID: 103111522603
DSA / Referral Partner: HDFC Bank, ICICI Bank, Axis Bank, Bajaj Finserv
ICICI Prudential
SBI Life
Tata AIA
Care Health
Niva Bupa
Star Health
Tata AIG
Mirae Asset
UTI
Nippon India
ICICI MF
HDFC MF
Tata MF
PPFAS
Groww
HDFC Bank
ICICI Bank
Kotak Bank
Axis Bank
Bajaj Finserv
Tata Capital