Frequently asked questions

RichHarbor helps you navigate private-market opportunities such as unlisted shares, insurance protection and financing, through a single relationship. We're also building RFin, a connected financial workspace that is currently in development.

Not yet. RFin and the Financial Planning Assistant are in development. You can register for launch updates and we'll let you know when they're ready.

Not currently. These are on our roadmap as planned offerings. We'll only make them available once we're ready to offer them properly.

Yes. Unlisted shares are illiquid, may have transfer restrictions, have uncertain exits and can lose value. A listing is never guaranteed. Please read our risk disclosure before investing.

No. An enquiry simply lets our team contact you with information. You decide whether to proceed.

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Shares of companies that are not listed on a stock exchange, such as pre-IPO companies, subsidiaries of large groups, or growth-stage businesses.

There is no exchange price. Indicative prices depend on recent transactions, company fundamentals and demand and supply. We share the price and its basis before you commit.

Typically by off-market transfer to your demat account after payment, following the company's and depository's requirements.

Possibly, if there's a buyer. Liquidity isn't guaranteed and selling may take time or require a lower price.

No. Companies may delay or never pursue a listing. Invest only money you can keep invested for an extended period.

A common starting point is a multiple of annual income plus outstanding loans and future goals. Our team can walk you through a needs-based estimate.

No. Requesting a consultation is free and places you under no obligation to buy.

Policies are issued and underwritten by the respective insurance company and arranged by our partner SMC Insurance Brokers Pvt. Ltd. RichHarbor is a referral partner and refers you to SMC Insurance.

Portability is generally available at renewal, subject to the new insurer's underwriting. We can explain the steps.

Usually after a waiting period defined in the policy. Always disclose existing conditions accurately.

Yes, an NCB is linked to you rather than the vehicle and can usually be transferred, subject to insurer rules.

It meets the legal requirement, but does not cover damage to your own vehicle. We can explain the trade-offs.

Tenants can usually insure their contents; the structure is typically insured by the owner.

It's optional, but can be useful for cancellations, medical emergencies and baggage loss.

Share the details in the consultation form; we'll confirm whether an eligible option is available.

Submitting an enquiry here does not trigger a credit check. Lenders may run checks only when you formally apply.

No. Approval, rates and timelines are decided by the lender based on its credit assessment.

Usually KYC, bank statements, GST returns and financial statements. We'll confirm exactly what's needed — please don't upload documents on this website.

Yes. Corporate finance enquiries are handled by a dedicated team and shared only as needed, with your consent.