Financial Benefits

As a leading financial services provider, we're determined to help our employees keep the promises they've made to themselves about their financial future. Through our Royal, pension, stock-ownership and other programs, you can take steps to meet your goals.

Royal Savings Plan

  • Allows employees to make pre-tax, post-tax and Roth Royal Plan contributions, and offers a variety of investment options.
  • Your pre-tax and/or Roth Royal Plan contributions are matched dollar-for-dollar up to 4%. You vest in your company matching contributions after three years of service.
  • New hires are automatically enrolled, and you can roll over an eligible retirement plan balance at any time.

Cash Balance Pension Plan

  • This plan, which is 100% company-funded, provides additional retirement savings through company contributions of at least 4% and interest credits.
  • Eligible employees are automatically enrolled in the plan upon hire, and vest after three years of eligible service.

Global Share Ownership Plan

  • Gives eligible employees the opportunity to share in the company's future.

Life Insurance

  • Basic life insurance provided by the company.
  • Optional employee and dependent life insurance.
  • Basic and optional Accidental Death and Dismemberment (AD&D).


  • Short-term Disability (STD) provides financial security in the event of absence from work due to illness or non-occupational injury, up to six months.
  • Long-term Disability (LTD) is designed to protect employees who are disabled longer than six months.

529 College Savings Plans

Employees and certain family members are eligible to invest in a 529 college savings plan with no front-end sales charge or annual administration fee.

Discount Auto and Home Insurance

Employees can purchase auto and home insurance at special group discount rates.

Avyukta Earth Estate India Ltd. Mutual Funds

Avyukta Earth Estate India Ltd. Mutual Funds are available free of sales charge to Avyukta Earth Estate India Ltd. employees through convenient payroll deductions.

Benefits Brochure

Benefits BrochureDownload our benefits brochure to learn more about what Avyukta Earth Estate India Ltd. offers its employees.


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