I had invested in margadarsi and not made any returns, and it is pure waste of your time and money. it is better to invest through mf SIPS or RD’s . their agents tell you something and at the end of your investment period, your returns are worst, please dont waste your time and money . I can give you more details if you would like to discuss further. I can personally tell my expereince through phone if you want more details. please reply if you want more details.