Personal finance and wealth management
Your money has a purpose. Let's give it a clear direction.
Financial decisions become easier when you understand where you stand, what matters most and how to move forward. At Nivesh Shubharambh, we help you bring clarity, structure and direction to your financial life.
Thoughtful personal finance. Personalised guidance. Long term relationships.
- AMFI registered MFD
- ARN-250790
- APMI registered PMS distributor
- APRN-08721
- Qualifications
- QPFP, CFGP
Burhan Rajput
FounderFounder and Personal Finance Professional
Goals shown are illustrative.
यहीं से होती है निवेश की सही शुरुआत।
Financial Clarity. Informed Decisions. A Better Financial Future.
Free financial health checkup
How healthy are your finances, really?
Answer twelve simple multiple choice questions about how you save, borrow, protect and plan. You will see your result instantly, along with what to work on first.
12 questions, about 3 minutes
Who is this checkup for?
Your name appears on your personalised PDF report.
Your answers stay in your browser. Nothing is stored on our server.
- A health score out of 100Across cash flow, emergency readiness, debt, insurance, goals and retirement.
- Your top prioritiesThe areas that need attention first, with a clear next step for each.
- A personalised PDF reportWith your name and date, to keep or share with your family.
- A conversation, if you want oneSend your result on WhatsApp and talk it through with us.
Start here
Where do you stand financially today?
Most people earn, save and invest. But how many truly understand whether their money is aligned with their life goals?
Choose what sounds most like you. We will show you the questions worth asking and where to begin.
Questions worth asking yourself
- Which of my investments is meant for which goal?
- Am I taking more, or less, risk than I realise?
- Do I hold several funds that do the same thing?
Our philosophy
We believe personal finance starts with questions, not products.
Before any recommendation, we take time to understand you. Every relationship follows the same four stage process, and it repeats for as long as we work together.
- 01
Understand
Where do I stand today?
Understand your current financial position, income, expenses, investments, responsibilities and financial concerns.
- 02
Prioritise
What matters most, and what comes first?
Identify your important financial goals and determine which financial responsibilities need attention first.
- 03
Plan
What is the clearest route from here to there?
Create a structured financial roadmap based on your goals, risk profile, time horizon and financial capacity.
- 04
Review
Are we still on track as life changes?
Monitor progress, review changing circumstances and make adjustments when required.
Personal finance, not product pushing
Your financial life is bigger than your investment portfolio.
Twelve areas we look at together. Some will matter to you today, others in a few years. A good plan keeps all of them in view.
- Financial Health CheckA calm, complete look at where you stand today, before any decision about tomorrow.
- Goals ManagementEvery rupee invested gets a purpose, a timeline and a realistic target.
- Investment Portfolio ReviewFind out whether what you already own is working for the goals you actually have.
- Retirement ManagementUnderstand what the life you want after work will cost, and how to get there.
- Children's Education ManagementPrepare for rising education costs with a plan that matches your child’s timeline.
- Wealth ManagementAn organised, long term view of family wealth, with personal attention and regular reviews.
- Estate and Legacy ManagementMake sure what you have built reaches the people you intend, smoothly.
- Risk ManagementProtect your family and your plan from events that could undo years of saving.
- Personal Finance ManagementBuild simple systems for spending, saving and investing that run month after month.
- Tax ManagementMake tax decisions part of the plan, not a rush in the last week of March.
- Emergency Fund ManagementA reserve that lets you face the unexpected without disturbing long term plans.
- Passive Income and SWP ManagementTurn an accumulated corpus into a steady, planned monthly income.
For individuals and families
Make better financial decisions with greater clarity.
Whether you are starting your first SIP or juggling EMIs, school fees and a growing list of investments, we help you organise your priorities and plan for the responsibilities ahead, in simple language.
- See your income, savings, loans and investments together
- Set goals for your family, with a timeline and an amount
- Build an emergency reserve and the right insurance cover
- Start or restructure SIPs with a clear purpose for each
For HNI and affluent families
Build a more organised view of your wealth.
Significant wealth brings its own questions. We work with a limited number of families at a time, with discretion, structure and personal attention from the founder.
- A consolidated view of family wealth across platforms
- Deliberate asset allocation and periodic rebalancing
- Retirement income and withdrawal management
- Legacy considerations, nominations and succession readiness
- Access to PMS, AIF and SIF where suitable
Meet the founder
Meet the person behind Nivesh Shubharambh.
Burhan Rajput
Founder and Personal Finance Professional
Burhan Rajput founded Nivesh Shubharambh with a simple belief: financial decisions should begin with understanding and clarity.
With over nine years of experience in the financial services industry, he focuses on helping individuals and families understand their financial position, organise their goals and make informed financial decisions.
His approach combines financial education, structured money management and personalised attention, with an emphasis on building long term relationships rather than simply selling financial products.
- Experience
- 9+ years
- Qualified Personal Finance Professional
- QPFP
- Certified Financial Goal Planner
- CFGP
Professional registrations
- AMFI registered Mutual Fund Distributor, ARN-250790. Registered 14 August 2022, valid till 4 August 2028.
- Specialised Investment Fund (SIF) distribution under ARN-250790, valid 10 October 2025 to 5 October 2028.
- APMI registered PMS Distributor, APRN-08721, valid 24 March 2026 to 23 March 2029.
Small lessons, big difference
A few ideas worth seeing for yourself.
Move the sliders. These are illustrations with assumed numbers, meant to build intuition, not to predict returns.
Two people, the same ₹10,000 a month
Both plan to invest until 60. One starts at 30. The other waits. Assumed return 12% a year.
Waiting 5 years reduces the illustrative corpus by ₹1,37,87,666, even though the monthly amount is the same.
Try the cost of delay calculatorOur financial solutions
Tools that serve the plan, chosen only when they fit.
Once your goals and priorities are clear, these are the solutions available through us. Which ones are relevant depends entirely on your situation.
Ways to grow and organise money for goals of different lengths. Which ones fit depends on your goals, time horizon and comfort with risk.
Mutual Funds
Professionally managed, diversified portfolios across equity, debt and hybrid categories.
SIP and Lumpsum Investments
Invest regularly from income, or deploy a lump sum in a planned way.
Equity and Debt Investment Solutions
A blend of growth and stability, aligned to the timeline of each goal.
PMS
Portfolio Management Services for investors meeting SEBI’s minimum investment threshold.
AIF
Alternative Investment Funds for eligible investors seeking specialised strategies.
SIF
Specialised Investment Funds, a newer SEBI regulated category with a higher minimum investment.
NPS
National Pension System, a long term retirement savings option with tax benefits.
Fixed Deposits
Bank deposits for capital stability and predictable interest.
Corporate Fixed Deposits
Deposits with companies, which carry credit risk and need careful selection.
Bonds and NCDs
Fixed income instruments for regular interest, with varying credit quality.
Sovereign Gold Bonds
Government backed gold exposure, subject to availability of issues and secondary market liquidity.
Capital Gain Bonds
Section 54EC bonds that may help save long term capital gains tax on property sales.
Commission disclosure
How we are paid, published in full.
We earn commission as a mutual fund distributor, and we show you the scheme-wise ranges openly so you can weigh it against the work we do for you.
Read our commission disclosure- Nil
- Up-front commission on any scheme category
- Trail only
- Annual trail commission on regular plans, disclosed at the time of investment
- No extra fee
- For incidental services such as goal reviews, FDs and insurance support
Grievance Officer
- Name
- Mr. Burhan
- Mobile
- 8595115313
If a concern remains unresolved, you may escalate it to AMFI or to SEBI SCORES at scores.sebi.gov.in.
Financial calculators and digital tools
Explore. Calculate. Understand. Plan.
Take the first step towards understanding your financial numbers. Use our interactive financial calculators to explore possibilities and make more informed decisions.
Try it: SIP calculator
Open full calculator- You invest
- ₹18.00 L
- Estimated value
- ₹47.59 L
Illustration only. Returns are assumed and not guaranteed. Mutual fund investments are subject to market risks.
All tools
Tax
Financial Assessment
The Nivesh Shubharambh app
Your financial journey, always within reach.
Stay connected with your investments and access your financial information conveniently through the Nivesh Shubharambh mobile app.
Scan to download
Point your phone camera at the code.
Frequently asked questions
Simple answers to common questions.
Have a question that is not here? Ask us directly. We are happy to explain.
Because most financial stress comes from uncertainty, not from a lack of products. A plan tells you what you are saving for, how much is enough and what to do when circumstances change. It also helps you avoid decisions made in a hurry, such as buying a policy in March only to save tax.
Your financial future deserves more than guesswork.
Whether you are beginning your investment journey, reviewing your existing wealth or preparing for the next chapter of life, start with understanding your financial priorities.
Or call +91 85951 15313