Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. AMFI-registered Mutual Fund Distributor: Nirav Jashvantlal Khatri  |  ARN-126555
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Protect & Prosper

Financial goals deserve a plan, not a guess.

NK Finserv helps individuals and families across India invest in mutual funds with clarity — grounded in your goals, your risk appetite, and your timeline. We're AMFI-registered distributors, not fortune tellers.

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Free, no obligation, and no paperwork on the call.

19+Years total experience
500+Clients managed
80+Families served
ARN-126555AMFI Registration No.

Wherever you're headed, we help map the route

Goal-based planning
Retirement

Building a corpus for life after work.

Child's Education

Planning ahead for rising education costs.

Home Purchase

Saving steadily toward a down payment.

Wealth Creation

Growing surplus over the long term.

✓ 100% Free  ·  No Obligation

Not sure if your existing portfolio is still working for you?

Get a free, no-strings-attached review — we'll look at overlaps, risk mismatches, and underperforming funds across your existing holdings, and tell you plainly what (if anything) needs to change.

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Nirav Jashvantlal Khatri

AMFI Reg. ARN-126555
19+Yrs Experience
500+Clients
80+Families
About Us

A partner across every financial milestone.

NK Finserv is an AMFI-registered Mutual Fund Distributor (ARN-126555) founded by Nirav Jashvantlal Khatri, who brings 19+ years of total experience — including over 10 years in the mutual fund industry and more than 9 years of direct client servicing experience. Today NK Finserv manages relationships with 500+ clients across 80+ families, built on the idea that most people don't need more product choices — they need a clearer path to the goals those products are meant to serve. We work with salaried professionals, business owners, and families who want their money working with intention: children's education, a home, retirement, or simply long-term wealth creation.

As distributors, we help you access mutual fund schemes from AMCs we are empanelled with, explain how each product works, and support you through KYC, transactions, and ongoing servicing. We earn distribution commission from the AMCs whose schemes we distribute — full details available on request.

Transparent

Every recommendation comes with the "why", the risk, and the alternative.

Goal-first

We start from your timeline and need, not from a product to sell.

Compliant

SEBI and AMFI guidelines govern how we communicate — always.

Long-term

We review portfolios periodically, not just at the point of sale.

Our Commitment

Built for every generation of investors

Whether you're starting your first SIP or drawing an income in retirement, our approach adapts to where you are in life — not the other way around.

20s · First Jobbers

Starting the habit

Your first SIP, building a savings discipline, and understanding risk before the amounts get large.

30s–40s · Growing Families

Balancing today and tomorrow

Children's education, a home, protection through insurance, and staying invested through life's busiest years.

50s · Pre-Retirees

Protecting what's been built

Gradually de-risking, consolidating scattered investments, and firming up the retirement number.

60+ · Retirees

Steady, dependable income

Shifting toward capital preservation, structured withdrawals (SWP), and peace of mind over growth.

What We Distribute

Mutual fund solutions for every goal and horizon

We distribute schemes across categories from AMCs we are empanelled with. Suitability depends on your goal, risk profile, and time horizon — we'll help you match the two.

Equity Mutual Funds

Large-cap, mid-cap, small-cap and flexi-cap funds for long-term wealth creation, typically suited to 5+ year horizons.

High growth potential

Debt Mutual Funds

Short and medium duration funds aiming for relative stability and steadier returns than equity, for conservative goals.

Lower volatility

Hybrid Funds

A mix of equity and debt in a single scheme, aiming to balance growth and stability for moderate risk appetites.

Balanced approach

ELSS (Tax-Saving Funds)

Equity-linked schemes offering tax benefits under Section 80C, with a mandatory 3-year lock-in.

Section 80C

SIP Investments

Disciplined monthly investing that builds a habit, averages market cost, and compounds over time.

Start from small amounts

Retirement & Children's Goals

Curated fund combinations mapped to long-horizon goals like retirement corpus and children's education.

Goal-mapped

Liquid & Overnight Funds

For parking surplus cash or building an emergency fund with easy access and low volatility.

High liquidity

Lumpsum Investments

For deploying a one-time amount — bonus, maturity proceeds, or savings — into a suitable scheme mix.

One-time deployment

Goal-Based Portfolios

A combination of scheme categories mapped against a specific target amount and timeline you define.

Customised mix
Our Partners

Access to India's leading fund houses

As an empanelled distributor, we help you invest across schemes from the AMCs below — one relationship, many fund houses, no need to juggle multiple logins or paperwork. Alongside these, we can also arrange access to GIFT City (IFSC) funds for overseas and foreign-currency exposure.

*Comprehensive list of AMFI-registered AMCs shown as placeholder wordmarks for layout — please replace with each AMC's official logo (obtained directly from the AMC or with their permission) and trim this list to only the AMCs NK Finserv is actually currently empanelled with before publishing. Fund houses are independent entities regulated by SEBI; inclusion here reflects distribution empanelment only and does not imply any endorsement by the AMC.

Beyond Mutual Funds

Other solutions we help you access

Grouped by what they do for your portfolio. We first check which of these actually fits your goal, horizon and eligibility — then talk product.

Fixed income

Stated interest, fixed tenure. Risk depends on who is issuing.

  • Company Fixed Deposits Deposits with corporates and NBFCs at a stated rate. Not bank-insured
  • Corporate Bonds & NCDs Listed company debt with a fixed coupon and credit rating. Credit-rated
  • Tax-Free Bonds Long-tenure government-backed bonds; interest is tax-exempt. Tax-exempt interest
  • RBI Bonds Floating Rate Savings Bonds, interest paid half-yearly. Sovereign-backed · 7-yr lock-in

Larger portfolios

SEBI-regulated vehicles with minimum ticket sizes and eligibility norms.

  • Portfolio Management Services A managed portfolio held in your own demat account. Min. ₹50 lakh · SEBI
  • Alternative Investment Funds Cat I/II/III pooled funds — private equity, real assets, hedge-style. Min. ₹1 crore · SEBI
  • Specialised Investment Fund Newer SEBI category sitting between mutual funds and PMS. Min. ₹10 lakh · SEBI
  • GIFT City Funds Funds domiciled in the IFSC at GIFT City — the route for resident Indians to invest overseas under the LRS, and for NRIs to invest into India in foreign currency. IFSCA regulated · USD-denominated

Protection & credit

Cover for your family, and borrowing arranged through partners.

  • Term Life Insurance Pure protection to secure your family’s income — not an investment. IRDAI regulated
  • Loans Home loans, loans against mutual funds or securities, personal loans. Via bank/NBFC partners · RBI
Regulatory note — eligibility, risk and who regulates what

Mutual funds. Distributed by NK Finserv as an AMFI-registered Mutual Fund Distributor (ARN-126555, registered in the name of Nirav Jashvantlal Khatri).

Fixed income. Company Fixed Deposits, corporate bonds and NCDs carry issuer credit risk and are not insured deposits — repayment depends on the issuer’s financial health, and credit ratings can change over the tenure. RBI Floating Rate Savings Bonds are sovereign-backed with a mandatory 7-year lock-in and no market-linked NAV, but the interest is fully taxable and there is no floor if rates fall.

PMS, AIF and SIF. SEBI-regulated and distributed separately, each with its own eligibility, minimum ticket size and risk profile. PMS and AIF are meant for investors who meet SEBI’s minimum thresholds and have the risk appetite for concentrated, often illiquid strategies.

GIFT City / IFSC funds. Regulated by the International Financial Services Centres Authority (IFSCA), not SEBI. Resident Indians investing through this route do so under the RBI’s Liberalised Remittance Scheme, which caps overseas remittance per financial year and may attract TCS. Schemes are typically USD-denominated, so returns carry currency risk on top of market risk, and minimum ticket sizes and investor-eligibility conditions are set scheme by scheme.

Insurance. Term Life Insurance is regulated by the IRDAI and distributed separately from the mutual fund business. Insurance is a protection product, not an investment.

Loans. RBI-regulated banking/NBFC products facilitated through our lending partners. Sanction, interest rate and terms are entirely at the lender’s discretion and subject to their credit approval process. NK Finserv does not itself lend money.

None of the above guarantees returns or capital protection.

Making Sense Of The Options

Where each product sits on the risk spectrum

A simplified view of relative risk across the categories we help you access — actual risk varies by specific scheme, issuer, and market conditions.

Company FDsFixed coupon, issuer risk
Tax-Free BondsLong tenure, low risk
RBI BondsSovereign-backed, 7-yr
Corp. Bonds / NCDsRating-dependent
Debt Mutual FundsInterest-rate sensitive
Hybrid FundsBlended risk
Equity Mutual FundsMarket-linked
SIFFlexible strategies
PMSConcentrated portfolio
AIFIlliquid, specialised
← Lower risk, lower ticket sizeHigher risk, higher ticket size →
Company FDsFixed coupon, issuer risk
Tax-Free BondsLong tenure, low risk
RBI BondsSovereign-backed, 7-yr
Corp. Bonds / NCDsRating-dependent
Debt Mutual FundsInterest-rate sensitive
Hybrid FundsBlended risk
Equity Mutual FundsMarket-linked
SIFFlexible strategies
PMSConcentrated portfolio
AIFIlliquid, specialised

Why we talk about diversification first

Most portfolios we build combine categories rather than betting on one — spreading risk across equity, debt, and satellite allocations based on your goal and comfort with volatility.

Illustrative only — not a recommended allocation for any individual. Your actual mix depends on your goals, risk profile, and time horizon.

Illustrative Diversified Mix

Sample only — not a recommendation
SamplePortfolio
Equity Funds45%
Debt Funds25%
Hybrid Funds10%
Bonds / NCDs10%
PMS / AIF5%
Liquid Funds5%
Plan With Numbers

Calculators to shape your investment plan

These tools give an illustrative estimate to help you plan — they are not a promise, guarantee, or forecast of actual returns.

₹
years
%
Estimated corpus₹0
InvestedEst. growth
Total amount invested₹0
Estimated wealth gained₹0
*Assumes returns compound monthly at a constant rate — actual mutual fund returns fluctuate with markets and are never guaranteed. This is an illustration, not investment advice.
₹
%
years
%
Estimated corpus₹0
InvestedEst. growth
Final month's SIP amount₹0
Total amount invested₹0
Estimated wealth gained₹0
*A "top-up" or "step-up" SIP increases your monthly investment by a fixed % every year, in line with rising income. Illustrative only, at a constant assumed rate of return — actual returns are market-linked and never guaranteed.
₹
years
%
Estimated corpus₹0
InvestedEst. growth
Amount invested₹0
Estimated wealth gained₹0
*Illustrative compounding at a constant assumed rate. Actual NAV-based returns vary and are subject to market risk.
₹
₹
%
years
Corpus remaining after period₹0
Total withdrawn over the period₹0
Corpus status₹0
*Assumes withdrawals happen monthly while the remaining corpus keeps growing at a constant assumed rate. If withdrawals exceed what the corpus can sustain, the corpus can run out before your chosen period ends — this is illustrative only, not a guarantee.
₹
years
%
Required monthly SIP₹0
Target amount₹0
Total you'd invest₹0
*Shows the approximate monthly SIP needed to reach your target, assuming a constant rate of return. Doesn't account for inflation — see the "Goal Planner (Inflation)" tab for that. Markets don't move in a straight line — actual required amounts may vary.
₹
years
%
%
Required monthly SIP₹0
Goal cost today₹0
Goal cost after inflation₹0
Total you'd invest₹0
*Inflation quietly raises the actual cost of every goal — this first inflates your target to future rupees, then works out the monthly SIP needed to reach that inflated number. Illustrative only, at constant assumed rates.
yrs
yrs
₹
%
Estimated retirement corpus₹0
InvestedEst. growth
Years to retirement0
Total amount invested₹0
*For illustration only. Doesn't account for inflation, expense ratios, taxation or exit load. Please speak with us before finalising a retirement plan.
₹
%
years
Monthly EMI₹0
PrincipalTotal interest
Total interest payable₹0
Total amount payable₹0
*Standard reducing-balance EMI calculation. Actual EMI depends on your lender's rate, processing fees, and any rate resets over the loan tenure — this is illustrative only, not a loan offer.
The Real Cost Of Waiting

Ten years can be worth crores

Same ₹10,000 monthly SIP, same assumed 12% annual return, invested until age 60 — the only difference is a ten-year head start.

₹42L
₹6.50Cr
Start at age 25
₹30L
₹1.90Cr
Start at age 35
Amount invested Corpus at 60
Extra amount invested by starting at 25Only ₹12 lakh more
Extra corpus generated by age 60≈ ₹4.6 crore more
What changedJust 10 years of compounding

*Purely illustrative at a constant assumed 12% p.a. return, compounded monthly, before tax and expense ratio. Actual mutual fund returns are market-linked, fluctuate, and are never guaranteed — this is not a projection or promise of returns.

How It Works

From first conversation to first investment

Nothing is signed before step 2, and nothing is invested before you pick the scheme yourself in step 4.

01

Discovery call

What you’re saving for, by when, and how much market movement you can actually sit through. No products discussed yet.

30 min · free
02

KYC & onboarding

Paperless KYC with PAN, Aadhaar-linked mobile and a bank account in your name. Done once, works across all AMCs.

Usually same day
03

Fund shortlist

A short list mapped to each goal, with the reasoning written down — category, why it fits the timeline, and what could go wrong.

2–3 working days
04

You choose, we set up

You pick from the shortlist. We set up the SIP or lumpsum, mandate and nomination.

Same day
05

Ongoing review

Periodic check-ins as goals, income or markets shift — plus a call from us when something genuinely needs a relook.

Ongoing
Why Us

Do you actually need a distributor?

You can buy mutual funds yourself on any number of apps, and for plenty of people that is the better answer. Here are both routes, cost included.

???
Route one

On your own, through an app

  • Direct plans — the cheapest way to hold a fund
  • Instant, self-service, open at 2am
  • 1,500+ schemes to sort through, mostly by past returns
  • Nobody calls when the market drops 20%
  • Nomination, transmission and stuck redemptions are yours to chase
Cost: lowest available. Over 20 years the direct-plan saving is real money — and if you stay the course, it is yours to keep.
Route two

With NK Finserv

  • A shortlist mapped to each goal, with the reasoning written down
  • A phone call before you panic-sell — most of the value we add
  • Reviews that actually happen, because they are our job not your weekend
  • Bonds, FDs, PMS/AIF and term cover in the same conversation
  • Regular plans, so a higher expense ratio than direct
Cost: nothing billed to you. The AMC pays our commission out of the scheme’s expense ratio, which runs higher than the direct plan of the same scheme. Worth it only if the guidance changes what you do.

Not sure which you are?

Five questions. We’ll tell you straight, even when the answer is “you don’t need us”.

0 of 5 answered

See the full side-by-side, row by row
What changes
Doing it yourself on an app
Working with NK Finserv
Cost to you
Direct plans. Lower expense ratio, because no distributor is paid out of it.
Regular plans. The AMC pays our commission out of the scheme’s expense ratio — which runs higher than the direct plan of the same scheme. Nothing is billed to you separately.
Choosing funds
You filter 1,500+ schemes yourself, usually by past returns and star ratings.
A short list mapped to each goal, with the reasoning written down — and what could go wrong with each.
When markets fall 20%
You decide alone, at the worst possible moment to decide anything.
A phone call before you redeem. Talking someone out of a panic exit is most of the value we add.
Reviews & rebalancing
Happens if you remember to do it.
Scheduled check-ins, plus a call from us when something actually needs attention.
Paperwork
Self-service. Nomination, transmission, and a stuck redemption are your problem to escalate.
A named person handles it. Including the awkward ones — claims, transmission to a nominee, an old folio nobody can trace.
Beyond mutual funds
Whatever that app happens to sell.
Bonds, company FDs, PMS/AIF and term cover discussed in the same conversation, so the pieces fit together.
If something goes wrong
Support ticket, chat bot, and a queue.
A phone number that a person answers, and a written escalation path to AMFI and SEBI.
Free Portfolio Review

Already invested? Let’s look at what you have

Whether you invested through an app, a bank, or another distributor. No switching required, and no cost.

Overlap between funds

Four funds holding the same twenty large-cap stocks is one fund with extra paperwork. We show you how much of your portfolio is genuinely diversified.

Risk against your timeline

Money you need in two years sitting in a small-cap fund is the most common problem we find. So is a 30-year retirement goal parked in a liquid fund.

Long-term underperformers

Against the scheme’s own benchmark and category, over full cycles — not last year’s returns, which tell you almost nothing.

Exit loads and tax before you move anything

A switch that triggers capital gains tax or an exit load can cost more than the problem it fixes. We work that out first and tell you when the answer is to leave it alone.

Housekeeping

Missing nominations, old folios under a former address, inactive SIPs, unclaimed dividends. Dull, and the thing families most regret leaving undone.

What to bring

  1. Your Consolidated Account Statement (CAS) — request it free from camsonline.com or kfintech.com and it reaches your email in minutes.
  2. A rough idea of what each investment was meant to be for, even if the answer is “no idea”.
  3. When you expect to need the money.

We look at what you hold and explain it. Nothing is switched, redeemed or started without you asking for it. Reviewing a portfolio you keep exactly as it is, with another distributor, is a normal outcome and costs you nothing.

Book a free call
Client Experiences

What investors say about working with us

“

I’d been keeping money idle in a savings account for years. Nirav sat with me, understood my goals, and helped me start my first SIP — and actually explained what I was investing in and why, not just where to sign.

A
Amit S.Salaried Professional
“

We wanted to start planning early for our daughter’s higher education. NK Finserv mapped out a goal-based plan with a clear target amount and timeline, instead of just recommending random funds.

R
Rina & Deepak M.Business Owners
“

What I value most is the periodic review — my portfolio isn’t a ‘set and forget’ folder. NK Finserv reaches out when something needs a relook, not just at renewal time.

S
Sanjay P.IT Professional
“

Beyond mutual funds, I also moved some surplus into corporate bonds and a term plan on Nirav’s advice. Having one person who understands my full financial picture makes decisions much easier.

K
Kavita J.Healthcare Professional

*Sample testimonials shown to illustrate format — to be replaced with genuine, consented client feedback before publishing. Individual experiences vary and are not a guarantee of similar outcomes or returns for any other investor.

Questions

Frequently asked questions

The things people most often ask before their first conversation with us.

NK Finserv is registered with AMFI as a Mutual Fund Distributor (ARN-126555), not a SEBI-Registered Investment Adviser. We help you access and understand mutual fund products and may provide incidental advice limited to those products, as permitted under applicable regulations. For holistic investment advisory services, you may wish to consult a SEBI-registered Investment Adviser separately.

We earn distribution commission (upfront/trail, as applicable) from the Asset Management Companies whose schemes we distribute. This does not add to your cost as an investor — it is paid by the AMC out of the scheme’s expense ratio. A full commission disclosure statement is available on request.

Most schemes allow a SIP from a few hundred rupees a month and lumpsum investments from a small minimum set by the AMC. The right starting amount depends on your goal and timeline rather than the scheme minimum — we work that out with you on the first call.

KYC is usually completed online in a single sitting with your PAN, Aadhaar-linked mobile number and a bank account in your name. Once your KYC is validated, the same record works across all AMCs, so you only do it once.

Yes. A SIP is not a lock-in — you can pause it, change the amount or date, or stop it altogether, subject to each AMC’s notice period. ELSS schemes are the exception: each instalment carries a statutory 3-year lock-in.

No. The calculators on this website are for illustration only, based on the constant rate of return you enter. Actual mutual fund returns depend on market performance, are never guaranteed, and past performance is not indicative of future results.

Please read the Scheme Information Document (SID), Statement of Additional Information (SAI) and Key Information Memorandum (KIM) of any scheme carefully before investing. These are available on the respective AMC’s website and on amfiindia.com.

Write to us directly at nirav@nkfinserv.com. If it remains unresolved, you can approach AMFI, or use SEBI’s SCORES portal (scores.sebi.gov.in) or the SEBI-recognised Online Dispute Resolution platform (smartodr.in) for redressal.

No Small Print

How we get paid, and what we won’t do

The two questions people are too polite to ask. Here are the answers before you book.

You don’t pay us

We’re paid a distribution commission by the Asset Management Company whose scheme you invest in. It comes out of the scheme’s expense ratio — there is no separate charge added to your investment, and no fee for the call, the review, or the planning.

Commission rates do differ between schemes, so a conflict of interest can exist in principle. Our answer to that is simple: ask us what we earn on anything we suggest, and we’ll tell you. The full scheme-wise statement is free on request.

No spam, ever

Your number and email are used to reply to you — nothing else. We don’t sell, rent or share your details with anyone outside what a transaction you asked for actually requires.

No bulk marketing blasts, no daily fund tips, no unknown numbers calling you. One person replies, and if you’d rather we stopped, say so once and we stop.

No pressure on the call

It’s a conversation, not a pitch. No forms to sign, no KYC, no “limited period” anything. You can end it with nothing started and that’s a perfectly normal outcome.

If mutual funds aren’t the right answer for what you’re trying to do — a short-term goal, an emergency fund, cover you need instead of growth — we’ll say so.

One thing we can’t promise: returns. We’re AMFI-registered distributors (ARN-126555), not a SEBI-Registered Investment Adviser, and markets do what they do. More in the FAQs →

Book A Slot

Book a call

Tell us when suits you. We’ll call to confirm and send a calendar invite — usually within one working day.

NK
Nirav Jashvantlal Khatri ARN-126555 · 19+ years

You’ll be speaking to Nirav directly. No call centre, no junior passing you along, no one reading from a script.

30 minutes Free Phone or video

We’ll call or WhatsApp you within one working day to confirm the slot and send a calendar invite. No payment, no documents, no obligation.

What we’ll cover

  • What you’re saving for, and by when
  • A look at anything you already hold, if you have a CAS handy
  • What fits your timeline — and what plainly doesn’t
  • Any question you’ve felt silly asking elsewhere

What you don’t need

  • No documents, no KYC, no PAN on the first call
  • No payment, and no card details ever
  • No commitment to invest anything afterwards
  • No follow-up calls if you’d rather we didn’t
Get In Touch

Let's map your next financial goal

Tell us a little about your goal and we'll get back within 1–2 business days. No obligation, no pressure.

Office

112, Shukra building, Gaushala Lane, off Daftary Road, Malad East, Mumbai, Maharashtra – 400097
View on Google Maps →

Phone / WhatsApp

+91 97020 73755  ·  Chat on WhatsApp

Office hours

Monday to Saturday, 10:00 AM – 7:00 PM
Sunday & public holidays: closed

Send us a message

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By submitting, you agree to be contacted by NK Finserv (ARN-126555) regarding mutual fund products. This is not a request to buy or sell any security.

Track your portfolio on the app

Check holdings, start or pause a SIP, and pull statements — on Android and iPhone.

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