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✦ AMFI-registered Mutual Fund Distributor  ·  ARN293004

Your Salary Deserves a Plan — Not Random SIPs.

Most Indians earn well but invest without direction. Finaura™ builds disciplined, goal-based investment systems for Indian salaried families — with clarity at every step.

Planning Tools

45 minutes  ·  No sales pitch  ·  No obligation  ·  Free

500+
Families Served
40+
AMC Partners
15
Planning Tools
Akash Sharma — Finaura™ Investment Advisor, Ludhiana
Ludhiana, Punjab
Finaura™ Investment Solution
AMFI Registered · ARN293004
40+ Fund Partners ’
SBI MFHDFC MFICICI PrudentialAxis MFKotak MFNippon India MFMirae AssetDSP MFAditya Birla SLUTI MFTata MFMotilal OswalParag ParikhFranklin TempletonQuant MFQuantum MFBandhan MFNJ MFGroww MFTrust MFSBI MFHDFC MFICICI PrudentialAxis MFKotak MFNippon India MFMirae AssetDSP MFAditya Birla SLUTI MFTata MFMotilal OswalParag ParikhFranklin TempletonQuant MFQuantum MFBandhan MFNJ MFGroww MFTrust MF
Our Philosophy

Every Rupee Must
Have a Purpose

Most Indians earn well but invest without direction — random SIPs, idle savings, missed goals. We build financial systems mapped to your life, not a generic template.

500+
Families guided
6+
Years in practice
100%
Goal-based
01
Goals before products
We never open with a fund name. Every conversation starts with where you want to be.
02
Discipline over timing
Markets are unpredictable. Systems aren't. We build habits that hold through volatility.
03
Clarity at every step
You always know where your money is — and exactly why it's there.

Most investors recognise the first three principles. The fourth one is the one that actually changes financial behaviour — and we only share it in person.

Read our full story
Our Process

The 5-Step
Wealth Framework

A structured, repeatable process — every rupee has a plan and a purpose. Most people never reach steps 4 and 5. That's where the real compounding happens.

5
Defined steps
45 min
First session
Quarterly
Reviews
1
Discover
We start with a 45-minute conversation — not a form. We understand your income, existing savings, family goals, and the timeline you're working with before suggesting anything.
2
Map
Every goal gets its own investment lane — retirement, education, home purchase, or emergency fund. We build a written roadmap so you always know where each rupee is going and why.
3
Invest
We select the right funds for each goal, set up automated SIPs, and handle the paperwork. You invest directly with the AMC — your money never passes through us.

Steps 4 and 5 are where 90% of investors stop — and where 80% of the long-term compounding actually happens. See what they're missing.

See the complete framework
What We Do

Six Outcome-Based
Services

Every service is built around a specific outcome — not a product. A home, a retirement, your child's future. Two of our most-requested services are ones most people never think to ask for.

6
Services
40+
Fund partners
AMFI
ARN-293004
SIP Planning
Goal-mapped, automated monthly investing
ELSS Tax Saving
Save up to ₹46,800 in taxes every year
Retirement Corpus
Build financial independence before 60
Child's Education
Beat 10–12% education inflation

The two services we haven't shown you? Most clients only discover them after a portfolio review — and they're often the most valuable ones.

See all six services
Planning Tools

15 Calculators.
Built for Clarity.

Know your numbers before your first conversation. Most people are surprised by what the SIP calculator reveals — the gap between what they're investing and what they actually need.

15
Calculators
Instant
No login needed
SIP Calculator
Monthly investment projections
ELSS Tax Saver
Maximise your 80C deductions
Retirement Planner
Your corpus number, calculated
Education Cost
Future tuition after inflation

Most people who run the SIP calculator are surprised by the number — it's almost never what they expected. Try it before your first conversation with us.

Open all 15 calculators
Client Stories

Real People. Real Plans. Real Results.

Built with discipline and clarity — not luck, not market timing.

✦ SIP · ₹5,000/mo → ₹9.8L in 4 years
"

I was a fresh graduate with no idea where to start. Finaura™ helped me set up my first SIP with a clear goal — my daughter's education. For the first time, I actually understand where my money is going and why.

★★★★★
B
Brahmdeep Singh
Salaried Professional · Ludhiana
✦ Verified Client
✦ Goal Planning · 2 goals, 1 structured plan
"

We wanted to plan for our children's education and our retirement but didn't know how to balance both. The 5-step framework gave us a structured plan — now we invest with confidence every month.

★★★★★
R
Rakesh & Sunita Kumar
Business Family · Ludhiana
✦ Verified Client
✦ Portfolio Review · Reduced 6 funds → 3, saved costs
"

I had random SIPs running for years with no idea if they were right for me. Finaura™ reviewed everything, found major fund overlap, and built a proper goal-mapped plan. The difference is night and day.

★★★★★
P
Priya Sharma
IT Professional · Ludhiana
✦ Verified Client
✦ First SIP · Retirement plan — finally started
"

As a government teacher, I always thought investing was only for people earning more. Akash sir explained everything clearly — my first SIP started within a week and for the first time I have a proper retirement plan behind it.

★★★★★
H
Harpreet Singh
Government Teacher · Moga
✦ Verified Client
✦ Retirement + Child Education · Dual goal plan built
"

I help students plan their futures every day but my own financial planning was scattered. Finaura™ built a complete plan — retirement, children's education, and the right insurance cover. The clarity I should have had years ago.

★★★★★
P
Parvinder Nagi Saraan
School Principal · Moga
✦ Verified Client

These aren't cherry-picked. Every story on this page came from a client referral — no incentive to share, just a result worth talking about.

See how we can help
Finaura™ Empowerment Program

Not Earning Yet?
There's a Place
for You Here.

For students, homemakers, career changers, and aspiring advisors — grow with real knowledge and real income potential. No finance background needed to begin.

4
Programs
NISM
Exam guidance
Students & Freshers
Start building wealth before your first salary
Homemakers
Earn independently. Advise families. Build a career.
Career Changers
A structured new path — with mentorship built in
Aspiring MFDs
AMFI guidance, ARN support, hands-on training

One of our highest-performing advisors today started as a homemaker with no finance background and no prior experience. She asked the same question you're asking now.

Explore all programs
Questions

Common Questions,
Answered Clearly

We believe every client deserves straight answers before they make any decision. Below are the questions we are asked most often — about safety, process, fees and how we work.

15
Questions covered
Honest
No sales language

Your money never passes through Finaura™. You invest directly with the AMC (fund house) via BSE Star MF or NSE Invest — SEBI-regulated platforms. We are an AMFI-registered distributor (ARN-293004) and act only as a guide, not a custodian of your funds.

Most mutual funds allow SIPs starting at ₹500/month. But more important than the amount is starting with a goal in mind — even a small, goal-linked SIP grows more purposefully than a large, random one. We help you find the right starting number for your situation.

For most open-ended equity funds, yes — you can redeem units at any time. ELSS funds have a 3-year lock-in per instalment, which is the trade-off for the tax benefit. We always structure your portfolio with liquidity in mind so you're never locked when you need funds.

Our first consultation is always a conversation — no charges, no commitment. We earn a distributor commission from the AMC when you invest, which is already built into the fund's expense ratio. There are no separate advisory fees or hidden charges on your end.

Missing one or two SIP payments doesn't cancel your SIP or attract a penalty. The instalment is simply skipped. However, consistent interruptions affect your corpus over time. We monitor your SIPs and alert you before a pause becomes a problem.

This is the question we hear most often — and the answer is almost always no. Whether you're 28 or 52, the best time to build a plan is now. The amount and timeline will be different, but a goal-mapped investment strategy works at any stage. We've helped people start at 50 and still build meaningful retirement security.

The question we get asked most often isn't about SIPs or returns. It's: "Is it too late for me to start?" — and the answer might surprise you.

Read all 15 answers
Insights

Learn Before
You Invest

The best financial decisions start with understanding. In-depth guides on SIPs, tax saving and retirement — written for salaried Indians, not finance professionals.

In-depth
Plain language
5 min
Average read
SIP
What is a SIP — and why it works better than a lump sum for salaried people
5 min · Beginner
 Tax
ELSS vs PPF vs FD — which actually saves you more tax?
7 min · Intermediate
 Retire
How much corpus do you actually need to retire in India?
6 min · Planning

The retirement corpus article is the one most people skip. It's also the one that changes how they think about every other investment decision.

Ask us anything
Get in Touch

Let's Start a Real Conversation About Your Money.

Leave your details and we'll call you back within one business day — no waiting, no automated replies. Just Akash, ready to help.

✦ No cold calling. We only call when you ask us to.
✦ No sales pressure. We listen first, suggest second.
✦ No spam. Your details stay with Finaura™ only.
✦ Response in 24 hours on all business days.

By submitting, you agree to be contacted by Finaura™ Investment Solution. We do not share your data with third parties. DPDP Act 2023 compliant.

✦

We'll call you soon.

Thank you for reaching out. Akash will personally call you within one business day at your preferred time.

Ready to Build a Real Financial Plan?

No obligation. No sales pitch. Just an honest conversation about your money and your goals.

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AMFI-registered Mutual Fund Distributor  ·  ARN293004  ·  Ludhiana, Punjab

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