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✦ AMFI-registered Mutual Fund Distributor  ·  ARN293004

We Don't Sell Products.
We Build Financial Systems.

Every service at Finaura™ is built around your specific life goals — not commissions, not product quotas. Your plan is always yours alone.

What We Do

Six Outcome-Based Services

Each service is mapped to a specific financial outcome in your life — not a product to sell. Finaura™ is a goal-based financial advisor and mutual fund distributor in Ludhiana, Punjab.

Our Process

The 5-Step Wealth Framework

A clear, repeatable process — from first conversation to long-term partnership.

I
Financial Understanding

Complete analysis of income, expenses, assets, liabilities and existing investments.

II
Goal Mapping

Define specific, time-bound goals with accurate inflation-adjusted cost projections.

III
Strategy Building

Custom SIP, lumpsum and insurance strategy aligned to each goal's timeline and surplus.

IV
Implementation

Complete handholding through KYC, account setup and first investment activation.

V
Ongoing Monitoring

Quarterly reviews, rebalancing and goal tracking. Your plan adapts as your life does.

Long-Term Partnership

We're your financial partner for decades. Wealth building is a lifelong journey.

Who We Work With

Built for Every Stage of Life

Finaura™ serves Indian families wherever they are in their financial journey.

👨‍💼
Salaried Professionals

Earning well but investments scattered. We bring structure and purpose to every rupee.

👨‍👩‍👧‍👦
Young Families

Balancing EMIs, child expenses and future goals. We build a plan that manages all three.

🎓
First-Time Investors

Just started earning? We make your first SIP the right one — with a plan behind it.

🏢
Business Owners

Irregular income, no PF. Plans designed specifically for variable cash flows.

🏖️
Pre-Retirees (45–55)

10 years from retirement and realising the corpus needs work. We build a catch-up plan.

🌱
NRIs & Returnees

Investing back in India. NRE/NRO, repatriation, tax implications — we guide you clearly.

👨‍💼
Salaried Professionals

Earning well but investments scattered. We bring structure and purpose to every rupee.

👨‍👩‍👧‍👦
Young Families

Balancing EMIs, child expenses and future goals. We build a plan that manages all three.

🎓
First-Time Investors

Just started earning? We make your first SIP the right one — with a plan behind it.

🏢
Business Owners

Irregular income, no PF. Plans designed specifically for variable cash flows.

🏖️
Pre-Retirees (45–55)

10 years from retirement and realising the corpus needs work. We build a catch-up plan.

🌱
NRIs & Returnees

Investing back in India. NRE/NRO, repatriation, tax implications — we guide you clearly.

Pricing

Transparent Fee Structure

Aligned with your success — not with products sold.

Mutual Fund Distribution
Commission
Based
AMC pays us · You pay nothing direct
  • No upfront or annual charges to you
  • Finaura earns trail commission from AMCs (AMFI regulated)
  • Commission rates disclosed as per AMFI norms
  • All transactions on BSE Star MF / NSE Invest platform
Insurance Advisory
Commission
Based
IRDAI regulated · Zero cost to you
  • Term & health insurance needs analysis
  • Product comparison across insurers
  • IRDAI regulated commission structure
  • Claim assistance guidance
  • Annual cover review

All fee structures disclosed per AMFI & IRDAI regulations. Finaura acts as a Mutual Fund Distributor (not an Investment Adviser) — ARN293004.

Questions

Common Questions

Everything you want to know before your first consult with Finaura™.

You can start with as little as ₹500/month. The right amount depends on your goal amount, timeline and expected return. We calculate the exact SIP required for each of your goals — so you invest with purpose, not randomly.

Both. We serve clients across Ludhiana and Punjab in person, and clients across India via video call and WhatsApp. Distance is never a barrier to a proper financial plan.

A fund house only sells their own funds. Finaura™ has access to 40+ AMCs and selects funds purely on your goals and risk profile. More importantly, we give you a complete plan behind every investment — not just a product.

Yes. Switching your distributor (ARN) has zero cost to you. Your NAV, units and returns remain unchanged. We handle all the paperwork. We also review your existing portfolio first.

For KYC: PAN card, Aadhaar card, cancelled cheque, and a passport photo. If you're already KYC-verified (most people are), you can start immediately. We guide you through every step.

All investments are held in your name on BSE Star MF / NSE Invest platforms. You get email confirmations for every transaction. We also provide quarterly portfolio summaries and are available on WhatsApp between reviews.

Short-term market falls are normal and expected in equity mutual funds. A goal-based SIP is designed to stay invested through volatility — this is actually when you accumulate more units at lower prices. We help you understand this before you invest, so you don't make panic decisions when markets dip.

All mutual fund investments allow you to add a nominee at the time of investing. In the event of your passing, the units are transferred to your nominee directly — no court process needed. We guide you through proper nomination during onboarding so your family is always protected.

As an AMFI-registered distributor (ARN-293004), Finaura™ earns a trail commission from the AMC — a small percentage of your invested amount paid by the fund house, not deducted from your returns. This is the standard distributor model regulated by SEBI and AMFI. You can verify our ARN on the AMFI website at any time.

Ready to Build Your Financial Plan?

No obligation. No sales pitch. Just clarity about your money.

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

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