Financial Advisory · Mumbai
I'm Ajit — a Chartered Accountant who works with individuals, families, and business owners on the investment, insurance, and planning decisions that actually move the needle. Not selling products. Thinking through your financial picture, properly.
Before this practice, I spent several years doing equity research — reading balance sheets, building models, understanding what actually makes a business work. That background shapes how I approach client portfolios. I'm not guessing at which fund to recommend.
What I've noticed over time: most financial problems aren't complicated. They're just unaddressed. People have rough goals in their head — retire by 55, build something for the kids, not have to worry about a hospital bill — and no structured plan to actually get there. That's the gap I try to fill.
I work on investments, insurance, and long-term planning together, because they're not actually separate decisions. A good insurance structure frees up capital for growth. A well-structured portfolio reduces the panic when markets fall. It should all connect.
"Good financial decisions aren't clever — they're consistent. The hard part is having someone keep you honest about that over years." — Ajit Darda
My equity research background means I'm not just looking at star ratings. Fund selection involves understanding what's actually inside the portfolio.
Most distributors recommend what's popular or what the AMC is pushing that month. My background is in equity analysis — I know how to read a fund's portfolio, assess a manager's track record, and understand when a 'five-star' rating is hiding something uncomfortable. That discipline shows up in every recommendation.
Bull runs make everyone look smart. The real test is whether the strategy still makes sense when things get uncomfortable. I build plans designed to hold through cycles — because compounding only works if you stay in the game. I'd rather be boring and right than exciting and wrong.
Commission structures in financial services are genuinely confusing, and that's not an accident. I'm upfront about how I'm compensated and what that means for my recommendations. If there's a conflict, I'd rather flag it than pretend it doesn't exist.
Most investment advisors aren't trained in tax. Most tax advisors aren't fluent in investments. That gap is expensive. Being a CA means I can look at the full picture — how an investment is taxed, how it fits into your broader financial structure, whether there's a smarter way to hold it.
The first conversation is usually just me trying to understand what's going on — what you have, what you're trying to do, what's keeping you up at night. After that, here's roughly how it goes.
Income, liabilities, existing investments, insurance, goals, timeline, and risk tolerance. Not a form — an actual conversation. I want to know how you think about money, not just the numbers.
This usually takes one or two sessions.I map your goals to instruments — which products, in what proportion, over what timeline. Tax efficiency, liquidity needs, and insurance gaps all get factored in. The plan is written out, not just verbal.
You'll have something you can actually review and question.Implementation happens at the right pace, in the right sequence. No rushing to deploy everything at once, no chasing recent performance. Each step has a reason.
Markets change. Life changes more. I stay in touch — at least annually, or when something significant shifts. Rebalancing when allocation drifts, not when markets panic.
Most of the value is here, in the follow-through.These are rough estimates — useful for framing a goal, not replacing a real plan. Use them as a starting point.
₹5,000 a month at 12% for 20 years becomes about ₹49 lakhs. Most people are surprised how much the last few years add. See where you stand.
Run the numbersIncreasing your SIP by 10% every year can double your final corpus. See how even small annual increments create a significant impact over time.
Calculate growthEvery year you wait costs more than you think. Compare what you'd accumulate if you started today versus 1, 2, or 5 years later.
See the cost of waitingThe number people need is usually larger than they think, once inflation and healthcare costs are accounted for. Figure out yours honestly.
Find your corpusCollege fees are inflating faster than most things. A 3-year-old's education could cost 3× what it costs today. Worth planning for now.
Plan aheadA planned wedding fund grows far more efficiently than a last-minute scramble. Estimate how much you need to set aside each month, starting now.
Start planningWhether it's a Europe trip in 2 years or a world tour in 5, building a dedicated vacation corpus means you go debt-free.
Plan your tripYou don't need to have everything figured out before reaching out. Most people come with a rough idea of what they want to sort out — retirement, insurance gaps, where to put a lump sum — and we work from there.
First call is always free. No pitch, no pressure. If it seems like a good fit, we'll figure out the next step together.
Contact meOr email if you prefer writing things out first — ca.ajitdarda1@gmail.com. I reply personally.