# Pranamya > Pranamya Financial Services is a SEBI Registered, fee-only Investment Adviser (Reg. No. INA000013800) based in Nagpur, Maharashtra, serving families and NRIs across India. As a fee-only Registered Investment Adviser (RIA), Pranamya earns no commissions from any fund house, bank, or insurance company and is legally bound to act solely in the client's best interest. The firm's founder holds three of the most demanding global finance credentials — CFA, CQF, and FRM — and offers research-driven, quantitative financial planning, investment advisory, mutual fund health checks, retirement planning, and insurance consultation. ## Pages - [Services](https://pranamya.in/services/): SEBI REGISTERED · FEE-ONLY · CLIENT-FIRST Financial Advisory Services Designed Around Your Life Whether you’re building wealth, planning for retirement,... - [Tax Planning](https://pranamya.in/services/tax-planning/): SEBI Registered · Fee-Only · Strategic Tax Planning Smart Tax Planning That Helps You Keep More of What You Earn... - [Calculators](https://pranamya.in/calculators/): Human Life Value (HLV) Calculator Find out how much life insurance cover your family may truly need Discover Your Retirement... - [Disclosure](https://pranamya.in/disclosure/): Disclosure Last Updated: April 2026 At Pranamya Financial Services, transparency and trust are at the core of everything we do.... - [Accessibility Statement](https://pranamya.in/accessibility-statement/): Accessibility Statement Last Updated: April 2026 At Pranamya Financial Services, we believe that good financial advice should be accessible to... - [Terms of Use](https://pranamya.in/terms-of-use/): Terms of Use Last Updated: April 2026 Welcome to Pranamya Financial Services. By accessing or using our website at pranamya.... - [SEBI Compliance](https://pranamya.in/sebi-compliance/): Complete Transparency. Zero Conflict of Interest . 100% On Your Side SEBI Registered Investment Adviser in Nagpur Compliance isn’t just... - [Investment Advisory](https://pranamya.in/investment-advisory/): Investment Advisory Services Smart Investment Strategies to Grow and Protect Your Wealth Investing without a strategy can lead to missed... - [Holistic Financial Planning](https://pranamya.in/services/holistic-financial-planning/): SEBI Registered · Fee-Only · Conflict-Free Financial Advice Holistic Financial Planning: Your Complete Financial Life, Planned with Purpose Most Indians... - [Retirement Planning](https://pranamya.in/services/retirement-planning/): Maharashtra & Central India's Trusted Retirement Planners Plan Today for a Financially Secure Retirement Retirement should be the reward for... - [Mutual Fund Health Check](https://pranamya.in/services/mutual-fund-health-check/): Mutual Fund Portfolio Check in Nagpur Free Portfolio Review for Maharashtra & Central India Investors Is Your Mutual Fund Portfolio... - [Financial Consultation](https://pranamya.in/services/financial-consultation/): Book a financial consultation in Nagpur with Pranamya Financial Services. Sit down with SEBI-registered advisors for transparent, fee-only guidance tailored to your money goals. - [Home](https://pranamya.in/): Pranamya Financial Services is a SEBI registered, fee-only investment advisor in Nagpur, led by a CFA, FRM and CQF charterholder. No commissions — only transparent, conflict-free advice. - [Insurance Consultation](https://pranamya.in/services/insurance-consultation/): Insurance Consulting Services in Nagpur Unbiased Insurance Consultation to Secure Your Family’s Financial Future Insurance isn’t just about a policy... - [Privacy Policy](https://pranamya.in/privacy-policy/): Privacy Policy Last Updated: April 2026 At Pranamya Financial Services, your privacy is not just a legal requirement — it... - [Contact Us](https://pranamya.in/contact-us/): 01 Contact No. +91 8408807770 02 Email Address hrushikesh@pranamya. in 03 Opening Hours Mon – Sat, 10 am – 6 pm |... - [Portfolio](https://pranamya.in/our-portfolio/): Financial Analysis Finance Corporate Audit Consulting Capital Markets Professional Accounting Advisory Consulting,Investing Business Strategy Finance,Investing Market Research Consulting,Professional - [Testimonials](https://pranamya.in/testimonials/): Partnering with this financial consulting team was a game-changer for our business. Their expert guidance on cash flow management and... - [Our Team](https://pranamya.in/our-team/): The Expertise Behind Your Wealth Experience the Rigor of a Tech-Forward SEBI Registered Investment Advisor True wealth management isn’t just... - [Faq](https://pranamya.in/faq/): Answers You Can Trust Transparency Is the Foundation of Every Strong Financial Partnership Navigating the world of financial planning, investment... - [Blog](https://pranamya.in/blog/) - [About Pranamya](https://pranamya.in/about-pranamya/): Meet the Founder The Architect of Quantitative Wealth Strategies Hrushikesh Kale Founder & Principal Advisor Professional Qualifications: CFA (chartered Financial... ## Posts - [How Much Money Do You Need to Retire in India? A Step-by-Step Guide](https://pranamya.in/retirement-planning/how-much-money-do-you-need-to-retire-in-india-a-step-by-step-guide/): Retirement Planning in India starts with knowing how much money you'll need after retirement. Learn how to calculate your retirement corpus, beat inflation, and build long-term wealth with Pranamya. - [Best Tax Saving Investments Under Section 80C in India: Complete 2025–26 Guide](https://pranamya.in/tax-planning/best-tax-saving-investments-under-section-80c-in-india-complete-2025-26-guide/): Introduction Every year, between January and March, millions of salaried Indians scramble to submit investment proofs to their HR departments.... - [How to Start Investing in Mutual Funds in India: A Complete Beginner's Guide (2026)](https://pranamya.in/mutual-funds/how-to-start-investing-in-mutual-funds-in-india-a-complete-beginners-guide-2026/): Introduction You earn every month. You spend a part of it. You save a little. But here is the uncomfortable... - [Retirement Planning in India at 30, 40 and 50: How Much Do You Really Need?](https://pranamya.in/retirement-planning/retirement-planning-in-india-at-30-40-and-50-how-much-do-you-really-need/): Introduction Most Indians think about retirement the same way they think about old age — something distant, something that will... - [SEBI Registered Investment Advisor vs Mutual Fund Agent: What's the Difference?](https://pranamya.in/uncategorized/sebi-registered-investment-advisor-vs-mutual-fund-agent-whats-the-difference/): Introduction Imagine you walk into a bank and ask a relationship manager which mutual fund you should invest in. They... # # Detailed Content ## Pages ## Posts