Smart Money Decisions. Simplified.
I help salaried professionals and NRIs build wealth through mutual funds, insurance planning, and tax-efficient strategies — with honest advice, not sales pitches.
Personalized, regulation-compliant financial solutions — whether you're starting out or optimizing an existing portfolio.
SIP setup, portfolio construction, fund selection, and quarterly reviews. Goal-based portfolios for retirement, education, and wealth creation.
SIP · Lump Sum · Goal-BasedLife, health, and term plan optimization. I review existing policies, find gaps, and recommend the right coverage — no overselling.
Term Life · Health · Critical IllnessEMI optimization, prepayment strategies, balance transfer analysis, and PMAY eligibility. Make your biggest decision with clarity.
EMI Planning · Prepayment · TransferMaximize post-tax returns through ELSS, LTCG optimization, tax-loss harvesting, and strategic fund selection.
ELSS · LTCG Planning · Tax SavingCustomized plans for retirement corpus, children's education, emergency fund building, and wealth preservation.
Retirement · Education · EmergencyAlready investing? I'll audit for hidden costs, underperforming funds, and tax inefficiencies. Many clients save lakhs after one review.
Free First Review · Quarterly TrackingInvesting in India from abroad? I specialize in helping NRIs navigate TCS, FEMA compliance, NRO/NRE accounts, and tax-efficient remittance.
Understand and reclaim the 20% TCS on LRS remittances. Structure transfers to minimize deductions legally.
KYC, fund selection, repatriation planning — I handle the entire process for NRIs investing in Indian mutual funds.
Ensure your India investments comply with RBI/FEMA rules and leverage Double Tax Avoidance Agreements.
Optimize your account structure for seamless investments, repatriation, and tax efficiency across borders.
Real reviews from Topmate — 36 five-star ratings
"Talking about personal finances is incredibly challenging but talking to Gaurav was easy. I resonated well with his perspective on money as a resource, how to invest mindfully. Going by his knowledge, clarity of thought and trust, I highly recommend those wanting to take better control of their savings to get in touch with Gaurav."
"He's an amazing person — providing such valuable inputs without taking any charges, definitely showcases the personality he holds. Rather than sugarcoating, he called out the reality of investments, the returns I can expect, and suggested major scheme changes for the long run. Thank you so much."
"Your way of talking in the first meeting looks like we both have been friends for long. Clear explanation for investing and tax planning for NRI. Highly recommended."
I'm an AMFI-certified Mutual Fund Distributor and IRDAI-licensed Insurance Professional. I believe good financial advice shouldn't be complicated, expensive, or reserved for the wealthy.
I work with salaried professionals, young families, and NRIs to build long-term wealth through simple, transparent strategies. No jargon. No hidden commissions. Just honest guidance.
You can also find me simplifying personal finance on Instagram, YouTube, and LinkedIn — weekly content on SIPs, insurance, home loans, and NRI investing.
Book a free 15-minute consultation. No pressure, no sales pitch — just a quick chat to understand your situation.
Quick queries & bookings
gaurav@sandpfin.com
@gauravonfinance