We sell only 1 thing,
the truth about your money.

Mrigashira is a fee-only financial advisory practice registered with SEBI, which is the government body that regulates investment advisers in India. In simple words, we look at your whole money life, your investments, your insurance, your credit cards, your loans, and your retirement, and we tell you honestly what is working, what is not, and what to do about it.

The most important thing to know about us is how we earn. The only person who pays us is you. We do not earn a single rupee from any fund house, insurance company, or bank, so we have no reason to push any product at you. As a SEBI registered adviser we are also legally bound to act in your interest, not ours.

You start with our free assessment. It takes about 9 minutes and it describes the biases behind what you actually do with money, as opposed to what you know you should do. After that we sit down for a discovery meeting where we understand your current position and your goals in depth, and then we build 1 plan that covers all 5 areas of your financial life. Your risk profile is completed properly at that stage, as part of onboarding. The assessment is free, so you can see how we think before you pay us anything.

Most people think they know how they will behave, until the market falls 30% and the urge to sell everything kicks in. Money decisions are driven by emotions, not just logic so before we advise you we want to understand how you actually react to gains and losses. That is what the assessment describes. It is free and it takes about 9 minutes. It is not a risk profile: that is a separate exercise completed when you become a client, because a risk profile is something we are required to do properly and have you agree to.

Your plan covers 5 areas that together complete your financial life: your investments, your insurance, your credit cards, your loans, and your retirement. We look at all of them together, because they affect each other, there is no point in a great investment plan if a costly loan is quietly eating it up.

To be fully honest about what we do not do: we do not file your income tax returns and we do not draft wills. When you need those, we will tell you plainly and point you in the right direction, instead of pretending to be experts at everything.

Your adviser is CA Anushri Shukla, the founder of Mrigashira.She is a qualified Chartered Accountant from ICAI and a SEBI Registered Investment Adviser. Before starting Mrigashira she worked as a credit analyst at India Ratings & Research, which is part of the Fitch Group, where her job was to study the financial health of large companies. The same discipline that goes into rating a ₹500 crore bond goes into reviewing your portfolio. And you work with her directly, not with a rotating team.

The engagement runs for a full year and during that year you can bring questions to us as they come up in your life, a new job offer, a loan decision, an insurance policy someone is pushing on you. We also review your plan and course-correct it as your life and the markets change. We do not do 1-off consultations, because real financial decisions do not happen in 1 meeting.

Our fee is a single flat fee for a full year of advice, billed once a year. That is the only money we make. There are no commissions, no hidden charges, and nothing extra added later. The assessment you start with is completely free. You can see exactly what the fee covers in your advisory agreement, before anything begins.

No, and this is the whole point of Mrigashira. We do not sell mutual funds, insurance policies, or any other product, and we do not earn commissions from anyone. We only give advice, and we always recommend direct plans, which are the versions of funds that do not carry a commission inside them. Because nobody pays us except you, our advice has only 1 job, to be right for you.

To advise you properly we need to see your full picture, your income and expenses, your existing investments, your insurance policies, your loans, and your credit cards. You share this with us directly during the discovery meeting, at your own pace. We would rather ask you honest questions than guess, because advice built on half a picture is half advice.

No. You do not need to open a demat account, buy anything, or move any money to start with us. We are not selling you products, so there is nothing to set up. We start by understanding what you already have, and many of our recommendations are about fixing what exists, not buying something new.

A CA files your taxes and manages your accounts, and that is important work. But most CAs do not sit with you and plan your investments, check whether your insurance actually protects your family, tell you if a loan should be closed before you invest, or work out the retirement corpus you need. That planning work is what we do, and it helps that your adviser here is herself a Chartered Accountant, so she speaks the same language as your CA and can work alongside them.

Yes. Whatever you share with us is used for 1 purpose only, building and managing your financial plan. We do not sell your data, we do not share it with anyone, and as a SEBI registered adviser we are required by regulation to keep client information confidential. Your trust is literally the only asset this practice runs on, and we treat it that way.

No. We do not do cold calls, we do not send marketing blasts, and we will never pass your number to anyone. If you contact us, we reply to what you asked, that is it. Honestly, we dislike spam calls as much as you do; half our job is protecting clients from people who got their numbers this way.

Not directly, and we would rather tell you that upfront than oversell. We advise on the 5 areas we are best at, investments, insurance, credit cards, loans, and retirement. When your situation needs a tax filing expert or a lawyer for a will, we will say so clearly and help you understand what to ask them. Good advice includes knowing where our job ends.