MrigashiraPersonal Financial Planning
We advise on 1 thing, your entire financial life, end to end.
1 service. A full year as your adviser.
The assessment is free.
What your year covers
- 1 plan across investments, insurance, credit cards, loans, and retirement
- A dedicated adviser, a Chartered Accountant, not a rotating team
- Direct plans only, so no commission is ever taken from your money
- Reviews and course-correction as your life and the markets change
What is personal financial planning?
In simple words, it is looking at all your money decisions together instead of 1 at a time. Your investments, your insurance, your credit cards, your loans, and your retirement all affect each other, a costly loan can quietly undo a good investment, and the wrong insurance can leave everything else exposed.
You get 1 plan where every piece has a job instead of buying products 1 by 1 from whoever calls you, built around your goals and your behaviour with money. That is what we do, and because you pay us directly and nobody else does, the plan has only 1 loyalty, you.
5 Pillars
End-to-end means 5 areas that together complete your financial life.
Investment Planning
A personalised plan built from your goals, position, behaviour, and risk profile.
See exactly what we do in this →Insurance Planning
The right life and health cover, reviewed, right-sized, kept, surrendered, or replaced.
See exactly what we do in this →Credit Card Planning
Everyday spending turned into 2 to 10% back, matched to your profile.
See exactly what we do in this →Loan Planning
Costly debt flagged, payoff-vs-invest decided, every new loan vetted.
See exactly what we do in this →Retirement Planning
The corpus you need, and an inflation-adjusted income after you stop working.
See exactly what we do in this →Tap a card to flip through the five pillars
What actually changes with a plan.
Take a couple in their early thirties, good income, some funds an agent sold them, a ULIP, a home loan, and no clear picture of where any of it is going. Here is what the same 4 goals look like with a plan and without 1. The situations are drawn from real advisory work, and the details are an illustration, not a promise.
| Goal | With a plan | Without 1 |
|---|---|---|
| Emergency fund | 6 months of expenses parked in liquid funds within the first year, before anything else. | Whatever is lying in the savings account that month. |
| Family protection | Pure term cover for the right sum assured, and the costly ULIP surrendered after the math was shown. | A mixed insurance-investment policy that does neither job well. |
| Home down payment | A dated target with a monthly amount, funded through debt and hybrid funds so the money is there when needed. | Hoping a bonus covers it, or borrowing more than planned. |
| Retirement | A corpus number worked out for their lifestyle, and SIPs in direct plans sized to actually reach it. | Ad-hoc investing, in regular plans quietly losing ~1% to commissions every year. |
What do you get with Mrigashira?
Advice with no side income
We are fee-only. You pay us, and nobody else does, no fund house, no insurer, no bank. So when we tell you to buy, keep, or exit something, there is no commission behind the sentence. Just the reason.
A CA reading your fine print
Your adviser spent years at India Ratings, part of the Fitch Group, judging the financial health of large companies. The same discipline that rates a ₹500 crore bond now reads your policy documents and loan clauses.
A plan that fits how you behave
We start with a free assessment of your risk and your actual behaviour with money, because the best plan on paper fails if it fights your nature. Your plan is built to be 1 you can actually live with.
A 1-year advisory relationship
We don't do 1-off consultations. For 1 year we hold your full financial picture and advise across all 5 areas as questions come up in your life.
1 flat annual fee
No commissions, ever.
The fee is set out in full in your advisory agreement, before anything begins.
Questions people ask before starting.
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.
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.
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.
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.
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.
Start with an assessment.
The assessment is free.