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Your Wealth.
Your Legacy.
Our Commitment.

Built for those who've worked hard to get here. We make sure the wealth you've built works just as hard for what comes next.

Expertise in
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Why Atharva Capital

What Makes Us
Genuinely Different

We are not a product pusher. We are your trusted partner with an ethical obligation to put your interests first, always.

🛡️
Client-First. Always.

We operate on a transparent, client-aligned model. No hidden charges.Our only incentive is your long-term financial success and peace of mind.

🤝
Founder-Level Advice

You work directly with Founder and not a RM with sales targets.

🌐
360° Financial Guidance

From mutual funds and tax structuring to PMS, global investments, insurance, and succession, we coordinate every dimension of your financial life.

The Real Difference
Typical Financial Advisor
Atharva Capital
✗Product-pushing, agenda-driven advice
✓Pure, unbiased client-first guidance
✗Hidden charges erode your wealth
✓Fully transparent, zero conflicts
✗Junior RM handles your account
✓Founder always accessible
✗One-size-fits-all portfolios
✓Fully bespoke roadmap for you
✗Reactive — only calls when things go wrong
✓Proactive quarterly reviews & rebalancing
Our Services

Everything Your Wealth Needs.
Under One Roof.

We serve young professionals, HNIs, ultra-HNIs, and business families with equal depth and dedication.

01 📈
Mutual Funds

Goal-aligned mutual fund portfolios with disciplined SIP strategies tailored to your life timeline and long-term aspirations.

02 🏛️
PMS & Alternate Investments

Access to top PMS, AIF and structured products vetted for risk-adjusted outperformance.

03 🛡️
Insurance Advisory

Unbiased insurance guidance across life and health. Only what you genuinely need recommended with full transparency.

04 📋
Tax Planning

Smart, proactive tax structuring to legally minimize liabilities across income, capital gains, business earnings, and wealth transfer crafted by a qualified CA.

05 ⚖️
Succession & Estate Planning

Will guidance, trust structures, and nomination planning ensuring your wealth reaches the right hands, at the right time, with minimal friction.

06 🌍
Global Investments

De-risk your portfolio by allocating intelligently outside India via ETFs, international funds, and global asset classes for true diversification.

Discuss Your Wealth Goals →
Who We Serve

Built for Every Stage of Wealth

Growing Professionals

Starting your investment journey? We help you build disciplined SIP habits, choose the right term cover, and create a personalised wealth roadmap giving you a head start that compounds over decades.

HNIs & Business Owners

Managing complexity across mutual funds, PMS, real estate, and business income? We simplify, consolidate, and help you build a coherent strategy, one that grows alongside your business.

Ultra HNIs & Families

Multi-generational guidance, global diversification, trust structures, and succession built to preserve and grow your family's legacy across generations, with the discretion and depth it demands.

Our Process

A Simple, Proven Process

Four steps from your first call to a wealth roadmap that works for life.

01
Discovery Call

A 30-minute call to understand your financial life — goals, income, liabilities, and risk appetite. No sales pitch. Just listening.

02
Comprehensive Analysis

We review your complete financial picture and identify gaps, risks, and opportunities across every dimension of your wealth.

03
Your Wealth Roadmap

We deliver a detailed, actionable wealth roadmap tailored specifically to you and not a templated report from a standard algorithm.

04
Ongoing Review

We execute alongside you, monitor your portfolio, conduct quarterly reviews, and update your roadmap as your life evolves.

Book Your Discovery Call
Client Stories

What Our Clients Say

🎓 CA & CFP® Dual Professional Credentials
📊 ₹500Cr+ AIF Assets Researched
🌏 PAN India Client Presence
⭐ 98% Client Retention Rate
"

Atharva Capital gave me a clear wealth roadmap for the first time. I finally know exactly where my money is, why it's placed there, and what happens next.

R
Rahul M.Founder, SaaS Startup — Bengaluru
"

They helped me build an insurance structure, set up systematic investments, and think through retirement — all in one seamless engagement. Truly end-to-end.

P
Priya S.Business Owner — Mumbai
"

The best part is direct access to Himanshu. No junior RM, no hold music, no waiting. Real answers from someone who genuinely understands finance.

A
Arjun K.CXO, Manufacturing Firm — Pune
"

They identified tax-saving opportunities I'd completely missed and helped me channel those savings into a well-structured portfolio. Incredible value.

N
Neha T.Senior Executive, MNC — Delhi
"

As an NRI, India investments felt chaotic. Atharva Capital simplified everything — NRE accounts, tax compliance, and a roadmap that makes sense for my situation.

V
Vikram S.Senior Engineer — Dubai, UAE
"

Succession planning for our family business was long overdue. Himanshu handled everything — trust structure, nominations, and tax — with remarkable clarity.

S
Sunita R.Family Office — Ahmedabad
"

Atharva Capital gave me a clear wealth roadmap for the first time. I finally know exactly where my money is, why it's placed there, and what happens next.

R
Rahul M.Founder, SaaS Startup — Bengaluru
"

They helped me build an insurance structure, set up systematic investments, and think through retirement — all in one seamless engagement. Truly end-to-end.

P
Priya S.Business Owner — Mumbai
"

The best part is direct access to Himanshu. No junior RM, no hold music, no waiting. Real answers from someone who genuinely understands finance.

A
Arjun K.CXO, Manufacturing Firm — Pune
"

They identified tax-saving opportunities I'd completely missed and helped me channel those savings into a well-structured portfolio. Incredible value.

N
Neha T.Senior Executive, MNC — Delhi
"

As an NRI, India investments felt chaotic. Atharva Capital simplified everything — NRE accounts, tax compliance, and a roadmap that makes sense for my situation.

V
Vikram S.Senior Engineer — Dubai, UAE
"

Succession planning for our family business was long overdue. Himanshu handled everything — trust structure, nominations, and tax — with remarkable clarity.

S
Sunita R.Family Office — Ahmedabad
Insights & Perspectives

From the Desk of Atharva Capital

View All Articles
📊 Mutual Funds
June 2025  ·  5 min read
SIP vs Lumpsum: What Works Best in a Volatile Market?

Understanding when to deploy capital systematically versus all at once — and why the answer depends entirely on your time horizon and temperament.

Read Article →
🌍 Global Investing
May 2025  ·  7 min read
Why Every Indian Portfolio Needs International Diversification

The Rupee, India-specific risk, and the case for allocating a portion of your wealth to global markets — explained simply and practically.

Read Article →
📋 Tax Planning
April 2025  ·  6 min read
The 5 Tax Mistakes HNIs Make (and How to Avoid Them)

From ignoring capital gains tax on debt funds to missing grandfathering benefits — the most expensive tax errors we see high-income earners make, year after year.

Read Article →
Explore All Insights
Our Founder

The Person Behind Your Wealth

Himanshu Kothari
Himanshu Kothari
Founder
Chartered Accountant
Certified Financial Planner — USA
Connect on LinkedIn
Industry Experience
Equity Research Analyst at Category 3 AIF
Ashika India Select Fund

Part of the core research team at a SEBI-registered Category 3 AIF, developing deep expertise in fundamental equity analysis and disciplined portfolio construction across listed markets.

Business Finance
Hindustan Unilever Limited (HUL)

Worked in business finance at one of India's most respected FMCG companies gaining corporate financial planning exposure, P&L management experience, and a ground-level understanding of how large organisations think about capital and risk.

Audit & Assurance
Salarpuria Jajodia & Co.

Extensive experience in statutory audits across industries building a rigorous, analytical approach to evaluating businesses, financial statements, and investment opportunities.

"At Atharva Capital, we believe wealth is not just numbers — it is the freedom to live the life you envision."
— Himanshu Kothari, CA & CFP® · Founder, Atharva Capital
FAQ

Common Questions

Still have questions? Write to us at
grow@atharvacapital.in

How does Atharva Capital charge for its services?
+
We earn a distributor commission (trail fee) paid directly by the mutual fund house, not by you. It is embedded in the fund's expense ratio and involves no separate charge. We are fully transparent about the rates we earn on your portfolio, and our only incentive is your long-term financial success.
Is my money safe? Where are my investments actually held?
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Your money is never held by us. All investments are held directly in your name with the Mutual Fund House, or in your own demat account for PMS. You can verify your holdings independently at any time through CAMS, KFintech, or your CAS statement. We are an intermediary, not a custodian.
How is investing different from using a direct plan on Zerodha, Groww, or Upstox?
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Direct plans offer lower expense ratios but zero guidance. With us, you get the right fund selection, disciplined portfolio construction, regular reviews, and an advisor who holds you accountable to your goals especially when markets get uncomfortable. The cost of wrong allocation or panic selling far outweighs any difference in expense ratios.
What is the minimum investment required to work with you?
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We work with clients investing at least ₹6 Lakhs through Year 1. This ensures we can build a properly diversified, goal-oriented portfolio.
I already have investments with another advisor.Can you review them?
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Yes and it is completely free. We take an honest look at your existing portfolio, assess fund selection, allocation, and goal alignment, and share our findings transparently. No obligation. The decision on what to do next is entirely yours.
Can I shift my existing portfolio to Atharva Capital?
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Absolutely. We manage the entire transition end-to-end,no redemption required in most cases, no disruption to your investments, and no unnecessary tax events. It is simpler than you think, and we handle everything.
Do you work with NRI clients?
+
Absolutely. We specialise in NRI financial guidance and building India-facing portfolios for clients based globally.

Your Financial Future
Deserves Better Advice.

Book a free 30-minute discovery call.
No commitment. No sales pressure. Just honest, expert guidance.

Book Your Free Call →