Independent financial advisory

Your family's prosperity,
done the honest way.

Investment planning, insurance and goal-based wealth building, done unhurriedly, with every assumption explained and every conflict stated upfront.

Take the 2-min Quiz
Transparent by default
Patient by design
Zero hard-sell policy
Licensed & regulated
Yes
Registered distributors for mutual funds and insurance, with the relevant Indian regulators
Lead advisor's experience
15+
Years in wealth, insurance & financial consulting before coming home
First consultation
Free
No obligation. Come with questions, leave with a plan
Hard-sell targets
Zero
No cold calls, no referral quotas. Every client chose to be here
01 / The Quiet Problem

Why most Indian families underinvest for a lifetime.

Three numbers tell a story that most financial advisors avoid. We built our practice around fixing them.

Household savings , RBI, FY24
0%

of financial wealth in equities

Indian households keep less than 5% of savings in equities, versus ~40% in the US. It isn't a risk problem. It's a trust and translation problem.

Term cover gap , Swiss Re
0%

of earners underinsured

Most breadwinners carry less than 1× their annual income in term cover. One medical or tragic event wipes out a generation of savings.

Estate planning , family survey
0%

have no registered will

Nine in ten Indian families die intestate. Nominations alone don't transfer ownership. The paperwork isn't glamorous. It's the most loving thing you can do.

02 / What We Do

Six quiet specialties. One continuous relationship.

Every mandate is bespoke. Every recommendation comes with the maths, the assumptions, and the alternatives.

01 of 06 · Foundational

Investment Planning

SIPs, lumpsum, goal-based portfolios across equity, debt, gold and international, built on asset allocation, not on hot tips or WhatsApp forwards.

Typical client A salaried household starting a first SIP, or a business family consolidating eight folios into one coherent plan.
First review We read every existing SIP, fund and folio. You leave with a clear allocation target, not a product pitch.
  • Direct & regular mutual fund onboarding
  • Annual portfolio rebalance, with the reasoning explained
  • Tax-harvest & STCG/LTCG optimisation
  • International diversification where it earns its place
03 / Do the Maths

Run the numbers. Then talk to us.

Four everyday calculators, clearly built with the same assumptions our advisors use. No email-gate, no dark patterns, just useful answers.

Monthly SIP Calculator

See how discipline compounds over time.

Monthly investment₹15,000
Time horizon20 years
Expected return12%
You could accumulate
₹1.49 Cr
Invested Estimated returns
Total invested₹36.0 L
Estimated returns₹1.13 Cr
Corpus at maturity₹1.49 Cr

How much life cover do you need?

Income replacement + dependants + liabilities.

Annual income₹12 L
Your age32 years
Financial dependants2
Outstanding loans₹25 L
You should carry at least
₹2.54 Cr
Income replacement,
Dependants buffer,
Liabilities cover,
Recommended sum assured₹2.78 Cr

Pure term cover is usually ₹500–₹900 / month at this range.

Loan EMI & interest burden

Understand what the loan really costs over its life.

Loan amount₹50 L
Tenure20 years
Interest rate8.5%
Your monthly EMI
₹43,391
Principal Interest
Total interest paid,
Interest as % of principal,
Total repayment,

Wealth goal planner

Tell us the number. We'll tell you the monthly SIP.

Target corpus₹1 Crore
Years to achieve15 years
Expected return12%
Already saved₹0
Monthly SIP needed
₹20,017
Target corpus,
You'd invest,
Growth generated,
Reach target by,

Returns are indicative, not guaranteed. Equity investments are market-linked.

Get a personalised plan instead of calculators →

"We do the work our grandparents would have asked for. Slow. Honest. No shortcuts."

The Dakshina Artha founders

04 / Our Approach

Finance is personal. We practise it like that's still true.

Three of us built careers in mainstream finance, at Kotak Bank, PwC and Accenture, before choosing to build something of our own. We came home to practise finance the way we always thought it should be done.

We brought the rigour of IIM, CFA and CFP into a practice built on patience rather than targets, and on relationships that outlast any single product cycle.

Paper-trail honest

Every recommendation explained clearly, with conflicts stated, before you decide anything.

Patient by design

We don't chase targets. We stay. Most clients are with us 5+ years.

Fiduciary in spirit

Your interest first. Where there's a conflict, we tell you before the product.

Local to the core

In our office, on a call, or at your kitchen table, whichever feels easier.

05 / What We Stand For

Four pillars, inherited from home.

ಸತ್ಯ

Satya · Truth

We state our assumptions, show our reasoning, and tell you when we disagree with each other or with the product. No dashboards hiding ugly maths. No fine print you have to ask for.

ಧೈರ್ಯ

Dhairya · Patience

Wealth compounds. Rushed decisions compound too, in the wrong direction. We sit with you through market cycles, not around them.

ವಿಶ್ವಾಸ

Vishwas · Trust

Your family's financial life is a matter of confidence. What you share stays with us, literally. No CRM sales farms, no cold-caller reselling your data.

ಸಮೃದ್ಧಿ

Samriddhi · Prosperity

The point is not more money. It is a life without financial anxiety, so you can do the things that are actually meaningful to you and yours.

06 / The Founders

Three founders. One practice.

Bhoomi Shah

Bhoomi Shah

CFP and CFA with 15 years in personal financial planning. Has worked with clients across every stage of life.

CFACFP
Aditya Krishna M N

Aditya Krishna M N

MBA from IIM Mumbai. Former banking professional at Kotak, now focused on independent financial advisory.

IIM MumbaiEx-Kotak Bank
Rakshit M N

Rakshit M N

MBA from IIM Udaipur and advisory background at PwC. Brings structured analytical thinking to financial planning.

IIM UdaipurEx-PwC
07 / What We Promise

No testimonials. Just commitments.

We're a young practice, still earning the right to put quotes on a website. Until then, here's what we commit to on day one, and what you can hold us to.

01 / 06

We show you our work, not just our conclusion.

Every product recommendation comes with clear reasoning: the return we modelled, the risk we weighed, and why this product over the alternatives. You get the thinking, not just the answer.

02 / 06

The first two meetings are free.

Bring your papers, policies, SIPs, loans, the chit-fund chit you half-regret. We'll read them, ask questions, and give you our honest read before we ever pitch a product.

03 / 06

Every assumption on the record.

Retirement plans assuming 12% returns and 4% inflation mislead entire families. Our projections cite the source, the bands, and what happens if reality lands 2% off each way.

04 / 06

We'll say "don't buy it" when we mean it.

If a product doesn't suit your cash flow, time horizon, or risk, we'll tell you, even when it's one we distribute. The goal is a plan you stay in for twenty years, not a sale this quarter.

05 / 06

Your family is part of the plan.

Nominees, wills, insurance maps, digital-asset notes, walked through with your spouse, parents, or children as appropriate. Money failures in Indian families are rarely about returns; they're about paperwork no one read.

06 / 06

You can walk away, keeping everything.

No exit fees, no lock-ins on our advisory relationship. Every SIP, policy and folio is held in your name, at regulated institutions. If we stop adding value, you leave, with every document, every plan, every spreadsheet.

08 / Financial Health Check

The 2-minute honest diagnostic.

Ten questions across five pillars. No signup. No email harvest. Just an honest reading of where you are.

How financially well are you, really?

Answer ten plainly-worded questions. Get a score out of 100, a breakdown across the five pillars, and the three things we'd work on first if you were sitting across from us.

Protection Safety Net Growth Planning Legacy

~ 2 minutes · 10 questions · No signup required

Your Financial Health Score

A single number across the five pillars, based on your answers.

0 / 100
,

What we'd focus on first

    09 09 / Let's Talk

    Come with your questions. Leave with a plan.

    A free, no-obligation first call. We read what you bring, listen for what you haven't brought, and tell you, in plain language, what we'd do if you were us.

    Call+91 97424 19979
    Emaildakshinaartha@gmail.com
    WhatsApp+91 97424 19979
    OfficeSullia, Dakshina Kannada, 574239

    Request a callback

    We'll call within one working day. No SMS blasts, no callcentre.

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