Financial planning
Bring income, protection, investments, tax awareness and life goals into one practical roadmap.
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Four decades of trusted guidance
40+ years of helping families make confident financial decisions.
From protection and health cover to mutual funds, retirement and long-term planning — Ramjanm Prajapati brings every important decision into one clear conversation.
Personal, relationship-led guidance
Serving families in Mumbai & beyond
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Years of personal guidance
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Financial service areas
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Families & individuals guided
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Relationship-led service
Free planning tools
Plan with numbers first — then talk it through.
Use our free SIP, goal, retirement, child education, term cover and risk profiler calculators. Every estimate runs privately in your browser — no sign-up required.
Instant results
100% private
Share results on WhatsApp
SIP Calculator
See how a monthly mutual fund SIP can grow over time.
Calculate nowGoal / Crorepati SIP
Find the monthly SIP needed to reach your target.
Calculate nowRisk Profiler
Discover your investor style in five quick questions.
Calculate nowTerm Cover (HLV)
Estimate the life cover your family may need.
Calculate nowRetirement
Estimate the corpus and monthly investing for retirement.
Calculate nowChild Education
Plan a monthly SIP for future education costs.
Calculate nowAdvice built around life
Every financial decision should work with the others.
40+
years, one relationship at a time
Meet your advisor
Experience is most valuable when it makes things simpler.
For more than four decades, Ramjanm Prajapati has helped individuals and families understand financial choices in plain language and stay supported long after a policy or investment begins.
- Authorised LIC advisor with extensive insurance experience
- Guidance across mutual funds, health, life and term insurance
- Support for retirement, child goals and tax-aware planning
- Policy servicing and claims assistance — not just a sale
A clear, considered process
Good advice begins before the product.
01
Listen
Understand your family, current finances, priorities and concerns.
02
Assess
Review protection gaps, existing investments, commitments and time horizons.
03
Recommend
Explain suitable options, trade-offs, costs, risks and documentation clearly.
04
Stay involved
Support reviews, servicing, nominations, claims and changing life needs.
Why families stay
A relationship that continues after the paperwork.
Financial products last for years. The guidance around them should last too.
Plain language
Clear explanations of benefits, limitations, risk and suitability.
One point of contact
Support across multiple needs and important family transitions.
Plans that evolve
Periodic conversations as income, family and priorities change.
Help when it matters
Practical assistance for policy changes, documentation and claims.
Products are only tools. The real work is helping you choose thoughtfully and stay prepared.
“Protect what matters today. Build thoughtfully for tomorrow.”
In their words
Trusted across generations of families.
Common questions
Start with clarity.
Yes. The service brings financial planning, mutual fund distribution, LIC, life and term cover, health insurance, retirement and servicing support into one coordinated conversation.
No. Recommendations should reflect your age, dependants, existing cover, income, time horizon, goals and ability to accept risk.
Yes. A review can identify duplication, protection gaps, outdated nominations and whether your current arrangements still match your goals.
Yes. We can help organise documents and coordinate the process. Final claim approval always remains subject to the insurer’s policy terms and assessment.
The office is at Station Plaza, Bhandup Station Road, Bhandup West, Mumbai, Maharashtra 400078, serving families in Mumbai, Maharashtra and across India through phone and WhatsApp consultations.
Yes. SIP, goal, retirement, child education, term cover and risk profiler calculators are free to use in your browser with no sign-up required.
Start with a conversation
Clarity today can change what tomorrow feels like.
Tell us what you are planning for. We will help you understand the next sensible step.