The person behind the practice
A lifetime of guidance. A practice built on relationships.
Ramjanm Prajapati has spent 40+ years helping families protect responsibilities, plan ahead and make financial decisions with greater confidence.
40+
years in insurance & finance
Advice grounded in experience
Experience, delivered personally.
Ramjanm Investment & Consultancy is built around a simple belief: families make better decisions when financial matters are explained patiently, honestly and in context.
As an authorised LIC advisor and experienced financial and insurance consultant, Ramjanm Prajapati supports clients across life insurance, term protection, health insurance, mutual funds, retirement planning and ongoing policy service.
The work does not end with paperwork. Reviews, nominations, renewals, family changes and claims are part of the same long-term relationship.
Meet for a consultationThe journey
Four decades, one consistent purpose.
A career begins in life insurance
Building deep knowledge of family protection, long-duration policies and the importance of dependable service.
From policies to complete financial conversations
Expanding support to retirement, children’s goals, health protection, mutual funds and tax-aware planning.
Industry milestones and MDRT recognition
Recognition reflects consistent service and professional commitment. Exact award years and credentials will be added after final verification.
40+ years of continuity
A personal practice serving families across generations, with advice and support designed for the long term.
How we work
Principles that do not go out of date.
Clarity
Benefits are only meaningful when costs, conditions, exclusions and risks are also understood.
Suitability
Your responsibilities and goals come before any product category.
Continuity
Long-term plans deserve long-term service, periodic reviews and practical help.
Responsibility
Final benefits, returns and claims always depend on official product terms and market conditions.
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.
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 nowStart 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.