the business is doing well. is the owner?
For owners of shops, agencies, trading firms and small factories whose entire wealth lives inside the business. We build the personal side of your balance sheet — the emergency floor, the cover on the shop, and the corpus that doesn’t depend on next quarter.
six conversations we’ve had before.
These come up in nearly every business-owner call. We’ve seen them. We have answers.
Everything back in the business
Every spare rupee becomes more stock, another machine, a bigger deposit. Great for the shop; terrible for the family’s independence. We carve out a personal corpus that compounds regardless of how the season goes.
GST-season cash crunches
Twice a year the working capital gets tight and the first thing sacrificed is your own SIP. A liquidity ladder — liquid funds for the crunch months, equity for the long game — ends that cycle.
The uninsured shop
Stock, fittings, fire, burglary, the tempo in transit. One bad night can erase five good years. Shop, fire and marine cover from a 20+ insurer panel — priced before the renewal agent shows up.
Key-person risk
The business is you. If you’re out for six months, income stops but EMIs don’t. Term cover sized to business loans + personal accident cover that pays while you recover.
One account for everything
Business money, house money, kids’ fees — one current account, zero clarity. We separate the family’s finances from the firm’s so both can actually be planned.
Succession & the will
Who runs the shop, who inherits it, and what happens to the GST registration in between. A registered will + clean nominations — the conversation every owner postpones.
where we’d start.
The actual recommendations vary by what you have today. This is the general posture for someone in your situation.
mutual funds
A liquid-fund floor for the crunch months, then equity SIPs that step up in good seasons and pause without penalty in bad ones. explore mutual funds →
business cover
Shop, fire, marine/transit and commercial policies from a 20+ insurer panel — plus term and personal accident on the owner, sized to the loans. explore the cover pillar →
estate & succession
A registered will, nominations across every folio and policy, and a clear succession note for the business itself. explore estate & will →
beyond the basics. specifically for you.
the whole firm, under one panel
Fire, liability, employee compensation, marine — bundled at one desk instead of four agents, so covers don’t overlap and renewals don’t lapse.
windows on the exchange, watched for you
Live from BSE: IPOs if you invest, and buyback tender offers on shares you already hold — real deadlines a busy owner shouldn’t have to track manually.
the son in Dubai, the daughter in Toronto
Half of Mumbai’s business families have one. NRE/NRO investing, repatriation and the family’s cross-border plan — handled at the same desk.
questions, answered.
If yours isn't here, ask Archita on the call. We answer in plain English.
All my money is working capital. How do I even start investing?
Start smaller than you think — a ₹5,000 liquid-fund SIP that pauses in crunch months beats a ₹50,000 one you abandon in October. The point in year one isn’t returns; it’s building a wall between the firm’s money and the family’s.
What insurance does a shop actually need?
Usually five of seven: fire (structure + stock), burglary, money-in-transit if you bank cash, employee compensation if you have staff, and marine if goods move. We price the stack across a 20+ insurer panel — bring your current policies and we’ll show the gaps in one sitting.
Is my business loan a reason to delay term insurance?
The opposite. If the loan has a personal guarantee — most do — your family inherits it. Term cover sized to loans + obligations is the cheapest way to make sure the shop’s debt never becomes the family’s debt.
Can I invest through the firm, or should it be personal?
Usually personal — mutual funds in the company’s name complicate taxes and lock wealth inside the entity you’re trying to diversify away from. There are exceptions (surplus parking in liquid funds); we’ll map yours with your CA.
I want my child to take over someday. What do I set up now?
Three documents before any grand plan: a registered will, clean nominations on every account and policy, and a one-page succession note for the business. From there, structures like gifting or an HUF can follow — in that order, not the reverse.
let’s talk about your situation.
A 15-minute call. We’ll tailor the plan to your exact stage and circumstances.
got it. archita will call you.
Usually within 12 minutes during Mumbai work hours.
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