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About Us
Neelkanth is the most Experienced Investment Services Provider in Ayodhya and We have been handholding investors in the journey of achieving their financial goals since 1992.
We have been living up to our Tagline which is
"The Name Inspires Trust"
as we are one of the most trusted names in
Financial Service Provider in Ayodhya.
We are offering Gamut of Financial Products like
Mutual Funds SIP/SIF , Stock Trading , Term Insurance ,
Health Insurance , Bonds ,
Corporate Fixed Deposits and all other allied Financial Services.
With our expertise in various Financial Products &
Customer-Centric Approach,
We believe in Simplifying Financial Products for YOU.
We have been managing finances for 1000+ Clients and
would be happy to welcome abode.
What you should expect from us
20%
Strategy
We assist you in articulating CLEAR FINANCIAL OBJECTIVES, developing a comprehensive Long-Term Strategy, and constructing a Personalized Investment Portfolio designed to support and realize your aspirations.
80%
Behavioural Coaching
The true challenge lies not in creating a plan,
BUT in maintaining the DISCIPLINE to follow it.
We provide guidance to help you stay on course through every market cycle, economic headlines, and moments of uncertainty.
0%
market Timing
We do NOT attempt to predict market Highs or Lows.
We Strongly believe that Spending Time in the Market beats Timing the Markets.
0%
Get-RICH-QUICKLY GIMMICKS
We do not make promises of overnight wealth.
Compounding takes time.
We believe in idea that
"पैसे पेड़ पर नहीं उगते,
पर पेड़ जैसे उगते हैं"
&
"पैसा ज़्यादा बनाना है,
जल्दी नहीं।"
100%
confidentiality
We uphold the highest standards of integrity and absolute client confidentiality,
ensuring that personal and financial details are never shared with third parties.
Discretion is our hallmark.
We cannot predict the markets every day for you, Nor we can every day suggest you winning stocks. We are strong supporters of the notion that one should only do investments in Equities rather than Intraday Trading.
Our job is to ensure that you achieve your Financial Goals and to Handhold you in Times of Uncertainty. We will be following the Goal-based Investing approach for YOU & suggesting you Right Basket of Financial Products to suit your different financial needs.
Our Services
Mutual Funds
We have been Handholding our Clients in the Volatile Journey of Mutual Funds since 1992 as their Arthmitra.
With Goal-Based Investing Solutions, Fast and Digital Onboarding, Periodic Reviews and Asset Allocation & Rebalancing Strategies.
We have consistently proved for our investors that
"Mutual Funds सही हैं पर Arthmitra ज़रूरी है "
01
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Grow your Money by Digitally Investing across all Leading Mutual Fund Companies in India.
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Qualitative & Quantitative Assessment of Schemes not solely based on Star Ratings.
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Track all your and your Family's Investment Portfolio at one place.
02
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Experience Seamless Investing and Fast Order Execution with SPFL Edge Plus App with 24/7 Order Placement Facility with Multi-level Security and Active device Management.
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Build your Equity Portfolio with our powerful Platform.
Equity Shares Trading
& Allied Services
With about Three Decades of Experience we are pursuing excellence in Investment Management to help our Clients achieve their Long Term Financial Goals.
We are Authorised Person (AP) of SPFL Securities Ltd. (Stock Market Division of Jagran Group), which is a SEBI Registered Broker and deals in NSE/BSE Cash & F&O Segment.
Insurance Services
Gift YOUR Family a Guaranteed Financial Freedom & Assure Peace of Mind for yourself. Ensure a DEBT PROOF Future and a Financial Cushion for your dependents.
We are IRDA Certified Insurance Advisors and deal in Term Insurance & Health Insurance only.
Buy a TIP (Term Insurance Plan)
& HIP (Health Insurance Plan) today and ensure that your family does not make any compromises due to financial crunch.
03
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Personalized Product: With Need-based Assessment for insurance, Unbiased advice, and In-depth Product Knowledge we make recommendations based on your Profile & Priorities.
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No Spam Calls, No Pressure Selling.
Your Peace of mind comes first.
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Simplified Explanation of every Term:
No Jargons, No Confusion:
Just Clarity + Complete Handholding from Documentation to Claim Settlement.
04
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Corporate FDs with the Highest Stability and Credibility and Higher Interest Rates for Senior Citizen.
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A Non-Convertible Debenture (NCD) is a fixed-income investment instrument issued by companies to raise funds from investors. They come in both secured and unsecured forms, offering periodic interest payouts and principal repayment at maturity.
Bonds, Debentures & Fixed Deposits
If you’re looking for a stable returns option to boost your savings and lower-risk investments compared to equities,
Investing in Bonds, Debentures & Fixed Deposit is a great choice.
The convenience of investing along with stable returns can help you plan your short-term goals.
Capital Gains Bonds
Capital Gains Bonds, also known as 54 EC Bonds, are a type of financial instrument issued under Section 54EC of the Income Tax Act, 1961.
These bonds offer a tax-saving option for individuals who have earned long-term capital gains from the sale of their real estate property, such as land or buildings.
By reinvesting their profits in bonds within 6 months of the sale of their property, investors can save on
Capital Gains Tax.
The Maximum Limit for investing in 54 EC bonds is Rs 50 Lakh and it has a lock-in of 5 years.
05
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It Offers 5.25% p.a. Interest which is payable annually,
and Interest is taxable as per your Slab.
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These bonds are offered by institutions like the
Rural Electrification Corporation (REC),
Indian Railway Finance Corporation (IRFC),
Power Finance Corporation (PFC)
and Housing and Urban Development Corporation (HUDCO),
which are top-performing government-backed PSUs.
06
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SIFs are permitted to use complex investment strategies, including Long Short Equity, Sector based positioning, and active asset allocation.
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These funds can invest across equities, debt, derivatives, REITs/InvITs, and commodities offering broader portfolio diversification beyond standard instruments.
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It requires Minimum investment threshold is ₹ 10 lakh per investor (PAN level) across all SIF strategies within a single AMC.
SIFs
(Specialized Investment Funds)
A new investment product framework introduced by SEBI to create a bridge between Mutual Funds & Portfolio Management Services (PMS).
This give investors the best of both worlds : the ease of Mutual Funds and the customization of AIF/PMS, thus offering a balanced way to build portfolios with options across equity, hybrid and fixed income suited to the changing needs of the investors.
SIFs operate under SEBI’s Mutual Fund Regulations, ensuring strong governance standards, detailed disclosures, and consistent reporting for investor confidence.
Our Team
At Neelkanth, we believe wealth creation is a marathon requiring endurance, not a sprint for quick gains.
Our edge comes from our seasoned understanding of market dynamics.
Having successfully navigated through multiple market cycles in nearly past four decades:
Bulls, Bears, and Consolidation Phases, We offer time-tested insights.
We use this depth of experience to help you to grow your wealth
for the years to come.
With over three decades in the financial markets,
Mr. Dilip H Changulani anchors the firm with deep insights into
wealth management, mutual funds, and equity strategies.
His vision drives Neelkanth’s commitment to
ethical and personalized financial services.
Mr. Girish Changulani bridges the gap between complex market data
and simplified market insights,
servicing key client portfolios with a focus on goal achievement.
Mrs. Chitra G Changulani has a dedicated experience in financial analysis,
She anchors our distribution strategy by conducting Deep-dive fund filtration,
Tracking performance metrics and Monitoring market trends to identify the best opportunities.
Mr. Ram Prasad handles the operational backbone of Neelkanth
with seamless transactions and prompt service,
making your investing journey hassle-free.
Frequently Asked Questions
There is no greater professional satisfaction for us than seeing a client breathe a sigh of relief,
knowing their family’s future is secure and money is no longer a source of stress.
“If you want to walk fast, walk alone. If you want to walk far, walk together.”
- an African Proverb
Every traveler needs a trusted companion, someone to offer steady guidance,
expert coaching, and a shared path forward.
If you are looking for that companion for your financial journey,
we invite you to start a conversation with us.
Every lasting relationship is built on a foundation of
shared values, mutual respect, and clear expectations.
Below, we have provided transparent answers to the questions we hear most often.
We want you to understand exactly how we think and how we will work for you.
Take your time to explore.
If you have a question that isn't covered here, we are always here to talk. You can reach us anytime at 9336610107 or email us at investorservicesneelkanth@gmail.com.
Who do we work with ? At Neelkanth, we manage money for a wide spectrum of clients from business owners, salaried professionals, homemakers, retirees, and NRIs. We believe in equal attention, not equal portfolios. That’s why we don’t discriminate based on the size of your initial investment. We work best with disciplined investors who value professional coaching and long-term simplicity over immediate control.
Who are our ideal clients ? At Neelkanth, we don’t just manage portfolios; we manage expectations and behaviors. We love working with clients who: • Are curious and eager to learn more about managing money the right way. • Are ready to take full ownership of their financial journey and stay committed to their long-term goals. • Believe in discipline, patience, and consistency as the real drivers of wealth creation. • Can tune out the short-term noise from media and markets, and stay focused on what truly matters. If you value wisdom over hype, and coaching over shortcuts, we might just be the right fit for you.
Who are NOT our ideal clients ? We may NOT be the right fit for individuals who: • Chase short-term returns or quick gains. • Constantly compare and crave higher returns, driven by fear or greed. • Monitor their portfolios daily or weekly, expecting instant gratification. • Believe platforms like Google, Moneycontrol, or ValueResearch can do a better job than a thoughtful, experience-led investment approach. • Come from a finance background but struggle to let go of DIY investing or habitually second-guess structured guidance. • Focus more on cost than the long-term value of expert support and disciplined decision-making. We don’t have a minimum investment amount. But we do have a minimum philosophy requirement. Our approach only works if you’re willing to stay the course. Real results begin to show after 5 years. If that sounds like forever, we’re probably not for you.
What we can’t (and won’t) do ? At Neelkanth, we believe in being upfront about what we don’t do-because great relationships are built on clear expectations. • We don’t predict short-term market movements: because no one truly can. • We’re focused on long-term wealth creation, not quick wins. • We can’t make you rich overnight: real wealth takes time, patience, and discipline. • We don’t actively trade or churn your portfolio: less activity, more compounding. • 90% of the time, we don’t take action: because doing nothing is often the smartest thing to do. • We prefer minimal interference once the plan is in place: because sound financial outcomes need consistency, NOT constant tweaking. • We won’t chase you for investments- our relationship is like that of a doctor and patient: when you need us, we’ll go all out to help.
How are you different from Banks & Other Wealth Management Firms ? We’re a boutique personal finance firm with complete skin in the game. Unlike large institutions, we don’t work on sales targets or short-term incentives. Our only goal is your long-term financial success. At Neelkanth, we believe that perceptive, thoughtful guidance can only come from someone who genuinely knows and cares about your family- not just your finances. We’re in it for the long haul, and we’re accountable to you for years to come. As we often say: either we swim together, or sink together.
Do you deal in Direct Plans in Mutual Funds ? No, we don’t invest our clients’ money in Direct Plans. As an AMFI-registered Mutual Fund Distributor, we operate through Regular Plans, where we earn a commission for the services, guidance, and long-term support we provide. We focus on goal-based planning, fund suitability, and long-term portfolio management- and our earnings come from the trail commissions paid by the mutual fund companies, not from charging clients separately. If you’re looking for a Direct Plan option, that typically involves do-it-yourself investing or working with a SEBI-registered Investment Advisor who charges a separate fee.
What is your value addition ? Our value lies in helping you define your financial goals, create a goal-based plan, and then back it up with the right asset allocation. In our experience, 90% of your lifetime investment return comes from just three things: Goal Clarity, Asset Allocation, and Diversification-not fund selection or market timing. But more importantly, our biggest value addition is helping you avoid costly financial mistakes-mistakes that can set you back years. By guiding you with clarity and consistency, we aim to bring lasting financial peace to you and your family. Let’s assume good help costs around 1% per year of your portfolio in Mutual Funds. If a high-quality personal finance professional helps you: Earn more than that over the long run, Avoid mistakes that could cost far more, Or simply save you time, stress, and decision fatigue… Then that 1% is not a cost-it’s an investment. If someone can do all three-and we believe we can-then it’s a no-brainer. At Neelkanth, we walk the talk. We invest our own family’s money using the same philosophy, and we believe we’ve earned the right to earn ~1% p.a. (Including GST) as commission through the regular plan structure of Mutual Funds. Professional guidance comes at a price. Without it, you may pay a much bigger one.
How easy is it to get started with you ? Getting started with us is incredibly simple and efficient. The process is completely online in 95% of the cases and typically takes 1-5 working days, depending on your KYC status. It’s a seamless, secure, and paperless experience, designed to make your investing journey smooth and hassle-free.
How are you compensated for your services ? We are an AMFI-registered Mutual Fund Distributor ( ARN-14264, 85833, 278087 ). AP with SPFL Securities Ltd, IRDA Certified Term & Health Insurance Advisors. We earn commissions from mutual fund companies when we invest client money in regular plans on the overall portfolio as long as the investments remain with us. We earn brokerage from the transactions you do through us while investing in stocks. We earn commission from Insurance Companies for Term & Health Plans we sell. We earn commission on Corporate FDs and Bonds/Debentures we sell. We’re always happy to disclose that information upfront, before proceeding. That said, commissions/ brokerages never influences our commitment to ethical and personalized financial services. We believe in full transparency. You are always welcome to request a broad summary of our earnings through Brokerage/Commission. At Neelkanth, our goal is simple: to grow with you: fairly, honestly, and transparently.
How will you manage our money ? At Neelkanth, we manage your money the same way we manage our own-with care, conviction, and complete alignment. Skin in the Game: We invest your money in the same type of investments where we’ve put our own hard-earned savings. We prefer simple yet effective investments-not fancy products, just sound choices we believe in. We stick to the basics of long-term investing-it may not sound fashionable, but it works. Our focus is on helping you achieve your financial goals, not just chasing short-term returns. Chasing outperformance often leads to poor decisions. Our focus is on helping you achieve your goals-not on beating the market every year. The two traits we value most? Discipline and Patience. Buy right, sit tight. The third ingredient-luck-is out of our control. We aim to harness the real power of compounding by staying invested through market ups and downs. In short, we practice what we preach-and we walk the journey with you.
Do you manage clients outside Ayodhya ? We manage a diverse clientele across India and Abroad. Our digital-first infrastructure ensures that, regardless of your time zone, expert advice is always accessible via secure video conferencing. For clients visiting us personally are most welcomed. We believe in the power of face-to-face dialogue to build lasting trust and clarity.
If I am already working with an MFD, can I still come to you ? At Neelkanth, we prioritize professional integrity. If you have an established relationship with an advisor or MFD that is meeting your objectives, we sincerely encourage you to maintain that partnership. Success in wealth management is built on trust and continuity. However, if you feel a lack of clarity or a misalignment in your current strategy, we invite a diagnostic conversation. Most dissatisfaction arises from a gap between expectations and execution-our goal is to ensure that your financial structure is fundamentally sound and transparent. We operate most effectively as your primary advisor. A multi-advisor approach often leads to fragmented strategies, unnecessary overlaps, and diluted accountability. For this reason, we are not the right fit for those who prefer to split their portfolio across multiple firms. We believe that a single, cohesive vision is the only way to achieve long-term financial excellence.
How often do you review the portfolio or conduct client meetings ? In wealth creation, more activity doesn’t lead to better outcomes. Purposeful Inactivity in wealth creation is best for your compounding. We don’t believe in monthly or quarterly reviews just for the sake of it. An Annual/Bi-Annual review is more than enough in most cases. You should reach out to us when: You want to invest more money You need to withdraw or redeem money There’s been a change in your personal situation that may require adjustments to your goal-based plan. As for market movements, we’ll reach out only if there’s something important to act on-and trust us, those moments are rare. Our team remains fully accessible and highly responsive for any operational needs, but we remain fiercely committed to protecting your portfolio from the "noise" of the day-to-day market.
