Investment & Financial Planning
Helping you build wealth & achieve financial freedom.
Personalized financial planning, mutual fund distribution, retirement planning and portfolio review — tailored to your goals, not generic advice.
About Harsh
Welcome to Prajapati Investment & Financial Services
This business was started by my father, Ramkishor Prajapati, 20 years ago. He began by filing income tax returns and distributing mutual funds, and over the years expanded into a full range of other financial products and services. Today, I carry that legacy forward.
I help individuals and families build wealth through disciplined financial planning and investment strategies. I am a registered financial advisor, having completed the NISM Investment Adviser Level 1 and Level 2 certifications, along with certifications in mutual fund distribution, portfolio management services, and derivatives across currency, interest rate, and equity segments.
Every recommendation starts with understanding where you are today and where you want to be, then mapping mutual funds and investment strategies that fit your timeline, risk appetite, and cash flow.
Our Services
Plans built around your goals
Every service below starts with a conversation about what you're actually saving and investing for.
Mutual Fund Distribution
Access to a curated range of mutual funds, matched to your goals rather than sold as one-off products.
Financial Planning
A single, coherent plan tying together your goals, insurance, tax efficiency, and investment strategy.
Retirement Planning
Build a corpus and withdrawal strategy that keeps pace with inflation and your lifestyle after work stops.
Goal-Based Investing
Long-term, diversified investing designed to compound steadily toward the milestones that matter to you.
Portfolio Review
A regular, honest look at how your existing investments are performing against your original goals.
Wealth Creation
Building long-term wealth through disciplined, diversified investing rather than chasing short-term returns.
What We Offer
A closer look at how we work with your money
Core Investment Services
Portfolio Management
Building and customizing your asset allocation to match your goals and risk profile.
Investment Research
Ongoing evaluation of stocks, bonds, and mutual funds before they earn a place in your portfolio.
Regular Rebalancing
Keeping your portfolio's risk level aligned with your targets as markets move.
Performance Reporting
Transparent, benchmark-based reporting so you always know how your investments are actually doing.
Comprehensive Financial Planning
Retirement Planning
Estimating what you'll need and structuring income sources for after you stop working.
Tax Optimization
Reducing capital gains and overall tax liability through smarter investment structuring.
Estate Planning
Helping plan how your wealth transfers to your heirs, safely and with less friction.
Risk Management
Assessing your insurance needs so what you've built stays protected.
Goal-Based Planning Sequence
Discovery
Defining your short and long-term milestones.
Analysis
Assessing your current net worth and cash flow.
Strategy
Mapping specific investments to each milestone.
Execution
Deploying capital into the recommended financial instruments.
Why Choose Us
A client-first approach to your money
Personalized Advice
Transparent Process
Long-Term Wealth Building
Goal-Focused Strategies
Professional Guidance
Regular Portfolio Review
Client-Centric Approach
Trusted Financial Partner
How We Work
A five-step process, start to finish
Discovery Call
A conversation about your income, timeline, and what you're actually planning for.
Financial Analysis
A close look at your current finances, existing investments, and cash flow.
Strategy Creation
A goal-based investment plan matched to your risk appetite and timeline.
Implementation
Set up SIPs or lump-sum investments across a curated set of mutual funds.
Ongoing Review
Regular check-ins to rebalance the plan as your life and goals evolve.
Plan Your Future
Financial Calculators
Quick, indicative estimates to help you think through your numbers — not a substitute for a full plan.
SIP Calculator
Estimate the future value of a monthly SIP investment.
Retirement Calculator
Estimate the monthly SIP needed to reach your retirement corpus.
EMI Calculator
Work out the monthly EMI on a loan.
Goal Calculator
Find the monthly SIP required to reach a specific goal amount.
Crorepati Calculator
Find out how much monthly SIP it takes to reach ₹1 crore.
These are indicative estimates for planning discussions only, not investment advice or a guarantee of returns.
Knowledge Center
Latest Insights
Articles on planning and investing — coming soon as the site moves to its full blog.
Benefits of SIP Investing
Why disciplined, regular investing tends to outperform trying to time the market.
Full article coming soonRetirement Planning Guide
A framework for figuring out how much you'll actually need, and how to get there.
Full article coming soonHow to Build an Emergency Fund
What counts as "enough," and where to keep it so it's there when you need it.
Full article coming soonOur Partners
Fund houses we work with
Contact Us
Let's talk about your goals
- Name
- Harsh Prajapati
- Phone
- +91 62642 00751
- Address
- Shop No. 6, Second Floor, Above Anand Store,
Gadaji Complex, Gujarati Bazar,
Sagar, Madhya Pradesh
Prefer email instead? Write to hrashprajapati99@gmail.com.