Case Studies — Nandi Nivesh Private Limited

Married Couple

Too much going out, not enough working for them

IT professional and schoolteacher, Pune. Mid-thirties, one child.

₹1,10,000

Monthly SIP

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Married Couple

High income, high savings, but wealth was not growing

Both software engineers at MNCs, Delhi. Late thirties, two kids.

₹1,75,000

Monthly SIP

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NRI Couple

Settled abroad, but their money back home had no direction

Both working in Canada, originally from Pune. Early forties, two children.

₹3,80,000

Monthly SIP

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HNI

The business was growing. Everything else was standing still.

Pharma distribution entrepreneur, Pune. Mid-forties, three children.

₹14 Crores

AUM Deployed

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Married Couple

Good income, no real plan, and an insurance agent for a financial advisor

Investment banker and marketing professional, Mumbai. Late thirties, one child.

₹2,00,000

Monthly SIP

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HNI

A successful business, but personal finances were an afterthought

Manufacturing business owner, Hyderabad. Early fifties, two adult children.

₹3 Crores

AUM Deployed

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Married Couple

Too much going out, not enough working for them

IT professional and schoolteacher, Pune. Mid-thirties, one child.

The Situation

They were saving a decent amount every month. Both were earning well, expenses were under control, and they had been putting money into various policies and funds for years. On paper, they were doing the right things.

When we sat down together, we found they had 14 different policies and plans, most of them sold by people they trusted at different points in life. A big chunk of what they were paying — around ₹68,000 a month — was going into traditional insurance policies that mixed insurance with savings. The returns on these were poor, the actual insurance cover was not enough, and none of it was connected to any specific goal.

What We Did

We separated insurance from investment. Pure term cover was put in place for both of them at a fraction of what they were paying for the older policies. The underperforming policies were reviewed one by one and either surrendered or paid up depending on what made financial sense.

We then built a simple goal map together. A home purchase in 4 years, their daughter's higher education in 14 years, and retirement in about 27 years. Each goal got its own plan and its own monthly SIP. Their total monthly outflow barely changed. But the quality of what that money was doing changed completely.

The Outcome

Their monthly investment moved from ₹68,000 spread across 14 products to ₹1,10,000 across 6 goal-linked mutual funds. A year and a half later at their first annual review, the portfolio was organised, the goals were on track, and the clutter was gone.

What stood out most was a simple comment from the husband: "We actually understand where our money is now."

Married Couple

High income, high savings, but wealth was not growing

Both software engineers at MNCs, Delhi. Late thirties, two kids.

The Situation

Between the two of them they were bringing home close to ₹3.5 lakhs a month. They were not big spenders and had been saving consistently for years. But when they looked at what they had actually built, it did not feel like enough.

Almost 70% of their net worth was sitting in real estate — a plot on the outskirts of Delhi and a second flat bought as an investment. The mutual fund SIPs were small, started years ago and never increased. The FDs were renewing automatically. Nobody had ever asked them what they were saving for.

What We Did

We started with a conversation about what they actually wanted. A good school for both children, a sabbatical one of them was considering, and retiring by 55. We put numbers to each goal and the gap became clear.

We stopped any further allocation to real estate. FDs coming up for renewal were redirected into debt mutual funds with better post-tax returns. The SIPs were restructured and increased significantly. We also helped them with tax optimisation — both were in the 30% bracket and simple changes including the right use of NPS put meaningful money back in their hands every year.

The Outcome

Two years in, their SIPs were running at ₹1,75,000 a month. Both children's education goals were fully funded on the plan. The sabbatical that once felt like a distant idea had a number and a timeline attached to it.

The proportion of real estate in their overall portfolio had also come down naturally as the financial assets grew — without selling anything.

NRI Couple

Settled abroad, but their money back home had no direction

Both working in Canada, originally from Pune. Early forties, two children.

The Situation

They had been living in Canada for nearly a decade with a significant amount of money accumulated back in India — sitting across savings accounts, fixed deposits, and a few mutual funds a family member had helped start years ago. There was also a flat in Pune and an inherited plot of land.

Nobody was managing any of it actively. Every time they visited India, they told themselves they would sort it out properly this time. They were not sure if they would return permanently, but wanted to keep that option open.

What We Did

We first clarified their NRI status and what it meant for their investments. Several existing investments were held in the wrong account type, which we helped them regularise. The inherited plot was generating no income and creating family complexity — they decided to sell it and redeploy the proceeds into financial assets systematically.

We built a goal map around two scenarios: returning to India at 50, or staying in Canada longer. Both scenarios had a version of the plan. SIPs were set up through their NRE account, keeping returns fully repatriable.

The Outcome

The complexity around unmanaged money in India is gone. They have one point of contact, one annual review over a video call, and a plan that works regardless of which path they choose.

The husband put it simply on a call last year: "We stopped avoiding this and it turned out to be much simpler than we thought."

HNI

A successful business, but personal finances were an afterthought

Manufacturing business owner, Hyderabad. Early fifties, two adult children.

The Situation

He had built a solid manufacturing business over 25 years. The family was comfortable and there was never really a shortage of money. That was partly the problem.

When we first met, he could not tell us what his total investable net worth was outside the business. There were stocks bought and forgotten, insurance policies taken for tax saving, real estate across three cities, and mutual funds started and stopped several times. Both children were likely to go abroad for higher education — one to the US, one possibly to Germany — and the older one was just three years away from applying.

What We Did

We mapped everything out across two meetings. The insurance gap was closed with a term plan. The stock portfolio was reviewed and cleaned up, with exits planned across financial years to manage the tax outflow sensibly.

For the children's education abroad, rather than accumulating rupees and converting at the time of need, we built a dedicated corpus in international mutual funds and ETFs. The returns accrue in dollar terms, so when university fees are due the money is already effectively in the right currency. Two real estate holdings were exited and redeployed.

The Outcome

Within 18 months the portfolio went from scattered and untracked to fully consolidated and goal-linked. The insurance gap is closed. The older child's overseas education corpus is on track and in the right currency. Succession and estate planning conversations have been started.

At a review last year he said: "I spent 25 years building the business carefully. I should have done the same with everything else."

Married Couple

Good income, no real plan, and an insurance agent for a financial advisor

Investment banker and marketing professional, Mumbai. Late thirties, one child.

The Situation

They were earning well — combined take-home of around ₹4 lakhs a month — but their financial life was surprisingly thin. The home loan EMI had become a mental excuse to not save aggressively. Whatever was left after expenses was sitting in the savings account. There were two old insurance-cum-savings policies and a single SIP of ₹10,000 a month started four years ago after reading an article online.

The wife had also taken a career break after their child was born and was returning to work. She wanted her own financial identity within the plan, not just a shared one.

What We Did

We looked at their actual monthly surplus honestly — it was more than they acknowledged — and built a savings plan around what was genuinely available. The two old policies were reviewed; one held to maturity, the other surrendered.

A goal map was built around their child's education, retirement, and a goal the husband held quietly — starting something of his own before 50. A portion of the investment plan was structured in the wife's name with her as the primary decision maker. Proper term cover was put in place for both of them.

The Outcome

Their combined SIP moved from ₹10,000 to ₹2,00,000 a month. The home loan no longer feels like a reason to not invest. The wife has a portfolio in her name that she tracks herself and has since referred three colleagues to us.

The husband's entrepreneurship goal now has a corpus target and a date. Whether he pursues it or not is his call. But the option is being built.

HNI

The business was growing. Everything else was standing still.

Pharma distribution entrepreneur, Pune. Mid-forties, three children.

The Situation

He had grown his pharma distribution business from scratch over 15 years across Telangana and parts of Andhra. Everything had gone back into the business for most of those years — the right call at the time. The problem was that the habit had continued well past the point where it needed to.

Personal surplus was sitting in current and savings accounts. There were LIC policies taken to save tax at year-end, stocks bought during the 2020-21 bull run that had fallen and never recovered, and an agricultural plot a friend had convinced him was a good bet. He had three children aged 16, 13, and 9. The eldest was already talking about studying medicine abroad. None of this had been planned for.

What We Did

We mapped the full personal balance sheet separately from the business. The LIC policies were reviewed and either paid up or exited in phases. The stock positions were cleaned up — some had no reason to be held, others retained with a clear rationale.

For the eldest child, with two to three years before university applications, we built a dedicated corpus in international funds accumulating in dollar-denominated assets. For the younger two, longer-dated equity portfolios were started with 8 to 12 year horizons. A personal retirement SIP of ₹2,00,000 a month was set up targeting retirement from active management by 55. A basic will and nomination structure was also put in place.

The Outcome

A year in, all three children have dedicated education portfolios. The oldest child's overseas corpus is on track and in the right currency. The retirement goal has a clear number behind it. The clutter of old policies, forgotten stocks, and idle cash is gone.

He called a few months ago to say his younger brother, also a business owner in Hyderabad, wanted to meet us. That felt like the right kind of outcome.

Real families. Real outcomes.

What families say

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