Maharashtra · Formerly NS Advisory
From the seeds of investment to the forest of wealth
You will spend about eighty years alive and earn in about forty of them. Everything the other forty costs has to come out of those forty. We arrange the insurance, loans and investments that make that arithmetic work.
Before anything else
You will spend about eighty years alive and earn in roughly forty of them. Move the age and see what is left of yours.
Days in
a life
29,200
Days still
to pay for
16,425
Load on each
earning day
1.8 days
The eighty years above are a planning assumption, not a life expectancy — you plan to it because the cost of being wrong in that direction is your family’s. Roughly half of them are earning years. Savings a parent may have are theirs, and are not counted here.
Who this has to cover
One question, and it draws your household on the dial
Tick whoever lives on what you earn. Several can be true at once, and if nobody does, say so — that is a complete answer too. Nothing is sent anywhere until you choose to.
Talk this throughThe order that works
Each one only holds if the one below it is already there. Most people start at the top — that is usually what went wrong.
Application forms are being finalised. Until they are live, call or email us and we will start your application directly — it takes the same fifteen minutes either way.
A separate door
Not a step in the pyramid — loans are how something gets started rather than how it gets protected. Two of them are our speciality.
Where we are different
A doctor loan is financing for a new clinic or hospital, underwritten on your professional and educational credentials and the revenue potential of your practice — rather than on the collateral you may not have yet.
Funding and incorporation handled as one file. Your company gets registered and compliant at the same time as it gets funded, so eligibility for government schemes is not lost to a paperwork delay.
Who you are dealing with
Founder-CEO
Nikhil Gadkarr is a CFP® certified, NISM Brokers Qualified financial advisor, registered with AMFI under ARN-316331. Before he advised a single client he worked on the operations side inside the insurance industry — the part that actually processes policies and settles claims. Most advisors have never seen it, and it is the reason a file handled here rarely comes back for a missing document.
For the uniform
Nikhil runs free financial planning and awareness programmes for India's uniformed services. The sessions are held in person, and they cost the unit nothing.
Where your application goes
Your application is placed with a regulated partner platform. You still deal with one person here.
Straight answers
A common starting point is 10 to 15 times your annual income. We then adjust it for your outstanding home or business loans and what your children's education will cost, so the cover is sized to your real liabilities rather than to a formula.
Often, yes. A doctor loan is underwritten on your professional and educational credentials and the revenue potential of your practice rather than on conventional collateral. Approval and final terms are at the sole discretion of the lending institution.
It means the money and the paperwork are handled as one file. The funding is arranged alongside the incorporation and compliance work, so your eligibility for government schemes is not lost to a paperwork delay.
Our head office is at Ashar IT Park, Thane, and a network of 23 or more professionals covers Pune, Nashik, Nagpur, Jalgaon, Aurangabad and the surrounding districts.
Yes. The financial planning and awareness programmes run for the Army, Navy, Air Force, CRPF and paramilitary forces, Maharashtra Police, MSEB, MAHADISCOM, MAHATRANSCO and hospital staff are free of charge.
Your PAN and Aadhaar, plus basic contact details and a few questions about where you are in life. Documents are collected on the application form itself, not on this page.
