01
Mutual Funds
A wide range of mutual fund products selected around your individual goals and risk profile.
Read MoreAMFI-registered mutual fund distributorARN-90675Distributor, not an investment adviser
✦ AMFI-Registered Distributor · Serving families since 2009
Invest with clarity. Grow with
discipline.
Start with a free, no-obligation review of what you already own — then let goal-based planning and curated mutual fund baskets do the heavy lifting for the years ahead.
AMFI-registered MFD · ARN-90675
Portfolio Snapshot
₹48,20,540
▲ XIRR 13.2% since 2019
Risk Profile
Balanced Grower
Goal · Aarav's Education
72% funded
On track · SIP ₹18,000/month
500+
Families served
₹60 Cr
Assets under advice
18 yrs
Of market cycles, together
98.4%
Client retention
Assets under advice as on 30 June 2026. Retention measured over trailing 3 years.
What we do for you
Six ways to begin, most of them free.
Whether you're just starting out or sitting on a decade of scattered folios, there's a clear first step here for you.
Free
Free Portfolio Analysis
Upload your CAS and get a plain-English report on overlap, cost drag, laggards and gaps — within 24 hours.
Get my free reportFree
Free Risk Profiling
Eight honest questions to discover the investor you actually are — and the asset mix that lets you sleep at night.
Find my risk profileFree
Free Digital Onboarding
PAN-based KYC check, bank verification and e-sign. Ten minutes, fully paperless, start your first SIP the same day.
Open an accountGoal Planning
Education, retirement, first home — we translate each dream into an inflation-aware monthly SIP you can actually keep.
Plan your goalBook a Consultation
Thirty unhurried minutes on phone, video or over chai at our office. No product pitch, just answers.
Curated Baskets
Ready-made fund combinations matched to your goals and risk profile — reviewed every quarter by our desk.
See the basketsOur products
Financial solutions for every stage of life.
Explore a considered range of investment, protection and wealth-building products.
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Fixed Deposits
Compare partner-issuer fixed deposit rates side-by-side and book the one that fits your tenure.
Read More03
AIF
A privately pooled investment vehicle for sophisticated investors, regulated by SEBI under the AIF Regulations, 2012.
Read More04
PMS
Professionally managed, directly-held equity, debt and cash portfolios tailored to your risk profile.
Read More05
SIF
A SEBI-regulated vehicle bridging mutual funds and PMS, offering advanced strategies with a lower entry barrier.
Read More06
Life Insurance
LIC plans offering death cover, maturity benefits, a sovereign guarantee and tax relief.
Read More07
Health Insurance
Care Health Insurance plans covering hospitalisation, day care treatments and a wide cashless network.
Read More08
Motor Insurance
New India Assurance cover for private cars, two-wheelers and commercial vehicles, third-party and comprehensive.
Read More09
General Insurance
New India Assurance non-life cover across health, motor, property, travel and commercial risks.
Read MoreGoal planningPut a number on the dream.
Put a number on the dream.
Then a date.
A ₹25 lakh dream today won't cost ₹25 lakh tomorrow. We translate each of life's milestones into an inflation-aware target — and a monthly SIP your household budget can actually keep.
- 1Name the goal.
Education, retirement, a home, a wedding — or simply wealth. - 2We price its future.
Inflation-adjusted, with honest return assumptions. - 3You start one SIP.
Mapped to a basket, tracked to the finish line — with annual step-ups.
GraduationCap 12–15 yrsChild's Education
Fees rise faster than CPI. Start when they're small, smile when they're eighteen.
Palmtree 20–30 yrsRetirement
Thirty years of salary must fund thirty years without one. Compounding needs a head start.
Home 5–8 yrsFirst Home
Build the down payment deliberately, so the EMI never owns your evenings.
Palmtree 10+ yrsWealth Creation
No single deadline — just the quiet decade of SIPs that changes a family's trajectory.
SIP Calculator
Plan your monthly SIP
See how a disciplined monthly SIP can grow over time.
Monthly SIP₹20,000
Invested
₹36 L
Growth
₹59.19 L
Total value
₹95.19 L
Projected value in 15 years
₹95.19 L
at an assumed 12% p.a. · illustrative
+₹59.19 L of growth
InvestedGrowth
Curated baskets
Ready-made portfolios, matched to your life.
Each basket is a hand-picked combination of 4–6 funds, mapped to a goal and a risk profile — and reviewed every quarter by our research desk.
Low risk
Pehla Kadam
For first-time investors who want growth without white-knuckle volatility.
40% Equity50% Debt10% Gold
₹2,500
Min SIP
4
Funds
3+ yrs
Horizon
Moderate risk
Grihasti Growth
For growing families balancing today's EMIs with tomorrow's milestones.
65% Equity30% Debt5% Gold
₹5,000
Min SIP
5
Funds
5+ yrs
Horizon
High risk
Udaan
For long-horizon compounders comfortable riding out full market cycles.
90% Equity5% Debt5% Gold
₹5,000
Min SIP
6
Funds
7+ yrs
Horizon
Low risk
Sahara Income
For retirees who want a steady monthly income stream via SWP, with capital care.
25% Equity70% Debt5% Gold
₹3,000
Min SIP
4
Funds
3+ yrs
Horizon
Moderate risk
Kar Bachat ELSS
For salaried professionals who want Section 80C savings working harder than an FD.
100% Equity
₹2,000
Min SIP
2
Funds
3+ yrs
Horizon
High risk
Videsh Vistaar
For globally-minded investors adding US and international equity to the core.
85% Equity10% Debt5% Gold
₹5,000
Min SIP
5
Funds
7+ yrs
Horizon
About AKS financial services
Seventeen years of sitting on the same side of the table.
Arthavya began in 2009 — in the shadow of the global financial crisis — with a single conviction: Indian families don't need more products pushed at them. They need someone who will listen first, explain patiently, and stay through every market cycle.
Our founder started with eleven client families in a one-room office in Gurugram, hand-delivering account statements and explaining NAVs over cups of chai. Today we advise over 2,400 families across India and the NRI diaspora — yet every relationship still begins the same way: with your goals, not our products.
We are an AMFI-registered mutual fund distributor, compensated through commissions from asset management companies. That means no fees invoiced to you — and it also means we owe you total transparency about how we earn, which we provide in writing, every year.
We've held hands through 2008's aftermath, the 2013 taper tantrum, the 2020 crash and every euphoric top in between. The families who stayed invested are the reason our retention is 98.4%.
17+
Years beside our
client families
client families
Advice before products
Every engagement starts with your goals and risk profile — never with a scheme brochure.
Radical transparency
Annual written disclosure of the commissions we earn on your investments. No surprises, ever.
One family, one advisor
You get a named advisor who knows your story — not a call-centre queue that knows your ticket number.
Through every cycle
We call you when markets fall — before you feel the need to call us. Behaviour is half the return.
“Wealth is not built in bull markets. It is built in the quiet decade when a family keeps its SIP running while everyone else panics. Our job is to be the steady voice in that decade.”
KP
KETAN G PATEL
Founder · ARN-66711
Client stories
Families who put a date on their dreams.
★★★★★
“G M Financial owner Mr Ketan Govindbhai Patel is a dynamic person for wealth creation His guidance for SIP and MITUAL FUND help me a lot for creation of my...”
Dr Krishnakant M Patel
Family physician
★★★★★
“I have had a great experience with this investment platform. Over the years, Ketan Patel’s guidance and expertise have helped me build a strong and well-planned investment portfolio. His support...”
Shraddha Patel
Senior software developer,Ahmedabad
★★★★★
“I am writing to formally share my experience regarding the professional services provided by Shri Ketan bhai patel who operates as my mutual fund advisor. Over the course of our...”
Moiz S Patrawala
Ex banker, Ahmedabad
★★★★★
“I have been investing with Ketan Patel and GM Financial Services for over 15 years, and the experience has been exceptional. Throughout our long association, Ketan has shown a deep...”
Kirtan J Parikh
Branch Manager, Ahmedabad
★★★★★
“Excellent financial guidance and service. I am doing my SIP through GM Financial and have had a very positive experience. Ketan Patel is knowledgeable, supportive, and explains investment options very...”
Shomeet Colvalkar
Co- Partner,Mandovi Cruises ,Goa
★★★★★
“I joints from last 2 years with G M FINANCIAL SERVICES & My experience with this has been very good; we can easily view transparent records of every transaction whenever...”
DC
Dilipkumar C Shah
M.Com Bed, Retired Higher Secondary Teacher,Gandhinagar
Recognition
Built for trust, validated by consistency.
Certifications, registrations, and milestones that reflect years of disciplined advisory practice.
2011
AMFI Registration
Registered Mutual Fund Distributor with AMFI — compliant, transparent, and regulated.
NISM
NISM VA Certified
Nationally certified advisory team under NISM Series VA for mutual funds.
Zero
Unresolved Grievances
A clean complaint record — every client concern resolved with full transparency.
The Arthavya app
Your entire portfolio, in your pocket.
Track every folio, start or step-up SIPs, download capital-gains statements at tax time, and message your advisor — all from one clean app.
- Live portfolio value and XIRR across all family members
- One-tap SIP start, pause and step-up
- Goal trackers with funded-percentage at a glance
- Instant capital-gains & ELSS statements for tax filing
Family portfolio
₹1,12,48,320
▲ ▲ ₹84,210 today · XIRR 13.4%
Aarav's Education72% ●
Retirement 204441% ●
Emergency Fund100% ✓
Ready for a clearer view of your money?
Start with a free portfolio review, a consultation over chai, or open your account in ten minutes — the first step is always free.
Open an accountGet my free portfolio report
A named advisor — not a call centre — will reach out within one working day.
Free portfolio analysisAnalyse my portfolio