If your question isn't here, just ask. We'd rather have the conversation.
About NIVO
NIVO Wealth is a Jaipur-based firm founded by Jatin Dusad, CA: an AMFI-registered Mutual Fund & SIF Distributor and APMI-registered PMS Distributor. We help individuals and families invest across mutual funds, SIF and PMS, with clarity at the centre of every decision.
Jatin is a Chartered Accountant and a third-generation finance professional from Jaipur. He founded NIVO to give investors what he felt was missing: clear, jargon-free guidance and service that lasts beyond the sale.
We're based in Jaipur, Rajasthan. Mutual fund investing is fully digital, so we work with clients across India. Reach out and we'll be honest about fit.
NIVO Financial Services LLP is an AMFI Registered Mutual Fund & SIF Distributor (ARN-363269) and an APMI Registered PMS Distributor (APRN09423). Please note we are not a SEBI Registered Investment Adviser (RIA).
Services
There's no rigid minimum to start a conversation. Some services (like PMS) carry SEBI-mandated minimums — ₹50L for PMS, for example. We'll tell you clearly what fits your situation.
Yes. NIVO is registered with APMI as a PMS distributor (APRN09423). We help you evaluate SEBI-registered portfolio managers, understand strategies and fees, and stay your point of contact after you invest. The portfolio itself is managed by the manager you choose.
We help you evaluate protection-first insurance: term, health and genuine life cover, facilitated through IRDAI-registered insurers and intermediaries. We focus on the cover you actually need, and avoid pushing investment-linked products where simpler options serve you better.
Yes. Tax planning and compliance are part of what we do, backed by chartered accountants: tax-efficient structuring through the year, plus ITR filing support, capital-gains statements and notice support when you need them.
How it works
No. You don't pay NIVO anything directly. As an AMFI-registered Mutual Fund Distributor, we earn standard distribution commission from asset management companies — it is already part of every fund's published expense ratio, never an extra charge to you. We disclose the commission we earn whenever you ask.
It starts with a 30-minute conversation. From there we map your full picture of investments, cover and goals, and walk you through our suggestions in plain language before anything is implemented.
Proactively: scheduled quarterly reviews, and whenever something genuinely needs your attention. Not just when markets move.
Every client gets a secure online portal and a mobile app: holdings, SIPs, statements and capital-gains reports in one place. You’ll get your login as part of onboarding.
That's common. We'll review what you have, tell you honestly what's working, and suggest changes only where they genuinely help.
Safety & Compliance
Your investments are held with regulated entities (AMCs, insurers, custodians), not with NIVO directly. As a Mutual Fund Distributor, we never take custody of your funds.
Mutual fund and SIF distribution is governed by SEBI/AMFI rules; PMS distribution by SEBI/APMI. Insurance products are regulated by IRDAI. Registration details are on our Disclosures page.
Contact our Grievance Officer, Jatin Dusad, at invest@nivowealth.com. For unresolved complaints, you can escalate via SEBI SCORES (scores.gov.in) or SmartODR (smartodr.in). Details are on the Disclosures page.
