Pratik Ganatra and Shivaay Financial Services
A small firm that plans cover and investments together, for families and businesses across Kolkata.
- 3Years advising families
- 100+Families advised
- 6Plans built around a goal
How we got here
Most families do not have a money problem. They have a coordination problem. The insurance came from one person, the investments from another, and nobody ever looked at the whole thing at once.
Shivaay works the other way around. We start with what you are protecting and what you are building towards, then design a plan that does both at the same time, which is where the tailor-made products come in.
Why one plan can do the work of four
Most families need more than one future planned for: a child’s education, a retirement, the people who come after them, wealth that grows. Few budgets stretch to a separate plan for each. Sudarshan Chakra is our own design that brings them together, shaped around the family rather than the other way round.
Why our plans are different
Some of what we offer is not available anywhere else. Those plans are approved for Shivaay specifically by the insurer, which means another advisor cannot construct them for you even if they know they exist.
How we are paid
We are paid commission on the products we distribute, by the insurers or through the intermediary we are registered with. That is the standard arrangement in this industry, and we would rather you heard it from us on this page than worked it out later. It is also why we will tell you when the right answer is to buy nothing at all.
What you can expect
A plan in plain language. Figures with their assumptions attached. A yearly review where we are willing to say nothing needs to change. And the same person on the phone at claim time as at sale time.
Your policy sits with the insurer, in your name
We are not the insurer and we do not hold your money. The policy is issued on the insurer’s paper, in your name, and the contract is between you and them. What we do is choose it well, get the paperwork right, and stay with you afterwards, including at claim time.
- Issued by a licensed life insurerEvery plan here is underwritten and issued by an IRDAI-registered life insurance company.
- The same person throughoutWhoever explains the plan to you is the person who answers the phone at renewal, and at claim.
- Nothing is held by usPremiums go to the insurer directly. We never take custody of your money.
Start with a conversation
Tell us what you are trying to sort out. We will tell you honestly whether we can help.
Insurance is the subject matter of solicitation. Market-linked values are projections, not guarantees. Investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future.