Stage 1 · First salary
First job, first savings, first habits.
- An emergency fund of 3–6 months in a liquid fund or FD
- Your own health cover, while premiums are low
- A first SIP, even ₹2,000 a month, stepped up yearly
Wealth Rishta Financial Services · Nagpur
Rishta means relationship.
Rishta means relationship.
Ours is with your money, for life.
Who we are. An AMFI-registered mutual fund distributor and IRDAI-registered insurance distributor, run by Sagar Agrawal (B.Com, LLB, CA Final) from Nagpur.
What we do. We help families invest through mutual funds and SIPs, protect themselves with the right insurance, and stay on track with yearly reviews, from the first salary to retirement.
Why people stay. Your money goes straight to the fund house or insurer, never to us. Our commission is disclosed. No product is pushed in the first meeting.
- ARN-367739AMFI ARN, valid till 05 Aug 2029
- 31 fund housesSchemes we can invest you in
- 13 insurersLife, health, motor, general
- Takli Seem, NagpurOffice near Rachna Ring Road metro
How the rishta works
One relationship, every stage of life
What we do together as life changes. The figures are from our own calculators, at an assumed 12% a year; they are illustrations, not promises.
- 22–26
- 27–32Stage 2 · Marriage, a young family
Someone now depends on your income.
- Term cover of 10–15× your yearly income
- A family-floater health policy; parents covered separately
- Goals written down, with a separate SIP for each
- 30–40Stage 3 · Children
The biggest goal most families have.
- An education SIP per child, started early
- ELSS for tax saving if you file under the old regime
- Term cover and nominations updated
- 40–50Stage 4 · Mid-career, a home
Income grows. The plan should too.
- Step up SIPs with every raise
- A down-payment plan, and the EMI checked before the loan
- Yearly review of the asset mix; health cover topped up
- 50–60+Stage 5 · Retirement
The corpus has to last 25 years or more.
- A gradual shift from equity to hybrid and debt
- A monthly income (SWP) planned from the corpus
- Senior-citizen health cover before age limits; a will in place
Now your numbers
Pick the goal closest to you
Two sliders, an instant figure, and a WhatsApp message to Sagar with your plan already written out.
Monthly SIP needed
₹0
Illustration only. Returns are assumptions, not promises. Mutual fund investments are subject to market risks.
We distribute schemes and policies from
Aditya Birla Sun Life Mutual Fund
Axis Mutual Fund
Bandhan Mutual Fund
Bank of India Mutual Fund
Baroda BNP Paribas Mutual Fund
Canara Robeco Mutual Fund
DSP Mutual Fund
Edelweiss Mutual Fund
Franklin Templeton Mutual Fund
HDFC Mutual Fund
Helios Mutual Fund
HSBC Mutual Fund
ICICI Prudential Mutual Fund
Invesco Mutual Fund
JM Financial Mutual Fund
Kotak Mahindra Mutual Fund
LIC Mutual Fund
Mahindra Manulife Mutual Fund
Mirae Asset Mutual Fund
Nippon India Mutual Fund
PGIM India Mutual Fund
PPFAS Mutual Fund
Quant Mutual Fund
Quantum Mutual Fund
Samco Mutual Fund
SBI Mutual Fund
Sundaram Mutual Fund
Tata Mutual Fund
Trust Mutual Fund
Union Mutual Fund
UTI Mutual Fund
LIC
HDFC Life
ICICI Life Insurance
SBI Life
Axis Max Life
Bajaj General Insurance
Star Health
Niva Bupa
Care Health Insurance
New India Assurance
United India Insurance
Tata AIG
Go DigitTalk to Sagar Agrawal
One conversation, then a plan you can follow
Tell him the goal. He brings the numbers, the schemes and the insurance options, and explains the costs before you sign anything. The first consultation is free.
All 44 partners