Personal financial planning
Clarity and calm
about your money.
Rupaiyaah helps Indian families plan with confidence — goals, retirement, mutual funds and tax, explained in plain language by a Certified Financial Planner professional.
Free 30-minute call · No obligation · No large amount needed to start
- CFP professional
- AMFI ARN-83743
- Since 2011
What we help with
Everything your family needs, under one roof
Personal financial planning that puts your goals first — and keeps it simple.
Goals & retirement
Turn vague dreams into clear, dated goals — with a step-by-step plan to reach each one.
Mutual funds & investing
The right amount, in the right funds, for the right goals — without the jargon.
Insurance & protection
Protect your family with the right cover — no over-selling, no unnecessary policies.
Hemant also delivers financial talks & workshops for teams, institutions and communities. Learn about speaking.
The process
How working together works
A clear, five-step path — from your first questions to a plan you understand and can follow, with support that continues.
- Step 1
Book a consultation
A free, relaxed 30-minute Zoom call — no obligation.
- Step 2
Understand your goals
We talk through where you are, where you want to go and your comfort with risk.
- Step 3
Your personalised plan
A simple, personalised plan — goals, numbers and clear next steps.
- Step 4
Review it together
We go through the plan together, so you understand the “why” behind every step.
- Step 5
Ongoing support
Regular reviews and honest guidance as life and markets change.
Free 30-min call · No obligation · No pressure
Meet your planner
Hemant Agarwal
For over a decade, Hemant has helped Indian families make sense of their money. As a Certified Financial Planner professional, he listens first — then builds a plan around your life, your goals and your comfort with risk.
He turns complex ideas — budgeting, tax, NPS, mutual funds — into simple steps anyone can follow, so money becomes the quiet engine behind the life you want.
- Certified Financial Planner professional (CFP), guiding Indian families since 2011.
- Plain-language guidance across goals, mutual funds, NPS and tax — no jargon, no over-selling.
- Ongoing reviews as life and markets change — not one-off tips.
Our approach
Good advice is a conversation, not a lecture. I listen first, then build a plan around your life — so money feels calm, not stressful.
Client reviews
Trusted by families for years
Rated 5.0 on Google.
“Have been consulting Hemant for almost 10 years now ...He's a hub of knowledge and is always there with the right kind of advice ... ps : Its only him who can make a lazy bum like me file ITR well in time ...”
“Great service. Quick and easy. The team is prompt and very responsive. Would definitely recommend it.”
“Grt experience with honest person. Thank you Mr Hemant”
Why Rupaiyaah
Calm, honest guidance — built to last
Advice that puts your goals first and stays simple, for the long run.
- Goal-first, always
We start from your life goals and work back to the plan — not the other way around.
- Plain language
Tax, NPS, mutual funds and insurance, explained simply — no jargon, no confusion.
- Guidance that continues
Regular reviews as life changes — not one-off tips you're left to act on alone.
- Built around you
Advice shaped by your life, your comfort and your pace — never one-size-fits-all.
Free resource
NPS & its tax benefits, explained
The National Pension System offers tax benefits beyond the usual ₹1.5 lakh limit — a low-hanging fruit most taxpayers miss. Get the plain-English guide, free.
Get the free NPS eBookFAQ
Questions, answered
The things people most want to know before a first call.
Not at all. Good planning matters more than a big starting amount. Many families begin with small, regular investments — what matters is starting early and staying consistent.
Yes. Your first 30-minute Zoom consultation is completely free, with no obligation to continue. It's a chance for us to understand your goals and for you to see how I work.
Indian families and individuals who want clear, jargon-free help with goals, mutual funds, retirement (NPS), tax and long-term wealth-building — whether you're just starting out or already investing.
Absolutely. Everything you share stays 100% confidential. Your data is used only to build your plan and is never shared with anyone else.
Yes. Many clients come with existing investments. We review what you hold, align it with your goals, fix gaps in insurance and tax planning, and build a clear roadmap forward.
One honest conversation about your money
The best time to start planning was years ago — the next best time is today. In one free 30-minute call, you'll leave with clarity on where you stand and a clear first step.
- Free 30-min Zoom call
- No obligation
- Leave with a clear next step