Life is what happens when you’re busy making other plans.
Mostly, financial.

What is Financial Freedom?

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What is Financial Freedom? •

Financial Freedom is to be able to comfortably afford your life choices. To not to have to think about money all the time. It enables you to freely choose how you wish to spend each day.

No Bias

No Commission

Fixed fee only

AZAD is offered only on a fixed fee basis, unlike most others who earn a commission on products sold to clients. Our model ensures that advice offered to you is unbiased and uncompromised. We work in your best interest, always. The cherry on the cake is that our fixed fee model will save you lots of money.

What we do

How it works

The AZAD Programme combines financial planning with wealth creation to help meet your goals.

Understand

We take great care to understand you. We do in-depth analysis before starting your journey.

  • • Your life’s current situation, both, personal and financial

    • Your responsibilities, aspirations, and choices you would like to make

    • Your current balance sheet, income and expense analysis

    • Action plan to correct and fix loopholes in your finances.

Plan

After understanding you and analysing your finances, we develop a plan that is custom-made to help you achieve your life goals.

  • • Cover existing risks, plan for unexpected events/expenses. 

    • Plan for future expenses across stages of life.

    • Create a financial portfolio aligned with your risk profile that will deliver returns to meet your aspirations.

Execute

We track progress achieved against the goals. We expertly guide you, helping you with the best product choices.

  • • Putting the plan into action: paperwork, setting up accounts and more; we get everything done, big or small.

    • Goal-tracking and progress review: Any good plan needs close monitoring; we do it every quarter for you.

    • Course-correction: adjusting your plan if your personal circumstance or markets have changed. Rebalancing the portfolio is important.

    • Annual review: What is the increase in your personal net worth? How much Money Saved Money Earned (MSME)? We measure and deliver these.

Azad Services

Choose the service that suits you

Azad Essential

Annual Fee, No Commissions.

₹40,000

+ GST as applicable

• 360 degree assessment

• Goals Planning

• Customised Azad plan

• Azad Coach – quarterly reviews, course correction/plan refresh

Azad Plus

Annual Fee, No Commissions.

₹60,000

+ GST as applicable

• 360 degree assessment

• Goals Planning

• Customised Azad plan

• Azad Coach – quarterly reviews, course correction/plan refresh

  • • Past Portfolio - analysis and clean-up of past

    • Monthly reminder for actions

    • Help in set-up of direct MF investments account/utility

    • Help in buying Insurance - Life, Motor, Property, Health

    • Help in set-up of Demat for Shares, Bonds, and Gold

    • Updation/ service in Bank accounts, Insurance, PPF, MF

    • Home delivery and pick-up service of documents, cheques etc.

    • Opening of NPS account, Sukanya Samriddhi, Senior Citizen scheme

    • Assistance in filing Income-Tax Returns

    • Making a Will document

    • Meetings at convenience of your office

Amazing clients have allowed us to produce work we are proud of.

  • It has been an incredible journey with the Azad programme for the past two and half years. Rajiv explained the financial freedom theory in a manner which can be easily understood by anyone who doesn’t have any finance background like myself. He not only helps through the financial journey but also explains why certain instruments work best for you and why others don't. We have been working together for the past 3 years to increase my personal net worth and be financially secure.

    SHARON BORGOYARY

  • It would be unfair to say that “Azad changed my financial health”. They actually changed my ”Life”. It began with the discipline of saving and investing which they instilled in me. Thanks to them today I’m not only well on my way to financial freedom, I’m also living a life without burden. A life where I don’t have to take Sh*t from my boss because I need the money. I now know what being free feels like. Hell yeah it feels so good.

    SHREEKANT SRINIVASAN

  • Azad has been an eye opening life changing engagement that made me think very differently about my financial needs and more importantly life goals. They offer sound unbiased advice that changes one thinks about financial freedom, wealth generation  and getting smart about owning decisions regarding money. It’s education everyone needs. Wish I had met them when I was 15.

    YUVRAJ BAGHWALA

  • I reached out to Rajiv after I retired. Apprehension over my financial well being was replaced with peace of mind. Rajiv’s recommendations are well researched and therefore sound and Priyadarshini’s impeccable relationship management makes it a pleasure to associate with them. How I wish I knew of them before I retired!”

    SHANTANU DAS GUPTA

  • Our financial health has improved tremendously thanks to the guidance and round-the-year support we have received from Azad. Additionally, Azad has continually assisted us to understand, in layman's terms, various investment options and methods in order to maximize returns whilst balancing out the risks involved. We wish Azad all the very best in all their future endeavours!

    BRIAN REBELLO

  • A goal without a plan is just a wish. Being with Azad has helped me realise a pathway to my goals and a timeframe to achieve the same. These have always been on track, irrespective of the market conditions. The systematic and detailed approach to goal-based investing by Rajiv and Varsha has really changed the concept of financial planning I was aware of. Keep up the great work.

    NASHWIN SERRAO

  • It becomes increasingly important nowadays to have advice you can trust and not have to second guess. The Azad model allows for that. Azad has helped me set financial goals and work towards them. Over the years, my confidence in their ability has grown. The system of regular reviews and overall agility of the team keeps you on top and on track.

    SUMEER MATHUR

  • Azad enabled me to be more productive and efficient, giving me the freedom and time to focus on doing my business while knowing that the financial fundamentals were securely in place. This outstanding company has demonstrated a thorough and rigorous approach to its customer service policy and practice. I am impressed with their integrity and independent, out of the box thinking. Punching above its weight, this small team delivers an excellent level of service every time, in all things, and to the highest professional standards. They truly listen to the needs of their clients, always keeping them informed and adjusting their own practices and offerings to suit the clients’ needs. Supreme attention is paid to all systems and processes, striving for accuracy and efficiency. Constant improvement and ‘small changes every day’ is key to the company’s success and its high level of client satisfaction.

    RAM GUPTA

  • Taking this journey of moving from financial security to financial freedom with the Azad programme has been one of the most important decisions in our lives. In the last 5 years, Rajiv and Nishchay have not only helped inculcate financial discipline in us and planned our short-term and long-term goals but have also groomed us through the right investment philosophy. The Azad programme is not just about choosing the right financial products but also developing a mindset to achieve financial freedom.

    GUNAJIT KALITA

Meet the team

Varsha Chauhan
AZAD Coach and Expert (ACE), CFP

Sakshi Jain
Operations Manager

Rajiv Sanoriya
AZAD Planner, CFP

Pooja Rawat
Research Analyst

Vaibhav Kadam
Documentation Executive, Mumbai

Adesh Chauhan
Documentation Executive, Delhi NCR

Rajiv Jamkhedkar
Founder & Managing Director

Sashi Sagar
Marketing & Outreach

Get in touch.

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