Behind Niyati
Financial planning is often sold as a complex mystery, but at its heart, it’s about simple logic and discipline. When I founded Niyati Financial Solutions in 2017, I saw a gap in how families and businesses in Surat were being served. Most advice was product-led, not solution-led.
I built Niyati to change that. We don't just sell insurance or mutual funds; we engineer financial outcomes. Whether you're a salaried professional looking for tax-efficient wealth growth or a business owner in GIDC needing to optimize your credit lines, we apply the same institutional-grade rigor to your capital.
Our roots are deep in Gujarat, but our perspective is global. We believe in transparency over jargon. If we can't explain a strategy to you in plain language, it’s not the right strategy for you. That’s been the Niyati promise since day one.
2017
Foundation in Surat with a focus on Debt Syndication.
2020
Expansion into Wealth Management & AMFI Registration.
Today
Trusted by 500+ families across India for Capital Resilience.
Deep Roots, National Vision
Surat HQ
Operating from the heart of Gujarat's financial hub.
Pan-India Reach
Serving clients across 15+ states with digital onboarding.
Bilingual Advice
Providing insights in Hindi, English, and Gujarati.
Core Values
The principles that guide every decision we make.
Integrity
Absolute transparency in financial advice and fee structures.
Empathy
Understanding that every financial goal is attached to a personal dream.
Precision
Leveraging data-driven insights to minimize risk and maximize growth.
Resilience
Building portfolios that withstand market volatility, rooted in our experience since 2017.
Proven Outcomes
Real-world scenarios demonstrating our strategic approach.
Working Capital Optimization
The Challenge:
A mid-sized textile manufacturer in Surat was struggling with high-interest unsecured business loans, eating into their operational margins.
The Niyati Solution:
We restructured their debt by facilitating a secured CC/OD limit against their existing property and inventory. This resulted in a 4% reduction in annualized interest costs and improved cash flow flexibility.
HNI Wealth Preservation
The Challenge:
A retiring business owner had highly concentrated wealth in illiquid real estate and underperforming traditional fixed deposits, facing inflation risk.
The Niyati Solution:
We engineered a staggered systematic transfer plan (STP) into a diversified portfolio of hybrid and large-cap mutual funds, ensuring liquid, inflation-beating returns while minimizing capital gains tax impact.
Ready to Begin Your Financial Journey?
Connect with our strategic solutions team and take the first step towards your financial goals.