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Before we talk about funds,we talk about you.

SLA Finserv is a Jaipur-based AMFI-Registered Mutual Fund Distributor. Since 2004, we have helped 8,000+ families invest towards the things that matter to them, one honest conversation at a time.

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See what your SIP could become.

Monthly Investment₹
Expected Return%
Investment Periodyears
Annual Step-up%

Increase your monthly SIP by this % every year — a step-up helps your investment keep pace with rising income.

Start Your Investment Journey
Invested Amount ₹24,00,000
Estimated Returns ₹75,91,479
Total Value ₹99,91,479
Tap or hover a bar to see any year
Year 1Year 20
InvestedReturns

Illustrative calculation only. Actual returns may vary. Mutual fund investments are subject to market risks.

Why choose SLA Finserv?

01

Goal First

We start with your goals, not just products.

02

Simple Guidance

Complex financial concepts explained clearly.

03

Disciplined Investing

Focus on consistency and long-term thinking.

04

Personalised Approach

Investment decisions aligned with individual needs.

05

Transparent Process

Clear communication throughout your investment journey.

06

Long-Term Perspective

Focus on sustainable wealth creation rather than short-term hype.

Featured Insight

More income doesn't always mean more wealth.

Building wealth is about what you keep, how consistently you invest, and how well your money is aligned with your goals.

Read the full insight
Wealth retained vs income earned
Income Wealth kept
Client voices

What investors say.

Real words from clients, some of whom have been with us for 7 to 10 years.

Hover to pause, or scroll to read at your own pace.

Talk to an Expert
I am happy that the SLA Finserv Pvt. Ltd. has entered its 10th year. It has been a long association with SLA Finserv Pvt. Ltd. I have seen Ashish…
Anjay RoyAnjay RoyTata Docomo
I have been associated with SLA Finserv Pvt. Ltd. for over 8 years now and my faith on them has grown exponentially all this time. Their will and…
Ashish GalavAshish GalavTeam Lead, Amdocs
SLA has been a constant information counter and a guide for past 6 - 7 years. My relationship manager at SLA is a confidant and a smooth talker and…
Divya and Madhur SindhiDivya and Madhur SindhiDelhi
Thank you so much SLA Finserv Pvt. Ltd. for guiding me for my financial independence and making sure that my future is safe in terms of my financial…
Rahul AhujaRahul AhujaPrincipal, Presidency College of Hotel Management
My investment with Ashish started with a roller coaster ride as I didn’t understand SIPs and the power of compounding initially. Whenever markets…
Ankur ShahAnkur Shah7 years of association
My 5 years association with SLA has been very rewarding. It helped me to channelize my savings and has been giving consistent returns on my…
B K SubbaiahB K Subbaiah5 years of association
SLA is the unique setup to manage your personal finance. Three years back I didn’t know anything about personal finance. I was searching a good mentor…
Jeetendra Kumar TankJeetendra Kumar TankHR Manager, Vaibhav Global Limited
Someone says - research is much more than just listening to popular opinion. But you changed this quote. Your opinion matters. Thank you.
Rajesh Kumar GargRajesh Kumar GargImpulse India Advisory Services

Got a money question you are embarrassed to ask?

Good. Those are the ones we like best. No pitch, no pressure. Just an honest answer.

We help you invest towards the life you are actually living.

Your goals, not a product someone needs to sell. That has been the idea since 2004.

Building a monthly habit

Most people do not lack money. They lack a system. We help you look at what comes in and what goes out, then set up a monthly SIP that fits your salary and your life.
Questions we ask you:

What do you pay every month before anything else?
What amount could you invest without feeling it every month?
Ask us

Your child's education

You already know the year your child starts college. We help you invest towards that date early, so it does not arrive as a shock.
Questions we ask you:

How many years until you need the money?
Have you looked at what that course costs today?
Ask us

Growing wealth over time

Long goals need patience more than tips. We help you pick an approach, review it with you, and stay invested through the good months and the red ones.
Questions we ask you:

What is this money for?
How would you feel if it dropped for a while?
Ask us

Retirement

The goal is simple: keep living the life you have built. We help you invest towards it while you are still earning, and adjust as your life changes.
Questions we ask you:

When do you want to stop working?
Who else depends on your income today?
Ask us

Understanding risk

Risk and return are two sides of the same coin. Before you invest, we explain the trade-offs and costs of each approach in plain words, so nothing surprises you later.
Questions we ask you:

Have you ever stopped an SIP in a bad month?
What would make you want to stop one now?
Ask us

An emergency cushion

Life does not send a calendar invite. We help you keep money aside that you can reach when you need it, so a bad month does not break a long plan.
Questions we ask you:

How many months of expenses could you cover today?
Who would you call first if something went wrong?
Ask us

Two people. Same salary. Opposite plans.

One supports his parents. The other has a spouse who earns more. Their plans look nothing alike, because their lives look nothing alike. That is what About You, With You means in practice.

What are you investing for?

Your investments should have a purpose. Start with the goal that matters to you.

Grow Your Wealth

Build long-term wealth through disciplined investing. This is for investors without one specific milestone in mind — just a steady, consistent approach to growing what they have over the years.

Best suited to a long investment horizon of 7+ years
Typically built around diversified equity mutual funds
Plan This Goal

Buy a Home

Create a structured investment plan for your future home. Whether the down payment is a few years away or further out, we help you work backward from your target amount to a monthly investment plan.

Set a target amount and timeline for your down payment
A more conservative mix as the goal date approaches
Plan This Goal

Child's Future

Plan ahead for education and other important milestones. Costs for higher education tend to rise faster than general inflation, so starting early — even with a modest amount — makes a meaningful difference.

Account for rising education costs over the years ahead
Combine SIPs with periodic top-ups as income grows
Plan This Goal

Retirement

Build a corpus that can support your life after work. The earlier this starts, the more time compounding has to work in your favour — which is why we treat retirement as a goal worth planning for well ahead of time, not something to defer.

Long time horizons benefit most from starting early
Gradually shift toward stability as retirement nears
Plan This Goal

Protect Your Family

Keep your family financially secure if the unexpected happens. The aim is enough cover to replace your income and clear any loans, plus health insurance that doesn't depend on your employer.

Built around a pure term life policy and a family floater health policy
Best suited to earning members, young parents and business owners with loans
Plan This Goal

Build an Emergency Fund

Keep safe, quickly accessible money aside for job loss, medical costs or other surprises, so you never have to break a long-term investment in a hurry.

A reserve of 6 to 18 months of essential expenses
Kept in liquid funds or similar options that can be redeemed quickly
Plan This Goal

Lifestyle

Plan for the things that make life enjoyable, like a new gadget, a dream holiday, a course, a home makeover, a new car or a wedding, without dipping into your long-term goals.

Usually short to medium term, around 1 to 7 years
A steadier mix, so the money is there when you need it
Plan This Goal
Life milestones

Planning across life stages.

Your priorities change with time. See how guidance looks at every chapter of life.

Age 22–27

Lay the foundation for compounding

Key financial priorities

  • Resist lifestyle inflation
  • Build a 3–6 months emergency buffer

Recommended SLA solutions

  • Systematic Investment Plans (SIP)
  • Liquid Mutual Funds
Plan this stage
Age 26–32

Align dual incomes & shared goals

Key financial priorities

  • Consolidate banking disclosures
  • Ensure adequate pure term life cover

Recommended SLA solutions

  • Goal-Based Portfolios
  • High-Sum Pure Term Life
Plan this stage
Age 28–38

Own real estate without compromising retirement

Key financial priorities

  • Accumulate a 20–30% down payment
  • Keep home loan EMI under 35% of income

Recommended SLA solutions

  • Balanced Advantage Funds
  • Mortgage Stress Testing
Plan this stage
Age 30–42

Secure tomorrow’s higher education

Key financial priorities

  • Beat 10–12% education inflation
  • Ring-fence family child protection

Recommended SLA solutions

  • Dedicated Child Education Fund
  • Super Top-Up Insurance
Plan this stage
Age 40–55

Maximise peak earnings & tax optimisation

Key financial priorities

  • Rebalance concentrated stock or property holdings
  • Accelerate retirement corpus

Recommended SLA solutions

  • Multi-Cap Asset Allocation
  • Private Family Trusts
Plan this stage
Age 55+

Enjoy financial freedom with regular cash flows

Key financial priorities

  • Generate monthly cash flow via SWP
  • Senior healthcare ring-fence buffer

Recommended SLA solutions

  • Systematic Withdrawal Plan (SWP)
  • Estate Planning & Wills
Plan this stage

Your goals deserve a plan.

Let's build an investment strategy around where you want to go.

Insights and Answers

Plain answers to the money questions we hear every week. Read, save, and ask us the next one.

A new SIP takes time to register with your bank and the fund house, so the first debit can land a few weeks after you sign up.

If it has been longer than we told you, call us and we will check where it is stuck.

You can see all your mutual fund holdings in one Consolidated Account Statement, which you can request online with your PAN and email.

We will walk you through it once, so you can do it on your own after that.

A SIP, or Systematic Investment Plan, is a way to invest a fixed amount in a mutual fund every month.

The money is debited from your bank account on a date you choose. You do not have to time anything. You just keep showing up, the same way a monthly EMI works, except this one builds something for you.

Compounding means what you earn can start earning too.

Over many years, the growth on your growth can become larger than the money you put in. The two things that matter most are time and patience: starting early and not stopping in a bad month. Returns are never guaranteed, but time gives compounding room to work.

A mutual fund pools money from many people and invests it in shares, bonds or both, based on a stated objective.

A professional fund manager runs it, and SEBI regulates it. When you invest, you get units in your own name. You own a small slice of everything the fund holds.

NAV, or Net Asset Value, is the price of one unit of a fund on a given day.

A lower NAV does not make a fund cheaper or better. If you invest ₹10,000, you get more units at a lower NAV and fewer at a higher one, but what matters is how the underlying investments move, not the unit price.

Equity funds invest mainly in company shares.

They can rise and fall more, and usually suit goals that are many years away. Debt funds invest in bonds and similar instruments, and usually move less. Hybrid funds hold a mix of both. Which one fits depends on what the money is for and when you need it.

Every mutual fund shows a risk-o-meter, a dial set by SEBI rules that runs from Low to Very High.

It tells you how much the fund's value can move. It does not tell you whether a fund is good or bad, only how bumpy the ride can be. Check it before you invest, and check that it matches how you feel in a bad month.

The expense ratio is the yearly cost of running a fund, taken as a small percentage of your investment.

Every fund has a direct plan and a regular plan. In a direct plan, you invest on your own. A regular plan, which you invest in through a distributor like us, has a slightly higher expense ratio because it includes the distributor's commission.

An exit load is a small charge some funds take if you withdraw before a set period, often within a year.

It encourages people to stay invested for the time the fund is meant for. The exact load and period are listed in each scheme's documents, and we will always tell you before you invest.

KYC, or Know Your Customer, is a one-time check every investor completes before investing in mutual funds.

You need your PAN, Aadhaar, a photo, and a verification step, which can be done in person or by video. Once done, it works across all fund houses. We can help you complete it in one sitting.

That is where most people start, and it is a good place to be.

Begin with two questions: what is this money for, and when will you need it? Once you know that, the rest gets simpler. Call us and we will go through it with you, no forms on the first call.

There is no single right number.

Start with what is left after your fixed costs, your EMIs and a small cushion for the unexpected. An amount you can keep going in a tight month beats a bigger amount you stop after six. You can always increase it later as your salary grows.

Start with two questions: when do you want to stop working, and what will a normal month cost you then?

Inflation will make that month more expensive than it is today. The earlier you start investing towards it, the less you need to put aside each month. Review it every year, because life will change the answer.

A common starting point is three to six months of your essential expenses.

If your income is irregular, or others depend on you, lean towards the higher end. Keep it somewhere you can reach quickly, separate from your long-term investments, so a bad month never forces you to break a long plan.

Give every goal three things: what it is, what it will cost, and the year you need the money.

"Save more" is a wish. "₹5 lakh for my daughter's college fees in 2034" is a goal. Once a goal has a date, it becomes much easier to decide how much to invest and where.

Inflation is the steady rise in prices over time.

What ₹100 buys today, it will not buy in ten years. It matters because your money needs to grow at least as fast as prices just to stand still. Planning for any goal years away means planning for what it will cost then, not now.

Find out what the course your child might take costs today, then allow for fees rising every year.

Work back from the year they will start. Because you know the date well in advance, this is one of the easiest goals to start early, and starting early means smaller monthly amounts.

There are two parts.

Risk capacity is how much your finances can handle a fall, which depends on your income, your dependants and when you need the money. Risk appetite is how you actually feel when your investment drops. Both matter. A plan you abandon in a bad month was never the right plan for you.

We will not tell you what the market will do next.

Nobody can. What we will do is ask you what this money was for, and when you need it. Then we look at your plan together, and you decide.

A SIP spreads your investment across months, so you buy at many different prices and never have to pick a perfect day.

A lump sum puts a larger amount in at once, which suits money you already have, like a bonus. Neither is better in every case. The right choice depends on where the money comes from and how you feel if it dips soon after.

We will not tell you what the market will do next.

Nobody can. What we ask is: what was this money for, and when do you need it? If that has not changed, your plan may not need to either. Talk to us before you stop anything, and then you decide.

As long as your goal needs.

Money for a goal ten years away can stay invested through many ups and downs. Money you need next year should not sit in something that can fall a lot. The goal's date decides the time, not the news.

A step-up SIP increases your monthly amount by a fixed sum or percentage every year, usually in step with your salary.

It lets your investing grow with your income without you having to remember to do it. Many people set it up the month their appraisal lands.

Over time, some parts of your portfolio grow faster than others, and your mix drifts from what you planned.

Rebalancing brings it back, for example back to the share of equity and debt you chose for your goal. It keeps your risk where you decided it should be, not where the market pushed it.

Fewer than most people think.

Each fund should have a clear job in your plan. Holding many funds that do the same thing does not lower your risk, it adds clutter and makes your portfolio harder to track. If you cannot say why you hold a fund, it is worth a conversation.

Last year's top fund often got there because of conditions that may not repeat.

Past performance may or may not be sustained in future. Choosing funds by what fits your goal and risk, and then staying with them, usually serves people better than switching to whatever topped the list.

An SWP is the opposite of a SIP.

Instead of putting a fixed amount in every month, you take a fixed amount out from your investment. People often use it after retirement to create a regular monthly income from money they have built up. The amount and timing are chosen by you.

This is the question we ask you.

A nominee on every folio, and one person who knows where everything is, saves your family months of running around. Check one folio this week. Just one.

Enough for your family to manage if your income stopped.

Add up what they would need: daily living costs for the years ahead, any loans still running, and big goals like your children's education. Then subtract what you have already saved. The gap is roughly the cover to look at. It changes as your life does, so review it after marriage, a child or a home loan.

A term plan is pure life cover.

You pay a premium every year, and if something happens to you during the term, your family receives the sum assured. If nothing happens, there is no payout. Because it does only one job, it usually gives far more cover for the premium than plans that mix insurance with investment.

Your employer's cover usually ends the day you leave the job, and it may not be enough for a serious illness or your whole family.

Buying your own policy while you are young and healthy is often easier and keeps you covered between jobs and after retirement. Think of the employer policy as a bonus, not the plan.

In a cashless claim, the insurer settles the bill directly with a network hospital, so you pay little or nothing at discharge.

In a reimbursement claim, you pay the hospital first and then claim the money back with your bills and documents. Cashless is easier, but only works at hospitals in your insurer's network, so check the list near you.

A nominee makes it easier for your family to receive the money, but a nominee is not always the final owner.

A Will says who should actually inherit what you leave. Having both, and making sure they agree, saves your family time and disputes. At the very least, check that every folio and policy has a nominee.

Investing online is common and regulated, but how you do it matters.

Use only official platforms of SEBI-registered entities, never share your OTP or passwords, and be wary of anyone promising fixed or quick returns. Your mutual fund units are always held in your own name with the fund house. If something feels off, call us before you click.

Your money goes to the mutual fund, not to SLA.

The fund house holds it, and your units sit in your name. We help you invest and keep track, but we never hold your money.

As a Mutual Fund Distributor, we earn a commission from the fund house on the regular plans you invest in.

You do not pay us a separate fee. Ask us how much on any scheme, and we will tell you.

Your money never comes to SLA.

When you invest, it goes straight from your bank account to the mutual fund, and your units are held in your own name. Mutual funds are regulated by SEBI, and each one has independent trustees and a custodian that holds its investments. Every transaction shows up in your statement, which you can check yourself at any time. Like all market investments, the value of your units can still go up and down.

We sit down with you at least once a year, and sooner when your life changes: a new job, marriage, a child, a big expense.

In a review, we check your goals first and your funds second. If your mix has drifted from what you chose, we show you why and you decide whether to rebalance.

Call us first.

We help you understand what documents the insurer needs, check that the forms are complete, and follow up with the insurer on your behalf until the claim is settled. A claim usually comes at a hard time, and you should not have to chase it alone.

Banks and brokers each do important work, and many people use both.

SLA does one thing: we are an AMFI-Registered Mutual Fund Distributor, and we spend our time understanding your goals before we suggest anything. You talk to the same people over years, not a new face each visit. And if you ever have a question, a real person on our desk answers it.

General information to help you understand the basics. It is not a personal recommendation. Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future.

Did not find your question? Ask us.

If you are wondering about it, someone else is too.

Blog

Plain-language reads on money, from the SLA Finserv team.

Have a question the posts did not answer?

Ask us. If you are wondering about it, someone else is too.

Est. 2004 · Jaipur

We would rather understand your life than just look at your portfolio.

Mondays excite us, because we love what we do.

What we are, plainly

We are an AMFI-Registered Mutual Fund Distributor, ARN-110989. We help you invest in mutual funds towards your own goals, and we explain every step in words you would use yourself.

Our Story

Built on guidance, not sales pitches.

2004

SLA Finserv is founded

SLA Finserv started in Jaipur in 2004 with one simple rule: do what is right by the client, even when it is not the easy thing to say.

FY 2010-11

Recognised by Wealth Forum

Recognised by Wealth Forum for FY 2010-11 and FY 2013-14.

FY 2013-14

Best Financial Advisor (North India)

Named Best Financial Advisor (North India) by CNBC for FY 2013-14.

Today

Still a handful of people

We are still a handful of people who care a lot about what we do. Many of us have been here for years, and that steady team is a big part of why families stay with us for years too.

2004Started in Jaipur
8,000+Families who invest with us
₹2,000+ croreAssets under management
Founders and partner

The people who started it, and still answer.

About You, With You. Since 2004.

Ashish Modani
Founder and CEO

Ashish Modani

Founder and CEO

CACFPCTEP

Ashish is a Chartered Accountant (CA) and holds the CFP and CTEP certifications. He started SLA Finserv in 2004 and still sets where the firm is going. You will often see him on our videos, explaining one money idea at a time, calmly and without the noise.

Read more
CNBCBest Financial Advisor (North India), FY 2013-14
Wealth ForumRecognised for FY 2010-11 and FY 2013-14
Shweta Maheshwari
COO and Co-Founder

Shweta Maheshwari

COO and Co-Founder

Shweta holds a Master's in Computer Applications and runs SLA day to day. Every process, every client communication, and every person on the desk sits under her watch. If something reaches you from SLA, she has made sure it is right first.

Read more
Saurabh Prajapat
Partner

Saurabh Prajapat

Partner

Saurabh was a B.Com. student working as a courier distributor when a delivery brought him to SLA. Ashish Modani saw his drive and offered him a job. He joined in 2004, when just two people ran the whole business, and has grown with SLA ever since.

Read more
How we think

Three ideas behind every plan.

01

Philosophy

We do not give tips, we do not predict markets, and we will never promise you a return.

02

Approach

We called it “About You, With You”. It means your goals come first, and we stay with you long after the first SIP goes in. Twenty-two years later, that rule still decides how we work.

03

Mission

To help people understand their money well enough to make confident decisions, and to stand next to them while they do.

How we stay in touch

About You, With You is not a tagline if nobody sees it.

So this is what it looks like after you invest with us.

1

A short video every fortnight

On the 1st and 16th of every month, we send clients a short Hinglish video that answers a question someone actually asked us. It never asks you to invest. It asks you to ask.

2

Sandesh, every month

Our client newsletter, written in plain language, on the money things school never taught us.

3

The SLA Family

Our clients are not a list. We are building ways for them to meet each other, and us, outside the office.

Get to know us

Meet the people who answer.

You have probably never spoken to the person who processes your redemption request, catches a folio mismatch before it becomes your problem, or spots a failed SIP before you do. They are here every working day. Here are a few of them.

Manisha Kriplani

Manisha Kriplani

Operations Head, leading Training and Development · with SLA since February 2024

Manisha moved from Gurgaon to Jaipur in 2024 and joined our client relationship desk with no background in finance. In under three years, she has grown to lead operations, training and development at SLA, including building AI-powered automations for the team.

“One badly handled conversation can break someone’s trust. The goal isn’t just to close a query. It’s to make sure they still trust us at the end of it.”

Read more
Sunishchita Sharma

Sunishchita Sharma

Marketing Head

Sunishchita hasn’t been with SLA long. She came from years as Admin Head at a school, with no corporate experience behind her. She chose the stage over staying behind the scenes, and now speaks to students, teachers and working women about managing their own money. Today, she is SLA’s Marketing Head.

“Your circumstances may decide where you start, but your effort decides where you reach.”

Read more
Lakhan Jangid

Lakhan Jangid

Senior Relationship Manager · with SLA since April 2010

Lakhan worked in a clothing store and a bookstore while he studied, then joined SLA’s back office in 2010. Ashish Modani saw how well he spoke with people and moved him to a client-facing role. He has since run branch operations, handled Kota on his own and earned his CFP.

“Success comes from consistency, not shortcuts.”

Read more
Ashish Sharma

Ashish Sharma

Senior Relationship Manager and Head, Kota Division

Ashish spent more than a decade with mutual fund companies, then tried something new in FMCG. A conversation with Ashish Modani brought him back to the work he started in. Today he leads SLA’s Kota Division, focused on relationships that outlast any single transaction.

True wealth is not just about the assets we help create, but the trust we earn and the lives we positively impact.

Read more
Manish Kumawat

Manish Kumawat

Senior Relationship Manager · with SLA for over 13 years

Manish joined SLA straight out of college, without a roadmap but with plenty of ambition. His first job became a thirteen-year journey. Known for asking more questions than anyone, he turned that curiosity into his biggest strength.

“If you always keep a backup plan, you’ll never give your best to the path you’ve chosen.”

Read more
Abhishek Shukla

Abhishek Shukla

Senior Relationship Manager · with SLA since 2020

Abhishek left a successful banking career because he wanted to put clients’ long-term interests ahead of product targets. He ran his own practice from 2015, and joined SLA in 2020 to serve clients with stronger systems, better technology and a bigger team behind him.

Long-term wealth is built the way good health is: through discipline, consistency and patience. There are no shortcuts.

Read more
Abhishek Bhargava

Abhishek Bhargava

Team Lead, Junior Relationship Managers (JRM) · with SLA since 2023

After more than a decade in life insurance and eleven years running his own businesses, Abhishek joined SLA and built the Jaipur JRM team from zero. He leads with discipline, not fear, and believes good habits outlast any pressure.

“Discipline can’t be built through fear. You can make someone work once under pressure. Habits, mindset and responsibility are what last.”

Read more
Mansi Kumawat

Mansi Kumawat

ARM, Client Servicing · with SLA since 29 June 2021

Mansi joined SLA during COVID as an SRM while still doing her Master’s. A book a day, a mentor who believed in her and plenty of ground work for FinChamps later, she chose client servicing, became an ARM and was named Team Member of the Year 2022.

“If you work with your heart and give your 100%, no one has to remind you of your responsibilities.”

Read more
Chahat Adlakha

Chahat Adlakha

Senior ARM, working with Ashish Modani · with SLA since 11 July 2021

Chahat found SLA on LinkedIn, messaged Ashish Modani directly and joined at 21, fresh from college in Mumbai. Five years on, she is a Senior ARM who looks after outstation clients, oversees her team’s work and has helped the team grow from two people to six.

“Client first means doing what is right for the client and being transparent, even when it isn’t the easiest option. That’s exactly when it matters most.”

Read more
The people who answer

In their own words.

Client servicing

“If I am not at my desk, a redemption request just sits there.”

Back office

“If I am not here, nobody catches a folio mismatch before it reaches you.”

MIS and reporting

“If I am not here, nobody knows which SIP failed this month.”

Relationship desk

“When the market is red, there is one call that always comes in. I listen first.”

We are the part of SLA Finserv you never have to think about. That is the job.

Trust & Regulatory Information

AMFI-Registered Mutual Fund Distributor

SLA Finserv Pvt. Ltd. is an AMFI-Registered Mutual Fund Distributor (ARN-110989). Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

ARN-110989

Got a money question you are embarrassed to ask?

Good. Those are the ones we like best. No pitch, no pressure. Just an honest answer.

Discover how wo-money-ia empowers.

No matter where you’re headed, we’re with you. Whether you’re chasing dreams, building a career, caring for loved ones, or starting fresh, financial empowerment is the key to unlocking your next big step. At wo-money-ia, we’re here to help you Own Your Journey, Your Way.

20Years of experience
600Confidently managing
1,400Total women clients
The reality

Let’s take a moment to reflect on this reality…

80%

of women struggling to understand finances and many lacking access to banking services

Source: Humanity Welfare Council
34%

of women leave their jobs due to work-life balance.

Source: Women in India Inc HR Managers
82%

Men in India earn 82% of the labour income while women earn only 18%

Source: World Inequality Report 2022

The reality may be stark, but the future is unwritten. Let’s change the narrative together.

The survey shows we still have a long way to go in empowering women to take charge of their financial futures. But every small step we take towards financial literacy, empowerment, and equality brings us closer to a world where women aren’t just part of the conversation — they are leading it.

Ready to lead your financial journey? Join us and start today.Start today
Why wo-money-ia exists

Five problems we help women solve.

wo-money-ia exists to empower women to take charge of their finances by helping them learn, invest, and grow their money wisely. We address five critical problem areas to enable women to gain financial independence and build a secure future.

Why wo-money-ia exists

Lack of Knowledge

Many women find banking, personal finance, taxes, and investments overwhelming, leaving them unsure about managing their money. Tasks like booking a flight, making payments, or navigating online platforms often feel intimidating, fuelled by a fear of fraud and making mistakes.

How wo-money-ia helps

wo-money-ia supports you in reclaiming your identity through financial empowerment.

Why wo-money-ia exists

Lack of Future Financial Planning

Women often prioritise immediate needs, neglecting crucial long-term financial planning. Milestones like education, marriage, children’s education, retirement, and emergencies often go unplanned, leading to stress and uncertainty later in life. This lack of foresight can impact financial stability and independence.

How wo-money-ia helps

wo-money-ia helps you plan for every stage of life, ensuring a secure and stress-free future.

Why wo-money-ia exists

Conditioning and Social Norms

Society’s deep-rooted conditioning often defines financial responsibilities as gender-specific, teaching women that managing money is not their role. This cultural belief fosters dependency, limiting their ability to build financial independence and eroding confidence in making critical financial decisions.

How wo-money-ia helps

wo-money-ia helps you challenge these ingrained norms, empowering you to take control of your finances and shape your own future.

The reality we often ignore

Financial Dependency

Many women rely on their spouses or fathers for financial decisions, which can limit their independence and control. This dependence can hinder their ability to make informed choices, leaving them vulnerable in unexpected situations.

How wo-money-ia helps

wo-money-ia gives you the tools and knowledge to take full control of your finances, building a secure and independent future.

The reality we often ignore

Identity

Financial independence is a cornerstone of personal identity. It’s more than just money; it’s about your sense of worth, your passions, and your power to design your future.

How wo-money-ia helps

wo-money-ia supports you in reclaiming your identity through financial empowerment.

With wo-money-ia, you gain the tools, support, and confidence to take charge of your finances and transform your life. Together, we’re breaking barriers and building futures.

Life changes everything

Whatever life brings, be ready.

Over 20 years at SLA, we’ve seen how life’s uncertainties — like unexpected changes or challenges — can deeply impact women’s financial security. Our goal is to empower women with the knowledge and tools they need to take charge of their finances, stay prepared, and build a confident, independent future.

Marriage

We help women take charge of their finances and stay prepared, with the knowledge and tools to build a confident, independent future.

Ask us about this
What wo-money-ia brings to you

Our approach: the 3 C’s.

We make financial empowerment accessible and achievable. We understand that your financial journey is unique, which is why we provide a 3 C’s approach to meet your needs.

Coaching

Get one-on-one guidance tailored to your goals. Our expert coaches are here to help you navigate your financial challenges with confidence.

Think of us as your personal financial partner.

Courses

Learn at your own pace with easy-to-follow lessons. From budgeting to investing, we make complex topics simple and actionable.

No jargon, no pressure — just practical tools for real-world success.

Community

Join a network of like-minded women who uplift and inspire each other. Share experiences, gain insights, and celebrate successes together.

Because no woman should feel alone on her financial journey.

Explore our offerings

Vision

To create a world where every woman is financially literate, confident, and empowered, with equal access to banking services, leading to stronger, more independent.

Mission

To empower 1 lakh women to take charge of their money by bridging the financial literacy gap.

What women say

In their own words.

Watch what women are saying about wo-money-ia.

Dr. Poonam Shrivas, video testimonial 0:29
Story 1 of 6

“Learn to invest what you earn, this will help you understand the difference between need and want.”

Dr. Poonam ShrivasPhysiotherapist

Join the movement

Are you ready to rewrite your financial story?

Because your future deserves the best version of you.

  • Self-paced learning
  • Free 1:1 coaching
  • Community support
  • Lifetime access of resources
  • Corporate trainings

The best time to start learning about money is now.

Financial literacy for school students, starting with the money already in their pocket.

1,250+Students reached
5Schools
JaipurWhere we teach
About FinChamps

Money management should be learnt young.

It should be part of every school’s curriculum. Until it is, FinChamps brings it into the classroom.

In one session, students learn to save smartly from their pocket money, spend wisely on needs versus wants, and start thinking like future investors. Real-life money stories make it relatable, and plenty of questions make it fun.

What students learn

Five ideas that last a lifetime.

Budgeting: knowing where your money goes
Needs versus wants
Saving from pocket money for something big
Compounding: making money work for you
Investing in your future, and in yourself
Sessions so far

Classrooms across Jaipur.

Jayshree Periwal High SchoolChildren’s Day · Led by Ashish Modani
700 students
Ryan International School, Padmawati, Nirman NagarLed by Ashish Modani
250+ students
St. Edmund’s School, Malviya NagarTwo-day programme · Led by the SLA team
150+ students
Podar World SchoolClasses 9 to 12 · Led by Shweta Maheshwari
150+ students
Subodh Public School, Airport, JaipurLed by Ashish Modani
Students

“When knowledge meets action, financial empowerment begins.”

For schools and parents

Everyone is welcome in the room.

Teachers and parents are welcome, and they often make the discussion richer. Sessions can run as a single session or as a two-day programme.

Invite FinChamps to your school

SLA Finserv Pvt. Ltd. · AMFI-Registered Mutual Fund Distributor · ARN-110989. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Let's talk about your financial goals.

Share a few details and we'll get back to you to set up a conversation.

Free consultation

Book a free consultation

Tell us a little about yourself and what you're planning for. We'll get back to you to set up a conversation.

What are you planning for?

We respond Mon – Sat, 9:30 AM – 6:30 PM.

Your investment summary.

A quick snapshot of where things stand, as last updated by your advisor.

शुभ धनतेरस · A Dhanteras companion

The Two Rituals

सोना और शेयर, दोनों की सच्ची कहानी.

You already trust gold enough to buy it every year without asking questions. Gold and the Sensex do different jobs: in this record, gold steadied the ride and the Sensex grew the most. Here are both, side by side, in your own hands.

  • All figures run Dhanteras to Dhanteras, 1986–2026: 40 one-year windows, computed the same way for both assets.
  • Gold prices before 2010 and Sensex levels before 2015 are annual reference prices, not exact festival-day prints. Treat the shape of the pattern as solid; treat any single old figure as directional, not exact to the rupee.
  • The 2026 figure for both assets is this year’s price as of mid-October, standing in for Dhanteras 2026 (6 Nov), which has not happened yet.
  • The game is a simplified illustration: each Dhanteras your money is re-split between gold and the Sensex at no cost, and then moves by the real one-year change of each. Quick mode uses 12 chosen years; Full mode uses all 40. It is not a recommended split.
  • The Time Machine puts the same amount in on every Dhanteras from the year you pick up to 2025, and lets it move by the real one-year change of gold or the Sensex. The half-and-half mix is re-balanced every year at no cost. It is one amount a year, not a monthly SIP, and it ignores charges, GST and tax.
  • The Myth or fact cards are answered from the same prices. “Rose” and “fell” mean the one-year change from one Dhanteras to the next was above or below zero.
०१ · Hold longer, watch it settle

What a year of luck does to the range

Move the slider. At one year, both assets look unpredictable. Watch what the same 40 years look like once you give them more time.

1 yr
Gold · सोना
Sensex · शेयर बाज़ार
०२ · Not a forecast, a fact

What would this have grown to?

Pick a starting Dhanteras, a holding period, and an amount. This shows what actually happened to real prices, never what might happen next.

Asset
Amount
Historical outcome · not a forecast
०३ · Your own time machine

What if you had started on your first Dhanteras?

Pick the year you started earning and what you would have set aside each Dhanteras. Then watch the years roll forward and see what gold, the Sensex and a half-and-half mix would have become. Real past prices, never a forecast.

Each Dhanteras I put aside
०४ · Myth or fact?

Six things people say about gold and shares

Call each card, Myth or Fact, then flip it to see what 40 real Dhanterases say. Keep your own score.

०५ · Why both earn a place

Fill both jars

Gold steadies you; the Sensex grows you. Every Dhanteras, decide how to split your money between the two. Play through the real years and see what each one does for you, and what a mix does for both.

Play with your own money · start with
One lump sum at the start, re-split between gold and the Sensex every Dhanteras. Past prices, not a forecast.
शुभ लाभ

Want to talk about your own Dhanteras plan?

Gold and equity can both have a place. A short conversation can show what fits your goals, with no pitch and no pressure.

Mutual fund investments are subject to market risk. Please read all scheme-related documents carefully before investing.

Past performance of any asset class, including gold and equity indices, is not indicative of future returns. Every figure on this page is historical fact, not a projection.

This page is for investor education and general awareness. It is not personalised investment advice and does not recommend any allocation between gold and equity. Please consult your financial advisor before making investment decisions.

Figures are point-to-point growth on a lump sum, not SIP or XIRR returns, and exclude making charges, GST, storage, brokerage, exit load or taxation.

SLA Finserv Pvt. Ltd. · AMFI-Registered Mutual Fund Distributor · ARN-110989.

Meet the team

Real people with real stories: the founders, the senior management and the people who look after your questions every day.

Founders and partner

Senior management

Ashish Modani

Ashish Modani

Founder and CEO

  • Founded SLA2004
  • QualificationsCA, CFP, CTEP
  • CNBCBest Financial Advisor (North India), FY 2013-14
  • Wealth ForumRecognised for FY 2010-11 and FY 2013-14

Ashish is a Chartered Accountant (CA) and holds the CFP and CTEP certifications. He started SLA Finserv in 2004 and still sets where the firm is going. You will often see him on our videos, explaining one money idea at a time, calmly and without the noise.

His story

Most people see the success. Very few see the scooter rides for a ₹500 cheque. The empty office. The uncertainty. The pressure to survive just one more month.

Before SLA Finserv Pvt. Ltd. became one of India’s largest SIP distributors, it was just a dream built on courage, patience and relentless belief. Back in 2002, Ashish Modani had cleared his CA examination and dreamt of building a career in a metro city like Delhi. Jaipur was never part of the plan.

But life had other plans.

After working for around a year and a half, unavoidable circumstances brought him back to Jaipur. At that time, his salary was ₹18,000, and there wasn’t much capital or certainty about the future.

What there was, however, was a simple belief from his father:

“We have to do something big.”

And that belief became the foundation of SLA in 2004.

Ironically, when Ashish Sir entered the industry, he himself didn’t fully understand mutual funds. At a time when Jaipur largely believed in “J for Jameen (Property) and Jewellery”, meaning real estate and gold, talking about SIPs and capital markets felt almost impossible.

What stood out was the power of starting small. At a time when opportunities felt uncertain and resources were limited, he realised that wealth creation did not require a large amount of money. Even a SIP of just ₹500 could be the beginning of a long-term financial journey. That simple insight gave him the confidence to start.

So began the journey of educating investors. One conversation at a time. One client at a time. One SIP at a time.

The first investor? A landlord. ₹1,000 SIP. Today SIPs are common. Back then, most people had never even heard of them.

There were days when he would travel kilometres on a scooter just to collect a ₹500 or ₹1,000 cheque. He would clean the office himself in the morning, wait endlessly for a single appointment, travel across the city for one client meeting, and repeat the same routine for months. That was life.

The daily target was simple:

“Bas kisi tarah ₹1,000 ki SIP mil jaaye.”

Then came a turning point. In June 2004, a learned client handed over a ₹30,000 SIP cheque. That single cheque completed the entire monthly target in one day. But more importantly, it changed his mindset forever.

Ashish Sir realised:

“If someone this intelligent understood the power of monthly investments through SIP, surely there is something truly powerful in this concept.”

That client still remains with SLA even today.

“I would rather ask you ten questions than sell you one fund.”Ashish Modani
Shweta Maheshwari

Shweta Maheshwari

COO and Co-Founder

  • With SLA since2006
  • QualificationMaster’s in Computer Applications

Shweta holds a Master's in Computer Applications and runs SLA day to day. Every process, every client communication, and every person on the desk sits under her watch. If something reaches you from SLA, she has made sure it is right first.

Her story

In 2006, Shweta Maheshwari officially became part of both Ashish Sir’s life and SLA’s journey. She came from a science background and openly says: “Mujhe finance ka F bhi nahi aata tha.”

From not knowing basic finance concepts to becoming the backbone of SLA, her journey is a story of humility, learning and hard work. She sat with backend employees to learn the basics. She learned patiently, step by step, and grew gradually through effort, not designation.

Today, Ashish Sir proudly says: “SLA ka S, Shweta ke liye hai.” While Ashish Sir brings ideas and vision, Shweta Ma’am transforms them into action and execution. Together, they built not just a company, but a culture.

The journey, however, was far from easy. Ashish Sir came from a lower middle-class family. He lost his father in 2006. There were financial struggles, responsibilities and uncertainty. But through everything, they held on to one mantra: “Lage raho. Lage rehte ho toh ho jaata hai.”

In the early years, the goal wasn’t luxury. It was survival. They valued savings deeply in their own life. In fact, their first international trip happened six years after marriage.

Today, even after building a 50+ member team, their philosophy remains unchanged:

  • Client comes first.
  • Do what is right, not what is popular.
  • Build people before business.
  • Look for intent, not just qualifications.

At SLA, employees are not called employees. They are called a team. A family. They believe mistakes are acceptable. Micromanagement is not. They believe emotional safety matters just as much as performance.

And perhaps that’s what truly built SLA. Not luck. Not shortcuts. Not overnight success. But consistency, values and trust, and years of showing up, even when nobody was watching.

Because as Ashish Sir says: “Satya pareshaan ho sakta hai, parajit nahi.”

Some stories are not just about building businesses. They are about building belief.

“Every process here exists so that nothing about your money is left to chance or memory.”Shweta Maheshwari
Saurabh Prajapat

Saurabh Prajapat

Partner

  • With SLA since16 October 2004
  • Based inJaipur
  • QualificationsB.Com., CFP QPFP, pursuing CTEP

Saurabh was a B.Com. student working as a courier distributor when a delivery brought him to SLA. Ashish Modani saw his drive and offered him a job. He joined in 2004, when just two people ran the whole business, and has grown with SLA ever since.

His story

Saurabh was studying for his B.Com. and working as a courier distributor to pay for his education. His dream was to become a Chartered Accountant.

One day, a delivery brought him to SLA. Ashish Modani noticed something beyond the delivery bag: a young man with confidence and a real hunger to grow. After hearing his story, Ashish offered him a job. Saurabh joined on 16 October 2004.

The early days were hard. He attended CA classes from 5 AM to 9 AM, then worked the rest of the day. Only two people ran the entire business back then, so he did everything: meeting clients, handling operations, entering data and looking after the office.

In time, balancing work and CA studies took a toll. After many conversations with Ashish, he made one of the toughest calls of his life. He stepped away from CA and put everything into his career at SLA.

That choice shaped everything that followed. He never stopped learning, either. He has since cleared his CFP QPFP certification and is now pursuing CTEP.

The lessons from those early years still guide him: no work is small, growth starts when you are willing to learn, and hard work and discipline create their own opportunities.

“Success is not decided by your background or circumstances. It is shaped by intent, consistency and the effort you put in every single day.”Saurabh Prajapat
Manisha Kriplani

Manisha Kriplani

Operations Head, leading Training and Development

  • With SLA sinceFebruary 2024
  • Based inJaipur

Manisha moved from Gurgaon to Jaipur in 2024 and joined our client relationship desk with no background in finance. In under three years, she has grown to lead operations, training and development at SLA, including building AI-powered automations for the team.

Her story

Manisha spent four years at a company in Gurgaon before deciding to start again. In February 2024, she moved to Jaipur with her husband and joined SLA. It was a new city, a new industry and a new culture, all at once.

She began on the client relationship desk, where everything was unfamiliar: the terms, the processes and the tough client questions. She learned quickly. More importantly, she learned to stay calm under pressure and to listen before she acts.

That calm is now how she works with every client. For Manisha, a query is never just a ticket to close. It is a conversation that either builds trust or breaks it, and she treats it that way.

In under three years, she has grown from handling client relationships to leading operations, training and development. On the development side, she is building AI-powered automations for SLA. She has no technical background, only the conviction that she can learn anything she sets her mind to.

Asked what she would tell her younger self, she said: “Trust yourself, be patient with your journey, and never stop learning. The challenges you face today are preparing you for opportunities you cannot yet imagine.”

“One badly handled conversation can break someone’s trust. The goal isn’t just to close a query. It’s to make sure they still trust us at the end of it.”Manisha Kriplani
Sunishchita Sharma

Sunishchita Sharma

Marketing Head

  • Based inJaipur
  • QualificationsB.Com., LLB

Sunishchita hasn’t been with SLA long. She came from years as Admin Head at a school, with no corporate experience behind her. She chose the stage over staying behind the scenes, and now speaks to students, teachers and working women about managing their own money. Today, she is SLA’s Marketing Head.

Her story

Sunishchita was a Kolkata girl until Class 5, when family circumstances moved her to Bikaner. Swapping a metro childhood for a small town took time to get used to.

She grew up wanting to be a judge. After her B.Com. and LLB, she prepared for the Rajasthan Judicial Services on her own, with no coaching. She was also paying for her own studies and putting her younger sister through college in a big city. Her sister’s success came first, so she set the dream aside and took a job.

Years later, after marriage and two daughters, she moved to Jaipur so her girls could grow up with both parents under one roof. She joined SLA not long ago, after years as Admin Head at a school. She had never worked in a corporate office or used a laptop properly, and she was honest enough to say so.

One day, she nearly walked away. Shweta Ma’am called her that same day: “You can do this, and you can do it well.” She stayed, and when nerves creep in, she still hears those words.

Her biggest fear was a microphone. After talking it through with her husband and her sister, the two people she calls her best friends, she chose the stage. Today she speaks to students, teachers and working women about their money, and people have started recognising her from those sessions.

It matters to her because many women earn their own money but have never managed it. She wants them to feel truly in charge of it, and she wants her two daughters to grow up knowing what that looks like. Somewhere along the way, she also became SLA’s Marketing Head.

“Your circumstances may decide where you start, but your effort decides where you reach.”Sunishchita Sharma
Lakhan Jangid

Lakhan Jangid

Senior Relationship Manager

  • With SLA sinceApril 2010
  • Based inJaipur
  • QualificationCFP

Lakhan worked in a clothing store and a bookstore while he studied, then joined SLA’s back office in 2010. Ashish Modani saw how well he spoke with people and moved him to a client-facing role. He has since run branch operations, handled Kota on his own and earned his CFP.

His story

Lakhan’s working life started long before finance. While he studied, he worked at a clothing store and then at a bookstore, set on building a better future for himself. He saw how SLA was growing and went looking for a chance to be part of it.

That chance came in April 2010, when he joined as a Back Office Assistant. Resources were limited and the work was endless. He helped run critical operations and supported every team that needed him.

Ashish Modani noticed how well he communicated and moved him into a client-facing role. Over the years, Lakhan travelled widely, worked long hours, managed branch operations and built strong relationships with clients.

One moment stands out. He was trusted to handle SLA’s work in Kota on his own, and it changed how he saw himself. It taught him that growth comes from saying yes to the challenge in front of you.

He has never stopped learning, and has recently added the CFP certification to his name.

From a starting salary of ₹3,700 to more than sixteen years at SLA, his story is proof that steady effort, repeated every day, adds up. The principles he works by are simple: commitment over convenience, consistency over shortcuts, learning over complacency, and responsibility over excuses.

“Success comes from consistency, not shortcuts.”Lakhan Jangid
Ashish Sharma

Ashish Sharma

Senior Relationship Manager and Head, Kota Division

  • Based inKota

Ashish spent more than a decade with mutual fund companies, then tried something new in FMCG. A conversation with Ashish Modani brought him back to the work he started in. Today he leads SLA’s Kota Division, focused on relationships that outlast any single transaction.

His story

Nearly two decades ago, Ashish started out in financial services with a simple goal: build a meaningful career. Early on, he measured success in numbers, sales targets and achievements. Over time, he realised that real success comes from trust, relationships and the difference you make in people’s lives.

He spent more than ten years at mutual fund companies, learning how money is managed, how client relationships are built and what long-term planning really means.

Then he challenged himself with something completely different. He joined Capital Foods, the company behind Ching’s, in the FMCG industry. The new world taught him adaptability, leadership and how consumers actually think.

A conversation with Ashish Modani brought him back. They talked about how the industry was changing and why India needs people in finance who focus on people, not just products. It reminded him why he had entered this field in the first place.

At SLA, that belief only grew stronger. He sees every investment as someone’s dream, a family goal or a responsibility. Two lessons from his mentor, Saurabh Prajapat, guide him every day: “Before you judge a man, walk a mile in his shoes,” and “6 mahine ka nahi, 6 saal baad ka socho.”

Today, as a Senior Relationship Manager and Head of the Kota Division, he is focused on building relationships that go beyond transactions and trust that lasts across generations.

True wealth is not just about the assets we help create, but the trust we earn and the lives we positively impact.Ashish Sharma
Manish Kumawat

Manish Kumawat

Senior Relationship Manager

  • With SLA forOver 13 years
  • Based inJaipur

Manish joined SLA straight out of college, without a roadmap but with plenty of ambition. His first job became a thirteen-year journey. Known for asking more questions than anyone, he turned that curiosity into his biggest strength.

His story

Most careers begin with a job title. Manish’s began with a single thought: “Mujhe kaam karna hai.”

The day after his graduation results came out, he arrived at SLA. He did not know what role he wanted, how much he wanted to earn or what the future would look like. What he did have was ambition. As a student, he often wondered how successful business people built their lives, and he wanted that kind of future for himself.

So he started. His very first job turned into thirteen years of learning alongside SLA.

He became known for asking questions. Lots of them. So many that even his mentors joked about where he found them all. That curiosity became one of his greatest strengths.

Along the way, one lesson stuck with him: if you always keep a backup plan, you never give your best to the path you have chosen.

Years of meeting clients and taking on challenges changed more than his career. They changed his outlook and his confidence. When he looks back on the last decade, he sees not just professional growth but a different person.

“If you always keep a backup plan, you’ll never give your best to the path you’ve chosen.”Manish Kumawat
Abhishek Shukla

Abhishek Shukla

Senior Relationship Manager

  • With SLA since2020
  • Based inJaipur

Abhishek left a successful banking career because he wanted to put clients’ long-term interests ahead of product targets. He ran his own practice from 2015, and joined SLA in 2020 to serve clients with stronger systems, better technology and a bigger team behind him.

His story

Abhishek spent seven years in banking. The role was going well, but something did not sit right with him. He felt clients deserved guidance built around their long-term interests, not around product targets. So in 2015, he started his own practice, built on relationships and trust.

Long before he joined SLA, he knew Ashish Modani from industry conferences, distributor meets and knowledge sessions. Over time, Ashish became the person he turned to for big career decisions. What stayed with Abhishek most was how simply Ashish explained money to clients, without jargon. It shaped the way Abhishek works with clients to this day.

The two found they shared the same belief: working with clients should never be about selling products, but about helping people make informed decisions.

When Abhishek joined SLA in 2020, it was not about giving up his independence. Serving clients well was starting to need stronger systems, better technology and more hands. Joining SLA gave him all three, without changing the principles he had always worked by.

He also sees a close link between health and wealth. Both come from discipline, consistency and patience, and neither has shortcuts.

Today he believes the best conversations about money happen through relatable stories and simple explanations. For him, success shows up in a client’s peace of mind and confidence, not just in the numbers.

Long-term wealth is built the way good health is: through discipline, consistency and patience. There are no shortcuts.Abhishek Shukla
Abhishek Bhargava

Abhishek Bhargava

Team Lead, Junior Relationship Managers (JRM)

  • With SLA since2023
  • Based inJaipur
  • QualificationMBA

After more than a decade in life insurance and eleven years running his own businesses, Abhishek joined SLA and built the Jaipur JRM team from zero. He leads with discipline, not fear, and believes good habits outlast any pressure.

His story

Abhishek’s career has never followed a straight line, and that is a big part of why his team trusts him.

He started in 2004 as a sales junior, fresh from an MBA in Pune. Two years later he came home to Jaipur and spent more than a decade in life insurance, learning how people think about money, risk and trust.

Next came Zee Learn, where he oversaw schools across Rajasthan. A few months in, he knew he wanted to build something of his own. He took a Spell Bee International franchise, struggled through the first two years and then found his feet. He spent eleven years as an entrepreneur.

Then COVID shut the schools. “One will always study later,” he says. “But one has to eat first.” He moved into e-commerce and launched Uncrazy, which did well for over two years until life threw some hard curveballs.

Going back to a job after twelve years felt uncertain. But he had discipline on his side, so he gave himself three to six months to try. Three years later, he is still here and still learning.

At SLA, he built the Jaipur JRM team from scratch. The target his team began with is now one a single RM can hit twice over. He believes targets help people grow, but new joiners first need to understand the process. No one on his team is made to work weekends, yet when it really counts, they step up on their own.

After twenty-two years of work, two lessons stay with him: time matters, yours and everyone else’s, and learning never stops. Next, he wants to take what worked in Jaipur to the rest of Rajasthan and beyond.

“Discipline can’t be built through fear. You can make someone work once under pressure. Habits, mindset and responsibility are what last.”Abhishek Bhargava
Mansi Kumawat

Mansi Kumawat

ARM, Client Servicing

  • With SLA since29 June 2021
  • Based inJaipur
  • QualificationNISM certified

Mansi joined SLA during COVID as an SRM while still doing her Master’s. A book a day, a mentor who believed in her and plenty of ground work for FinChamps later, she chose client servicing, became an ARM and was named Team Member of the Year 2022.

Her story

Mansi grew up in Jaipur and knew early on that her family was counting on her. A teacher at her ITI college taught her how to face interviews and how to talk to people, and gave her the belief that she could make something of her life.

During COVID, while doing her Master’s, she found SLA’s job opening on Indeed. She joined as an SRM in June 2021, nervous and new to the industry. Because we handle people’s money, her biggest fear was making even one transaction mistake.

Her mentor, Saurabh Prajapat, gave her a simple habit: read a book every day. She did. A few months later, he asked her to run a session for the whole team, and the founders loved it.

She went on to take charge of FinChamps, SLA’s programme for schools. She set up sessions and visited schools to talk to parents and children about money. When she was offered a role focused only on FinChamps, she chose client servicing instead, because that is where her heart was.

There were hard phases too. She spoke openly, worked on solutions and kept going, holding on to two words from Saurabh: “Lage Raho.”

Today she is an ARM, NISM certified and leads a team of three, after once doing every task on her own. Next, she wants to use AI to make our client service even better.

Her one line to her younger self: “Learn together and grow together.”

“If you work with your heart and give your 100%, no one has to remind you of your responsibilities.”Mansi Kumawat
Chahat Adlakha

Chahat Adlakha

Senior ARM, working with Ashish Modani

  • With SLA since11 July 2021
  • Based inKota
  • QualificationsBMS (Finance), CFP, Advanced Excel, Power BI

Chahat found SLA on LinkedIn, messaged Ashish Modani directly and joined at 21, fresh from college in Mumbai. Five years on, she is a Senior ARM who looks after outstation clients, oversees her team’s work and has helped the team grow from two people to six.

Her story

In Class 10, when her classmates said doctor or engineer, Chahat said she wanted to be a businesswoman. That drive has stayed with her.

She grew up in Kota, watching her father, a man who never liked sitting idle. She was set on becoming a lawyer, then changed course after Class 12 and moved to Mumbai, where she completed her BMS in Finance and later her CFP. She chose to start her career closer to home, near her family.

She found SLA on LinkedIn and reached out to Ashish Modani directly. The interview took place at a Burger King, where he told her he was “ruthless” about work. Five years on, she says he simply expects high standards.

She joined on 11 July 2021, at 21, more excited than nervous. Her first year was spent in client meetings, learning how to speak with clients and how much a single word can change a message. Because the team was small, she also helped with social media ideas, shoots, events and CRM work.

Today she is a Senior ARM. She looks after outstation clients, oversees her team’s work and has added Advanced Excel and Power BI to her skills. She is now exploring how AI can make our work simpler.

The lessons she passes on to her team are simple: be proactive with clients, be consistent with follow-ups, and work as a team.

Her advice to her younger self: “You don’t need to have everything figured out today. Just keep learning, keep growing and keep moving forward.”

“Client first means doing what is right for the client and being transparent, even when it isn’t the easiest option. That’s exactly when it matters most.”Chahat Adlakha

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