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Backed by NJ Wealth Platform

Simplifying Investments with a Structured & Transparent Approach

Access Mutual Funds, Insurance, Fixed Income Products, NPS and more through a seamless paperless platform. Build, track and manage your financial portfolio with ease.

Technology powered by NJ Wealth  |  Secure & SEBI Compliant

50+
Happy Investors
3+
Years in Service
Est.
Since 2021
NJ
Wealth Partner
What are your Financial Goals?
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Own a Home
🎓
Child's Education
💍
Marriage
🌙
Retirement
🚗
Buy Vehicle
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Wealth Growth
Start Your Investment Journey
Paperless • Secure • Technology-Enabled
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Disclaimer: We are Mutual Fund Distributors (MFD) and facilitate transactions in financial products. We do not provide investment advisory services. All investments are subject to market risks. Investors are requested to read all scheme-related documents carefully before investing.

D
D. M. Thakkar
Founder & Proprietor MBA (Finance) ARN-244429
"Investing should be simple to understand, easy to execute, and transparent in structure — accessible to every Indian family."
"દરેક ભારતીય પરિવાર માટે રોકાણ સુલભ, સમજવામાં તથા અમલમાં મૂકવા માટે સરળ અને પારદર્શક હોવું જોઈએ.
✓ AMFI Registered ✓ NJ Wealth Partner ✓ Est. 2021
Vavol, Gandhinagar Gujarat, India

Who We Are & What We Do

We are registered Mutual Fund Distributors engaged in facilitating investments across a wide range of financial products. Founded in 2021 by D. M. Thakkar (MBA – Finance), Shyama Financial Services operates from Vavol, Gandhinagar, Gujarat.

Our role is to simplify the investment experience by combining product access, cutting-edge technology, and operational ease. We leverage the robust infrastructure of NJ Wealth — one of India's largest wealth platforms — to ensure secure, efficient and technology-enabled service delivery.

We are especially committed to investor education and awareness, conducting bilingual (English-Gujarati-Hindi) workshops and webinars in association with NJ Wealth, with a special focus on women investors and youth.

🎯
Goal-Focused
Every investor's plan is built around their unique life goals
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Transparent
Clear processes, full disclosures, no hidden surprises
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Technology-Driven
Powered by NJ Wealth for secure, real-time portfolio tracking
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Education-Led
We empower investors to make confident, informed decisions
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Technology Partner: NJ Wealth Secure transactions • Real-time portfolio • Consolidated reporting • Paperless onboarding

Complete Product Basket

We facilitate access to a wide spectrum of financial products through a single, consolidated platform — so you don't need to approach multiple intermediaries.

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Mutual Fund Distribution

SIP and Lumpsum investments across equity, debt, hybrid and ELSS schemes from leading AMCs. Fully paperless with real-time tracking on NJ Wealth.

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Insurance Solutions

Comprehensive risk protection across all categories of insurance products offered by IRDAI-registered insurers — for individuals and families.

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Fixed Deposits

Access a wide range of fixed deposit products including bank fixed deposits and corporate fixed deposits offering regular, relatively stable returns.

BANK FDCORPORATE FDSTABLE RETURNS
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Fixed Income Bonds & Debentures

Invest in listed and unlisted bonds and debentures issued by corporates and government entities — suitable for investors seeking fixed income with defined tenure.

BONDSDEBENTURESNCDsGOVT SECURITIES
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National Pension System (NPS)

Retirement-oriented long-term investment through NPS including account opening, contribution facilitation and Tier I & Tier II investments.

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Loan Assistance

Connect with lending institutions for a variety of financial needs — from home loans and business loans to loans against securities and project finance.

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⚠️ Important: We are Mutual Fund Distributors and not SEBI-registered Investment Advisors. We facilitate transactions and do not provide investment advice. All investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance may or may not be sustained in future.

Financial Calculators

Use our interactive tools to estimate your financial projections. These are illustrative tools and do not constitute investment advice or guarantee returns.

* All calculations are approximate and based on assumed constant returns. Actual returns may vary. This does not constitute investment advice.

SIP Calculator

Estimate the future value of your monthly SIP investments

₹5,000
12%
10 Yr

Estimated Results

Total Investment
₹6,00,000
Estimated Returns
₹5,73,000
Total Value
₹11,73,000
Invested
Returns
Assumptions Used
Monthly SIP: ₹5,000
Annual Return: 12%
Period: 10 Yrs
Compounding: Monthly
Returns are illustrative based on assumed constant rate. Mutual Fund investments are subject to market risks.

Lumpsum Future Value

Estimate the future value of a one-time investment with compounding

₹1,00,000
12%
10 Yr

Future Value Estimate

Amount Invested Today
₹1,00,000
Estimated Gains
₹2,10,585
Future Value (FV)
₹3,10,585
Invested
Returns
Assumptions Used
Principal: ₹1,00,000
Annual Return: 12%
Period: 10 Yrs
Compounding: Annually
Illustrative only. Returns are not guaranteed. Mutual Fund investments are subject to market risks.

Step-Up / Top-Up SIP

Calculate growth when you increase SIP amount each year (Step-Up)

₹5,000
10%
12%
10 Yr

Step-Up SIP Results

Total Amount Invested
₹9,56,250
Estimated Returns
₹11,64,000
Total Corpus
₹21,20,250
Invested
Returns
Assumptions Used
Starting SIP: ₹5,000
Step-Up/yr: 10%
Annual Return: 12%
Period: 10 Yrs
Step-Up SIP assumes annual increment. Returns are illustrative and subject to market risks.

SWP Calculator

Systematic Withdrawal Plan — estimate how long your corpus lasts with regular withdrawals

₹10,00,000
₹10,000
8%
10 Yr

SWP Estimate

Total Withdrawn
₹12,00,000
Remaining Corpus
₹12,89,453
Monthly Income
₹10,000
Withdrawn
Remaining
Assumptions Used
Corpus: ₹10,00,000
Monthly W/D: ₹10,000
Return: 8%
Period: 10 Yrs
SWP returns depend on fund performance. Corpus may deplete faster if returns are lower than assumed. Subject to market risks.

Retirement Planner

Estimate the corpus needed for a comfortable retirement

30 Yrs
60 Yrs
₹30,000
6%

Retirement Estimate

Years to Retirement
30 Yrs
Monthly Expenses at Retirement
₹1,72,305
Corpus Required (25x Annual)
₹5.17 Cr
Assumptions Used
Current Age: 30 Yrs
Retire At: 60 Yrs
Monthly Exp: ₹30,000
Inflation: 6%
Corpus = 25× inflated annual expenses (4% safe withdrawal). Illustrative — consult your distributor for a personalised plan.

Child Education Planner

Plan for your child's future education expenses

₹10,00,000
10 Yr
10%
12%

Child Education Plan

Future Education Cost
₹25,93,742
Required Monthly SIP
₹11,442/mo
Or Lumpsum Today
₹8,35,000
Assumptions Used
Current Cost: ₹10,00,000
Goal in: 10 Yrs
Ed. Inflation: 10%
Inv. Return: 12%
Education costs are growing rapidly. Starting early significantly reduces the SIP needed. Illustrative only.

EMI Calculator

Calculate your monthly loan EMI and total interest payable

₹20,00,000
9%
15 Yr

Loan Summary

Monthly EMI
₹20,285
Total Amount Paid
₹36,51,300
Total Interest Payable
₹16,51,300
Principal
Interest
Assumptions Used
Loan Amt: ₹20,00,000
Interest: 9%
Tenure: 15 Yrs
Type: Reducing Balance
Illustrative EMI calculation. Actual loan terms vary by lender. We facilitate loan connections and do not directly lend.

FD Returns Calculator

Estimate returns on your Fixed Deposit investment

₹1,00,000
7.5%
3 Yr

FD Maturity Estimate

Principal Amount
₹1,00,000
Interest Earned
₹24,950
Maturity Amount
₹1,24,950
Principal
Interest
Assumptions Used
Deposit: ₹1,00,000
Rate: 7.5%
Tenure: 3 Yrs
Compounding: Quarterly
FD rates are indicative. Actual rates vary by institution and tenure. Subject to TDS as per applicable tax laws.

Empowering Investors Through Education

We believe an informed investor makes better decisions. Our awareness programs and webinars are designed to make financial concepts simple, relatable and actionable for all audiences.

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Financial Literacy Workshop for All

Inclusive sessions open to all — covering SIP basics, budgeting, goal planning, and financial independence. Designed to be beginner-friendly for individuals, homemakers, salaried employees, and business owners.

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Youth & First-Time Investor Sessions

Teaching young investors the power of early investing, SIP discipline, compounding and simple portfolio concepts in a practical and interactive format.

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Online Webinars in Association with NJ Wealth

Regular online webinars conducted in partnership with NJ Wealth covering market updates, investment strategies, new fund offerings and financial planning topics.

Live Online
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Community & Group Awareness Programs

Group sessions for housing societies, offices, self-help groups and community organisations covering essential financial planning concepts in simple language.

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NJ Wealth Partnership

Free Investor Education Webinars

In association with NJ Wealth — one of India's largest wealth platforms — we regularly conduct free online webinars and investor awareness events open to all.

Live market and fund updates from NJ Wealth experts
Q&A sessions with financial product specialists
Conducted in English, Gujarati and Hindi
Free to attend — open to all investors
Certificates of participation issued
Register for Next Webinar →

"Invest in Knowledge. It pays the best dividends."

જ્ઞાનમાં રોકાણ કરો — ​​તે સૌથી સારું વળતર આ​​પે છે.
ज्ञान में निवेश करें — यह सबसे अच्छा लाभांश देता है।

Disclosures & Registration

Nature of Services

Shyama Financial Services is a registered Mutual Fund Distributor (MFD) and not a SEBI-registered Investment Advisor. We facilitate transactions in financial products and do not provide investment advisory or portfolio management services.

Risk Disclosure

  • Mutual Fund investments are subject to market risks
  • Past performance may or may not be sustained in future
  • Please read all scheme-related documents carefully before investing
  • All investments carry credit risk, market risk, and liquidity risk

Third Party Products

We act as facilitators/distributors for third-party financial products including mutual funds, insurance, fixed deposits, bonds and debentures, NPS, and loan products. These products are governed by respective regulatory frameworks and provider terms.

AMFI Registration Details

Shyama Financial Services — D. M. Thakkar, MBA (Finance)
ARN-244429 EUIN: E453673 Est. 2021 MFD | NJ Wealth Partner

We're Here to Help You

Reach out for a free consultation, account opening assistance, or to register for our next investor awareness program.

👤
Distributor
D. M. Thakkar
MBA (Finance) | ARN-244429
📞
Phone / WhatsApp
Available Mon–Sat, 9 AM – 7 PM
📍
Office Location
Vavol, Gandhinagar
Gujarat, India

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We'll get back to you within 24 hours. All your information is kept strictly confidential.

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