Atharva Karnik Financial Services · Since 2019 · Mumbai
Your money,
clearly understood.
I help individuals, families and NRIs understand their mutual funds and insurance, keep their records organised, and make every financial decision with a clear purpose.
The founder
Atharva Karnik
Founder · Atharva Karnik Financial Services · Since 2019
I was introduced to insurance through my father, who worked in the field. Seeing his work up close showed me how much the right cover can matter to a family, and how important it is to understand what you have bought.
I began as an LIC life insurance agent in 2019. I later set up my own financial-services practice, adding mutual fund distribution and then general insurance, so my clients can look at their investments and their protection in one place.
Atharva Karnik
Founder, Atharva Karnik Financial Services
AMFI Registered Mutual Fund Distributor · ARN-273845
NISM Series V-A certified
LIC of India agent · IC-38 Life
HDFC ERGO agent · IC-38 General
The path here
Three chapters
Animation & VFX: studied and worked in the industry
Family: introduced to insurance through my father
2019 onwards: building my own practice
The background
An unusual route into finance
Animation & VFX · Insurance · Mutual funds
My academic background is in Animation and VFX, and I worked in that industry before deciding to focus fully on building this business.
Today my aim is to help individuals and families understand their investments and insurance, keep their records organised, and make decisions with a clear purpose. I am building this especially for Indian professionals and NRIs who have financial commitments and family ties in India.
My journey
From first policy
to full practice.
Aug 2019
The beginning
Started as an LIC life insurance agent, building on what I had seen of my father’s work.
LIC of India
IC-38 Life
2023
A practice of my own
Established my financial-services practice and began mutual fund distribution, so investments and protection could be discussed together.
AMFI ARN-273845
NISM Series V-A
Apr 2026
Wider protection
Added general insurance through HDFC ERGO, covering health and other general insurance needs.
HDFC ERGO Agent
IC-38 General
Today
Focused on professionals and NRIs
Building the practice around Indian professionals and NRIs who have financial commitments and family ties in India.
India Professionals & families
NRIs Ties in India
Why I do this
Clarity first.
Products second.
Where people often start
Policies and funds bought over the years, without a clear purpose
Costs, conditions and limitations that were never fully explained
Records spread across emails, folders and apps
For NRIs: handling India paperwork from abroad
What you can expect from me
Your responsibilities and goals discussed before any product
Costs, risks and limitations explained in plain language
Investments and protection looked at together
Records kept organised and paperwork made easier
Clarity on how I am paid, and when you need a specialist
How I work
Four steps, one clear purpose.
01
Understand your situation
Your family responsibilities, goals, existing investments and insurance, and what you need help with. For NRIs, your country of residence and India-related needs too.
02
Review the information
We go through the documents and details needed, find anything missing, and agree on what I can help with.
03
Explain and complete
I explain suitable options within my role, including costs, risks and conditions. If you go ahead, I help with the paperwork and applications.
04
Stay in touch
Ongoing support for the investments and policies arranged through me, with check-ins we agree on together.
AMFI
Registered Mutual Fund Distributor
NISM
Series V-A certification
LIC
Life insurance agent, LIC of India
HDFC ERGO
General and health insurance agent
How I’m paid: I earn commissions from the fund houses and insurers whose products I distribute. I am not a SEBI-registered Investment Adviser. Details of the commission I receive are available on request.
2019
Started in insurance
3
Areas I work in
2
Insurers I represent
1
Person you deal with
My philosophy
Atharva Karnik · Since 2019 · Mumbai
Understand.
Organise.
Decide.
Understand what you own. Know why you own it.
Ready to talk it through?
Take the free Financial Health Check to get your score in about 4 minutes, or book a call with me directly.
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Atharva Karnik | AMFI Registered Mutual Fund Distributor (ARN-273845). Not a SEBI-registered Investment Adviser. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.
Insurance is the subject matter of solicitation. I am an agent of LIC of India (life insurance) and HDFC ERGO General Insurance (general and health insurance), and I can offer only their products. Claims are decided by the insurer under the policy terms.