About Atharva Karnik
Helping families in India and abroad understand their money
I’m Atharva Karnik. I help individuals, families and NRIs understand their mutual funds and insurance, keep their records in order, and make each decision with a clear purpose.
2019
Started in life insurance with LIC of India
ARN-273845
AMFI Registered Mutual Fund Distributor
3 areas
Mutual funds, life insurance and general insurance
India & NRIs
Professionals and families with ties in India
My story
From my father’s field to a practice of my own
I first learned about insurance at home. My father worked in the field, and seeing his work up close showed me what the right cover can mean for a family.
My own path started somewhere else. I studied Animation and VFX and worked in that industry before deciding to put my time into building this business.
I began as an LIC life insurance agent in 2019. I later set up my own financial-services practice, added mutual fund distribution, and then general insurance, so clients could look at their investments and protection in one place.
Today my aim is simple: 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.
Atharva Karnik
Founder, Atharva Karnik Financial Services
Registrations and qualifications
Who I am registered with
You should always know who you are dealing with. These are my current registrations and the products I can offer.
Mutual funds
AMFI Registered Mutual Fund Distributor
NISM Series V-A certified
Life insurance
Agent, LIC of India
I can offer only LIC life insurance products.
General and health insurance
Agent, HDFC ERGO General Insurance
I can offer only HDFC ERGO general and health insurance products.
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.
My journey
How the practice has grown
August 2019
Began as an LIC life insurance agent
My first role in financial services, building on what I had seen of my father’s work.
2023
Set up my own practice and started mutual fund distribution
Registered as an AMFI mutual fund distributor, so clients could discuss investments alongside their life cover.
April 2026
Added general insurance with HDFC ERGO
Health and other general insurance joined life insurance and mutual funds.
Today
Focusing on professionals and NRIs
Building the practice around Indian professionals and NRIs who have financial commitments and family ties in India.
My approach
What you can expect from me
Your purpose comes first
Before we look at any product, I want to understand your responsibilities, goals, existing commitments and how much risk you can take.
Details in plain language
I go through costs, risks, policy conditions and limitations in language you understand, before you decide anything.
Investments and protection together
We look at your investments and your insurance in the same conversation, within the scope of my roles as a distributor and an agent.
Paperwork made manageable
I help you understand what documents are needed and keep your investment and policy records organised.
Clear about my role
I explain how I am paid, and I tell you when a question needs a tax, legal or other specialist.
Working together
How a new client relationship works
01
Understand your situation
We talk about your family responsibilities, goals, existing investments and insurance, and what you need help with. For NRIs, this includes your country of residence and India-related requirements.
02
Review the relevant information
We go through the documents and details needed to understand your request, find any missing information and agree on what I can help with.
03
Explain the options and complete the process
I explain suitable options within my role, including costs, risks and relevant conditions. If you decide to go ahead, I help with the documentation and applications.
04
Stay in touch for servicing
I support the investments and policies arranged through me, including updates, servicing requests and changes in your circumstances. We agree together on how future check-ins will work.
What guides me
My values
Clarity
Plain language, and no term left unexplained.
Transparency
You know the costs, the risks and how I am paid.
Responsibility
I work within my role and say when you need a specialist.
Consistency
Steady support for the investments and policies you hold through me.
My philosophy
“Understand what you own. Know why you own it.”
Every product we discuss should pass this test: you know what it is, what it costs, what could go wrong, and which goal it serves.
Talk it through with me
Tell me about your goals and your existing cover. I’ll explain your options in plain language and tell you how I’m paid.
Not sure where to start? Take the free Financial Health Check and get your score in about 4 minutes.
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.