Bareilly · Uttar Pradesh · India
CFP® professional and AMFI-registered Mutual Fund Distributor serving more than 100 client families since 2016 — and the automation architect behind the CRM, workflow and AI systems that let distribution and wealth firms grow without losing rigour.
CFP® professionalFPSB certification no. 126567About
Most financial plans fail in the follow-through, not the spreadsheet. I built a practice — and then the systems — to close that gap.
I started in financial services in 1997 with Ashok Leyland Finance, and spent the next two decades in credit, branch banking with HDFC Bank, corporate finance in Oman and mobile-money revenue assurance with Vodacom in Tanzania before setting up my own practice in 2016. Today I work with more than 100 client families on goal-based planning, retirement, insurance and mutual fund distribution — every family with a written plan, a review calendar and a documented, suitability-led rationale for each product.
Running that practice properly means onboarding, KYC, risk profiling, goal tracking, portfolio reviews, policy renewals and claim support — all repeatable, all auditable. I automated my own operations on Zoho, Google Workspace and Pabbly Connect, then began building the same systems for other distributors, SEBI-registered investment advisers, insurance intermediaries and wealth firms.
The two halves keep each other honest: the practice tells the automation what advisers and distributors actually need, and the automation keeps the practice lean enough to give each family real attention.
Journey
Nearly three decades in financial services — first lending and banking, then corporate finance across two continents, now an independent practice built on written plans and audited systems.
Thirteen years inside Indian credit and retail banking: assessing borrowers and funding commercial vehicles at Ashok Leyland Finance, running finance and inventory control for a manufacturing group, then managing branch relationships, controls and audits at HDFC Bank.
What it taught me: how families actually borrow, save and slip — and that process discipline protects people.
Finance Manager for a trading group in Muscat, then revenue assurance for Vodacom's M-Pesa mobile-money business in Dar es Salaam — designing reconciliations between banks and wallets, fraud and KYC controls, and international transfer settlement at national scale.
What it taught me: money systems only earn trust when every rupee — or shilling — can be traced end to end.
25 Carat Wealth opens in Bareilly: goal-based financial planning, retirement, insurance and mutual fund distribution for more than 100 families, formalised with the CFP® certification, the Licentiate of the Insurance Institute of India and PFRDA Retirement Adviser registration in 2021. The operational discipline from the earlier chapters became 25 Carat Ventures — automation for distribution and wealth firms.
What it means for you: a financial plan from someone who has run the controls, not just read about them.
What I do
25 Carat Wealth
Goal-based planning under the CFP® standard, with mutual fund distribution carried out as an AMFI-registered Mutual Fund Distributor — the two roles kept distinct and disclosed.
For families who want a written plan, a review rhythm and a documented reason for every recommendation.
25 Carat Ventures
CRM, workflow and AI systems designed by someone who runs a compliant practice — built on Zoho, Google Workspace and Pabbly Connect, and maintained under annual contracts.
For mutual fund distributors, SEBI-registered investment advisers, financial planners, insurance intermediaries and wealth management firms.
How planning works
The order matters. No product is placed until goals, horizon, risk tolerance, risk capacity, liquidity needs and existing cover are understood and written down.
Goals, cash flow, assets, liabilities, insurance in force, family circumstances.
Risk tolerance and risk capacity assessed separately. Emergency fund and cover adequacy checked before investing.
A written plan: goal priorities, asset allocation, insurance gaps, tax and inflation assumptions stated explicitly.
Execution through disclosed channels. Every product carries a documented suitability rationale.
Scheduled reviews, rebalancing, policy renewals and claim support — with records kept for every change.
The same sequence is what I automate for other firms: intake forms, risk-profile scoring, plan documents, review reminders and audit trails — so the discipline survives growth.
Credentials
Every registration number is published here so that it can be verified independently with the issuing body.
CERTIFIED FINANCIAL PLANNER® — authorised by FPSB to use the CFP® marks in India. Certification no. 126567, issued 25 March 2021, valid to 31 March 2027.
| Credential / registration | Issuing body | Number |
|---|---|---|
| CFP® — Certified Financial PlannerValid to 31 Mar 2027 | Financial Planning Standards Board (FPSB) | 126567 |
| Retirement AdviserNational Pension System | PFRDA | RAN000009061 |
| LicentiateExamination held March 2021 | Insurance Institute of India | LI122666 Reg. 1201314803 |
| Mutual Fund DistributorAMFI-registered | Association of Mutual Funds in India | ARN-172683 EUIN E346689 |
| Master of Commerce (M.Com.)Financial analysis, income tax, public enterprise management · 1998–2000 · First division | M.J.P. Rohilkhand University, Bareilly | — |
Ventures
Planning & distribution
Goal-based financial planning, retirement, insurance and mutual fund distribution for more than 100 client families, with adarshsharma.in as its personal front door.
Founder · CFP® professional AMFI-registered Mutual Fund Distributor · ARN-172683Automation
Business automation and CRM engineering for distribution and wealth firms — Zoho CRM builds, Pabbly workflows, AI-assisted operations and ongoing maintenance under annual contracts.
Proprietor · Solution architectSelected builds
End-to-end Zoho CRM pipeline: contact and family-head records, policy module, document sync to WorkDrive, branded email delivery with PDF attachments, and WhatsApp issuance notifications.
Zoho CRM · Deluge · WorkDrive · Pabbly Connect · WhatsApp APIIntake form to a Claude-powered audit that scores claim readiness out of 100, reconciles every bill against the admission window and generates a branded exception report — released only after human approval.
Zoho Forms · Pabbly Connect · Claude API · Google Cloud Function · Zoho MailA single AI-assisted control layer operating several clients' Zoho CRM organisations from one workspace, with account confirmation before every write and per-client isolation of data and instructions.
Zoho CRM · Composio · Claude · SkillsA full-stack web app for a housing society: dues, payment verification, receipts, push and email notifications, bank-statement matching and a double-entry ledger.
Node.js · Express · React · SQLiteWriting & speaking
Podcast
A podcast on the basics and the deeper mechanics of personal finance — retirement buckets, the real cost of impulse spending, insurance claims — available on Apple Podcasts, Spotify, Amazon Music, JioSaavn, Gaana and most podcast apps.
Listen to the showArticle
Why investors break years of compounding for needs that could have been met without selling a unit — how LAMF works, what lenders check, and the operational detail that trips up most applications.
Read on LinkedInConnect
Regular notes on retirement planning, financial freedom and the systems side of running a practice — for families and for fellow distributors and advisers.
linkedin.com/in/cfpadarshWhat clients and peers say
"It is really refreshing to work with a financial adviser who is truly interested in their client's needs, circumstances and preferences. What really impressed me was the way you took the time to get a feeling for where I was at, your depth of knowledge, lateral thinking and your common-sense approach."
"Adarsh is a thorough professional building his own enterprise in a very diligent manner. He keeps the interest of his clients as the top-most priority, which is absolutely imperative for success in his profession. He has developed a strong conceptual understanding of different aspects of financial planning, including undertaking the required professional certifications."
Recommendations received on LinkedIn, reproduced with permission. They describe the individuals' experience and are not an assurance of returns or outcomes.
Tooling
Contact
Whether you are a family looking for a written financial plan or a firm looking to automate its operations, the first step is the same: a short call to understand what you need.
Write to me