Win in life, financially!
Plant. Grow. Reap. Repeat
Your behaviour and a long-term mindset are your edge. That is all that matters.
If time = money, time.money = financial freedom.
BSE Sensex since inception
How do you win financially?
Time
Time is not a constraint, its your greatest ally. Harness the power of compounding to build your wealth.
Money
Money has the transformative power to turn your dreams and aspirations into reality
Behaviour
Managing emotions and biases is key to making rational choices to achieve long term goals
time.money
Win in life, financially!
By leveraging time wisely and fostering disciplined behaviour
Why time.money?
High quality Investment Advisory DNA driven by humanised technology.
What do we offer?
Investing, akin to a puzzle, demands learning, wise decisions, discipline, resilience, and our tools help map behaviours, paving the path to financial freedom.
Why Investing Patterns matter?
Strategic investing fosters financial stability and growth by aligning goals, managing risk, prioritizing long-term growth, and adapting to changing circumstances and markets.
Why Behaviour Patterns matter?
Understanding and managing investor attitudes and behaviours is pivotal for investment success. Recognizing biases, blind spots, and behaviour aids in making informed and disciplined choices
Key Features
What is in it for You?

What is in it for You?
Longer lifespan means saving early and adequately to avoid
depletion.
Our tools assess your journey, goals, and tailors solutions for market
resilience, ensuring a personalised and simplified investment strategy.
All this results in simplified solutions for your challenging investment
problems.
How do We do it?
Our Investment wireframe: SLICE
How do We do it?
Our Investment wireframe: SLICE
SLICE enhances wealth by selecting sound investments, rigorously
evaluated to yield superior returns by avoiding poor choices.
time.money believes, a successful
investment journey compulsorily requires a long term mindset, appropriate
behaviour combined with compounding to work up its magic !

How do we build your Investment Strategy?
Using the principle of Occam's Razor

How do we build your Investment Strategy?
Using the principle of Occam's Razor
Occam's Razor principle resonates well with time.money
However complex an individual's requirements are, the simplest construct
will usually be the most superior. This is like choosing the optimal
path in a maze instead of the complicated ones.
Simple strategies are easier to understand and often work better
Who are we?
Simply put, we are where your goals meet their logical solutions. time.money is a platform under Karat Capital Advisors Private Limited, SEBI Investment Advisory Registration No: INA200015219, set up in 2020.
The time.money manifesto
- Offers insights into the relationship between time and money
- Optimises financial decisions to enhance investors' financial lives
- Explore concepts like value of time, opportunity cost and power of compounding
- Advocacy in financial literacy and time poverty in investing
Ramesh Bukka
Founder
Ramesh Bukka, Founder, has been advising clients and investing proprietary capital over the last two and a half decades. This, combined with his deep insight of the Indian equity market built over decades has enabled him to be a seasoned investor. Has worked at HDFC Bank & Kotak Mahindra Bank in the past and was a Co Founder at Entrust Family Office, before setting up Karat Capital Advisors.
Chidananda J
Technology
Chidananda AJ handles all things technology at Karat Capital. Comes with a two decade plus experience across startups in India and US. Past stints include InMobi, Razorpay, Plivo and PropertyGuru.
Ramesh G
Compliance
Ramesh G is the compliance officer at Karat Capital and comes with over two and half decades’ experience across Debt Markets and Mutual Funds. Has worked with Darashaw Securities, Kotak Mahindra MF and Entrust Family Office amongst others.