Every fortune has a guardian. Now you can have yours.
Professional wealth guidance. Finally Affordable.
was born from a simple frustration.
Too many smart professionals making avoidable mistakes with their money, not from a lack of intelligence, but a lack of clarity. Behaviour quietly shapes outcomes: the "tips" followed, the panic felt, the decisions delayed. It all adds up.
The tips they follow, the panic they feel, the decisions they delay: it all adds up.
We started Karat Capital Advisors in 2020 to change that, combining decades of investment experience with technology that monitors your portfolio, understands your patterns, and keeps you disciplined when it matters most.
Simple beats complicated. Always.
We don't believe in complicated portfolios, frequent churning, or chasing the next big thing. Our job isn't to impress you with jargon. It's to make sure your money works as hard as you do, and that you don't get in its way.
Simple strategies
No exotic products. No convoluted plans. Just clear, well-researched decisions that hold up over time.
Long-term discipline
We help you stay the course through market noise. No panic selling. No FOMO buying. Just steady progress.
Super Power
Compounding is your superpower, but only if you stay out of its way.
Advisory intelligence. Engineering excellence. Fused together.
Led by advisors who have guided wealth through every market cycle. Paired with engineers who built global systems at scale.
Two and a half decades of advising clients and investing proprietary capital across market cycles. Built his investment philosophy at HDFC Bank and Kotak Mahindra Bank, then co-founded Entrust Family Office where he worked closely with high net worth families on long term wealth planning. That experience revealed a gap: quality advisory was only accessible to the ultra-wealthy. Karat Capital Advisors was set up in 2020 to bring that same rigour and discipline to every serious investor.
"Wealth is built with patience, not predictions."
Two decades of building and scaling technology products across startups in India and the US. Has led engineering and product teams at InMobi, Razorpay, Plivo, and PropertyGuru: each at different stages of growth and complexity. At time.money, he's responsible for translating deep financial thinking into a platform that's simple, reliable, and built to serve thousands of investors without losing the personal touch.
"We’ve engineered a platform where sophistication meets simplicity: technology that fades into the background while delivering a secure, seamless wealth experience upfront."
Over three decades across debt markets, mutual funds, and investment advisory. Former stints at Darashaw Securities, Kotak Mahindra Mutual Fund, and Entrust Family Office. At Karat Capital, he ensures that every feature, every communication, and every recommendation stays on the right side of SEBI regulations, so investors never have to wonder.
"Trust is built in the fine print."
Beyond the Founders
While the three of us lead time.money, we have built support around full time operations staff, permanent engineering team for development & security and external specialists for specific requirements.