
About Us
Kyron Finserv
At KyRon Finserv we provide a structured approach to your wealth creation journey by partnering as your trusted financial advisor.
Our mission is to provide a personalized framework and execution path to our esteemed clients helping them achieving their financial goals.
The range of services caters to the core pillars of any financial plan including Investment Planning, Retirement & Tax Planning and Insurance & Estate Planning collaborating with certified and proven industry experts in our organization.
Mutual Fund
The Importance of Asset Allocation During Market Correction
Markets were down in the last few weeks, and many new investors saw their portfolios in red for the first time. While the fall in the market is a part and parcel of investing, asset allocation can help you to manage the risk in your portfolio and optimise the returns. Even the most experienced and knowledgeable investors can suffer from a corrective move in the market for it induces panic and causes them to make decisions that are against long-term investment goals. During such instances, asset allocation might be the answer. Asset Allocation is an investment strategy where investors invest in different asset classes that are not directly correlated with each other. This article discusses the nature of asset allocation, its usefulness when there is a market correction and strategies that can be implemented, enabling one to build stronger financial muscles. You will see for yourself that by the end of the article, asset allocation is the most important pillar of a well-structured investment strategy. What is asset allocation? Asset allocation is the process of spreading investments over various classes of assets such as stocks, bonds, real estate and commodities, to achieve a certain given level of risk that is acceptable to the investor. This strategy is based on the idea that different classes of assets behave differently with changes in the market and therefore, it is almost impossible for one downturn to adversely affect the performance of a portfolio as a whole. For example, while equities may suffer losses during a corrective move of the market, debt investments such as debt mutual funds or even gold might cushion the blow. Why does asset allocation matter during market corrections? Having a diverse portfolio helps protect you in times of turbulence: 1) Mitigating volatility: Market corrections induce a high degree of uncertainty. Equities can crash hard, but their decline might be cushioned by the positive behaviour of the other asset classes such as bonds or commodities. A diversified portfolio reduces overall volatility, providing smoother returns and protection of capital during rough waters. 2) Capital preservation: For investors nearing certain financial milestones, such as retirement or buying a big-ticket item, capital preservation is critical. During corrections, you can save your financial goals from market swings by placing investments into stable asset classes like debt instruments or cash equivalents. 3) Taking advantage of an opportunity: Usually, a correction opens up secret doors: many stocks fall below their fair value. An optimally allocated portfolio reserve with sufficient liquidity or enough exposure to defensive assets allows you to take advantage of that opportunity without forcing you to significantly overextend yourself into risk territory. Strategies for effective asset allocation A systematic approach can simplify complex market dynamics. 1) Assess your risk tolerance Risk tolerance, the capacity to endure market fluctuations, is age, wealth, and investment purpose-dependent. Younger investors with time on their side may choose equities for capital appreciation, while older investors near retirement may prefer bonds or other conservative investments. 2) Adopt a multi-asset approach A mix of different asset classes tends to pursue portfolio diversification Equities -A long-term growth driver. Debt - Safety, an offering of steady income and low risk. Commodities - Protection against inflation and volatility. 3) Adjust based on economic cycles Economic conditions significantly affect the performance of your assets. Equities are likely to shine during bull phases. Bonds and gold serve as safety nets when the market is down. Going forward, ensure that you are revisiting your allocation strategy periodically to make sure that it is in harmony with current market conditions. 4) Rebalance regularly. With time, the market's price movement may distort your original allocation. The rebalancing process ensures that you return to your target asset allocation. This makes sure that the risk that you are taking is in line with your risk tolerance. Conclusion The process of establishing a portfolio based on several classes of assets, balanced and rebalanced over time, will minimize risk, preserve capital, and extract appropriate advantages from market possibilities. In a period of economic instability and fast-moving markets, a sound asset allocation strategy cannot and should not go unseen. Start now to build a portfolio that will survive a market correction and guide you toward long-term development. Prasad Iyer [Certified Financial Planner - CFP CM]
Read MoreFebruary 3, 2025
Finance
Do You Have Overconfidence Bias ?
Do you look up to people who are extremely confident?While being confident has its advantages, overconfidence comes with its set of disadvantages as well.It is especially true when we look at the impact of overconfidence on our investment decisions.Overconfidence is a common behavioral bias that causes people to make hasty investment decisions.In this article, we explore the effects of overconfidence on investment and personal finance, explaining how even the most intelligent people can become victims of overconfidence bias and, more crucially, how to steer clear of them. Overconfidence Bias: What Is It? A person may suffer from overconfidence bias if they have an inflated sense of their own knowledge or exceptional abilities in areas such as investments.Investors with overconfidence bias generally form this bias in the course of their investment journey. They might have struck gold with a few of their stock picks or they might have been able to correctly time the entry and exit of a particular investment option.This might make the investor overconfident about his or her investment abilities.Take this example.In a study, it was found that 73% of people insisted that they are better drivers than average drivers. Obviously, not everyone is right.But this shows us that we tend to overestimate our abilities.If you believe that you can consistently beat the market, then you might be a victim of overconfidence bias as well. How Overconfidence Affects One's Financial Situation And How To Overcome It Now, let us look at how overconfidence bias might affect your financial situation.1) Not Managing Their Risks ProperlyFar too many people let their emotions, rather than logic, guide their risk tolerance assessments. Some people think they can ride out market volatility or downturns, but then they sell their investments in a panic and lose a lot of money. Hence, it is important to understand your risk tolerance before you make any major investment decisions.2) The F&O TrapProfessionals, like doctors, often fall prey to the allure of high returns in Futures and Options (F&O). In my personal experience, I have seen a lot of doctors who believe that they can easily carry out F&O trading and get handsome profits on a consistent basis.But sooner or later, they get their fingers burned. It is important to understand that being a doctor or any profession that requires years of rigorous training doesn't automatically equate to being a good trader.Instead of being overtly overconfident on your gut feelings, it is important to be practical and ask questions like:Do I have the time to focus on F&O trading all the time?Do I have adequate investment experience to start F&O?If any one of the answer is NO then F&O might not be the right option for you.3) Excessive reliance on external sourcesMost of the time, persons who overestimate their future profits or market performance end up borrowing too much money or investing on margin. They have to deal with debt or sell off assets when the predicted windfall doesn't come through. Hence, it is important to use one's income for investment purposes.4) Making a rash investmentWhen people are overconfident, they sometimes make rash investing decisions without doing their homework, such as buying equities that are currently trending up in price or putting all their money into industries that have shown recent growth. While you might be lucky but it is highly unlikely that you will be right all the time.5) Ignoring Professional GuidanceIt is common for individuals who are overconfident to disregard the recommendations of their financial advisors because they believe that their own judgment is superior. As a result of this do-it-yourself attitude, portfolios may not be adequately diversified, and opportunities may be lost. How to Overcome Overconfidence Bias In the previous paras, we have already discussed a few ways to overcome overconfidence bias, here are a few more ways to make sure that you don't fall victim of overconfidence bias.Accept and appreciate humility: Be aware of the constraints of your knowledge and acknowledge that markets are unpredictable. Even investment guru Warren Buffett said to stick to familiar things.Enhance Investment diversification: Avoid placing all of your eggs in a single receptacle. Diversify investments geographically and across asset classes to mitigate risk.Conduct a Pre-Mortem Analysis: Inspired by Nobel Laureate Daniel Kahneman, this approach entails the creation of both success and failure scenarios for your financial plans. Identify potential hazards by assessing what could go awry.Opt for the advice of a professional: Financial advisors can assist in diversifying your portfolio, keeping emotions in control, and providing a balanced perspective.Conduct routine inspections of performance: Periodically assess your investment strategies. Adopt a more reflective approach and learn from your past errors.Automate Investments: Instruments such as systematic investment plans (SIPs) mitigate emotive decision-making, thereby encouraging discipline and the accumulation of long-term wealth. Conclusion Overconfidence bias can feel like a hidden superpower, encouraging risky financial decisions and a sense of control. However, in terms of personal finance and investments, it is more of a concealed trap. Individuals who overestimate their knowledge and ignore risks may unintentionally jeopardize their financial security.The key to overcoming this is awareness and discipline. Take some time to think about your options, consider different points of view, and seek help when necessary. Remember that managing money isn't about demonstrating how much you know—it's about creating a future in which your financial aspirations match your reality.Prasad Iyer[Certified Financial Planner - CFP CM]
Read MoreDecember 26, 2024
Finance
Nearing Retirement? SWP Can Help You Stay Financially Secure
As you near retirement, the excitement of finally having more time for yourself is mixed with a lot of questions: Will my savings be enough? How do I ensure I have a steady income without worrying about running out of money? You've worked hard for years to build up your nest egg, but now it's time to make that money work for you. It's no longer just about saving, it's about managing what you've saved in a way that supports the life you want to live. This is where a Systematic Withdrawal Plan (SWP) can make a difference. SWP helps you create a predictable income stream from your investments, giving you peace of mind and the freedom to enjoy your retirement without the constant financial stress. It's a simple, flexible way to turn your hard-earned savings into the support you need for your next chapter. What Is an SWP and How Does It Work? Do you want to get a certain amount of money in your bank account every month just like you get your salary? Systematic Withdrawal Plan (SWP) can help you do just that. An SWP allows you to withdraw a predetermined amount from your invested funds at regular intervals, be it monthly, quarterly, or annually. Unlike a Systematic Investment Plan (SIP), where you contribute regularly to build wealth, a SWP is about creating a steady income stream by drawing from the corpus you've already accumulated. Here's how it works: Invest in a source fund: A source fund is a mutual fund from where you will make systematic withdrawals at regular intervals. For instance, if you have invested in an equity mutual fund during your working years, you need to transfer a certain portion of the funds to a relatively less volatile fund such as a debt fund. You can either do it through a Systematic Transfer Plan (STP) where you systematically transfer a certain amount of money from your equity fund to your debt fund every month or by transferring it in one go. Schedule Withdrawals: Next, you need to decide the amount and frequency of withdrawals based on your needs. The Remaining Amount Keeps Growing: The remaining funds will continue to grow as per the returns generated by the fund. By adopting this method, you can get a regular income that will help you maintain financial stability without having to time the market or deal with its uncertainties. Benefits of Retirement If you are nearing retirement, here's why you need to focus on SWP. Steady Source of Income - SWP can be your steady source of income after your retirement. You can fix the amount that you need to withdraw every month/quarter etc and get it in your bank account every month. This amount is not linked to market movements. Tax Efficiency- Unlike fixed deposits, where the entire interest is taxable, SWP taxation applies only to the gains on withdrawn units. This results in significantly lower tax liability as the tax liability is based on the difference between the Net Asset Value(NAV) at the time of buying and selling the units. Enhanced Cash Flow Management- SWP allows you to align withdrawals with your evolving financial needs. Whether your expenses increase due to inflation or lifestyle changes, you can adjust your plan accordingly. Compounding Effect-The remaining amount in the fund continues to earn interest which might help your retirement kitty to last longer even as you withdraw every month. Key Considerations When Setting Up an SWP While a SWP is a powerful tool, careful planning is necessary to optimize its benefits- Determine the Right Withdrawal Rate- The amount you withdraw should align with your monthly needs but remain sustainable over the long term. Regularly reassess your requirements to accommodate inflation and other financial goals. Plan for Emergencies- Keep a portion of your corpus liquid to address unexpected medical expenses or emergencies without disrupting your SWP schedule. Choose the Right Fund- Opt for funds that match your risk tolerance and income requirements. Debt mutual funds, for example, are often considered for their lower risk compared to equity funds. Conclusion Retirement should be a time to savour life's rewards, not worry about finances. With an SWP, retirees gain a powerful tool to manage their wealth and ensure a steady income stream throughout their golden years. Unlike traditional fixed-income options, SWPs provide flexibility, tax advantages, and growth potential, allowing retirees to adjust their withdrawals as needed while their investments continue to grow. The beauty of SWP lies in its ability to offer predictable income, protect against market volatility, and help you stay ahead of inflation, all while preserving the wealth you've worked hard to accumulate. Whether you're looking to fund your everyday expenses or leave a legacy for your loved ones, SWP ensures you have the financial freedom to enjoy your retirement without compromise. Prasad Iyer [Certified Financial Planner - CFP CM]
Read MoreNovember 25, 2024
Finance
Hidden costs of DIY Investing
Are You a DIY Investor? 5 Reasons Why You Need a Financial Expert DIY investing sounds appealing, cutting costs, taking control of your financial future, and reaping the benefits of your hard work. But have you ever thought about the hidden costs that come with it? Managing your own investments may seem empowering, but without realizing it, you could be losing more than you think. Let's take a look at why working with a financial expert can save you more than just money. 1. Time: Do You Really Have Enough of It? We've all heard the saying, "Time is money." But in the world of investing, time is much more than that. Investing isn't just about placing trades, it's about constant learning, research, and monitoring. Do you have the time to: Keep up with daily market news and financial reports? Analyze individual stocks, funds, and broader market trends? Adjust your portfolio as your goals and market conditions change? DIY investing demands more time than most of us realize. A financial expert, on the other hand, frees up your time, managing this complexity for you while keeping your financial goals on track. Hidden cost: Without an expert, you may end up sacrificing valuable time that could be spent on other important aspects of your life, like advancing your career or spending time with loved ones. 2. Emotional Decisions: Are You Prepared for Stress? Market ups and downs are inevitable, and they can take a serious toll on your mental health. We’ve all felt the urge to react impulsively when the market crashes or when we hear about a "hot" investment. When emotions get involved, it's easy to make costly mistakes like: Panic-selling in a downturn. Chasing trends or jumping into risky investments because of FOMO (fear of missing out). Holding onto losing investments for too long, hoping they’ll turn around. A financial expert helps you stay level-headed by offering objective advice when things get tough. They ensure that your decisions are based on sound financial planning, not panic. Hidden cost: Emotional investing can lead to poor decisions, potentially erasing years of progress and even causing long-term damage to your portfolio. 3. The Knowledge Gap: Do You Know What You Don’t Know? Let’s be honest—investing can be complicated. Sure, you can read articles or follow online forums, but there are layers of complexity that go beyond the basics. Have you thought about: Asset allocation and how to diversify effectively? The tax implications of your investments? Rebalancing your portfolio to match your risk tolerance over time? A financial expert brings deep, professional knowledge to the table. They know the nuances of investment strategies and can navigate through technical aspects like tax savings, estate planning, and long-term goal alignment. Hidden cost: Relying solely on your knowledge might lead to costly mistakes, like missed tax advantages, improper diversification, or taking on too much risk. 4. Hidden Fees: Are You Really Saving Money? DIY investing platforms often market themselves as low-cost or even free. But have you considered the hidden non-monetary fees like: Showcasing only the top-performing funds Promotion of other insurance products and FDs No point of contact While you might think you’re saving on financial advisor fees, the truth is that these hidden charges can quietly add up over time. A financial advisor helps you minimize these costs by selecting investments that align with your goals while keeping fees low. Hidden cost: Many DIY investors overlook the small fees that, over time, compound and reduce overall returns. 5. Missed Opportunities: What Are You Leaving on the Table? One of the biggest risks of DIY investing is missing out on opportunities simply because you don't know they exist. Financial experts are constantly tracking new products, strategies, and tax-saving opportunities that could significantly boost your portfolio's performance. Are you aware of: Tax-loss harvesting techniques? New asset classes or funds that could help diversify your portfolio? Market trends that signal opportunities for strategic shifts? By partnering with a financial expert, you gain access to insights and strategies that the average DIY investor might never even come across. Hidden cost: Missing out on key opportunities can mean the difference between a mediocre portfolio and one that truly grows wealth over time. Conclusion DIY investing might seem like the cheaper option, but when we break it down, the hidden costs can quickly outweigh the benefits. From the time commitment to emotional strain, knowledge gaps, hidden fees, and missed opportunities, the true cost of managing your own investments adds up. By partnering with a financial expert or personal finance professional, you not only gain peace of mind but also maximize your potential for growth and secure a well-rounded financial plan that covers all aspects of your future. In the end, the real question is: are we truly saving by doing it ourselves, or are we risking far more than we realize? Prasad Iyer [Certified Financial Planner - CFP CM]
Read MoreOctober 29, 2024
Finance
UPS vs NPS – Kaun Banega Aapka Retirement Hero
Retirement planning is something we all think about at some point in our lives, right? It may seem far off, but planning in advance can make all the difference tomorrow. And with so many schemes and options available, it is normal to feel overwhelmed.The National Pension Scheme and the Unified Pension System are two schemes designed and initiated by the government to secure your post-retirement years.But you may ask: which one is right for me?In this blog, we’ll take a closer look at these two popular retirement plans, break down their key features, and help you understand how to make the best choice for your future. National Pension Scheme The NPS is a voluntary and long-term investment scheme for retirement initiated by the Government of India. The scheme is open to public-sector, private-sector, and even unorganised sector employees.Employees invest a portion of their income towards savings for retirement at regular intervals throughout the career or job. Post-retirement, income is generated from the corpus accumulated over the years. Also, a portion of savings is invested further in equities or debt instruments, which means that returns may not be guaranteed.Features of NPS:Voluntary scheme for employees and employers.Tax benefits for both self-employed individuals and employees under Section 80C and 80CCD.Benefits from equity or debt investments for potentially higher returns.Portability option, allowing you to continue even if you wish to switch jobs.Option to make partial withdrawals for emergencies.Unified Pension SystemThe UPS or Unified Pension System is an initiative taken by the Government of India to provide stability and financial security to government employees of the nation. It ensures the well-being of employees in their post-retirement years.Features of UPS:Only open to government employees as of now.Assured pension to employees after meeting certain criteria.Family pension in case of an employee's sudden demise.Assured minimum pension upon fulfilment of certain conditions.Indexation benefits on pensions.Lump-sum superannuation payouts.Let’s differentiate the schemes and learn about these in more detail.Eligibility Both government and non-government employees are eligible for the National Pension Scheme. UPS, on the other hand, is only available to government employees as of now.Minimum Pension AmountThere is no guarantee of minimum pension under the NPS scheme. However, the government guarantees ₹10,000 every month for government employees after they have served for at least 10 years under the UPS policy.Employees’ contributionThe employee contribution for both schemes UPS and NPS is the same i.e. 10% of the base salary.Employer’s contribution In NPS, the contribution of employers is 14% of the basic salary. Meanwhile, at UPS, the government contributes 18.5% of the base salary.Pension amountUnder NPS, pension amounts are market-linked and volatile. UPS, on the other hand, offers 50% of the average basic pay drawn over the last 12 months as a pension to the employees.Family pensionNPS does not offer any special provision for family pensions. The amount entirely depends upon the corpus generated over the years and the annuity plan chosen. Under UPS, however, 60% of the pension would be immediately made available to the family members of the employee in the event of the employee’s demise.Risk NPS is a market-linked scheme, so the returns are volatile and the risk associated with this scheme is higher. UPS provides risk-free, assured returns in the form of stable pensions to employees.Inflation adjustmentNPS doesn’t offer any option to adjust pensions against rising living expenses or inflation. UPS, on the other hand, offers adjustments for inflation based on the All India Consumer Price Index For Industrial Workers.Tax benefits 40% of the amount withdrawn as a Lump Sum from the corpus generated is tax-free, while the rest is taxable under the NPS. However, the government has yet to clarify how withdrawals under the UPS scheme will be taxed.Gratuity NPS does not provide gratuity benefits. UPS, however, includes gratuity payments along with additional payouts.Flexibility The NPS scheme is valid even if employees decide or wish to switch jobs. However, if government employees wish to switch to the private sector, they might not be eligible to continue with UPS.Which one is better?Both schemes have unique features and distinct advantages to offer. No one policy is inherently better than the other.NPS might be a suitable option for those who have a long way to go till retirement and who wish to benefit from returns from the equity market. Higher risk comes with the potential to generate higher returns, making it ideal for those seeking to grow their retirement corpus.UPS, on the other hand, might be an ideal option for employees nearing retirement who want a stable income stream to fund post-retirement expenses. With a guaranteed minimum pension and assured benefits after fulfilling certain criteria, it is a great choice for risk-averse employees.Prasad Iyer[Certified Financial Planner - CFP CM]
Read MoreSeptember 19, 2024
Mutual Fund
Understanding Long-term Capital Gains Taxes: Budget 2024-25
There have been a lot of changes in this year’s Union Budget.If you want to understand all the new changes that took place in the new budget, especially in the case of Long Term Capital Gains, then we have got your back.In this article, we will look into the different asset classes such as real estate, equity shares, mutual funds, etc., and the tax that you have to currently pay on these assets and the tax that you paid earlier.Related article: Bachao Humhe – Tax se !!! WHAT ARE CAPITAL GAINS AND LTCG TAX? Capital gains arise when capital assets are sold for a profit or gain. These gains are taxable as per the Income Tax Act of India.Long-Term Capital Gains Tax (LTCG) is a tax imposed on capital gains from the sale of capital assets after a certain duration, as mentioned in the Income Tax Act. It is levied on all asset classes such as equities, debt, gold and real estate.But first, let’s learn about the recent updates as per the Budget.Starting from FY 24-25, there will be just two holding periods: 12 months and 24 months. All listed securities will have a holding period of 12 months. All other assets will have a holding period of 24 months.Starting FY 24-25, the annual exemption limit for LongTerm Capital Gains on equity shares, equity-oriented units, or Business Trust units will rise from ₹1 lakh to ₹1.25 lakh. The tax rate also increases from 10% to 12.5%.For any other financial/non-financial assets held by you, the rate of tax on LTCGs is 12.5%.For land and buildings, any sale made after July 23, 2024, will have a tax rate of 12.5% with no indexation benefits. Alternatively, the option of paying 20% tax with indexation benefit is available if the asset was acquired before July 31, 2024. GRANDFATHERING PROVISION FOR LAND AND BUILDING The Finance Bill 2024 proposes a grandfathering provision for long-term capital gains to be applicable on the sale of land and buildings acquired before July 23, 2024.Under this, the tax payable on LTCG will be the lower of either 12.5% without indexation (new law) or 20% with indexation (old law). Any excess tax under the new law over the old law (with indexation) will be disregarded.However, non-residents, companies, partnership firms, and LLPs cannot avail of grandfathering benefits for property acquired before July 23, 2024. Indexation benefits are not available for them. LTCG Tax for Different Assets Now, let’s talk about different capital assets' tax rates and holding periods for them to be considered as long-term capital gains. .st0{fill-rule:evenodd;clip-rule:evenodd;} Listed equity shares & Equity-oriented mutual funds Holding period: More than 12 monthsTax rate: 12.5%Indexation benefit: Not availableExemptions: Up to ₹1.25 lakhs per FY .st0{fill-rule:evenodd;clip-rule:evenodd;fill:#FFFFFF;} Movable assets such as paintings, jewelry, etc.. Holding period: More than 24monthsTax rate: 12.5%Indexation benefit: Removed .st0{fill-rule:evenodd;clip-rule:evenodd;} .st1{fill-rule:evenodd;clip-rule:evenodd;fill:#FFFFFF;} Unlisted equity shares Holding period: More than 24monthsTax rate: 12.5% with no indexationbenefit Business Trust Units Holding period: More than 12 monthsTax rate: 12.5%Indexation benefit: Not available Listed bonds, debentures, and fixed-income instruments Holding period: More than 12 monthsTax rate: 12.5%Indexation benefit: Removed Unlisted Bonds Holding period: Not applicableTax rate: As per income slabIndexation benefit: Not applicable Gold/Silver ETFs Holding period: 12 monthsTax rate: 12.5%Indexation benefit: Not applicable Physical Gold Holding period: 24 monthsTax rate: 12.5%Indexation benefit: Not applicablePrasad Iyer[Certified Financial Planner - CFP CM]
Read MoreAugust 20, 2024
Fund Manager Interviews
Testimonials
Here is What Our Clients Have to Say


Rohan Krishnan
I’ve been a client with Kyron Finserv for 4 months and it’s been an excellent experience. Their onboarding process is seamless, and they maintain transparency throughout. They’re always prompt in addressing my queries, and Prasad’s expertise shines through in portfolio discussions. Their focus on goal-oriented growth, not blind returns, aligns perfectly with my financial plans.

Rohan Krishnan
I’ve been a client with Kyron Finserv for 4 months and it’s been an excellent experience. Their onboarding process is seamless, and they maintain transparency throughout. They’re always prompt in addressing my queries, and Prasad’s expertise shines through in portfolio discussions. Their focus on goal-oriented growth, not blind returns, aligns perfectly with my financial plans.


Abhishek Garg
I met Prasad (Kyron Finserv), via a common friend, who highly recommended him. I was not into investments, but after talking to Prasad, I am truly grateful for his expertise and guidance in planning my long-term investments. His deep understanding of market trends and personalized approach helped me feel confident in my financial decisions, he took the time to explain complex concepts clearly and tailored the plans to align with my goals, which has made all the difference. I truly appreciate his professionalism, attention to detail, and commitment to my success. Thank you for your professionalism and support—I look forward to continuing this successful partnership!!

Abhishek Garg
I met Prasad (Kyron Finserv), via a common friend, who highly recommended him. I was not into investments, but after taking to Prasad, I am truly grateful for his expertise and guidance in planning my long-term investments. His deep understanding of market trends and personalized approach helped me feel confident in my financial decisions, he took the time to explain complex concepts clearly and tailored the plans to align with my goals, which has made all the difference. I truly appreciate his professionalism, attention to detail, and commitment to my success. Thank you for your professionalism and support—I look forward to continuing this successful partnership!!


Priyanka Nemade
Having advice from Kyron Finserv and working with Prasad for my personal finance and tax planning has given me an extensive and deep understanding at how I must plan my finances. His approach is detailed in expenses, earnings and subsequent future planning. One begins to think on those lines and has a huge impact on our financial goals. Factoring personal goals, inflation and pension pool saving and investment becomes a fuss free job! His guidance is not like someone who put you on diet for cutting corners.. His approach is systematic and goal oriented. Like for women who work today, having a financial advisor and long term investment planner is paramount and Kyron just fulfills that in every way!

Priyanka Nemade
Having advice from Kyron Finserv and working with Prasad for my personal finance and tax planning has given me an extensive and deep understanding at how I must plan my finances. His approach is detailed in expenses, earnings and subsequent future planning. One begins to think on those lines and has a huge impact on our financial goals. Factoring personal goals, inflation and pension pool saving and investment becomes a fuss free job! His guidance is not like someone who put you on diet for cutting corners.. His approach is systematic and goal oriented. Like for women who work today, having a financial advisor and long term investment planner is paramount and Kyron just fulfills that in every way!


Kiran Naik
I got in touch with Kyron Finserv last year and it has been a fantastic experience till now. Prasad and team spent a good time with us initially, to understand the goals and expenses in detail and then suggested the best suitable plan. In today’s world of information overload and continuous monitoring, it’s easy to get misguided for short team gains. On this aspect especially, I found Prasad very grounded and focused on my particular goals, which has in turn kept me unperturbed by the day to day happenings in the market. Wishing Kyron Finserv all the very best and looking forward towards a long partnership.

Kiran Naik
I got in touch with Kyron Finserv last year and it has been a fantastic experience till now. Prasad and team spent a good time with us initially, to understand the goals and expenses in detail and then suggested the best suitable plan. In today’s world of information overload and continuous monitoring, it’s easy to get misguided for short team gains. On this aspect especially, I found Prasad very grounded and focused on my particular goals, which has in turn kept me unperturbed by the day to day happenings in the market. Wishing Kyron Finserv all the very best and looking forward towards a long partnership.


Imran Mohammed
My experience with KyRon Finserv for my financial planning has been very good. Prasad was very thorough in gathering all the required information necessary for financial planning. After that the plan was prepared and explained to us and then all the agreed plan items were executed in a very seamless and professional manner. I feel very confident of reaching my financial goals.

Imran Mohammed
My experience with KyRon Finserv for my financial planning has been very good. Prasad was very thorough in gathering all the required information necessary for financial planning. After that the plan was prepared and explained to us and then all the agreed plan items were executed in a very seamless and professional manner. I feel very confident of reaching my financial goals.


Keshav Maheshwari (SAP Lead – Rayven IT Solutions)
Palak Khemani (CA – Audit Manager – Deloitte Consulting US)
Hyderabad, India
KyRon Finserv has been very helpful in our financial goals mapping particularly future needs of our son’s higher education and our own retirement planning. As we stepped in to parenthood it was critical to assess these needs and have a roadmap in place to achieve the milestones. Their personalised approach to mutual fund investments has given us the confidence and instilled a discipline which should help us in the long run. Wishing them the best and would recommend their services for planning your financial well-being.

Keshav Maheshwari
Palak Khemani
KyRon Finserv has been very helpful in our financial goals mapping particularly future needs of our son’s higher education and our own retirement planning. As we stepped in to parenthood it was critical to assess these needs and have a roadmap in place to achieve the milestones. Their personalised approach to mutual fund investments has given us the confidence and instilled a discipline which should help us in the long run. Wishing them the best and would recommend their services for planning your financial well-being.


Harsha Nair
The advice given by Prasad and team has really helped me understand the importance of financial planning and money growth. I found the advice reliable and looking forward to many more years of growth together !

Harsha Nair
The advice given by Prasad and team has really helped me understand the importance of financial planning and money growth. I found the advice reliable and looking forward to many more years of growth together !


Dipen Gada
The man behind KyRon Finserv is a very dynamic person and has influenced me in many ways. From the time when Prasad became my financial advisor, things around have changed in terms of my financial stability and thought process. setting goals and planning long term investments. I had never given it much importance earlier but have positively changed with help of Prasad and his team.. Thank you and all the best to the entire team.

Dipen Gada
The man behind KyRon Finserv is a very dynamic person and has influenced me in many ways. From the time when Prasad became my financial advisor, things around have changed in terms of my financial stability and thought process.. setting goals and planning long term investments. I had never given it much importance earlier but have positively changed with help of Prasad and his team.. Thank you and all the best to the entire team.


IRFAN (New Zealand Trade and Enterprise – Mumbai)
SONALI (Tata Consultancy Services)
Most people aspire to be financially planned and savvy, but in reality, don’t know how to start and hence find it very daunting, to begin with. What is unique about Prasad is, that he makes the process very comfortable for you. In addition to his deep integrity and financial acumen, he is a very patient listener and communicates with empathy. He simplifies your financial planning process irrespective of where you are on that journey. We have begun ours, thanks to Prasad and his team at Kyron. We wish Kyron Finserv all the best, and are very happy to recommend them to start your financial planning journey today.

IRFAN
SONALI
Most people aspire to be financially planned and savvy, but in reality, don’t know how to start and hence find it very daunting, to begin with. What is unique about Prasad is, that he makes the process very comfortable for you. In addition to his deep integrity and financial acumen, he is a very patient listener and communicates with empathy. He simplifies your financial planning process irrespective of where you are on that journey. We have begun ours, thanks to Prasad and his team at Kyron. We wish Kyron Finserv all the best, and are very happy to recommend them to start your financial planning journey today.


Harish Wani – Director – LTMindtree (Mumbai)
Savita Wani – Director – Accenture (Mumbai)
KyRon Finserv has provided me with end to end solution for all my financial planning and execution needs. Their well-structured and personalized financial planning report helped me understand the investments required for my children’s education, marriage, and other financial goals along with the most critical – post-retirement needs. Being new to mutual funds, having a guided approach has been very helpful and I am a lot more assured and confident of achieving all my financial goals. Thanks to the team and Prasad.

Harish Wani
Savita Wani
KyRon Finserv has provided me with end to end solution for all my financial planning and execution needs. Their well-structured and personalized financial planning report helped me understand the investments required for my children’s education, marriage, and other financial goals along with the most critical – post-retirement needs. Being new to mutual funds, having a guided approach has been very helpful and I am a lot more assured and confident of achieving all my financial goals. Thanks to the team and Prasad.


Latika Nigade
As you sow, so shall you reap” something all of us live by, but how much to sow so as to reap enough to live carefree during retirement is best explained and guided by Prasad and team. Thank you Prasad for your professionallism, patience and trustworthiness to make sure the financial goals for me and my family are met. I sleep so much better knowing this complicated bit of my life is in your safe hands.

Latika Nigade
As you sow, so shall you reap” something all of us live by, but how much to sow so as to reap enough to live carefree during retirement is best explained and guided by Prasad and team. Thank you Prasad for your professionallism, patience and trustworthiness to make sure the financial goals for me and my family are met. I sleep so much better knowing this complicated bit of my life is in your safe hands.


Ritu Khabia
Prasad@kyronfinserv helped me rebalance my mutual fund portfolio as per my life stage and fund requirements. Earlier my approach to investing was random and chaotic. I used to invest in any mutual fund that struck my fancy whenever I had some money lying around. Prasad has streamlined all my mutual fund holdings. I am now assured of optimum returns and minimum stress. Thanks a lot for giving me financial peace of mind, finally!!

Ritu Khabia
Prasad@kyronfinserv helped me rebalance my mutual fund portfolio as per my life stage and fund requirements. Earlier my approach to investing was random and chaotic. I used to invest in any mutual fund that struck my fancy whenever I had some money lying around. Prasad has streamlined all my mutual fund holdings. I am now assured of optimum returns and minimum stress. Thanks a lot for giving me financial peace of mind, finally!!


Sandeep N.
Thanks to KyRon Finserv I know my financial health and goals much better than ever before. They have helped me with a structured plan and approach to achieving each of my financial goals. This has given me peace of mind and confidence in being on the right track of my financial well being.

Sandeep N.
Thanks to KyRon Finserv I know my financial health and goals much better than ever before. They have helped me with a structured plan and approach to achieving each of my financial goals. This has given me peace of mind and confidence in being on the right track of my financial well being.


Narendra G
Prasad and his tax expert team provided me with quick guidance and closure on a tax filing requirement in India. Being in the US and able to rely on them for all my tax compliance needs has been a very stress-relieving experience, thanks to their professionalism.

Narendra G
Prasad and his tax expert team provided me with quick guidance and closure on a tax filing requirement in India. Being in the US and able to rely on them for all my tax compliance needs has been a very stress-relieving experience, thanks to their professionalism.
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