Plan. Invest. Grow.
Strategic Financial Planning for Businesses, HNIs & Families
Arth Niti Consultee is a financial planning and advisory firm in Pune. We help you plan with structure, protect what you have built, and grow it steadily — with clear assumptions and complete confidentiality.
100% Confidential Consultation · Pune, Maharashtra
Who we serve
Financial planning built around who you are
Different situations require different planning. We work with four client groups and adapt the process to each.
Business Owners
Structure cash flow, working capital, reserves and debt so the business funds growth instead of straining under it.
ExploreHNIs
Consolidate complex holdings into one plan covering allocation, liquidity, protection and succession.
ExploreIndividuals & Families
Coordinate goals, retirement, education and protection into a single household plan you can sustain.
ExploreProperty Owners
Measure yield, cash flow and concentration so property decisions are made on numbers, not assumptions.
ExploreMain solutions
Six areas where structure changes outcomes
Each solution combines assessment, planning and review — with the relevant calculators built in.
Business Financial Solutions
Structure the financial side of your business — cash flow, working capital, reserves and funding.
View solutionHNI Wealth Planning
Consolidate complex holdings into one plan covering allocation, liquidity, protection and succession.
View solutionFamily Financial Planning
One coordinated household plan covering goals, retirement, education and financial health.
View solutionProperty Owner Solutions
Measure what your property actually returns and how it fits within your overall financial plan.
View solutionInvestment Planning
Goal-linked investing with a written allocation framework and a disciplined review cycle.
View solutionRisk & Protection
Quantify protection needs across life, health, liabilities and business continuity.
View solutionWhy Arth Niti Consultee
Serious planning, plainly explained
We do not present projections as promises. What we offer is structure, clarity and consistency over time.
Structured planning
Every engagement follows the same discipline: assess, plan, structure, review. Nothing is left to memory or intuition.
Practical financial thinking
We work with the numbers you actually have — statements, cycles, EMIs and commitments — not idealised assumptions.
Confidentiality by default
Business and family information is handled discreetly and used only to prepare your plan.
Business and family together
For owner-managed businesses, personal and business finances are inseparable. We plan them side by side.
Long-term orientation
Plans are built to be reviewed and maintained over years, not to solve a single transaction.
Clear about limits
We state assumptions openly, avoid guaranteed-return language and coordinate with your CA and legal advisors.
Signature diagnostic
The Arth Niti Financial Health Check
Before recommending anything, we measure. The health check scores liquidity, debt, savings, protection and goal funding, then explains what to address first.
- Liquidity and emergency cover
- Debt load and service capacity
- Savings rate and goal funding
- Protection adequacy
- Written summary with prioritised actions
Sample dashboard
72/100
Illustrative example. Your own score is generated from the figures you enter and is indicative only.
Planning tools
Featured calculators
Useful results before you share any contact details. Every tool states its assumptions.
Business
Business Financial Health Calculator
An indicative health score across liquidity, debt, cash flow and working capital.
Open calculatorFamily
Family Protection Gap Calculator
Quantify the life cover shortfall against income replacement, liabilities and goals.
Open calculatorFamily
Retirement Readiness Calculator
Estimate the corpus your retirement lifestyle requires and the shortfall today.
Open calculatorWealth
Net Worth Calculator
A consolidated statement of what you own against what you owe.
Open calculatorInvestment
SIP Calculator
Illustrative growth of a monthly investment over time.
Open calculatorProperty
Property Rental Yield Calculator
Compute gross and net rental yield after real holding costs.
Open calculatorHow it works
Assess → Plan → Structure → Review
Assess
We gather your financial position — income, assets, liabilities, cycles and commitments — and establish an honest baseline.
Plan
Goals are defined, quantified and prioritised with stated assumptions for inflation, horizon and return.
Structure
Liquidity, protection, allocation and repayment are arranged so the plan can actually be executed.
Review
Progress is measured against the plan on a defined cadence, and adjusted as circumstances change.
Services
Where most engagements begin
Thirty-one focused services across business, wealth, family, property, investment and protection planning.
Corporate Financial Planning
A structured financial framework for your company covering profitability, liquidity, funding and reinvestment priorities.
HNI Wealth Planning
Long-horizon wealth strategy covering allocation, preservation and intergenerational transfer.
Retirement Planning
Estimate the corpus your retirement lifestyle requires and the contribution path to reach it.
Family Protection Planning
Ensure income, liabilities and goals remain covered if the earning member is unavailable.
Property Cash Flow Planning
Know whether each property adds to or draws from your monthly cash position.
Financial Health Check
Our signature diagnostic: an indicative score across liquidity, debt, protection, savings and goals.
Confidentiality is part of the service
Every discussion with Arth Niti Consultee is treated as a 100% Confidential Consultation. Financial statements, family details and business information shared with us are used only to prepare your plan.
We do not share client information with third parties for marketing, and we do not discuss client situations outside the engagement.
Insights & resources
Educational reading, not market commentary
Business Planning
Why Profitable Businesses Still Run Out of Cash
Profit is an accounting outcome. Cash is a timing outcome. Understanding the gap between them is the single most useful financial skill for an owner.
6 min readProtection
How Much Life Cover Does a Family Actually Need?
Cover is often chosen by premium affordability. A short calculation usually produces a very different, and far more useful, number.
5 min readProperty
Measuring the Real Return on Rental Property
Gross yield flatters. Net yield, after tax, maintenance and vacancy, is the number that allows a fair comparison with other assets.
6 min read