HAJARIWALA ASSOCIATES

One Of The Most Trusted Financial Advisor

Turning Dreams into Reality with Financial Discipline

Mutual funds & SIP advisory, insurance and tax planning — guided by 25+ years of experience.

Partnership · Trust · Service

25+ yrsadvising investors

₹38 Cr+total SIP managed

1:1advisor for every client

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The power of showing up

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₹8,000 a month at 12% a year. Illustrative.

Year0

Value₹0

Invested ₹0 · Growth ₹0

InvestedGrowth

This is the same kind of SIP growth chart our advisors walk clients through in person, month by month.

Industry reach

Trusted in the tax market. Welcomed at the fund summit.

Moments with the people who run the funds.

Two men standing together at the 2025 Fund Summit — **Bajaj Fund Manager**at 2025 Fund Summit

Two men smiling together at the 2025 Fund Summit — **Bajaj Fund Manager**at 2025 Fund Summit

At a glance

Everything we do, in three lines each.

Tap any card to open its page.

Why SIP

Show up monthly. Let time do the rest.

Buy every month, not on a mood.Rupee-cost averaging smooths the swings.Compounding does the rest, given years.

Calculators

Know your number before you begin.

Live SIP and CAGR calculators.Drag the sliders — or the graph itself.Every figure and curve updates instantly.

Funds

Four ways to hold a fund.

Equity, debt, hybrid and index funds.Same SIP mechanics, different risk underneath.We match the category to your horizon.

Insurance

Cover the risk before it becomes the crisis.

Life cover through LIC, backed by the Government of India.Medical cover through New India Assurance.Plus motor, home, accident and travel.

How it works

Four steps. We walk with you.

Complete KYC once, carry it everywhere.Meet your advisor, set the date and amount.Review twice a year — never a sales call.

About the founder

A tax consultant who plans early.

Founded by a master tax consultant of 25+ years.Plan early, act on facts, skip the jargon.Saving tax and building wealth are one discipline.

Book a Consultation

Come and speak with an advisor.

F-41, Gaurav Path Shopping Centre, beside the New Mandvi Nagarpalika, in front of Cinema, Mandvi, Dist. Surathajariwalaassociates9@gmail.comMonday–Saturday, 10:00 AM – 6:30 PM IST

Behind the SIP

How a consultation actually goes.

Three moments from a typical first meeting.

1. Opening the numbers.
Your advisor starts with your real monthly amount and an honest growth projection — not a generic brochure.

2. Comparing fund options.
You'll see how different mutual funds have actually compounded over time, so the choice rests on numbers, not a hunch.

3. Confirming your SIP.
Once you're comfortable, KYC and paperwork are completed on the spot — no separate visit needed.

Client reviews

What clients say, after the SIP is actually running.

4.9from clients across Surat & Gujarat

Rakesh Patel

Surat

“Started a SIP with Hajariwala Associates three years ago on their advice — ₹5,000 a month, nothing fancy. Seeing the actual number today, I wish I'd started five years earlier like they told me to.”

Priya Sharma

Mandvi, Surat

“What I liked most is nobody pushed a product on me. They asked about my daughter's education first, then suggested a plan around that. Still the same advisor, three years on.”

Anil Kumar Mehta

Surat

“Switched my LIC policy review to them and they actually explained the maturity numbers instead of just collecting the premium. First time an agent has done that for me.”

Sunita Rao

Vadodara

“My husband and I sat down for a tax planning session expecting the usual jargon. Left with a plan we actually understood, and money saved that year itself.”

Vikram Desai

Mandvi

“Health insurance through New India Assurance was sorted in one visit — cashless card and everything explained before I needed to use it, not after.”

Kavita Joshi

Surat

“Called them in a panic when a fund I held started falling. They didn't tell me what I wanted to hear, they told me what the data said. That's why I still trust them.”

Rajesh Iyer

Ahmedabad

“25 years in the tax business shows. Mr. Hajariwala found a deduction my previous CA never mentioned in six years of filing.”

Meena Agarwal

Surat

“Started with ₹2,000 a month because that's all I could spare then. They never once made me feel like a small client.”

Suresh Nair

Mandvi, Surat

“The SIP calculator on their site matched almost exactly what my advisor had shown me on paper. Good to see a firm that doesn't oversell the numbers.”

Deepa Chauhan

Surat

“Family floater health policy for four of us, explained in one sitting with no pressure to decide that day. We came back a week later and signed anyway.”

The best time to start a SIP was last year. The next best time is a short call away.

A short conversation is how every client here started.

Why SIP

Why the monthly amount matters more than the market mood.

Three reasons a SIP tends to outrun a lump sum decided on a whim.

This is the comparison graph we draw for every client: a steady SIP line against the jagged line of guessing.

Rupee-cost averaging

Buying every month means you buy some units when prices are high and more when they're low — the average cost settles below the market's noisy swings.

The price graph we use to show this, live.

Compounding needs years, not timing

Returns earn returns. A SIP started five years earlier usually beats a larger one started later, even at the same monthly amount.

The same CAGR curve as our calculator.

It removes the decision

The debit happens automatically on a fixed date, so the investment doesn't compete with a mood, a headline, or a "wait and see."

Setting the auto-debit date together.

Talking through what these industry numbers mean for your own plan.

2.1 Cr+active SIP accounts across India, as of 2025

₹23,000 Cr+flowing into SIPs every month, industry-wide

13 yearsaverage holding period of our long-term clients

See what your own monthly amount becomes.

Calculators

Work out your own number.

Move the sliders — or drag the graph itself. Standard maths; your advisor refines it against a real fund's history.

Setting up exactly this plan, together, before it goes anywhere near an app.

SIP Calculator

What a monthly SIP becomes.

Monthly investment ₹8,000

Investment period 15 years

Expected annual return 12%

You invest, total—

Wealth gained—

Maturity value—

The exact maturity chart above, being explained the way we explain it in the office.

Lump Sum Calculator

What a one-time investment becomes.

Lump sum amount ₹1,00,000

Investment period 10 years

Expected annual return 12%

You invest, one time—

Wealth gained—

Maturity value—

Maturity value at current settings

—

Touch or hover the graph to read any year

Compound Growth Explorer

Compound Annual Growth Rate — CAGR

The single steady annual rate that carries an investment from where it started to where it ended.

Initial investment ₹1,00,000

Final value ₹2,50,000

Number of years 5 years

Total growth—

Growth multiple—

Doubles every—

CAGR—

This CAGR curve, on a whiteboard — the graph below is the same one, made interactive.

Value over time at

—

Touch or hover to read any year · drag the yellow handles to change the values

Fund categories

Four ways to hold a fund.

Same SIP mechanics, different risk sitting underneath. We match the category to your horizon, not the other way round.

The risk-versus-horizon graph we sketch out for every client, before naming a single fund.

Equity

Company shares. Moves with the market, meant for growth over the long run.

How we introduce an equity fund chart.

Risk

Typical horizon7+ years

Debt

Government and corporate bonds. Steadier, lower ceiling on returns.

Debt funds, explained without the jargon.

Risk

Typical horizon1–3 years

Hybrid

A mix of equity and debt in one fund, rebalanced for you.

The hybrid split, shown as a simple pie.

Risk

Typical horizon3–5 years

Index

Tracks a market index like the Nifty 50 exactly, at a lower fee.

Tracking the Nifty 50, on screen.

Risk

Typical horizon7+ years

Not sure which one fits your horizon?

Insurance advisory

Cover the risk before it becomes the crisis.

A SIP builds wealth over years. One uninsured hospitalisation or an untimely death can undo it in an afternoon. Insurance first, growth second — on purpose.

Life and health cover, explained side by side — the two we always lead with.

Life insurance

LIC

Life Insurance Corporation of India · Est. 1956

LIC is wholly owned by the Government of India, which means every policy carries a sovereign guarantee behind it — not a marketing promise, an actual Act of Parliament. It remains India's largest life insurer by a wide margin, with a claims record built over nearly seven decades and a branch network that reaches towns most private insurers don't bother opening in. For a client's core life cover — the amount that protects a family's income if something happens to the earner — we default to LIC first: term plans for pure, low-cost protection; endowment and money-back plans for those who want guaranteed maturity value alongside the cover; and pension or annuity plans for retirement income. The philosophy is simple: insure with the institution that cannot fail quietly, then invest for growth separately through SIPs. The two jobs shouldn't be done by the same product.

Handing over an LIC policy document.

Medical insurance

New India Assurance

The New India Assurance Co. Ltd · Est. 1919 · Government of India

New India Assurance is one of the oldest general insurers in the country and majority-owned by the Government of India, which is precisely why we lean on it for medical cover: a claim shouldn't come down to whether a private insurer had a good underwriting year. It offers individual health policies, family floater plans that cover a whole household under one sum insured, and senior citizen plans that are harder to find elsewhere at a fair premium. Its cashless hospitalisation network spans thousands of hospitals nationwide, so treatment doesn't start with a client paying out of pocket and hoping for reimbursement later. With hospital costs rising faster than most incomes, we treat health cover as the policy that protects every other financial goal — including the SIP a client has spent years building.

Walking a senior client through cashless health cover.

Also covered

Also covered, on request.

Life and health are the two we lead with. The rest, we place as your situation calls for it.

Motor

Vehicle insurance

Third-party and comprehensive cover for two-wheelers, cars, and commercial vehicles.

A quick word on motor cover.

Home

Property & fire

Structure and contents cover against fire, theft, and natural calamity.

Protecting the house, not just its contents.

Personal accident

Income replacement and disability cover for the earning member of a family.

Income cover if you’re unable to work.

Travel

Travel insurance

Medical and trip cover for domestic and international travel.

Sorted before the trip, not during it.

Let's check your cover before you need it.

How it works

Setting one up takes four steps.

Our team handles most of this alongside you — not a form you fill out alone.

Walking through the four-step checklist, in person.

Complete KYC

PAN and Aadhaar, verified once. It carries across every fund you buy later.

KYC, done together.

Meet your advisor

A short conversation about your goals, horizon, and how much risk sits comfortably.

Talking through your goals.

Set the date and amount

Choose a debit date that lines up with your salary or business cash flow.

Picking the date and amount.

Review, twice a year

We check in with a plain-language statement — not a sales call in disguise.

Reading the statement in plain words.

Start with a conversation.

About the founder

25+ Years in Tax & Wealth Advisory

A tax consultant's real job is peace of mind, not just a return filed.

Planned tax, versus the cost of leaving it too late.

For twenty-five years, Mr. Hajariwala has approached tax planning the way a craftsman approaches a difficult joint — with all the measuring done before the first cut, and no room left for guesswork once the work begins. Filing a return on time is the easy, visible part of the job. Reading a family's or a business's finances closely enough to know which decision saves them real money, and which one merely feels safe on paper, is the harder discipline he has spent a career sharpening.

His philosophy is simple, and he says it to every new client in some form: a consultant who only appears at year-end, return in hand, isn't really advising — he's translating, after the fact. Genuine value is created earlier, when a business decision, an investment, or a family transfer can still be shaped, not after it has already hardened into an unchangeable line in a filed document. Mastery in this field isn't knowing more sections of the Income Tax Act than the next person; it's knowing which one matters for the person sitting across the table, and saying so plainly, without the jargon that firms often hide behind.

“Compliance keeps you out of trouble. Planning is what actually builds something.”

Planning early, with the facts on the table — for a SIP, a policy, or a return.

That same instinct is why Hajariwala Associates never stayed a pure tax practice. He sees no real line between saving a client tax and building their wealth — a well-placed SIP, an honestly recommended insurance policy, and a correctly filed return are, to him, just three expressions of the same underlying discipline: plan early, act on facts, and never let a client discover a gap in their finances at the worst possible moment. It's a quieter kind of expertise than the industry usually markets, and it's the only kind he has ever been interested in practising.

Meet the founder.

Book a Consultation

Speak with an advisor.

Tell us a little about what you're planning for, and we'll get back within one business day.

Come say hello at our Mandvi, Surat office.

OfficeF-41, Gaurav Path Shopping Centre, beside the New Mandvi Nagarpalika, in front of Cinema, Mandvi, Dist. Surat
Emailhajariwalaassociates9@gmail.com
HoursMonday–Saturday, 10:00 AM – 6:30 PM IST

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Turning Dreams into Reality with Financial Discipline

Keep scrolling.Watch it grow.

Trusted in the tax market. Welcomed at the fund summit.

Everything we do, in three lines each.

Show up monthly. Let time do the rest.

Know your number before you begin.

Four ways to hold a fund.

Cover the risk before it becomes the crisis.

Four steps. We walk with you.

A tax consultant who plans early.

Come and speak with an advisor.

How a consultation actually goes.

What clients say, after the SIP is actually running.

The best time to start a SIP was last year. The next best time is a short call away.

Why the monthly amount matters more than the market mood.

Rupee-cost averaging

Compounding needs years, not timing

It removes the decision

See what your own monthly amount becomes.

Work out your own number.

What a monthly SIP becomes.

What a one-time investment becomes.

Compound Annual Growth Rate — CAGR

Four ways to hold a fund.

Equity

Debt

Hybrid

Index

Not sure which one fits your horizon?

Cover the risk before it becomes the crisis.

LIC

New India Assurance

Also covered, on request.

Vehicle insurance

Property & fire

Personal accident

Travel insurance

Let's check your cover before you need it.

Setting one up takes four steps.

Complete KYC

Meet your advisor

Set the date and amount

Review, twice a year

Start with a conversation.

A tax consultant's real job is peace of mind, not just a return filed.

Meet the founder.

Speak with an advisor.

Scan to open our office in Google Maps

See your investments, anytime.

Welcome back

Your investments

Your insurance policies

Keep scrolling.
Watch it grow.