Terms & Conditions

1. About Us

  • Keval Nivesh Intermediaries LLP is a Mutual Fund Distributor (ARN–1146276).
  • Mr. Bizesh Kottarrapat and Mr. Dhruv Khule are licensed Insurance Agents.
  • We do not provide investment advice and are not SEBI-registered Investment Advisers (RIA).
  • We do not charge advisory fees.

We facilitate transactions in Mutual Funds, Insurance, FDs, and Loans but do not underwrite policies or guarantee returns.

2. Eligibility

You must be at least 18 years old and legally competent to use this website and engage in financial transactions.

3. Website Use

You agree not to:

  • Use the site for unlawful purposes.
  • Copy, redistribute, or commercialise website content without permission.
  • Attempt to disrupt or damage the website or its servers.
  • Upload harmful software or malicious code.

4. Content Disclaimer

  • Information on this website is for general awareness only.
  • We are not providing investment advice.
  • Past performance does not guarantee future results.
  • Users should read all scheme documents, policy wordings, and product terms carefully before investing.

5. Liability Limitation

  • We are not liable for financial loss, errors, interruptions, or decisions based on website content.
  • We are not responsible for third-party websites, services, or links.

7. Data Sharing & Privacy

We collect and use personal data as outlined in our Privacy Policy. Data sharing is limited to necessary parties: AMCs, RTAs, insurers, banks/NBFCs, service providers, and regulators.

8. Updates & Revision History

  • We may modify these Terms & Conditions at any time.
  • Updated versions will be effective immediately upon posting.
  • Last Updated: 02 December 2025

9. Contact Information

For queries or concerns regarding Privacy Policy, Terms & Conditions, or your personal data:

Email: salessupport@kevalniveshv.com

K E V A L N I V E S H

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    Our story begins where your financial clarity begins.

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    Who We Are

    Founded by Bizesh Kottarrapat and Dhruv Khule, Keval Nivesh was born from one belief that financial relationships should be built on care, not commissions.

    We are not advisors. We are distributors who understand that numbers are only half the story. We combine certified financial knowledge with human understanding, guiding you toward decisions that bring both growth and confidence.

    Between us, we bring over five decades of experience across mutual fund companies and leading financial institutions. We’ve witnessed market highs, corrections, and transformations and through it all, one truth stands out longterm wealth is built with trust, discipline and patience.

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    Our Strengths

    Individual Financial Analysis

    We understand your complete financial picture before recommending anything.

    Integrity & Transparency

    We always explain the why behind every suggestion.

    Deep Product Knowledge

    Decades of working directly with Mutual Funds, Insurance, and Fixed Income products.

    Goal-Based Approach

    Every rupee distributed works toward a defined financial purpose.

    What We Do

    At Keval Nivesh, we distribute financial products that align with your life goals — through a carefully structured, transparent, and client-first approach.
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    Conversation before Commitment

    We believe in conversations before commitments,understanding your income, family responsibilities, aspirations and timelines before distributing a single product.

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    Financial Understanding

    Our recommendations come only after a complete financial understanding because we see ourselves as partners in your financial journey, not just distributors.

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    Why Choose Us

    You need someone at with strategic support.

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    Our Mission

    To deliver superior distribution solutions with professionalism and integrity always focused on helping clients achieve their financial goals with clarity and discipline.

    Our Vision

    To be one of the most trusted and ethical customer-centric financial distribution firms in India.

    Core Values

    • Innovation
    • Integrity
    • Technological Edge
    • Client-First, Always

    Our Commitment

    Keval Nivesh is dedicated to enhancing financial awareness in society. We simplify finance for everyday investors, ensuring people understand what they invest in not just where.