K U Varghese, SEBI RIA , CFP

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Meet Your SEBI Registered Investment Advisor (RIA)
Koladi Ukkuru Varghese
SEBI Registered Investment Advisor 
CERTIFIED FINANCIAL PLANNER® 
With over 35 years of senior managerial experience and a distinguished academic background, I bring a wealth of expertise to your financial planning journey. As a SEBI Registered Investment Advisor (Registration Number INA XXXX) and holder of the prestigious CERTIFIED FINANCIAL PLANNER® designation from the Financial Planning Standards Board, I am committed to delivering excellence in every aspect of financial guidance.
My educational foundation includes an MBA from the esteemed Bradford School of Management, complemented by specialized qualifications in financial planning. Having spent 26 years as a non-resident Indian, I possess a unique global perspective that enriches my understanding of international financial landscapes, making me particularly well-suited to serve both resident Indians and NRIs investing in India.
Your Financial Future Awaits
Comprehensive Financial Planning, Delivered Personally
Making your financial future simple, secure, and achievable through expert guidance, personal attention, and unwavering commitment to your success.
Contact Details:
Koladi Ukkuru Varghese
SEBI Registered Investment Advisor
CERTIFIED FINANCIAL PLANNER®
Whether you're a resident Indian seeking comprehensive financial planning or an NRI looking to invest wisely in India, DhanPlans offers the expertise, experience, and personal service to guide you confidently towards your financial goals.
Schedule Your Consultation
Why Choose Us?
We believe that exceptional financial planning stems from genuine personal relationships and deep expertise. Our approach combines global best practices with Indian market knowledge to deliver truly transformative results.
SEBI Registered Expertise
Fully regulated and compliant with Indian financial standards, ensuring your investments are managed with the highest level of professional integrity and regulatory oversight.
Global Perspective
26 years of international experience provide invaluable insights into cross-border financial planning, particularly beneficial for NRIs and those with global investment interests.
Personal Service
Working with a select group of clients enables us to deliver genuinely personalized attention, understanding your unique circumstances and tailoring solutions accordingly.
Certified Excellence
CERTIFIED FINANCIAL PLANNER® designation represents the gold standard in financial planning, demonstrating commitment to ethical practice and comprehensive knowledge.
Services and Fees
Professional financial planning services tailored to your goals and circumstances.
Risk Profiling
Understand your risk tolerance
Align investments accordingly
Asset & Liability Review
Comprehensive analysis of assets
Review of liabilities
Current financial position assessment
Investment Advisory
Review of existing investment portfolio
Direct mutual fund recommendations
Tax-efficient investment strategies
Insurance Planning
Life insurance recommendations
Health insurance guidance
Comprehensive protection strategies
Long-term Planning
Retirement planning solutions
Higher education funding strategies
Future goal achievement roadmap
Estate Planning
Wealth transfer to future generations according to your wishes
Minimize complications and tax implications
Service Delivery & Timeline
Mode of Delivery
We conduct all sessions remotely through convenient audio and video calls, supplemented by email correspondence. This flexible approach ensures you receive expert guidance whilst maintaining your busy schedule.
Duration: Your comprehensive financial plan will be delivered within two weeks of engagement commencement.
Annual Consultation
Your engagement includes one full year of consultation services, during which you'll have ongoing access to professional guidance. We'll work together to implement your financial plan and adjust strategies as circumstances evolve.
Support: Continuous guidance throughout the year via scheduled reviews and ad-hoc consultations.
Investment & Engagement Process
01
Initial Decision
Once you decide to proceed with our services, you'll need to provide your Aadhaar and PAN details for KYC compliance as mandated by SEBI regulations.
02
Formal Agreement
A comprehensive letter of engagement detailing all terms and conditions will be sent to you via email for your review and signature.
03
Fee Payment
After returning the signed engagement letter, you'll be required to transfer the annual fee via bank transfer. Payment of 100% fees in advance is required.
04
Service Commencement
Your engagement begins immediately upon receipt of the full fee and remains valid for one complete year from the commencement date.
Fee Structure
Annual Fee: ₹25,000
Covers all services above with one full year of consultation. Payable in advance via bank transfer.
Retainer Fee: ₹15,000
Continue with annual retainer for ongoing plan reviews, updates, and professional guidance.
₹25,000
First Year
Complete financial planning package
₹15,000
Subsequent Years
Annual retainer for ongoing support
Service Exclusions
Important Notice: Services Not Included
Direct stock tips or recommendations: We focus on Mutual Funds and fixed income products rather than individual stock selection
Execution of financial plans: Implementation of transactions remains your responsibility or that of your chosen intermediaries
Tax return preparation: Whilst we provide tax-efficient investment advice, we do not calculate or file tax returns
Specialized Expertise for NRI Investors
Bridging Global Experience with Indian Opportunities
Having lived as a Non-Resident Indian (NRI) for 26 years, I possess unique insights into the challenges and opportunities facing NRIs who wish to invest in India. This personal experience, combined with professional expertise, enables me to navigate the complexities of cross-border financial planning with confidence.
Whether you're an NRI seeking to maintain connections with India through strategic investments, a returning resident needing to reorganize your financial affairs, or an Indian resident exploring international diversification, We offer the specialized knowledge and personal understanding required for success.
NRI Account Structuring
Expert guidance on regulatory compliance and optimal account setup
Repatriation Planning
Strategic foreign exchange considerations and fund transfer optimization
Tax Efficiency
Multi-jurisdictional tax planning to maximize returns
Rental Income Management
Comprehensive property investment and income strategies
Return to India Planning
Seamless transition planning for those coming back home
What Makes Us Different?
In a crowded marketplace of financial advisors, we stands apart through unwavering commitment to client success, transparent practices, and genuine personal service. Our difference lies not in promises, but in consistent delivery of exceptional results.
Truly Personal Attention
By intentionally working with a select group of clients, we ensure every individual receives the dedicated time and attention they deserve, never feeling like just another account number.
Clear Communication
Financial planning should be understandable, not overwhelming. We explain concepts in straightforward language, creating easy-to-follow plans that empower informed decision-making.
Ongoing Partnership
Your financial journey doesn't end after the initial plan. We provide continuous support, adapting strategies as your life circumstances change, celebrating successes and navigating challenges together.
Professional Credentials
SEBI Registered Investment Advisor (RIA)
CERTIFIED FINANCIAL PLANNER®
MBA, Bradford School of Management,UK
35+ Years Senior Managerial Experience
Our Commitment
Fiduciary responsibility to act in your best interests
Transparent fee structure with no hidden charges
I do not receive any commission from the products or services
Confidential and secure handling of information
Regular reviews and proactive communication
Begin Your Financial Planning Journey
Schedule Consultation
Begin with a no-obligation conversation to discuss your goals, concerns, and explore how we can help.
Book Appointment
Comprehensive Review
We'll conduct a thorough assessment of your current financial situation and future aspirations.
Receive Your Plan
A detailed, personalized financial plan delivered with clear explanations and actionable recommendations.
Achieve Your Goals
With ongoing support and guidance, watch your financial future unfold with confidence and clarity.
Limited Client Capacity: To maintain our commitment to exceptional personal service, DhanPlans works with a carefully limited number of families. This ensures each client receives the dedicated attention and customized planning they deserve. We invite you to begin the conversation today.
SEBI Investor Charter
  To facilitate investor awareness, SEBI has created an ‘Investor Charter’ pertaining to Investment Advisers,
A. Vision and Mission Statements for investors
Vision Invest with knowledge & safety.
Mission Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.
B. Details of business transacted by the Investment Adviser with respect to the investors
To enter into an agreement with the client providing all details including fee details, aspects of Conflict of interest disclosure and maintaining confidentiality of information.
To do a proper and unbiased risk – profiling and suitability assessment of the client.
To conduct audit annually.
To disclose the status of complaints on its website.
To disclose the name, proprietor name, type of registration, registration number, validity, complete address with telephone numbers and associated SEBI Office details (i.e. Head office/ regional/ local Office) on its website.
To employ only qualified and certified employees.
To deal with clients only from official number
To maintain records of interactions, with all clients including prospective clients (prior to onboarding), where any conversation related to advice has taken place.
To ensure that all advertisements are in adherence to the provisions of the Advertisement Code for Investment Advisers
Not to discriminate in terms of services provided, among clients opting for same/similar products/services offered by investment adviser.
C. Details of services provided to investors (No Indicative Timelines)
Onboarding of Clients
Sharing of agreement copy
Completing KYC of clients
Disclosure to Clients
To provide full disclosure about its business, affiliations, compensation in the agreement.
To not access client's accounts or holdings for offering advice.
To disclose the risk profile to the client.
To disclose any conflict of interest of the investment advisory activities with any other activities of the investment adviser.
To disclose the extent of use of Artificial Intelligence tools in providing investment advisory services.
To provide investment advice to the client based on the risk-profiling of the clients and suitability of the client.
To treat all advisory clients with honesty and integrity.
To make adequate disclosure to the investor of all material facts such as risks, obligations, costs, etc. relating to the products or securities advised by the adviser.
To provide clear guidance and adequate caution notice to clients when providing investment advice for dealing in complex and high-risk financial products/services.
To ensure confidentiality of information shared by clients unless such information is required to be provided in furtherance of discharging legal obligations or a client has provided specific consent to share such information.
To disclose the timelines for the various services provided by the investment adviser to clients and ensure adherence to the said timelines.
D. Details of grievance redressal mechanism and how to access it
Investor can lodge complaint/grievance against Investment Adviser in the following ways:
Mode of filing the complaint with investment adviser
In case of any grievance / complaint, an investor may approach the concerned Investment Adviser who shall strive to redress the grievance immediately, but not later than 21 days of the receipt of the grievance.
Mode of filing the complaint on SCORES or with Investment Adviser Administration and Supervisory Body (IAASB)
SCORES 2.0 (a web based centralized grievance redressal system of SEBI for facilitating effective grievance redressal in time-bound manner) (https://scores.sebi.gov.in)
Two level review for complaint/grievance against investment adviser:
First review done by designated body (IAASB)
Second review done by SEBI
ii. Email to designated email ID of IAASB
If the Investor is not satisfied with the resolution provided by the Market Participants, then the Investor has the option to file the complaint/ grievance on SMARTODR platform for its resolution through online conciliation or arbitration.
With regard to physical complaints, investors may send their complaints to:
Office of Investor Assistance and Education, Securities and Exchange Board of India, SEBI Bhavan, Plot No. C4-A, 'G' Block, Bandra-Kurla Complex, Bandra (E), Mumbai - 400 051
E. Rights of investors
Right to Privacy and Confidentiality
Right to Transparent Practices
Right to fair and Equitable Treatment
Right to Adequate Information
Right to Initial and Continuing Disclosure
Right to receive information about all the statutory and regulatory disclosures.
Right to Fair & True Advertisement
Right to Awareness about Service Parameters and Turnaround Times
Right to be informed of the timelines for each service
Right to be Heard and Satisfactory Grievance Redressal
Right to have timely redressal
Right to Suitability of the Financial Products
Right to Exit from Financial product or service in accordance with the terms of agreement with the investment adviser
Right to receive clear guidance and caution notice when dealing in Complex and High-Risk Financial Products and Services
Additional Rights to vulnerable consumers
Right to get access to services in a suitable manner even if differently abled
Right to provide feedback on the financial products and services used
Right against coercive, unfair, and one-sided clauses in financial agreements
F. Expectations from the investors (Responsibilities of investors)
• Do's
Always deal with SEBI registered Investment Advisers.
Ensure that the Investment Adviser has a valid registration certificate.
Check for SEBI registration number.
Please refer to the list of all SEBI registered Investment Advisers which is available on SEBI website in the following link: https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&inTmlId=13
Pay only advisory fees to your Investment Adviser. Make payments of advisory fees through banking channels only and maintain duly signed receipts mentioning the details of your payments.
You may make payment of advisory fees through Centralised Fee Collection Mechanism (CeFCoM) of IAASB if investment adviser has opted for the mechanism.
Always ask for your risk profiling before accepting investment advice. Insist that Investment Adviser provides advisory strictly on the basis of your risk profiling and take into account available investment alternatives.
Ask all relevant questions and clear your doubts with your Investment Adviser before acting on advice.
Assess the risk-return profile of the investment as well as the liquidity and safety aspects before making investments.
Insist on getting the terms and conditions in writing duly signed and stamped. Read these terms and conditions carefully particularly regarding advisory fees, advisory plans, category of recommendations etc. before dealing with any Investment Adviser.
Be vigilant in your transactions.
Approach the appropriate authorities for redressal of your doubts / grievances.
Inform SEBI about Investment Advisers offering assured or guaranteed returns.
Always be aware that you have the right to exit the service of an Investment Adviser
Always be aware that you have the right to seek clarifications and clear guidance on advice
Always be aware that you have the right to provide feedback to the Investment Adviser in respect of services received.
Always be aware that you will not be bound by any clause, prescribed by the investment adviser, which is contravening any regulatory provisions.
• Don'ts
Don't fall for stock tips offered under the pretext of investment advice.
Do not provide funds for investment to the Investment Adviser.
Don't fall for the promise of indicative or exorbitant or assured returns by the Investment Advisers. Don't let greed overcome rational investment decisions.
Don't fall prey to luring advertisements or market rumors.
Avoid doing transactions only on the basis of phone calls or messages from any Investment adviser or its representatives.
Don't take decisions just because of repeated messages and calls by Investment Advisers.
Do not fall prey to limited period discount or other incentive, gifts, etc. offered by Investment advisers.
Don't rush into making investments that do not match your risk taking appetite and investment goals.
Do not share login credential and password of your trading, demat or bank accounts with the Investment Adviser.
COMPLAINTS DATA 
Data for the month ending: 31 DEC 2025
Number of complaints received during month against the IA due to impersonation by some other entity: _______
Note: In case of any complaints received against the IA due to impersonation of the IA by some other entity, the IA may adjust the number of such complaints from total number of received/resolved complaints while preparing the above table. Further, IA must close such impersonation related complaints after following the due process as specified by SEBI/IAASB.
* Inclusive of complaints of previous months resolved in the current month.
# Inclusive of complaints pending as on the last day of the month
^ Average Resolution time is the sum total of time taken to resolve each complaint in days, in the current month divided by total number of complaints resolved in the current month.
TREND OF COMPLAINTS DISPOSAL
Trend of monthly disposal of complaints
* Inclusive of complaints of previous months resolved in the current month.
# Inclusive of complaints pending as on the last day of the month
Trend of annual disposal of complaints
* Inclusive of complaints of previous years resolved in the current year.
# Inclusive of complaints pending as on the last day of the year
SEBI Investor Charter - PDF File
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DISCLAIMERS
Registration granted by SEBI, membership of  BASL, and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors".
Investment in securities market are subject to market risks. Read all the related documents carefully before investing
No Guaranteed Returns: RIAs must explicitly state they do not guarantee returns, accuracy, or risk-free investments. Assured/guaranteed/fixed return schemes are prohibited by law.