Risk Profiling
- Understand your risk tolerance
- Align investments accordingly
K U Varghese - Fee-Only SEBI Registered Investment Advisor (RIA) and CFP
K U Varghese
SEBI Registered Investment Advisor INA000021650
CERTIFIED FINANCIAL PLANNER®
With over 35 years of senior managerial experience, I bring a wealth of knowledge to your financial planning journey. As a SEBI Registered Investment Advisor (Registration Number INA000021650) and holder of 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 Bradford School of Management, complemented by specialised 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.
SEBI REGISTRATION DETAILS
Registration Details
Name: KOLADI UKKURU VARGHESE
Registration No.: INA000021650
Type of Registration: Individual
BSE Enlistment No.: 2407
Contact Information
E-mail: kuvarghese[at]gmail[dot]com
Telephone: +91 8606590287
Address: 2B Kalyan Habitat, Puthur Road, Chelakottukara, THRISSUR, KERALA, 680006
Contact Person: KOLADI VARGHESE
Correspondence Address: 2B Kalyan Habitat, Puthur Road, Chelakottukara, THRISSUR, KERALA, 680006
Validity
Validity: Dec 30, 2025 - Perpetual
DISCLAIMERS
- Registration granted by SEBI, enlistment as IA with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
- The securities quoted, if any are for illustration only and are not recommendatory.
- Investments in securities market are subject to market risks. Read all the related documents carefully before investing.
Services and Fees
Professional financial planning services tailored to your goals and circumstances.
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
I will conduct all sessions remotely through convenient audio and video calls, supplemented by email correspondence. This flexible approach ensures you receive 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. I will 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
-
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.
-
Formal Agreement
A comprehensive letter of engagement detailing all terms and conditions will be sent to you via email for your review and signature.
-
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.
-
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: I 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 I will provide tax-efficient investment advice, I do not calculate or file tax returns
Bridging Global Experience with Indian Opportunities for NRI Investors
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 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, I offer the specialized knowledge and personal understanding required for success.
NRI Account Structuring
Guidance on regulatory compliance and optimal account setup
Repatriation Planning
Strategic foreign exchange considerations and fund transfer optimization
Return to India Planning
Seamless transition planning for those coming back home
Contact Me
Address
2B Kalyan Habitat, Puthur Road, Chelakottukara
THRISSUR, KERALA, 680006
Phone
kuvarghese[at]gmail[dot]com
Privacy Policy
Welcome to kuvarghese.in. We understand and respect your privacy, and we are committed to protecting it. In order to provide transparency and clarity on how we collect and use your information, we have created this notice which outlines our online information practices and your options for providing and managing that information.
We collect certain information from you when you provide it to us through our website or social media. Our aim in gathering this information is to improve our services to you. We take great care to maintain the accuracy and security of this information.
Protecting your privacy and data is extremely important to us. We take measures to ensure the security and confidentiality of any information shared with us. We will only use personally identifiable information for the purposes to which you have consented. However, we cannot guarantee the security of your information 100%, despite our efforts to protect it. Any information you transmit to us through our online services is done at your own risk.
Please note that you may receive calls related to service promotions, contests, and pools organized by us. Your information, whether public or private, will be held with us only. However, it may be transferred or given to our regulatory authorities and their related organizations, as well as any organizations or individuals with whom we have an interest for any reason, without your consent.
In addition of the services we provide to you, we may also use your personal information such as your mobile number and email address to send you newsletters, surveys, contest information, or updates on any new services that we believe may be beneficial to you. By subscribing to our services, you agree to allow Koladi Ukkuru Varghese to use your personal information for these purposes.
By submitting the 'Inquiry form' on this website or through any other means, including social media, you are providing your consent to allow us to contact you via phone call, SMS, or WhatsApp on the number provided by you. Even if your mobile number is registered on the National 'Do Not Disturb' registry, you agree to receive communication from us. We appreciate your trust in us and assure you that we will always respect your privacy.
Disclosure
- I am a SEBI Registered Investment Adviser having registration number - INA000021650.
- I am not affiliated with any other intermediaries, nor do receive any brokerage or commission from any third party.
- No penalties/directions have been issued by the SEBI under the SEBI Act or any other regulatory body.
- I do not recommend any stock broker or other intermediary to a client. Nor do I receive any consideration by way of remuneration or compensation or in any other form whatsoever from stock broker or other intermediary.
- Investments in debt instruments are subject to reinvestment risks as interest rates prevailing on interest amount or maturity due dates may differ from the original coupon of the bond, which might result in the proceeds being invested at a lower rate.
- If client wants opinion in the specific positions made by him only, I will be able to suggest appropriate view on the securities. Such suggestion/view under any circumstances shall be considered as an opinion (not advice) from our side and I advise client to consider our opinion and not consultancy to make his/her final decision. I will not be liable for any losses whatsoever client may incur in accepting this opinion.
- Koladi Ukkuru Varghese and employees might have positions or might have recommended to clients which might be in-line with the recommendations made here. Koladi Ukkuru Varghese, its associates or their family members may or may not trade or may have investments in the same recommendations.
- The names of the products/nature of investments do not in any manner indicate their prospects or returns. The performance in the equity products may be adversely affected by the performance of individual companies, changes in the market place and industry specific and macro-economic factors.
- I do not have any association in any manner with any issuer of products/ securities; this ensures that there are no actual or potential conflicts of interest. This also ensures that objectivity or independence in the carrying on of investment advisory services is not compromised.
- Investment in market is subject to market risk, though best attempts are made for predicting markets, but no surety of return or accuracy of any kind is guaranteed.
- I do not guarantee any profit/return.
- The performance of the investments/products may be affected by changes in Government policies, general levels of interest rates and risks associated with trading volumes, liquidity and settlement systems in equity and debt markets.
- I do not provide any profit/loss sharing services, guaranteed profit services, Demat services.
Disclaimers
- Registration granted by SEBI, enlistment as IA with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
- The securities quoted, if any are for illustration only and are not recommendatory.
- Investments in securities market are subject to market risks. Read all the related documents carefully before investing.
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: SEBI registered Investment Advisers
- 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.
Complaint Data to be displayed by IAs
Trend of monthly disposal of complaints
Trend of annual disposal of complaints
Grievance Redressal / Escalation Matrix
If you have a grievance, you can reach out to our Support Team for assistance.