M V Narayan, Director, NK Consultants has been working with Individuals and Corporates in the field of Consultancy and Financial Planning, since last 35 years.  

Our mission is to empower people to build long-term Recurring income for Business and Family. To this extent, we work on Business and Financial Requirements and curate Solutions.

Currently, specializing in a) Wealth Care

                                       b)  Risk Protection 

                                  c)   Compliances for ESG  and Digital Personal Data Protection (DPDP ) .     

                                  d) Alternate Investment Opportunities  

                                  e) Unclaimed Financial Instruments Retrieval Advisory

     We educate and facilitate Business Owners on the above subjects. We have a Teams of Lawyers, CAs, Advisors- Business / Finance, IT experts and Strategic Planners. 

We share knowledge about how Business Life Insurance can be applied, for:

* Funding for Business Growth

* Married Women's Property Act 1874

* Income Protection against Critical Illness.

* Life-long Guaranteed Tax-free Income

* Business Succession & Inheritance 

We work on Insurance Assets in both - Rs and $

Health Insurance- 

           a)  Mediclaim for Employees and family members

           b)  Income Protection against Critical Illness / Accident

Cyber and Commercial Crime Insurance- Frauds are rampant and it reduces at least 5% of revenues . Risks include Thefts, Embezzlement, Forgery, and cyber fraud like social engineering. Both the insurances shield against business, assets, reputation and bottom line against unexpected attacks.

While Corporate Insurance protects from Financial Losses due to frauds due to employees and external agents.

Cyber Insurance mitigates financial and reputational fallout of cyber incidents

Directors & Officers Liability Insurance  is basically to protect Directors and Officers against actions brought against them during professional work. Its a type of Insurance that provides Financial protection for them, in the event they are personally sued for alleged acts, while managing the company. 

Indians have a lot of instruments lying with the Govt. , but they lie unclaimed, for more than 7 years. In fact, it could be instruments invested by the previous generations ,which current generation may not be aware.

It is now possible to trace all unclaimed Shares, Mutual Funds, PFs, Deposits, Insurance through our Retrieval Advisory.

Share knowledge on Alternate Investments in Business Funding / Overseas Funds in Dollars

1. You can invest in Special Credit Opportunities Fund which is new market opening up. This fund is meant for companies where banks / NBFCs cannot give due to regulatory restrictions. Here, capital is protected and interest paid regularly. Approx returns around 25% per annum.

2. You can invest in Commercial Real Estate in USA, minimum $55,000 ( Rs 40 lakhs) . Primarily meant for people who want expand business in USA or cater to children's education.

3. We do Asset Structuring mainly for High Net Worth Individuals , through Life Insurance.. It involves arranging client's financial assets to maximise tax efficiency, ensure protection and foster growth.

4. You can invest in an Indian Start-up Ecosystem with a minimum of Rs 50 lakhs and look for returns 7-8 X times investments in 5 years. Please visit Marwari Catalysts

2 main issues have been a talking point , globally, including India. The first one is ESG  - Environment, Social and Governance Compliance. It states that in future Businesses have to follow certain standards, that shows

a) Nature Conservation

b) Consideration of People and Relationships

c) Standards for running a company

The 2nd issue relates to Data Personal Digital Protection Act 2023. It recognizes the rights of individuals to protect their personal data. We will have to process the personal data , for lawful purposes ,only. Penalities are huge.