Wait — Before You Go!

Get a FREE Portfolio Health Check — we'll tell you exactly where you stand financially in 24 hours.

🎯 Get My Free Portfolio Review

🔒 100% confidential. No spam. We'll call you within 24 hours.

📰 FINANCIAL NEWS
About Services 📊 Live Markets 💼 Advisory Plans 🧮 Calculators 🏪 Marketplace Knowledge Hub FAQ Contact 🔐 Client Login ✨ Sign Up Free 📅 Book Session — ₹1,499
INDIA'S PHYGITAL WEALTH MANAGEMENT FIRM

Building Wealth with
Intelligence & Integrity

Combining 25+ years of capital market expertise with modern digital tools — helping you grow, protect, and manage your wealth with complete clarity and trust.

₹250Cr+
Assets Under Advisory
₹500Cr+
Investments Facilitated
92%
Client Retention Rate
500+
Families Served
LIVE MARKET DATA

Live Markets Dashboard

Real-time indices, forex, commodities, crypto & economic indicators

Repo Rate
6.25%
▼ Cut Feb 2026
RBI MPC
US Fed Rate
4.25%
— Unchanged
FOMC Mar 2026
India CPI
4.26%
▼ Easing
Jan 2026
India 10Y G-Sec
6.68%
▼ -0.12%
Live
Forex Reserves
$630B
▲ Recovering
Mar 2026
MF AUM India
₹67L Cr
▲ Record High
Feb 2026
SIP Monthly
₹26.4K Cr
▲ All-time High
Jan 2026
India GDP FY25
6.4%
▼ vs 8.2% FY24
CSO Estimate
📊 Open Full Markets Dashboard → 📅 Book Advisory Session
Who We Are

The Integrato Difference —
Phygital Wealth Management

Where 25+ years of capital market expertise meets modern technology

Financial Advisory Office India
25+
Years Capital Market Experience

Sanjeev Kumar Sharma — Founder & CEO

25+ years in capital markets. Former leadership roles in financial services. Expert in portfolio strategy, wealth advisory, and capital market research. Multi-certified by NISM across mutual funds, derivatives, equity, commodities, and securities operations.

Trusted by 500+ families, entrepreneurs, and professionals across India through a phygital model — blending in-person advisory depth with digital tool convenience.

✅ NISM Certified ✅ AMFI Registered MFD ✅ IRDAI Licensed ✅ SEBI Compliant
🔬

Research-Driven

Every recommendation backed by fundamental, technical & macro analysis

🎯

Personalised Plans

No cookie-cutter solutions. Tailored to your goals and life stage

🔒

Transparent & Ethical

Full fee transparency. Client interest always first

🌐

Phygital Convenience

In-person depth + digital tools for seamless access

What We Offer

Comprehensive Financial Services
Under One Roof

From wealth creation to protection — every financial need served through one trusted relationship

Financial Services India
📈

Equity Broking

Research-backed stock recommendations for delivery, intraday, and long-term wealth creation in Indian equity markets.

DeliveryIntradayStock Research
💼

Mutual Fund Advisory

Goal-based investing through regular plans with SIP planning, portfolio construction, and asset allocation strategies.

Regular PlansSIP PlanningGoal-Based
🏠

Financial Planning

Comprehensive life-stage planning covering retirement, child education, marriage, tax planning, and debt management.

RetirementEducationTax Planning
📊

Portfolio Advisory

Customised portfolio construction with thorough risk profiling, asset allocation, and ongoing performance monitoring.

Risk ProfilingRebalancingMonitoring
🛡️

Insurance Solutions

Holistic life insurance advisory — protection planning, ULIPs, and risk management to safeguard your family's future.

Life InsuranceULIPsRisk Cover
🔭

Capital Market Advisory

Deep market insights with macro-economic analysis, geopolitical assessment, and proprietary equity research.

Macro AnalysisEquity ResearchInsights
Investment Universe

Explore the Investment Marketplace

Every investment product in India mapped by risk, return, and time horizon

◀ LOWEST RISKRISK — RETURN SPECTRUMHIGHEST RISK ▶
🛡️
Lowest Risk

Liquid & Debt Funds

5–8%
p.a. expected
FDs · Liquid Funds · Short-term Debt
⚖️
Low-Medium Risk

Gold & REITs

7–10%
p.a. expected
Gold ETF · SGB · REITs · InvITs
📊
Medium Risk

Hybrid Funds

8–12%
p.a. expected
Balanced · Multi-Asset · Hybrid
🔥
High Risk

Equity Funds

10–18%
p.a. expected
Large Cap · Flexi · Mid · Small Cap
Highest Risk

PMS & AIF

15–20%
p.a. expected
Portfolio Management · Alt. Inv.
🏪 Explore Full Investment Marketplace →
Free Financial Tools

Powerful Financial Calculators

Plan smarter. Every calculator is free, instant, and personalised. Explore all 50+ →

Financial Planning Calculators

📊 SIP Calculator

📅 Book Advisory Session

📈 SIP Projection

Estimated Corpus
₹23.2L
Amount Invested
₹12.0L
Wealth Gained
₹11.2L
Return Multiplier
1.93x

💰 Lumpsum Calculator

📅 Invest This Amount

📈 Lumpsum Returns

Estimated Corpus
₹3.1L
Invested
₹1.0L
Wealth Gained
₹2.1L
Return Multiplier
3.1x

🌅 Retirement Calculator

📅 Plan My Retirement

🎯 Retirement Corpus Needed

Required Corpus
₹4.2Cr
Years to Retire
25 Yrs
Monthly SIP Needed
₹28,500

🎯 Goal Planner

📅 Start My Goal Journey

📊 Monthly SIP Required

Monthly SIP Required
₹22,000
Total Investment
₹26.4L
Wealth Gained
₹23.6L

🔥 FIRE Calculator

📅 Plan My FIRE Journey

🔥 FIRE Number

Corpus Required (25x Rule)
₹1.5Cr
You Can Retire At
Age 44
Years to FIRE
14 Yrs

📈 SIP Step-Up Calculator

📅 Start Step-Up SIP

📊 Step-Up SIP vs Regular SIP

Step-Up Corpus
₹1.02Cr
Total Invested
₹38.4L
Extra vs Regular SIP
+₹42L
Know Your Status

Free Financial Health Check

10 questions · 3 minutes · Get your personalised financial readiness score with expert insights

Question 1 of 10
Score: 0 / 0
💼 ALL SESSIONS BY APPOINTMENT ONLY

Advisory Services & Plans

Structured financial consultations for every life stage — pay for expertise, not products

🏥

Financial Health Check

30-min assessment of your entire financial situation — gaps, priorities, and quick wins identified with written summary.

₹1,499 / 30-min session
📅 Book Now
🎯

Goal-Based Financial Plan

90-min deep dive — retirement, education, home — every goal mapped to SIPs with a comprehensive written plan document.

₹4,999 / 90-min + PDF
📋 View Details
🛡️

Insurance Portfolio Audit

Complete review of all your policies. Eliminate wasteful ULIPs. Restructure for maximum cover at lowest premium cost.

₹2,499 / 60-min audit
📋 View Details
View All 8 Services + Annual Plans + Research Reports →
Know Yourself

Quick Risk Profile Assessment

3 questions · 60 seconds · Your personalised investor profile

What Is Your Investor Profile?

1. If your portfolio drops 20% in a month, you would:
2. Your primary financial goal is:
3. Your investment horizon is:
Free Resources

Download Free Financial Guides

Expert knowledge, completely free. No spam — just valuable financial guidance

📋

10 Financial Mistakes Most Indians Make

Avoid the costly errors that derail wealth creation. A must-read for every investor.

💼

How to Pick the Right Mutual Fund

Step-by-step guide to evaluating and selecting mutual funds that match your goals.

🌅

Retirement Planning Checklist (35-45 Age)

Are you on track? Complete checklist for mid-career professionals to secure retirement.

Learn & Grow

Financial Knowledge Hub

An informed investor is a confident investor. Expert articles updated regularly.

SIP vs Lumpsum

SIP vs Lumpsum: Which Works Better in 2026?

Systematic vs one-time investment strategies based on current market conditions.

Read more →
Retirement Planning

How Much Do You Really Need to Retire in India?

Calculate your retirement corpus considering inflation, healthcare, and lifestyle.

Read more →
Market Corrections

5 Mistakes Investors Make During Market Corrections

Behavioural traps that destroy wealth — and how disciplined investors profit.

Read more →
Tax Planning

ELSS vs PPF vs NPS: Which Tax-Saving Option is Best?

Comprehensive comparison of 80C instruments for Indian taxpayers FY 2026-27.

Read more →
Insurance Guide

Term Insurance vs ULIP: Understanding the Real Difference

Why separating insurance and investment is usually the smarter decision.

Read more →
Budgeting

The 50-30-20 Rule: Managing Your Money Simply

How to allocate income across needs, wants, and savings effectively.

Read more →
Client Voices

What Our Clients Say

The trust of our clients is the only metric we truly measure ourselves by

★★★★★

"Sanjeev ji's advice transformed how I think about investing. From zero clarity to a structured SIP portfolio well on track for retirement. The transparency and patience he shows is unmatched in this industry."

R

Rajesh Mehta

Business Owner, Greater Noida

★★★★★

"The personalised financial plan for our daughter's education and retirement gave us real peace of mind. The thoroughness before any recommendation was truly impressive. Highly professional service."

P

Priya Agarwal

School Principal, Delhi NCR

★★★★★

"Integrato's equity research insights are sharp and actionable. My portfolio has significantly outperformed my previous advisors. Highly recommend for serious investors who want real results."

A

Amit Saxena

Senior Engineer, Noida

★★★★★

"I was always scared of equity markets. Sanjeev sir explained everything so patiently — risk, returns, tax. Now I invest confidently via SIP every month. My ₹8,000/month SIP has grown remarkably!"

S

Sunita Verma

Government Employee, Ghaziabad

★★★★★

"Got my entire insurance portfolio reviewed. My agent had sold me 3 ULIPs with poor returns. Integrato helped me switch to term + mutual funds — saving ₹40,000 per year with better coverage!"

V

Vikas Chaudhary

IT Professional, Noida Sector 62

★★★★★

"The tax planning session was eye-opening. I was overpaying by ₹1.2 lakh annually. Sanjeev sir restructured my HRA, 80C and NPS correctly. Money I was losing is now invested and growing."

N

Neeraj Gupta

CA Professional, Delhi

★★★★★

"As an NRI returning to India, I was confused about where to invest. Integrato guided me on taxation, FCNR accounts, mutual funds, and repatriation rules. Outstanding, reliable service."

K

Kavita Sharma

Returning NRI, Greater Noida West

★★★★★

"My father's ₹80 lakh FD was sitting idle at renewal. Sanjeev ji helped us deploy it smartly across debt and equity — earning almost double what the FD would have given. Brilliant advice!"

D

Deepak Tandon

Businessman, Greater Noida

★★★★★

"I started my first SIP at 23 with Integrato's guidance. Now at 26, I have ₹5.2 lakh invested and growing at 16% CAGR. Sanjeev sir's long-term thinking changed my financial mindset completely."

R

Rohit Singh

Software Developer, Age 26

Success Stories

Real Client Success Stories

Anonymised case studies showing how we've helped families and professionals build lasting wealth

Retirement
Retirement Planning

Government Employee, Age 42 — Retirement Corpus on Track

Came with ₹15L in FDs and no investment plan. We restructured into a diversified mutual fund portfolio with SIPs aligned to retirement at 60.

₹82L
Projected Corpus
12%
CAGR Achieved
18 Yrs
Plan Horizon
Education
Child Education

IT Professional, Age 35 — Child's Higher Education Secured

Needed ₹50L for IIT/MBA in 18 years. Built a goal-based SIP plan with ELSS and equity diversified funds from day one.

₹58L
Target Achieved
₹8,500
Monthly SIP
14 Yrs
To Goal
Business
Wealth Creation

Business Owner, Age 48 — Portfolio Restructuring

Unorganised investments across multiple products. We consolidated, eliminated underperformers, and optimised asset allocation completely.

+34%
Portfolio Growth
₹2.4Cr
AUM Managed
3 Yrs
Partnership
Tax
Tax Optimisation

Senior Manager, Age 38 — ₹1.8L Annual Tax Saved

₹18L income, overpaying under old regime. Restructured 80C, NPS, HRA and switched to optimal regime saving maximum tax legally.

₹1.8L
Annual Tax Saved
₹50K
NPS Deduction
Insurance
Insurance Restructuring

Young Professional, Age 29 — 3 ULIPs Replaced

Paying ₹1.2L/year in 3 ULIPs with poor returns and inadequate coverage. Switched to ₹1Cr term plan + 3 equity mutual funds.

₹1Cr
Life Cover
₹42K
Annual Saving
3x
Better Returns
FIRE
FIRE Planning

Dual-Income Couple, Ages 32 & 34 — FIRE at 50

Earning ₹3L/month, targeting financial independence by 50. Built step-up SIP strategy with aggressive equity allocation.

₹5.2Cr
FIRE Target
₹48K
Monthly SIP
16 Yrs
To Freedom
Certifications & Compliance

Qualified. Certified. Accountable.

Every service backed by formal NISM certification — your assurance of regulated advice

📜

Financial Goal Planner

Advance Level Certification

📜

NISM Series V-A

Mutual Fund Distribution Professional

📜

NISM Series XIII

Derivatives Markets Specialist

📜

NISM Series VII

Securities Operations & Risk Management

📜

NISM Series VIII

Equity Derivatives Specialist

📜

NISM Series XVI

Commodity Derivatives Professional

NISM Registration Number

NISM-201400033574 — Sanjeev Kumar Sharma

AMFI Registration

AMFI Registered Mutual Fund Distributor

IRDAI License

IRDAI Licensed Insurance Advisor

Issuing Authority

NISM — Established by SEBI, Govt. of India

Common Questions

Frequently Asked Questions

Everything you need to know before getting started with Integrato

Start Your Personalised
Financial Planning Journey

A focused 30-minute one-to-one advisory session with Sanjeev Kumar Sharma — online or face-to-face. You receive a personalised written action plan after every session.

Personalised strategy built around your unique goals
Confidential — your financial data is strictly private
Written action plan delivered post every session
Online (Zoom/Google Meet) or in-person available
All sessions by confirmed appointment only
₹1,499 / 30-min session
Most popular entry point — upgradeable to annual plan
📅 Book Advisory Session Now ✨ Or Sign Up & Open Free Investment Account 💼 View Annual Plans (from ₹9,999/yr)
Payment via Razorpay / UPI / Net Banking · Instant confirmation
Get in Touch

We're Always a Call Away

Reach out for a consultation. Our team responds within 24 hours.

🕐

Office Hours

Mon – Sat: 9:00 AM – 6:00 PM

📍

Address

95-F, 2nd Floor, Galaxy Blue Sapphire Plaza, Near Hira Sweets, Greater Noida West – 201306

📌 Open in Google Maps →

Quick Enquiry

✅ Our team will contact you within 24 hours!

📧 Monthly Market Insights

Join 500+ subscribers receiving our monthly newsletter — market updates, investment tips, tax alerts, curated insights. Completely free, no spam.

🔒 Your data is private. Unsubscribe anytime.

📞 Request an Instant Callback

Leave your details and our advisor will call you back within 24 hours — Mon to Sat, 9 AM to 6 PM. No commitment needed.

📋

Download Free Guide

Enter your details — we'll email the PDF guide within 2 hours.

✅ Sent! Check your inbox — guide arriving within 2 hours.

🔒 No spam · 100% free