Invest with Confidence. Backed by Research.
Helping Investors Build Wealth Since 2004
Based in Pune, PivotalFlow Financial has been assisting individuals and families with their investment journeys for over two decades. Serving more than 1,500 clients across India, we provide personalized wealth management and investment distribution services designed around each client's financial goals, time horizon, and risk profile.
Our investment process combines proprietary research, advanced analytical tools, and technology-driven insights to evaluate investment opportunities and construct well-diversified long-term investment solutions. By maintaining a disciplined and research-oriented approach, we strive to help our clients make informed financial decisions with confidence.
DISTRIBUTION SERVICES
BUILDING GENERATIONAL WEALTH
Mutual Funds & Stocks
Mutual Funds are investment vehicles that invest in a diversified portfolio of securities such as equities, debt instruments, treasury bills, money market instruments, and other assets, depending on the investment objective of the scheme. They are available across various categories, including Equity, Debt, Hybrid, Liquid allowing investors to choose options suited to different financial objectives.
At PivotalFlow Financial, we assist investors in selecting suitable mutual fund schemes after understanding their financial goals, investment horizon, and risk profile. Our research-driven approach and disciplined investment process are designed to help clients make informed investment decisions and build well-diversified long-term portfolios.
Portfolio Management Services (PMS) & AIF
Portfolio Management Services (PMS) are professionally managed investment solutions that invest in securities such as equities, fixed income instruments, and other permitted asset classes through customized portfolios. PMS is generally intended for investors seeking personalized portfolio management and is subject to minimum investment requirements prescribed by SEBI.
At PivotalFlow Financial, we facilitate access to Portfolio Management Services offered by SEBI-registered Portfolio Managers. Our selection process includes evaluating investment philosophy, portfolio characteristics, consistency, risk management practices, and other qualitative and quantitative parameters to help clients identify solutions that align with their financial objectives, investment horizon, and risk profile.
Specialized Investment Funds (SIF)
Specialized Investment Funds (SIFs) are investment products designed to provide investors with access to a wider range of investment strategies than traditional mutual fund schemes, subject to the regulatory framework prescribed by SEBI. Depending on the investment strategy adopted, SIFs may invest across multiple asset classes and may employ strategies such as long-short equity, dynamic asset allocation, or sector-focused investing. These strategies carry varying levels of risk and may not be suitable for all investors.
At PivotalFlow Financial, we assist eligible investors by conducting research and due diligence on available SIF offerings. Our evaluation considers factors such as investment strategy, portfolio characteristics, risk management framework, fund management approach, and suitability in relation to each client's financial goals, investment horizon, and risk profile, enabling clients to make informed investment decisions.
Wills, Trusts and Estate Planning
Estate planning isn’t just about wealth, it’s about protecting what you’ve built and ensuring it flows seamlessly to those who matter most. Through well-structured Wills and Trusts, you can safeguard your assets, minimise tax implications, and maintain control over how your legacy is managed and distributed.
At PivotalFlow Financial, we help you design a comprehensive estate plan that reflects your values, family priorities, and financial goals. Our experts collaborate with legal and tax professionals to:
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Create Wills and Trusts tailored to your personal and business holdings
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Structure assets for smooth inheritance and minimal legal friction
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Ensure continuity of wealth across generations
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Protect dependents and beneficiaries from future uncertainties
With PivotalFlow, your legacy isn’t left to chance — it’s planned, protected, and purposefully passed on.
Loan Against Mutual Funds (LAMF)
Unlock the value of your mutual fund investments without redeeming them. With our Loan Against Mutual Funds facility, you can avail of up to 70% of your mutual fund portfolio value through a simple, paper-light process. Get your loan approved and the funds credited in as little as 30 minutes, allowing you to meet immediate financial needs while your investments remain invested and continue to participate in potential market growth.
Insurance & Fixed Deposits
Insurance is the equitable transfer of the risk of an economic loss, from one entity to another, in exchange for payment. Insurance planning is a topic of utmost importance for every individual in today’s day and age. We take utmost care is selecting the right insurance companies for you and helping you select the best plan so that you are always secured regardless of any dire circumstances.
We provide Term Insurance and Health Insurance. We also provide Fixed Deposits
Proprietary Research Framework
Built on Two Decades of Experience
At PivotalFlow Financial, our research process spans a broad universe of mutual funds and stocks and is built upon proprietary methodologies refined over more than two decades. We evaluate investment opportunities through a disciplined, research-driven framework while considering each client's financial objectives, investment horizon, and risk profile to recommend suitable investment solutions.
Our investment research is supported by continuous monitoring of over 500 listed companies, economic indicators, sector trends, and market developments. This comprehensive approach helps us assess changing market conditions and provide timely, research-backed insights to our clients.
Through our technology platform, clients can conveniently access their portfolios, monitor investments, track transactions, and stay connected with their financial journey.
Passion, Experience, Diligence - Delivered
3
Qualified Experts
20+
Years Of Experience
1500+
Happy Clients Since Inception
ABOUT
A Legacy of Trust &
A Future Driven by Research and Technology.
Founded in 2004, PivotalFlow Financial is a Pune-based financial services firm offering mutual fund distribution and wealth management solutions. For over two decades, we have been committed to helping individuals and families make informed investment decisions through integrity, transparency, and a client-first approach.
The firm is led by Nikhil Khatiwala, CFP (Certified Financial Planner), who brings more than 20 years of experience in mutual fund distribution and financial planning. His philosophy has always been centred on investor education, disciplined investing, and helping clients pursue their long-term financial goals through suitable investment solutions.
Today, PivotalFlow Financial combines this legacy with modern technology and research-led processes under the leadership of Abhedya Khatiwala, creating a next-generation client experience. By integrating data analytics, technology, and a structured research framework, the firm enhances its investment evaluation process while delivering an efficient, transparent, and seamless client experience.
Every investment solution we recommend is based on a thorough understanding of each client's financial goals, investment horizon, and risk profile. Our research-driven approach, supported by technology and continuous market evaluation, enables us to identify suitable investment opportunities while maintaining a disciplined long-term perspective.
At PivotalFlow Financial, we believe lasting relationships are built on trust, transparency, and consistent service. These principles continue to guide everything we do as we assist our clients in working towards their long-term financial objectives.
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