One point of contact
You will not be handed to a call centre or reassigned every eighteen months. The person who wrote your plan is the person who reviews it.
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About the practice
The person behind the portfolio.
PVK Capital is deliberately small. One founder, one standard of advice, and a client list capped at the number of families that can genuinely be looked after well.
Vedant Shah
Photograph to be added here
Vedant Shah
Founder
Founder
Vedant Shah
Vedant founded PVK Capital after watching the same pattern repeat in household after household: intelligent, hard-working people holding a collection of financial products that nobody had ever assembled into a plan. An endowment policy bought for tax relief. Six mutual funds that all owned the same twenty stocks. Cash sitting in a savings account for a goal eleven years away. And no will at all.
The practice was built to fix that — not by selling something new on top of the pile, but by starting with a full audit, removing what does not belong, and rebuilding around goals with dates and rupee amounts attached to them.
Today PVK Capital advises salaried professionals, business-owning families, NRIs and retirees across the full spectrum of Indian wealth products — from a ₹5,000 monthly SIP to AIF and GIFT City mandates — with succession planning treated as part of the portfolio rather than an afterthought.
“I would rather lose a mandate than sell a product I would not put my own family into.”
Vedant Shah
The three words on our logo
Preservation. Value. Knowledge.
They are printed under the mark because they are the order of operations — not a tagline written after the fact.
01
Preservation
Before we discuss returns we make sure a bad year cannot break the plan. Six to twelve months of expenses in liquid form. Term cover sized to liabilities plus dependants' needs. Health cover with a top-up. Debt allocation matched to near-term goals. Only then does equity risk get taken — and only with money that has no job for at least five years.
02
Value
Value means what you keep, not what a factsheet claims. We look at total expense ratios, exit loads, AIF hurdle rates, indexation, LTCG and STCG impact, and the tax drag of unnecessary switching. A cheaper, duller portfolio that you actually hold for fifteen years beats a clever one you abandon in year three.
03
Knowledge
We do not use complexity as a moat. Every recommendation is explained in writing: the objective, the cost, the lock-in, the realistic downside, and the conditions under which we would exit. If a product cannot survive being explained plainly to you, it does not survive our shortlist either.
Why families stay
Six commitments we make
Six commitments we make
to every client.
A full audit first
Every existing folio, policy, deposit, property and loan is mapped before a single new rupee is deployed. Most of the early gains come from cleanup, not from buying.
Written recommendations
Nothing important is agreed only on a phone call. You get the reasoning, the costs and the exit conditions in writing, so you can re-read it in five years.
Protection before growth
Insurance is never sold as an investment. Term, health and accident cover are put in place first so that the growth portfolio never has to be liquidated in an emergency.
Reviews on a calendar
Quarterly performance reviews and an annual deep dive, scheduled in advance — not a call that only happens when there is something to sell.
Succession built in
Nominations, joint holdings, a will and — where the balance sheet warrants it — a private trust. Planned while it is easy, not while a family is grieving.
Before you call
Questions people ask first.
No. A mutual fund SIP can start from ₹500 a month, and plenty of our client relationships began
exactly there. What matters more than the opening amount is whether you intend to build
methodically over time. Some mandates — like AIF — carry regulatory minimums set by SEBI,
and we will tell you plainly when a product is not yet appropriate for your size rather than
stretching you into it.
Depending on the mandate, remuneration comes from distributor commissions embedded in the product,
an advisory fee agreed with you, or a combination. The important part is that it is disclosed
before you commit. In your first written recommendation you will see, for each product, what it
costs you annually and how we are remunerated on it.
Not at all — and often you should not. The audit tells us what is worth keeping. Typical outcomes:
- Good schemes with meaningful unrealised gains are usually left alone, since exiting triggers tax.
- Overlapping funds are consolidated gradually to control capital gains in any one financial year.
- Traditional insurance policies sold as investments are reviewed for surrender value versus paid-up value before any decision.
- Idle savings-account balances are the first thing we put to work.
Yes. We work with NRIs on repatriable (NRE) and non-repatriable (NRO) structures, mutual funds,
bonds, and GIFT City routes that avoid some of the friction NRIs face with
domestic products. Tax residency and treaty position matter a great deal here, so we coordinate
with your tax adviser in the destination country before recommending a structure.
A conversation — about your income, obligations, dependants, business if you have one, the goals
that have dates attached, and what would genuinely keep you up at night. Nothing is sold in that
meeting. You leave with a clear view of what a plan would look like, and you decide afterwards
whether to proceed. The first consultation is complimentary.
We plan around tax and structure — indexation, LTCG and STCG treatment, set-off and carry-forward,
the tax profile of each product wrapper, and the drafting requirements of a will or trust. But
formal tax filing and legal drafting are executed by qualified chartered accountants and lawyers.
Where you do not already have them, we will introduce you to professionals we work with regularly.
Start the conversation
One meeting is usually
One meeting is usually
enough to know.
Bring your existing statements — or bring nothing at all. Either way, you will leave with a clearer view of where you stand.