About Us

About Knowledge First Financial Services Pvt. Ltd.

Driven by Knowledge, Built on Trust

Knowledge First Financial Services Pvt. Ltd. is a Navi Mumbai based wealth management and investment distribution firm, established in 2009 and headquartered in Vashi. We are an Authorised Business Partner and Authorised Person of Motilal Oswal Financial Services Ltd , one of India’s leading diversified financial services groups known for its research based products and focus on long term wealth creation. We understand the value of your hard earned money and work to ensure that each rupee moves you closer to your financial goals.


From our office in Sector 17, Vashi, we serve around 2,500 clients in India and overseas, including NRIs, and help manage approximately ₹500 crore in client assets across mutual funds and demat holdings. Our clients include salaried professionals, business owners, senior executives, families, retirees and NRIs who prefer a practical and honest approach to money rather than hype, tips or trading calls.


Founded by Dr. Sanjeev Kumar (MBA, PhD in Capital Market Investments), Knowledge First is built on core values of trust, quality and transparency. Dr. Kumar brings more than 31 years of experience across stock broking, mutual funds, life insurance and other financial domains, including senior roles at ICICI Prudential Life Insurance, Reliance Nippon Life Insurance and CDSL. He started Knowledge First in 2009 with a clear mission to provide personalised guidance and a disciplined investing approach to clients.


We take pride in a client centric philosophy based on personalised advice, a long term perspective and transparency at every step. Our mission is to help you create wealth through disciplined, informed investing while standing by your side in all kinds of market conditions. Right now, you work for money. Over time, your money should start working for you. That simple idea sits at the core of everything we do.

Team hands stacked in unity
Why We Stand Out

What Makes Us Different

Knowledge first, not product first

The discussion starts with your goals, cash flows and risk capacity, not with which fund or product needs to be pushed today.

From saver to investor

Indian households are steadily moving from only fixed deposits, gold and real estate to mutual funds and capital markets. We help you participate in that shift sensibly, without overpromising.

Long term and SIP driven

We emphasise SIPs, asset allocation and disciplined holding periods of 10 to 20 years and beyond, not intraday tips or constant churn.

Behaviour coaching

The real challenge is not finding products, it is sticking to the plan when markets are volatile. We spend time on that part and act as your financial coach.

Independent guidance plus a strong partner

You get personalised advice and hand holding from a focused team, backed by the research, systems and execution strength of Motilal Oswal.

Our Roots

A Strong Foundation Built Over Years

Corporate experience first:-

Before starting on his own, Dr. Sanjeev spent over 15 years in senior roles across leading financial institutions in life insurance,depository services and investment products.

Entrepreneurship since 2009:-

He began an investment and broking practice as an Authorised Person with Motilal Oswal in 2009 and over time shaped it into Knowledge First Financial Services Pvt. Ltd.

Today:-

A focused practice with a strong, long term client base built mainly through referrals and steady compounding rather than aggressive selling.

How We Work

A Transparent & Structured Process

We follow a transparent, step by step process so that your financial journey is clear and manageable.

1. Consultation

We begin with an in-depth discussion to understand your short, medium and long-term goals, review your income, expenses, assets and liabilities, and talk openly about your comfort with risk and volatility. This gives a clear picture of where you stand and what you want to achieve.

2. Planning

Our team then designs a personalised financial plan that includes:
  • Goal-based roadmaps with timelines and target amounts
  • Asset allocation across equity, debt, gold and other assets based on your risk profile
  • Selection of suitable instruments such as mutual funds, direct equity, PMS, AIF where relevant, and appropriate insurance cover

The result is a practical plan that balances growth and risk—something you can realistically implement and stay committed to.

3. Execution

Once you are comfortable with the plan, we help you put it into action by:
  • Opening demat, trading and mutual fund accounts through Motilal Oswal channels
  • Setting up SIPs, lump-sum investments and arranging protection cover
  • Completing all KYC and documentation correctly

Our partnership with Motilal Oswal gives you access to a robust investment platform, while our team guides you through every step.

4. Review

Financial plans are not static. We monitor your portfolio and schedule periodic reviews (quarterly or annually) to track:
  • Progress towards your goals
  • Portfolio performance
  • Any drift in asset allocation

We rebalance when markets move sharply or when your life situation changes—job changes, retirement, inheritance or major expenses. The goal is calm course correction, not panic.

5. Ongoing Support

Our relationship does not end with transactions. We provide:
  • Continuous support and investor education
  • Behavioral guidance during both strong and weak markets
  • Clear reminders of your long-term plan to avoid fear or greed-driven decisions

You can always reach out to us for guidance. We stay committed to your financial well-being at every step.

Why Choose Us

Your Partner in Smarter Financial Decisions

We believe in long term partnerships built on discipline and trust. By focusing on systematic planning, long term investing and client first advice, we guide you through market ups and downs with a steady hand. Our goal is not just to invest your money, but to build financial confidence and help you stay on track to your goals, regardless of market conditions.

Mission

Our mission is to help Indian families and professionals move from being only savers to becoming confident, long term investors. We do this through continuous financial education, careful planning and personalised strategies that turn savings into wealth.
We use simple, research backed tools, especially SIPs and sensible asset allocation, so that over time money starts working for our clients and not the other way around. We always put clarity, honesty and risk awareness ahead of sales targets. By guiding you with discipline and insight, we aim to empower you to achieve your life goals and secure your financial future.

Our Core Values

Trust

We tell you what you need to hear, not what is easy to sell. If a product or strategy does not fit your situation, we say so clearly.


Quality

We use research backed processes, established platforms and carefully selected products. The focus is on building sensible, diversified portfolios, not chasing fads.


Transparency

Clear paperwork, clear communication and no fine print games. You should always know what you own, why you own it and what it roughly costs.

Vision

Our vision is to build a community of disciplined investors and financially resilient families across India and beyond. We want every client to understand what they own, why they own it and how it connects to their goals.
We strive to foster long term investing habits, prudent decision making and financial literacy that can create wealth and stability for generations. By helping households shift steadily from mainly physical assets to well chosen financial assets, we aim to play a meaningful role in India’s wealth creation story. Through our guidance and partnership, we see a future where clients navigate their financial journeys with calm confidence, regardless of market conditions.

Our Founder

Leadership With Vision

Dr. Sanjeev Kumar

Founded by Dr. Sanjeev Kumar (MBA, PhD in Capital Market Investments), Knowledge First is built on core values of trust, quality and transparency. Dr. Kumar brings more than 31 years of experience across stock broking, mutual funds, life insurance and other financial domains, including senior roles at ICICI Prudential Life Insurance, Reliance Nippon Life Insurance and CDSL. He started Knowledge First in 2009 with a clear mission to provide personalised guidance and a disciplined investing approach to clients.

Dr. Sanjeev Kumar

Founder & CEO

Pratyush Gupta

Pratyush Gupta serves as Chief Technology Officer for Knowledge First Financial Services Pvt. Ltd. and consults from the United States. He is responsible for the firm’s technology strategy and digital infrastructure.

​With formal education in Computer Science and Engineering Management, including studies at Northeastern University in the United States, and a strong background in software engineering and technology consulting, he focuses on building secure, reliable and user friendly systems for reporting and client servicing, and on improving how clients access and track their investments online.

​Working from an international base, Pratyush brings a global perspective on digital tools, automation and data driven decision making, while staying aligned with the specific needs of Indian investors. His priority is simple and robust technology that gives clients clarity and confidence.

Pratyush Gupta

Chief Technology Officer

Krutika Dethe

Krutika is a seasoned financial services professional with over 11 years of experience in broking and wealth management. For the last six years at Knowledge First Financial Services Pvt Ltd, she's spearheaded compliance, documentation, team leadership, and client relationships—driving consistent growth through integrity and exceptional service.

Her earlier roles at Angel One, Anand Rathi, and Arham Shares Consultant Pvt Ltd honed her skills in branch operations and building lasting client trust.


Education: LLB | M.Com | B.Com — University of Mumbai

Krutika Dethe

Branch Manager

Our Top Features

Crore Asset Under Management

250+

Crore Asset Under Management

Clients Served

1500+

Clients Served

Qualified Team Members

20+

Qualified Team Members

Years Combined Experience

30+

Years Combined Experience

Research Tools

35+

Research Tools

Cutting Edge Technology

Cutting Edge Technology

Road Background

Direct vs Regular Investment:
Which is Right for You?

Understand the key differences, benefits, and how MFDs add value to your investments.

Direct Plans

  • Investor manages everything on their own — from fund selection to portfolio review.
  • Lower expense ratio (no distributor commission).
  • Requires time, research, and confidence to manage on your own.
  • One-size-fits-all — no tailored advice or adjustments.
  • High chance of emotional decisions, panic exits, or inconsistency.
  • Around 40% of retail mutual fund assets are via direct plans.

Regular Plans

  • Full support from a qualified MFD — from fund selection to goal planning, rebalancing, and handholding.
  • Slightly higher expense ratio (includes MFD commission), but often justified by better fund selection and goal alignment.
  • MFDs handle documentation, tracking, and even KYC — saving time and effort.
  • Investment is tailored based on goals, risk profile, and market conditions.
  • MFDs help maintain discipline during market volatility and keep clients focused on goals.
  • Nearly 60% of retail investors prefer Regular plans, showing trust in MFDs for expert guidance.

Make the Smart Choice Today for a
Successful Financial Tomorrow

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