Vimuka - Be Financially Fit.

Empowering your journey through uncompromising transparency and continuous mastery of the financial landscape—acting as your long-term well-wisher to help your investments stay as fit as your ambitions.

Our Services

  • 01 Zero-Friction Execution Ecosystem

    We handle the "heavy lifting" so you can focus on your goals:

    Fully Managed Operations: We navigate the complexities of digital identity verification (KYC), bank mandates, and ongoing paperwork.

    Integrated Tech Suite: 24/7 access to a unified dashboard for real-time tracking and tax-ready reporting.

    Proactive Reminders: Automated alerts for SIP dates, renewal windows, and regulatory updates so you never miss a step.

  • 02 Contextual Suitability & Risk Profiling

    Before you run, we check your vitals. We conduct a Suitability Audit to ensure your investments match your life:

    Big-Picture Baseline: We look at your existing assets (Real Estate, Gold, etc.) purely to ensure your Mutual Fund selection provides true diversification and doesn't create "concentration risk."

    Risk Capacity Mapping: We align your portfolio's "Pace" with your actual emotional and financial ability to handle market swings.

  • 03 Incident-Based Fund Recommendations

    We don't just "sell funds"; we suggest solutions. Based on your Suitability Audit, we curate a selection of Mutual Fund schemes that are appropriate for your specific goals, ensuring every recommendation has a clear purpose in your portfolio.

  • 04 Dynamic Portfolio Rebalancing

    Markets move, and so should your strategy. We monitor your asset allocation and facilitate Seamless Rebalancing—shifting funds when they drift too far from your target mix—to lock in gains and manage risk without any direct execution fee from you.

  • 05 Navigating Derailing Behaviors

    The Axis MF 20-Year Study (2003–2022) proves that the biggest threat to your wealth is the 5.3% Behavioral Gap. While equity funds returned 19.1%, the average investor earned only 13.8% due to emotional buying at peaks and panic selling at troughs.

    Our Role: We bridge this gap through constant education and high-frequency coaching, ensuring your discipline captures the fund's true performance rather than being derailed by market noise.

Pricing and Our Transparency Statement

"We make money through trail commissions paid to us by Asset Management Companies (AMCs) for the 'Regular Plans' of schemes we distribute. Because we earn our revenue this way, you pay ₹0 directly to us—no consultation fees, no hourly coaching rates, and no invoices for rebalancing your portfolio. We are not investment advisors or consultants who might advice you for a fee.

We believe this model is the most Honourable way to partner for long term. It allows us to act as your 'Pacer'—providing you with frequent financial fitness diagnostics, mastery education, and dynamic portfolio maintenance—without a price tag that creates a barrier to your entry. By choosing a Regular Plan, you are acknowledging that the product has a slightly higher expense ratio than a Direct Plan, which covers the cost of our continuous, high-frequency support ecosystem. Our comission can vary from 0.05% to 1.25% p.a. of AUM(Assets Under Management).

Who We Are

Vimuka’s purpose is to guide people toward freedom from financial stress. We believe building wealth is a marathon, not a sprint. We provide the discipline, the suitable products, and the coaching to get your money in shape for the long run. By anchoring investment to a specific life goal, we strive to make your journey is purposeful.

Our Values

🏛️ Honour (Integrity in Action)

"Do what we say and say what we do." Honour means radical transparency. We are completely upfront about our commissions and how we are compensated; if our guidance isn't adding value to your life, your money has no place in our business. We prioritize your well-being over a transaction. This means we lead with the risks, not just the rewards. If we believe a strategy isn't right for you—or if we aren't the right fit—we will be the first to tell you, even if it means recommending that you do not invest with us.

🌱 Nurture (The Marathon Partnership)

"Building wealth is a marathon, not a sprint." Wealth is grown, not manufactured. We focus on long-term relationships, not overnight promises. We believe in "watering the plants" when they need it, not just when it’s raining. This means providing steady, disciplined support based on your specific requirements rather than following market noise. We are in this together for the long run, and we have the courage to say no to "get-rich-quick" trends to protect your future "finish line."

🎓 Master (The Pursuit of Excellence)

"Knowing when to act, and when no-action is the most powerful action." Master is not a destination but a constant pursuit of excellence. We are never satisfied with the status quo; instead, we constantly upgrade our knowledge of the evolving financial landscape to help ensure our suitability guidance remains sharp and relevant. By striving for top-of-the-class certifications and advanced credentials—even when they are not legally mandated—we choose to elevate our expertise because we believe you deserve a partner who is over-qualified, not just "qualified." Mastery means having the prudence to avoid change for the sake of change and the courage to take cautious, well-researched timely risks.

Meet the Team

Naveen Keshava grew up in the rhythm of nature—waking to birdsong and returning to the howl of the fox. This taught him an enduring truth: survival and growth depend on systems and cycles, not sporadic sprints.

After a distinguished career as an Engineer and Leadership Expert at titans like Reliance, SAP Labs, and Zeta, Naveen noticed a recurring flaw in wealth creation. While financial markets are driven by logic, investors are driven by emotion. This "Behavioral Gap" often costs investors over 5% in annual returns.

To solve this, Naveen bridged two worlds. He mastered the human "why" through Applied Behavioral Science (ISABS/TISS) and the financial "how" through NISM certifications and over 6 years of managing multi-crore Mutual Fund portfolios.

Vimuka is the culmination of this dual expertise. Naveen founded Vimuka to act as the Pacer in your investment marathon—the steady hand that ensures you don’t burn out or drift off course when the market gets volatile. At Vimuka, we don't just sell products; we engineer the discipline required to reach true financial freedom.

Statutory Disclosures Disclaimers & Commissions

I, Naveen Keshava, am an individual Mutual Fund Distributor registered with the Association of Mutual Funds in India (AMFI). My primary role is to facilitate the purchase and sale of mutual fund units for investors.

Commission Disclosure

In compliance with SEBI Circular (SEBI/IMD/CIR No. 4/168230/09), the following are the general ranges of trail commissions I receive from various Asset Management Companies (AMCs). This disclosure is made to ensure full transparency:

Equity / Hybrid Schemes: 0.50% – 1.25% p.a.

Debt / Income Schemes: 0.10% – 0.75% p.a.

Liquid / Overnight Funds: 0.05% – 0.15% p.a.

Note: The actual commission varies by AMC and specific scheme. Rates are subject to change as per AMC discretion. No upfront commission is paid to me directly by the investor.

Direct Plan Notification: Investors have the option to invest in "Direct Plans" of Mutual Fund schemes through the respective AMC websites or their authorized points of acceptance. Direct plans do not involve a distributor and typically have a lower expense ratio.

Investor Grievance Policy

At Vimuka, client satisfaction is the priority. If you have any grievances regarding the services provided, please follow the steps below:

Step 1: Contact Me Directly Email: nav.keshava@gmail.com

Phone: +918197422117

Response Time: I will strive to resolve your query within 3 working days.

Step 2: Escalation to SEBI/AMFI If your complaint is not resolved within 30 days, or if you are not satisfied with the resolution, you may lodge a complaint with the regulator:

Disclaimer on Services: I, Naveen Keshava, provide "Execution-Only" services. This means that I facilitate your transactions based on your specific instructions. Any information provided regarding various schemes should not be construed as "Investment Advice." Investors should evaluate the suitability of any product based on their own risk appetite and financial goals.

Data Privacy: As an MFD, I collect personal data (PAN, Bank Details, KYC status) solely for the purpose of processing your applications with AMCs and RTA (CAMS/KFintech). Your data is handled with strict confidentiality and is never sold to third-party marketing agencies.

Be Financially Fit - Reach out Now!

Phone: +918197422117

E-Mail: info@vimuka.com