About Author

Hari Om Tripathi

I am an engineer by chance & a Personal Financial Planner by choice. Currently residing in Kanpur & writing full time for Financial Kundali.

It all began in early 2010 when I was pursuing my M.B.A. in Finance. A Life Insurance agent came to our home & pitched a policy. The agent told me the in & out of the policy but was not able to answer my few simple questions like:


# What is the actual rate of interest

# Why a person with zero liabilities would need this policy

# Why to go for a policy when we can buy an online insurance plan at much cheaper rate.


I was totally confused. The idea of buying the policy was dropped & I began my research. I approached few more agents of some other life insurance companies but none were able to answer my questions & their main concern was to sell their product. Finally, i decided to read the fine prints of the policy & understand how it works.


Mis-selling by agents is so common these days. Seeing the huge disconnect between what people need & what agents sell, I decided to bridge the gap and started writing a blog on various financial products. During this tenure I completed my certifications from Financial Planning Standards Board of India in:


# Retirement Planning

# Tax Planning

# Insurance Planning

# Investment Planning.


To further enhance my knowledge in Mutual Fund & Insurance Products, i completed certification courses from:


# Association of Mutual Funds in India (AMFI)

# Insurance Regulatory & Development Authority(IRDA)



With the Sole AIM of making people "financially literate", I shall keep updating on various financial products offered by the Insurance & Mutual Fund industry.


In case you have any query on Personal Financial Planning or confusion regarding any financial product, feel free to drop a mail at financialkundali@gmail.com


We at Financial Kundali will help you choose what's best for you & will always be on your side while selecting a Financial Product.


Happy Investing


vishal agarwal


V.A. ASSOCIATES, (kolkata)

hello,everyone, wel i met hari through a market analysis social website, and he is the one who helped me knowing what exactly i want with my investment. after discussing with hari i undertood i was a big zero with my financial planning earlier. his suggetions regarding, SIP and PF A/C, helped me lot and i am getting benefited by these instruments, he understand what one need and his suggetions are according ones personal requirements. the best thing about him is, he wil never misguide his

Ronak Tandon


Ashok Leyland Ltd., (Kanpur)

I am absolutely delighted with your service. It is really refreshing to work with a financial adviser who is truly interested in their client’s needs, circumstances and preferences. What really impressed me was the way you took the time to get a feeling for where I was at, your depth of knowledge, lateral thinking and your common sense approach. Your professional, ethical and caring demeanor elicits my trust and respect and I gladly recommend your services whenever possible.

Deepika Singh

Deputy Manager

Axis Bank, (New Delhi)

A very goodd initiative has been taken by Mr. Hari Om Tripathi to work on this way. This site is a very effective tool to cross check all your financial myths. As a layman people generally find it difficult to get the right product as per their financial need or goal. This site is making them self enabled to judge the right product. It is covering almost all the financial products and giving good insight on that. Overall, a great financial site that I recommend."

Shivangi Gupta

Automation Test Consultant

UniSuper, (Melbourne, Australia)

I approached Hari by recommendation of one of my friend because I asked for an independent advisor not employed by a bank and not committed to sell the bank's financial product. I read articles in Financial Kundali and they were real eye opener. Products which I thought can be an investment are actually not. Hari is a BRILLIANT financial planner and he has all of the best qualities of a professional adviser. He is highly client focused and cares deeply about the outcomes his clients achieve.

Rahul Pandey

Analyst- Testing

Fiserv, (Hydearbad)

Financial Kundali is a site which is a must visit for every age group. With the new and improved design, this site is very intuitive and a lot of useful information is present in very concise and to the point manner. I have found answers of my questions related to my finances just by reading the articles on this site and all of it is for FREE. Many Thanks to Hari Om Sir for helping us to understand our finances better.

Siddhidatri Bhardwaj

Research Scholar

University of Delhi, (New Delhi)

Outstanding! I have been browsing through this site for about an hour now, and I have learned so much during that time.I had the good fortune of reading your well-written article regarding financial planning.It's clear,concise & contains sound,practical advice.Your articles help us realize that our problems are typical, and we can solve them in constructive ways. A really wonderful, resourceful site which brings clarity to many complex and intricate questions. Without a trace of doubt, your




Very Good site to know in the simplest way to Invest

Himanshu Shastri


H&H Diva's Destination, (Kanpur)

Financial Kundli is a complete guide for all investment requirements. Now a days it is must to plan our investments professionally for better future returns. Financial Kundli provides “Free Financial Health Checkup” and complete information about goal based investments. Most importantly it tells us about the pros and cons of commonly known investment securities. Mr. Hariom Tripathi deserves appreciation for this innovative initiative.

Devesh Sahu

Sr. Engineer

Ericsson Global, (Noida)

Financial Kundali guide you about your's financial Planning. Proper financial planning is must for all class of people. I really appreciate the way it guide us about the drawbacks and hidden negative points about Insurance + Investment policy. I stop buying policy or insurance schemes & started investing my regular money in mutual funds for better future. Thanks to all Financial kundlai group members to guide me and showing me the right path.

Prashant Shukla


Aadhar Engineers & Telecom Solutions, (New Delhi)

Hari om Tripathi was meticulous in devising the optimal structure for our fund to match our situation, advising ways to maximize value through salary-sacrifice and allowable after-tax contributions, while strictly complying with government regulations and reporting requirements. His investment recommendations are always well researched and backed by sound data. But unlike many advisors he is happy to incorporate our own input, to the extent that I select some of the mining and energy stocks

Ramkrishna Trivedi

Sub Divisional Engineer

BSNL, (Noida)

It has been my immense pleasure and privilege to write about the benefits of the services taken through this website.Financial Kundali has helped me in taking decision regarding financial saving instruments like PPF or LIC?, Gold or Real Estate?. It is believed to have such a guiding information easily available during the course of investment decision making. I feel now much more relieved for my IT savings, ITR, Equities. Its my advice to investment oriented people to keep exploring this

Mahesh Mahatekar

Lead QA

Xecom IT Pvt. Ltd, (Pune)

FINANCIAL KUNDALI - A Way to start your Financial Life While searching for some financial planning related websites, I came across http://www.financialkundali.com/. I liked the site very much. It provides all the basic information for common people to improve their Financial Life. It has very good services like Free Financial Health Check Up, Goal Based Investment, How to manage your Financial Wealth etc. All the topics are discussed in a nice way. As a newcomer to making financial

Gaurav Tripathi

Manager -Storage Solutions

Godrej & Boyce Mfg.Co.Ltd, (New Delhi)

It was a nightmare when while my Financial Planning Discussions Harry analyzed on how I was investing in my insurance policy for 21 yrs and getting a very nominal return. With Harry's guidance I invested partially in Term Plan & Mutual Funds. Now I am insured,expecting a 40-50% more return from my last policy and guess what my money is not blocked for decades for god sake. Harry trust me this is a charity you are doing to World. Thanks for saving my Money. All the very Best.

Amit Gupta


FMCG, (Chandigarh)

I have landed on financial kundali website during my search for advice regarding a policy. It’s one of the most genuine & Informative website I have ever seen. All the article are so simple and easy to understand. Now I know where to invest my money and how to invest my money. The Biggest point I want people to note here is the owner of this site is doing it free of cost for the people he even don’t mind calling them up personally and make the picture clear. This is actually a social

Durgesh Agnihotri

Asst. Prof.

PSIT , (Kanpur)

“Financial Kundali is a great help for investors. It is the the best platform where everyone is free to clear their doubts regarding investment.

Abhishek Chauhan

Employee of a reputed investment management firm.

Financial, (Kanpur)

Financial Kundali turns out to be a milestone in an individual’s journey towards financial planning, Mr. Hari Om Tripathi is a well versed Financial Planner and he can change your outlook towards your financial goals.

Shashank Agarwal

Senior Manager-Technology Strategy BMIS- MD & CEO

Yes Bank, (Mumbai)

Financial Kundali is a very comprehensive website which highlights all the concepts of the financial world in a very succinct manner. Products be it PF, Term Insurance, Mutual Funds etc., otherwise construed as complex and non-comprehendible, shall potentially become a cake-walk once you delve more in this website. The simplistic language with real-life examples enables every visitor(novice, beginner or an expert), extract some interesting facts about the products. Hariom, wish you very

Amit Dubey

Telecom Engineer

Telecom, (Noida)

Every Investment is not " an Investment " and this is what I got to know from Financial Kundali.... what is a " Wise Investment " is what I got to know from here...!!! Thanks !!

Gaurav Tripathi


Indian Overseas Bank, (Lucknow)

Phenomenal website.Boon for guys like me who are challenged with Financial Quotient. Articles are as easy as pie, limpid, lucid and articulative. Besides, enough fodder is available for intellectual nourishment. I was personally impressed by an analytic and interpretive article which compares PPF and LIC as tax-saving investments.

Raahul SIngh Gautam

Sr. Consultant

Capgemini, (Mumbai)

Earlier, financial planning was like a nightmare for me. But Hari’s insightful advice went a long way in changing my outlook towards money and helping me achieve my financial goals. I would really recommend Hari as an experienced financial consultant to help you with planning your portfolio and achieving financial freedom!


Subscribe to Emails