Investments and insurance, in plain language
Investing, explained
around your life.
A Jaipur practice led by Chandni Sharma, helping families, professionals, and retirees invest and protect what they're actually working toward.
AMFI-registered Mutual Fund Distributor. ARN-257048.
Meet the founder
Chandni Sharma
With 12+ years in financial services, Chandni has helped young professionals start their first SIPs, families invest for homes and education, and retirees build toward a confident retirement. She built Devni Associates around a simple way of working: unhurried conversations, no jargon, and always upfront about how we are paid.
- Conversations that start with your goals, not a sales target
- Every product explained in plain language
- Regular check ins on your investments and paperwork
Our approach
Investing you can
actually understand.
Goals first
Every conversation starts with what you are working toward, never with a product that needs selling.
Clarity over jargon
If you do not understand a product, we have not explained it well enough. Plain language, every time.
Transparency, always
You will always know what you are investing in and how we are paid. Regular reviews keep everything visible.
Here after you invest
From KYC and nominee updates to statements and insurance claims, Chandni helps with the paperwork long after you invest.
Products we deal in
Ten ways to invest and protect.
One person to call.
Market-linked funds
Mutual Funds
Equity, debt and hybrid schemes
SIF
Specialised Investment Funds
AIF
Alternative Investment Funds
PMS
Portfolio Management Services
Income, protection and retirement
Bonds & Debentures
Fixed income instruments
SGBs
Sovereign Gold Bonds
Insurance
Life, health and general insurance
NPS
National Pension System
Global and alternate assets
REITs & InvITs
Real estate and infrastructure trusts
GIFT City Funds
Offshore funds from GIFT IFSC
Not sure where to start?
Ask Chandni about any of these.
Availability of each product depends on eligibility, minimum investment amounts and applicable regulations. Some of these products carry higher risk, including possible loss of capital, low liquidity and market volatility. Read all scheme and offer related documents carefully before investing.
Calculators
See how regular investing can grow.
Two simple illustrations. Move the sliders to try your own numbers.
The same amount every month, for the period you choose.
SIP calculator
The same amount every month, for the period you choose.
Amount invested ₹18,00,000. Estimated gains ₹32,45,760. Estimated value ₹50,45,760.
- Amount invested
- ₹18,00,000
- Estimated gains
- ₹32,45,760
- Estimated value
- ₹50,45,760
Step-up SIP calculator
Raise your monthly amount once a year, as your income grows, and compare it with keeping it flat.
Amount invested ₹34,68,736. Estimated gains ₹48,00,875. Estimated value ₹82,69,611.
- Amount invested
- ₹34,68,736
- Estimated gains
- ₹48,00,875
- Estimated value
- ₹82,69,611
Final monthly investment: ₹25,937Flat ₹10,000 SIP would reach ₹50,45,760
Year by year breakdown
| Year | Monthly investment | Invested that year | Total invested | Estimated value |
|---|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹11,000 | ₹1,32,000 | ₹2,52,000 | ₹2,85,241 |
| 3 | ₹12,100 | ₹1,45,200 | ₹3,97,200 | ₹4,76,410 |
| 4 | ₹13,310 | ₹1,59,720 | ₹5,56,920 | ₹7,07,323 |
| 5 | ₹14,641 | ₹1,75,692 | ₹7,32,612 | ₹9,84,570 |
| 6 | ₹16,105 | ₹1,93,261 | ₹9,25,873 | ₹13,15,734 |
| 7 | ₹17,716 | ₹2,12,587 | ₹11,38,461 | ₹17,09,527 |
| 8 | ₹19,487 | ₹2,33,846 | ₹13,72,307 | ₹21,75,956 |
| 9 | ₹21,436 | ₹2,57,231 | ₹16,29,537 | ₹27,26,501 |
| 10 | ₹23,579 | ₹2,82,954 | ₹19,12,491 | ₹33,74,326 |
| 11 | ₹25,937 | ₹3,11,249 | ₹22,23,740 | ₹41,34,516 |
| 12 | ₹25,937 | ₹3,11,249 | ₹25,34,989 | ₹49,91,117 |
| 13 | ₹25,937 | ₹3,11,249 | ₹28,46,238 | ₹59,56,357 |
| 14 | ₹25,937 | ₹3,11,249 | ₹31,57,487 | ₹70,44,013 |
| 15 | ₹25,937 | ₹3,11,249 | ₹34,68,736 | ₹82,69,611 |
For illustration only. These calculators assume a constant annual return, compounded monthly, with each instalment invested at the start of the month. Real investments do not behave this way. Actual returns vary, can be negative and are not guaranteed. This is not a recommendation of any scheme. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
On Instagram
Money, explained by Chandni.
Short videos on investing, insurance and money habits, made for everyday questions.
Let's talk
Let's start with what you're working toward.
Share a few details and Chandni will call you back. No pressure, no jargon.
Prefer to pick a time? See Chandni's calendar (opens in a new tab)