Simplifying insurance and investments for every Indian family
First Ray Finserve is a Mumbai-based financial services firm built on a simple belief: sound financial decisions should not require a finance degree. We bring insurance and investment management under one roof, pairing regulated advice with practical tools so you can plan, protect and grow your money with confidence.
What we do
We provide life and general insurance broking, mutual fund and SIP distribution, Specialised Investment Funds (SIF), Portfolio Management Services (PMS) and Alternative Investment Funds (AIF), alongside retirement and goal planning. Our website pairs these services with free calculators — SIP, SWP, goal planning, insurance need, human life value and EMI — and a maintained taxation reference covering every major asset class, so you can model decisions before you make them.
Who it is for
Our clients are Indian families, working professionals, business owners and retirees who want a single trusted partner for both protection and wealth creation. Whether you are buying your first term plan, building a mutual fund portfolio, navigating capital gains tax after a sale, or planning a retirement income through a systematic withdrawal plan, our guidance is built around your stage of life and your appetite for risk — not a one-size-fits-all product.
Who builds it
First Ray Finserve is operated by First Ray Opportunities LLP (AMFI ARN 344275) and First Ray Insurance Brokers Pvt Ltd (IRDAI Registration 1150), based at Malad West, Mumbai. We are licensed, regulated and answerable to the bodies that govern Indian insurance and securities distribution. Every recommendation we make is grounded in regulation and documented for your records, because trust is built on transparency, not promises.
What guides our advice
Clarity over jargon
We translate dense regulation and fine print into plain decisions you can act on.
Security first
Protection comes before returns — the right cover, sized correctly, before any investment plan.
Independent advice
We are not tied to a single insurer or fund house. Recommendations follow your need, not a commission.
Long-term partnership
Plans are reviewed, not sold and forgotten. Your cover and portfolio shift as your life does.
Ready to talk to a human?
Book a no-obligation consultation and we will review your cover and portfolio together.
Contact Us