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PK Financial Services Logo
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📞 +91 83184 42129✉️ pkfinance11@gmail.com
📞 +91 83184 42129|✉️ pkfinance11@gmail.com
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Your Financial Goals,
Our Expertise

PK Financial Services helps you build, grow and protect your wealth with expert guidance in Mutual Funds, Insurance, Tax Planning, and more — tailored to your life journey.

Our Services🧮 Calculators
📈

Mutual Fund Investments

SIP, lump sum, or portfolio rebalancing — we guide every step.

🛡️

Life & Health Insurance

Protect what matters most with the right coverage plan.

💰

Tax Saving Solutions

Maximize returns and minimise your tax outgo legally.

Live Indian Economy News

Scheme & Product Updates

Welcome to PK Financial Services

We are an AMFI-registered Mutual Fund Distributor based in Lucknow, dedicated to helping individuals and families achieve their financial dreams through smart, personalised planning.

Our team brings deep expertise across mutual funds, insurance, retirement planning, and tax optimisation — always putting your interests first.

  • ✓AMFI Registered Mutual Fund Distributor
  • ✓Personalised financial roadmaps for every life stage
  • ✓Transparent advisory with no hidden charges
  • ✓Dedicated relationship manager for every client
  • ✓Regular portfolio review and rebalancing
PK
Praful KumarFounder

AMFI Registered Mutual Fund Distributor

ARN-253947 | AMFI Registered MFD
Know More →

Investment Operations Associates

AK
Abhishek Kunwar

EX-JE at Northern Railway

ARN-366509
MR
Manish Rai
ARN-181978
AK
Ayush Kumar
ARN-123456
0+
Years of Experience
0+
Happy Clients
0%
Client Satisfaction
AMFI LogoOur AMC Partners

We Partner With India's Top AMCs

Access 25+ leading AMCs through a single trusted advisor — giving you the widest choice for your mutual fund investments.

SBI Mutual Fund
SBI Mutual Fund
AMC Partner
HDFC Mutual Fund
HDFC Mutual Fund
AMC Partner
ICICI Prudential MF
ICICI Prudential MF
AMC Partner
Nippon India MF
Nippon India MF
AMC Partner
Axis Mutual Fund
Axis Mutual Fund
AMC Partner
Kotak Mahindra MF
Kotak Mahindra MF
AMC Partner
Aditya Birla Sun Life MF
Aditya Birla Sun Life MF
AMC Partner
Mirae Asset MF
Mirae Asset MF
AMC Partner
UTI Mutual Fund
UTI Mutual Fund
AMC Partner
DSP Mutual Fund
DSP Mutual Fund
AMC Partner
Franklin Templeton MF
Franklin Templeton MF
AMC Partner
Tata Mutual Fund
Tata Mutual Fund
AMC Partner
Sundaram Mutual Fund
Sundaram Mutual Fund
AMC Partner
PGIM India MF
PGIM India MF
AMC Partner
Edelweiss MF
Edelweiss MF
AMC Partner
Canara Robeco MF
Canara Robeco MF
AMC Partner
Bandhan Mutual Fund
Bandhan Mutual Fund
AMC Partner
Invesco India MF
Invesco India MF
AMC Partner
HSBC Mutual Fund
HSBC Mutual Fund
AMC Partner
Motilal Oswal MF
Motilal Oswal MF
AMC Partner
Quant Mutual Fund
Quant Mutual Fund
AMC Partner
Navi Mutual Fund
Navi Mutual Fund
AMC Partner
Zerodha Fund House
Zerodha Fund House
AMC Partner
JM Financial MF
JM Financial MF
AMC Partner
WhiteOak Capital MF
WhiteOak Capital MF
AMC Partner
SBI Mutual Fund
SBI Mutual Fund
AMC Partner
HDFC Mutual Fund
HDFC Mutual Fund
AMC Partner
ICICI Prudential MF
ICICI Prudential MF
AMC Partner
Nippon India MF
Nippon India MF
AMC Partner
Axis Mutual Fund
Axis Mutual Fund
AMC Partner
Kotak Mahindra MF
Kotak Mahindra MF
AMC Partner
Aditya Birla Sun Life MF
Aditya Birla Sun Life MF
AMC Partner
Mirae Asset MF
Mirae Asset MF
AMC Partner
UTI Mutual Fund
UTI Mutual Fund
AMC Partner
DSP Mutual Fund
DSP Mutual Fund
AMC Partner
Franklin Templeton MF
Franklin Templeton MF
AMC Partner
Tata Mutual Fund
Tata Mutual Fund
AMC Partner
Sundaram Mutual Fund
Sundaram Mutual Fund
AMC Partner
PGIM India MF
PGIM India MF
AMC Partner
Edelweiss MF
Edelweiss MF
AMC Partner
Canara Robeco MF
Canara Robeco MF
AMC Partner
Bandhan Mutual Fund
Bandhan Mutual Fund
AMC Partner
Invesco India MF
Invesco India MF
AMC Partner
HSBC Mutual Fund
HSBC Mutual Fund
AMC Partner
Motilal Oswal MF
Motilal Oswal MF
AMC Partner
Quant Mutual Fund
Quant Mutual Fund
AMC Partner
Navi Mutual Fund
Navi Mutual Fund
AMC Partner
Zerodha Fund House
Zerodha Fund House
AMC Partner
JM Financial MF
JM Financial MF
AMC Partner
WhiteOak Capital MF
WhiteOak Capital MF
AMC Partner
WhiteOak Capital MF
WhiteOak Capital MF
AMC Partner
JM Financial MF
JM Financial MF
AMC Partner
Zerodha Fund House
Zerodha Fund House
AMC Partner
Navi Mutual Fund
Navi Mutual Fund
AMC Partner
Quant Mutual Fund
Quant Mutual Fund
AMC Partner
Motilal Oswal MF
Motilal Oswal MF
AMC Partner
HSBC Mutual Fund
HSBC Mutual Fund
AMC Partner
Invesco India MF
Invesco India MF
AMC Partner
Bandhan Mutual Fund
Bandhan Mutual Fund
AMC Partner
Canara Robeco MF
Canara Robeco MF
AMC Partner
Edelweiss MF
Edelweiss MF
AMC Partner
PGIM India MF
PGIM India MF
AMC Partner
Sundaram Mutual Fund
Sundaram Mutual Fund
AMC Partner
Tata Mutual Fund
Tata Mutual Fund
AMC Partner
Franklin Templeton MF
Franklin Templeton MF
AMC Partner
DSP Mutual Fund
DSP Mutual Fund
AMC Partner
UTI Mutual Fund
UTI Mutual Fund
AMC Partner
Mirae Asset MF
Mirae Asset MF
AMC Partner
Aditya Birla Sun Life MF
Aditya Birla Sun Life MF
AMC Partner
Kotak Mahindra MF
Kotak Mahindra MF
AMC Partner
Axis Mutual Fund
Axis Mutual Fund
AMC Partner
Nippon India MF
Nippon India MF
AMC Partner
ICICI Prudential MF
ICICI Prudential MF
AMC Partner
HDFC Mutual Fund
HDFC Mutual Fund
AMC Partner
SBI Mutual Fund
SBI Mutual Fund
AMC Partner
WhiteOak Capital MF
WhiteOak Capital MF
AMC Partner
JM Financial MF
JM Financial MF
AMC Partner
Zerodha Fund House
Zerodha Fund House
AMC Partner
Navi Mutual Fund
Navi Mutual Fund
AMC Partner
Quant Mutual Fund
Quant Mutual Fund
AMC Partner
Motilal Oswal MF
Motilal Oswal MF
AMC Partner
HSBC Mutual Fund
HSBC Mutual Fund
AMC Partner
Invesco India MF
Invesco India MF
AMC Partner
Bandhan Mutual Fund
Bandhan Mutual Fund
AMC Partner
Canara Robeco MF
Canara Robeco MF
AMC Partner
Edelweiss MF
Edelweiss MF
AMC Partner
PGIM India MF
PGIM India MF
AMC Partner
Sundaram Mutual Fund
Sundaram Mutual Fund
AMC Partner
Tata Mutual Fund
Tata Mutual Fund
AMC Partner
Franklin Templeton MF
Franklin Templeton MF
AMC Partner
DSP Mutual Fund
DSP Mutual Fund
AMC Partner
UTI Mutual Fund
UTI Mutual Fund
AMC Partner
Mirae Asset MF
Mirae Asset MF
AMC Partner
Aditya Birla Sun Life MF
Aditya Birla Sun Life MF
AMC Partner
Kotak Mahindra MF
Kotak Mahindra MF
AMC Partner
Axis Mutual Fund
Axis Mutual Fund
AMC Partner
Nippon India MF
Nippon India MF
AMC Partner
ICICI Prudential MF
ICICI Prudential MF
AMC Partner
HDFC Mutual Fund
HDFC Mutual Fund
AMC Partner
SBI Mutual Fund
SBI Mutual Fund
AMC Partner
✦Empanelled with 25+ AMCsacross Equity, Debt, Hybrid & ETF categories✦
What We Offer

Our Best Services

Tailored, goal-driven financial plannings and wealth protection solutions for every stage of your life.

Planning

Education Planning

Secure your child's educational future with dedicated goal-based SIP projections and inflation-adjusted corpus strategies.

Planning

Marriage Planning

Plan grand weddings and major life events with disciplined investment portfolios that grow steadily alongside your timelines.

Planning

Retirement Planning

Build an inflation-proof retirement corpus through NPS, PPF, and mutual fund systematic withdrawal plans (SWP) for lifelong independence.

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Investments

Mutual Fund Investments

Expert guidance across equity, hybrid, small-cap, and index funds. Start systematic investment plans (SIP) from ₹500/month.

Insurance

Life & Health Insurance

Compare top-rated term life and comprehensive health insurance policies with guaranteed claim support for total peace of mind.

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Tax

Tax Saving Solutions

Maximise tax savings under Section 80C, 80D, and 80CCD(1B) through ELSS equity funds, NPS, and smart asset allocation.

SECURED
Investments

Bonds & Fixed Deposits

Secure your capital with predictable, guaranteed returns. Invest in high-rated corporate FDs, government bonds, and Sovereign Gold Bonds (SGB).

Insurance

General Insurance

Safeguard your assets with comprehensive coverage for motor vehicles, commercial property, residential structures, and transit risks.

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NRI Wealth

NRI Investment Services

Specialised cross-border financial planning, NRE/NRO mutual fund investments, and tax advisory for Non-Resident Indians.

🧮
Financial Calculators
Plan smarter with our free tools
📈
SIP Calculator
Monthly SIP returns
💰
Lumpsum Calculator
One-time investment
⚖️
MF vs FD / RD
Compare wealth growth
🏦
Loan / EMI
Monthly EMI & interest
Smart Wealth Comparison

Mutual Funds vs FD / RD Returns

See how your money grows over time with market-linked Mutual Funds versus traditional Fixed & Recurring Deposits.

Investment Mode

Select SIP / RD for recurring deposits or Lumpsum / FD for one-time capital

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₹500/mo₹2,00,000/mo
Yrs
1 Year35 Years
📈 MF Expected Return
%
Hist. Avg: 12% - 15%
🏦 FD/RD Interest Rate
%
Bank Avg: 6% - 7.5%
Total Principal Invested:₹12.00 L
🚀 Additional Wealth Created by Mutual Funds
+₹6.34 L
You earn 37% more wealth over RD in 10 years!
📈 Mutual Funds (@12%)₹23.23 L
Est. Profit: ₹11.23 L+94% Total Gain
🏦 Recurring Deposit (RD) (@6.5%)₹16.90 L
Est. Profit: ₹4.90 L+41% Total Gain
💼 Capital Invested₹12.00 L

Key Differences: Mutual Funds vs Fixed Deposits (FD/RD)

Compare taxation, inflation impact, liquidity, and long-term compounding benefits.

Feature / Aspect📈 Equity / Hybrid Mutual Funds🏦 Bank FD / Recurring Deposit (RD)
Expected Returns12% – 15%+ p.a. (Historical equity compounding over long-term horizon)6.0% – 7.5% p.a. (Fixed interest rate pre-determined at account opening)
Inflation ProtectionHigh. Beating annual inflation (approx 6%), resulting in 6% - 9% real wealth growth.Low to Negative. Returns barely equal or fail to match inflation after tax deductions.
Tax TreatmentTax-efficient! Equity LTCG taxed at 12.5% ONLY on gains above ₹1.25 Lakh/yr. STCG at 20%. Taxed ONLY when redeemed.Taxed every year! Interest added to your income slab (taxed up to 30%+) plus 10% TDS applicable.
Liquidity & ExitHigh Liquidity. Withdraw money anytime (T+1 to T+2 days) with no premature penalty for open-ended funds.Restricted Liquidity. Premature withdrawal incurs 0.5% – 1.0% interest penalty.
Investment FlexibilityFlexible SIP. Pause, increase (Step-up SIP), or stop SIP anytime without fine.Fixed Commitment. RD requires fixed monthly payments; defaulting breaks tenure.
Compounding PowerPower of rupee cost averaging & reinvested market equity growth.Simple or quarterly compounding on guaranteed fixed interest rates.

Get One Personalised Financial Plan for Yourself

Client Stories

What Our Clients Say

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Stay Informed

Latest News & Insights

📰
15 May 2026Mutual Funds

Top 5 ELSS Funds to Invest in for FY 2026-27

Save tax and build wealth simultaneously. Here are the best ELSS funds based on 3-year performance.

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💡
02 May 2026Financial Planning

Why Every 30-Year-Old Should Start Retirement Planning Now

Compound interest works best over time. Starting at 30 can completely change your financial future.

Read More →
📊
20 Apr 2026Insurance

Term Insurance vs ULIP: Which Is Right for You in 2026?

A complete comparison of term plans and ULIPs to help you choose the best life insurance product.

Read More →
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Whether you're just starting your investment journey or want to review your existing portfolio, our expert advisors are here to help.

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Sector-16A/232, Vrindavan Yojna-4, Raebareli Road, Lucknow - 226029
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