About us
An advice practice that explains itself.
Infinite Business Solutions is an independent financial planning practice based in Bengaluru, working with salaried families and business owners across India.
Why we exist
Financial products in India are sold far more often than they are explained
The result is predictable and everywhere: endowment policies bought for a tax deduction, health cover with a room-rent cap nobody mentioned, five funds holding the same forty companies, and a retirement number that has never actually been calculated.
None of this happens because people are careless with money. It happens because the industry is paid to place products, and explaining a product honestly tends to reduce how many of them you place.
We built this practice — and this website — around the opposite bet: that a household given the actual arithmetic makes better decisions than one given a recommendation, and stays a client considerably longer.
How we work
Four commitments, and what each one costs us
01
We show the working
Every calculator on this site prints its formula. Every recommendation comes with the reasoning attached. If you cannot repeat back why you own something, we have not finished explaining it.
02
We say what we are paid
In writing, per product, before you commit. Where a product pays a commission, we disclose it. Where we charge a fee, it is a stated amount agreed in advance. This is the single question that most changes the advice you receive.
03
We will tell you to do nothing
Often the right answer is one small change, or no change at all. A practice that can only make money by selling you something will never say that, which is exactly why it needs saying.
04
We plan for the bad year
Plans are easy to build for a rising market. We test yours against a lost income, a hospital admission and a bad decade, because those are the conditions that decide whether it survives.
How it works
Four stages, and none of them start with a product
01
Understand
Find out where the money actually goes.
Before any product is discussed we build a plain picture of income, fixed obligations, existing cover and what is left over. Most people are surprised by this stage — not by what they spend, but by how much of their savings is already committed to something.
You end up with: A one-page view of income, outgoings and everything already in force.
02
Plan
Put dates and amounts against what matters.
Goals without dates are wishes. We convert each one into a target amount at a target year, adjust it for inflation, and rank them — because almost nobody can fund everything at once, and choosing openly beats choosing by accident.
You end up with: Dated goals, a monthly number against each, and an explicit order of priority.
03
Invest
Match the strategy to the timeline, not the mood.
A goal three years out and a goal twenty years out are not funded the same way. Short horizons go into instruments where the date is certain. Long horizons take equity risk, because thirty years of inflation is the bigger danger. Then the allocation is written down so it survives a bad quarter.
You end up with: A written allocation per goal, with the reasoning attached to each choice.
04
Review
Adjust when your life changes, not when markets do.
Once a year we check whether the plan still matches reality — income, dependants, goals, cover. Contributions step up with income. Allocations get rebalanced back to target. Nothing changes because of a headline.
You end up with: An annual review, a rebalancing rule, and a step-up schedule tied to your income.
Why trust the numbers
Six commitments, no statistics
Every formula is printed
Each calculator shows the equation it runs and the convention it follows. If our number differs from your bank's, you can find out why in one screen.
Assumptions stated up front
Projections depend on an assumed rate. We put that rate in your hands, label it as an assumption, and never present a projection as a promise.
Nothing you type leaves your browser
The calculators run entirely on your device. Salaries, loan balances and rent figures are never transmitted, stored or logged.
Plain language, no jargon tax
If a term needs explaining we explain it in place, or link to the glossary. Complexity in this industry is usually a pricing strategy.
Education before product
You can use every tool here, read every guide and leave without speaking to anyone. There is no gate and no form in the way.
A person answers
When you do want to talk, you get a scheduled conversation with someone who has read your numbers — not a call centre working through a script.
Credentials and disclosures
What you should ask before engaging anyone
Ask for the registration under which advice is given, the scope of that registration, and the exact remuneration on anything recommended — including trail commission that continues for years after the sale.
We provide all of this in writing before you engage us, alongside our terms of business and complaints procedure. If any adviser is reluctant to put those three things in writing, that reluctance is your answer.
This website is a demonstration build. The registration references it describes are placeholders and must be replaced with the practice’s real regulatory particulars, scope of advice and complaints procedure before it goes live.
First conversation
Thirty minutes, no product, no cost.
We ask about your income, obligations and dependants. You ask how we are paid. At the end you get a written view of what to fix first — and you are free to act on it without us.
