Transparency
Complete clarity on costs, risks and strategies, explained before you decide.
About us
Simplifying finance for individuals, families and businesses
Get to know ProsperEdge Financial Services and Ritesh Kumar, the person behind it: who we are, what we believe and how we work with you.
Who we are
Personal guidance to build, protect and grow your wealth
ProsperEdge Financial Services is a financial services firm dedicated to helping individuals and families make informed and confident financial decisions.
We provide personalised guidance in financial planning, mutual fund investment, retirement planning, tax-efficient investing and portfolio review. Our approach is simple and practical: we begin by understanding your financial goals, current investments, cash flows and risk profile, and then recommend suitable strategies designed to help you build, protect and grow your wealth over time.
We believe financial planning should be transparent and easy to understand. Wherever you are today, we work with you to create a structured roadmap tailored to your needs:
- Starting your investment journey
- Reviewing your existing portfolio
- Planning for long-term goals such as retirement or your children’s education
The person behind ProsperEdge
Meet Ritesh Kumar
Ritesh Kumar is a financial planning professional and investor educator, dedicated to helping individuals and families make informed financial decisions.
He holds a B.Com from IGNOU and a PGDM in Securities Markets from the National Institute of Securities Markets (NISM), an institution established by SEBI to build capacity in India’s financial markets.
He has qualified the NISM Series X-A and Series X-B certification examinations and holds multiple NISM certifications across various areas of the securities market. A proud alumnus of Jawahar Navodaya Vidyalaya (JNV), he combines a strong academic foundation with practical experience in financial planning, mutual fund investment and portfolio review.
Over the years, he has:
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Conducted seminars and webinars on financial awareness and investment education.
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Guided individuals and families in organising their finances and working toward their long-term goals.
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Reviewed client portfolios across mutual funds, equities, debt instruments, insurance and retirement products.
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Helped clients build disciplined, goal-based investment strategies aligned with their risk profile and objectives.
Journey
Milestones along the way
From the first step in financial services to ProsperEdge Financial Services today.
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2016
Started a career in finance
Took the first step into finance and began I.Com (Intermediate in Commerce).
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2018–2021
B.Com
Completed a Bachelor of Commerce at Indira Gandhi National Open University (IGNOU).
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2022–2024
PGDM (Securities Markets) & NISM certifications
Completed the Post Graduate Diploma in Management (Securities Markets) at the National Institute of Securities Markets (NISM), an institution established by SEBI, and cleared NISM certification examinations including Series X-A and X-B.
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2024
ProsperEdge Financial Services Private Limited
Incorporated in April 2024 under the Companies Act, 2013, and registered with AMFI as a mutual fund distributor (ARN-295056), to offer personal, goal-based financial planning.
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2025
Independent Director’s Databank
Registered in the Independent Director’s Databank of the Indian Institute of Corporate Affairs (IICA), Ministry of Corporate Affairs (Reg. no. IDDB-NR-202504-071186).
View certificate
What we stand for
Our mission and values
Our mission is to simplify finance and empower our clients with the clarity and confidence needed to achieve long-term financial well-being.
Client first
Your financial goals are our mission. We put your interests above everything else.
Knowledge-driven
Backed by NISM certification and continuous learning in India’s evolving financial markets.
Trust & integrity
Your financial information and data are handled with the strictest confidentiality.
How we work
Our approach
A structured, three-step process designed to give you clarity, confidence and continuity in your financial journey.
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STEP 01
Analyse your finances
We begin by understanding your financial goals, current investments, cash flows and risk profile to get a complete picture of where you stand today.
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STEP 02
Recommend a suitable strategy
Based on our analysis, we recommend a personalised roadmap covering investments, insurance, tax efficiency and retirement, tailored to your specific goals and timeline.
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STEP 03
Continuous support & review
We stay with you through every market cycle, monitoring your portfolio, reviewing progress and adjusting your plan as your life and goals evolve.
Why ProsperEdge
Peace of mind, built into how we work
Trust is earned through clear, simple practices. These apply to every client we work with.
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Free initial consultation
Your first conversation is free, in person, online or by phone, and you decide whether to invest.
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Investments in your own name
Every investment is made in your own name, directly with the fund house.
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Payments go straight to the fund house
Money moves from your bank account directly to the fund house. We never accept cash or payments into a personal account.
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We never ask for OTPs or passwords
No one from ProsperEdge will ever ask for your OTP, PIN or login passwords.
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KYC through registered KRAs
Your KYC is completed through SEBI-registered KYC Registration Agencies (KRAs).
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No promises of fixed returns
Mutual fund returns are market-linked. We explain the risks and never promise fixed or guaranteed returns.
How we are paid
We are an AMFI-registered mutual fund distributor. We are paid by the mutual fund houses (AMCs) as commission on investments made through us in the regular plans of their schemes. You do not pay us any separate fee. The commission is part of the scheme’s expense ratio, which is shown in the scheme documents.
Verify our registration
Our AMFI registration (ARN-295056) can be checked on AMFI’s Locate a Distributor page.
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Free initial consultation
Let’s build your financial future together
Book a free consultation with Ritesh Kumar and take the first step toward your goals.