Shibu Kunjappy

Shibu Kunjappy is a SEBI Registered Investment Adviser practicing as a fee-only financial planner with a strong belief in unbiased, ethical, and conflict-free advice. His academic background is diverse and global, holding a Bachelor of Engineering from Ravishankar University, Raipur, an MSc from the University of Bath, and an MBA from Heriot-Watt University. This combination of technical, analytical, and managerial education forms the foundation of his structured and thoughtful approach to personal financial planning.

Shibu’s journey into financial advisory began with his own mutual fund investments in 2005, which gradually developed into a deep interest in personal finance. This interest led him to formally qualify in the field by clearing the NISM Investment Adviser (Level XA & XB) examinations, along with the NISM Research Analyst certification.

Based in Bhilai, Chhattisgarh, Shibu offers his services to resident individuals, families, and NRIs across locations, using audio and video calls as well as email-based consultations. He firmly believes that financial planning is for everyone, irrespective of income levels, and that starting early significantly improves the chances of achieving financial goals. Reflecting this belief, he offers discounted fees for clients with lower income or net worth. Shibu is equally comfortable advising clients in English and Hindi, ensuring accessibility and clarity in every interaction.