About FactFinances
Clarity beats hype.
FactFinances helps everyday Indians understand and act on their money — mutual funds, the stock market, insurance, and personal finance — explained clearly, without hype. We don’t just teach the concepts; as registered intermediaries, we also help you access the right products through proper, licensed channels.
Why we started
Most financial content aimed at young Indians is noise — flashy reels promising daily profits, tips disguised as education, and confusion dressed up as expertise. We believe people deserve better: the actual concepts, the real risks, and the discipline behind building wealth and protecting your family over time. Our tagline says it best — Invest in Knowledge, Transform Your Finances.
Who writes FactFinances
I’m Ujjwal Tiwary. Since 2018 I’ve worked in Ranchi and Deoghar with families on mutual funds, insurance and income tax returns. FactFinances is where I write down what I explain to clients every day: how a product actually works, what it really costs, and when it’s the wrong choice.
I write or personally review every article on this site, and I correct it when the rules change.
| Credential | Details |
|---|---|
| AMFI-registered Mutual Fund Distributor | ARN-144500. Anyone can verify it on AMFI’s distributor search. |
| NISM Series V-A: Mutual Fund Distributors | Certified since March 2018; current certification valid to April 2027 |
| Authorised Person, Angel One (NSE) | Approved by NSE in December 2019 for the cash and F&O segments; demat and trading account opening |
| Insurance | Life, health and general cover, through a licensed agency partnership |
| Income tax returns | Preparation and filing for individual clients |
What I’m not: a SEBI-registered investment adviser or research analyst. I don’t give buy/sell calls, stock tips or personalised advice on this site, and where I earn commission I say so.
So whether you want to start a SIP, open a demat account, or get the right insurance cover for your family, we can guide you clearly and help you act on it through registered channels — while our content stays strictly educational.
What we cover
- Mutual Funds & SIPs — how they work and how to invest with clarity, not guesswork
- Stock Market & Demat — the concepts and discipline behind real investing
- Life & Health Insurance — protecting your family’s finances with the right cover, chosen with clear, jargon-free guidance
- Personal Finance — budgeting, goal-setting, and long-term wealth building
Our promise on honesty
Everything on this site is for education only and is never personalised investment advice. We don’t give buy/sell calls or promise returns. Where we earn commission as a mutual fund distributor, sub-broker, or insurance intermediary, we disclose it openly. (See our Disclaimer and Affiliate & Distribution Disclosure.)
Want to start investing, open a demat account, or get the right insurance cover?
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. Insurance is the subject matter of solicitation.