For Col Ramanand Ramdas Kamat, financial goals were always important, but the path wasn’t always clear.
Over the years, he diligently saved in bank accounts, invested in property, and dabbled in IPOs from 2002 to 2004, and began mutual fund investments through a friend around 2010.
Yet, despite these efforts, his portfolio felt loosely structured, and the expected gains were often elusive. What he needed was a financial plan for structured wealth management and a partner who could bring discipline, clarity, and long-term direction to his financial journey.
Trust Built Through Credibility
Col Kamat’s association with Hum Fauji Initiatives (HFI) began when he heard about the organisation from an Army coursemates’ group.
The initial experience was steady, but what quickly stood out was the organisation’s credibility. Transparent systems, structured communication, and professional processes gave him the confidence to stay the course.
From Scattered Investments to a Clear Roadmap
With HFI, Col Kamat moved away from unstructured investing towards a more organised approach. The team helped bring his financial goals together in a solid financial plan as per his goals and investment horizons. His financial planner at HFI also aligned his investments with long-term objectives.
Regular reviews and structured rebalancing were done to ensure that his portfolio was no longer left to chance but guided by thoughtful planning.
What also impressed Col Kamat was HFI’s proactive approach – bringing in new ideas, tools, and initiatives to help clients plan better. He deeply values the way these efforts keep clients engaged and informed.
A partnership of trust
For Col Kamat, HFI is more than a financial advisory firm.
In his words, team HFI is now “a trusted partner that brings systems, structure, and transparency to wealth management. What began as an exploration through a peer group has grown into a long-standing association built on credibility and trust.”
