[About Us]

Ambica Financial Services started in in the Year 2017 by Nikunj Chhag, Certified Financial Goal Planner. In the year 2023 the business is converted to Flowrich Finserve Private Limited.

Since then there is no turning back and Flowrich Finserve Pvt Ltd Ventured into a complete Bouquet of Wealth Management and Finanical Planning Viz. Goal planning, Retirement planning, Insurance need analysis using various available products like Mutual Funds, Health Insurance, General Insurance, NPS, Bonds etc.


Our Philosophy is to put our Client interest First and we run our practice with Trust and integrity towards our clients.

working closely with India’s top AMCs and distributing unbiased and client-centric mutual fund schemes.

Never recommended and sold a traditional or a ULIP plan to any clients. In future too, we aim to sell only pure Term Insurance plans, Health Insurance plans, Vehicle Insurance policies.

Authorised personal of SMC Global Securities and serving more than 500 clients for their direct stocks trading and investing.



75 Families



Mutual Funds Clients


Our Core Services

Insurance Planning

Before yo do any thing, Take adequate Life insurance, health insurance cover to protect your loved ones with any eventuality

Investment Planning

Next step after Insurance Planning is to plan you investments in such a way to generate inflation beating Returns

Tax Planning

Tax is another monster you must tame to protect your hard money and an effective Tax Planning helps you just that


What our Clients says

  • I am 39 years old. I was not aware about life security, safe investment till 36 Years age. I met Mr. Nikunj at Intas Pharma & he started to guide me on various ways of investment. So, from 2017 I have started SIP of 2k. As on today i have increased it up to 10K. I strongly follow guidance of Mr. Nikunj & I can see the growth of my Investment. So, I can say Flowrich Finserve Pvt Ltd is one of the best service provider.

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    • Akshay Ajbani, Malaysia
  • Flowrich Finserve Pvt Ltd is a reliable firm to get consulting about your financial decision to excel our financial freedom. I have not seen them selling their product or services; rather they customize the services as per customer's need. You can feel love, commitment and depth of required knowledge to cater the services.

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    • Chirag Joshi
    • IT Professional
  • A highly professional financial manager, that has been managing our assets since years. Be it financial goal setting, retirement planning or any other work/advice related to finance/ banking, he is the best man in town. Highly knowledgeable and practical personality.

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    • Bhavin Tilavat
    • Pharma Professional
  • Nikunj and his team deliver truly professional financial planning services and put their clients’ interests first. Overall, the service of Flowrich Finserve Pvt Ltd was fast and efficient. Any queries raised were responded to promptly. I will certainly use their Services again for finance in the future.

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    • Amit Panchasara
    • Apparel Franchisee
  • Flowrich Finserve Pvt Ltd (Nikunjbhai Chhag) always advice policy according to our financial status ,age, and our dream. He provides SIP, Term plan with clear cut well planning...so at least one time contact them. Seek opinion and have discussion with Mr. Nikunj Chhag  and his team to set our financial goal which is very much helpful to all of us.

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    • Vaidya Dilipbhai Kataria,
    • Nadivaidya-Ayurveda Physician
  • Thank you so much for the guidance and counsel over the last 6 months. I valued your deep thinking about the various risk/reward trade-offs involved in the investment case. In simple terms, we feel pleasure to deal with Flowrich Finserve Pvt Ltd

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    • CA Bhumit Shah, SBSG & Co.
[Team member]

Meet Our Team