RISCHThe Firm
Clear thinking aboutyour money.
A Bengaluru wealth firm, started in 2014 by a career private banker. Fewer products, clear reasons for each one, and one person you can call.
01The founder
Rishiraj Maheshwari
Founder & Chief Executive Officer
Wealth deserves a higher standard of stewardship.
Rishiraj founded RISCH Wealth in 2014 on one conviction: wealth management must go beyond products and market cycles, and become a disciplined, enduring partnership built around the client’s interests.
Over two decades in India’s private banking and institutional wealth management, he has worked with promoters, corporate leaders and ultra-high-net-worth families on asset allocation, business liquidity and the passing of wealth between generations. At RISCH he leads the investment philosophy and multi-asset allocation: a clear view of risk, diversification, valuation discipline and a margin of safety.
- 20+
- years in private banking
- 6
- institutions
- 2014
- founded RISCH
Experience
Before founding RISCH in 2014, Rishiraj spent two decades in private banking at Nuvama Private Wealth (Family Office), ICICI Securities (Private Wealth Management), RBS (Royal Bank of Scotland, Wealth Management), Edelweiss Financial Services and Indiabulls Securities Ltd.
Education
- MBA, Marketing & SystemsCanara Bank School of Management Studies, University Department, Bangalore
- Bachelor of Computer ApplicationsPrestige Institute of Management & Research
02The co-founder
Kratika Maheshwari
Co-Founder & Chief Client Experience Officer
A decade with HNI clients.
Kratika leads the RISCH client experience end to end: relationship management, portfolio reviews, reporting and day-to-day service, so that every client relationship is proactive, transparent and personal.
More than ten years in private banking at HDFC Bank, ICICI Securities and Kotak Securities, managing HNI portfolios and cross-border relationships, taught her that how a portfolio is experienced matters as much as how it is built: the cadence of reviews, the clarity of reporting and the speed of execution.
- 10+
- years in private banking
- 3
- private banks
- MBA
- in Finance
Experience
Before co-founding RISCH, Kratika spent more than ten years in private banking at HDFC Bank, ICICI Securities and Kotak Securities.
Education
- MBA, FinanceChrist University
- BBMCenter for Management Studies, Jain (Deemed-to-be University)
- SchoolingBishop Cotton Girls’ School, Bengaluru
03How we work
Four principles, applied the same way every time.
- 01
Ability before willingness
Capacity sets the boundary. Willingness never overrides it.
- 02
No proprietary product
No fund of our own to place. Recommendations align to the client, not a shelf.
- 03
Disclosure before commitment
Worst case shown before a rupee is funded, not after.
- 04
Bounded deviation
Any override is recorded, justified, and signed by both parties.
04Governance & standing
Written down, clear and accountable.
- 018-point diagnostic
Scored separately, every time.
- 02Conflict walls
Managed separately.
AMFI-registered Mutual Fund Distributor. Registered with APMI (Association of Portfolio Managers in India) as a Distributor of Portfolio Management Services. Distributor of Alternative Investment Funds (AIF).
In practice: the mutual funds, portfolio management services and alternative investment funds we recommend are run by their own SEBI-registered asset managers, portfolio managers and fund managers. RISCH helps you choose them, arranges the investment and reviews the portfolio with you over time.
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