Namaste! I am Shivam Modanval, the founder of TheFrugalAdvisorCo.
Our Roots and Vision
The foundation of TheFrugalAdvisorCo was laid in 2024 in the historic city of Prayagraj, Uttar Pradesh. After spending over 6 years in the financial heart of India—specializing in Risk Management at Home Credit and serving as a Credit Report Analyst at Paisabazaar—our founder realized that people in Tier 2, Tier 3 cities, and villages were often left behind or misled by complex financial jargon.
We spent 2024 building our partnerships and refining our mission: to bring professional-grade financial guidance to every doorstep in our region.
Founded by a Google-certified digital professional to ensure a smooth, modern experience.
A Promise from Our Founder
"In a world of "instant approvals" and hidden charges, we choose to stay realistic and honest. We won't promise you a loan if your eligibility doesn't match, and we won't suggest an insurance policy that you don't need."
Why We Started TheFrugalAdvisorCo
Many people fear hidden charges, high interest rates, or getting rejected because they don't understand their CIBIL report. We founded this company to bridge that gap
What We Do
(And What We Don’t)
was born out of a mission to bring transparency to financial services. We are a registered MSME (Udyam) consultancy.
We are your authorized referral and consulting partners. We use our expertise to guide you through the offerings of trusted platforms like ZET and Turtlemint, Turtelmint Money (where we serve as an authorized POS partner).
We Don’t Lend: We are NOT a bank, NBFC, or insurance company. We do not provide money or policies directly.
We believe guidance should be accessible. We do NOT charge any fees from our users for our consulting or referrals.
Go-Live: 2025
Experience: 6+ Years in Finance & Risk Management.Our Mission
"To empower individuals and small businesses in India's heartlands with the right financial tools and honest guidance, ensuring no one pays extra for the credit or protection they deserve."
Our Digital Marketing & Consulting
Alongside financial guidance, we also support individuals and small businesses with basic digital marketing and online presence.
We are certified in Google Digital Marketing fundamentals, which helps us understand how businesses can grow online in a practical and structured way. Our approach is simple—we guide businesses in setting up their digital presence, improving visibility, and understanding the basics of online marketing.
We do not make unrealistic promises or guarantees. Our focus is on providing honest guidance, especially for small businesses in Tier 2 and Tier 3 cities who are just getting started.
Why Trust TheFrugalAdvisorCo?
For Individuals (B2C)
Whether you are looking for your first Credit Card, a Personal Loan for an emergency, or a Health Insurance policy for your parents, we help you understand your eligibility first. We guide you through the digital application process on our partner platforms so you don't make mistakes that hurt your CIBIL score.
More DetailsFor Businesses (B2B)
We provide basic consulting and support solutions for businesses looking to streamline their financial touchpoints, and also assist them in understanding digital tools and online growth through simple, practical guidance.
More DetailsOur goal is simple: Sahi Salah, Sahi Samay Par (The right advice at the right time). When you click a link on our site or book a call with us, you aren't just a "lead"—you are a member of our community, and your financial health is our priority.
Have a question? Let’s talk. We are here to guide you.