About Us
Why Pandey Consultancy exists
Most Indian families are sold products they do not fully understand — by people they never hear from again. We built this practice to be the opposite of that.
Our story
Pandey Consultancy is run by Naveen Kumar Pandey from Keshav Nagar in Lucknow, and trades under the GST name Pandey Financial and Wellness Services. It started with a simple observation: the same family that carefully compares the price of vegetables will sign a fifteen-year insurance policy without reading a single line of it. Not because they do not care — but because nobody ever explained it in a way that made sense.
The work sits across three areas that all point at the same thing: a family that stays well and stays financially secure. On the money side, Naveen Kumar Pandey is an AMFI-registered mutual fund distributor (ARN-276664) and a licensed agent for Max Life Insurance, Bajaj Allianz General Insurance and Care Health Insurance. On the health side, he is an Ayurveda Health Advisor and an independent direct seller of Asclepius Wellness Private Limited, offering 252 Ayurveda-inspired products across 15 categories.
We sit with people at their kitchen table, in Hindi or English, and we go through the numbers until they are the ones explaining it back to us. That is when we know the job is done.
We charge nothing for advice. On mutual funds and insurance we earn a commission from the fund house or the insurer, which is already built into the product — and we tell you that upfront, every time.
At a glance
- Proprietor
- Naveen Kumar Pandey — AMFI-registered Mutual Fund Distributor, Licensed Insurance Agent, Ayurveda Health Advisor
- Trading name
- Pandey Financial and Wellness Services (GSTIN 09ADUPP9793Q1ZT)
- Mutual funds
- AMFI ARN-276664 · EUIN E521164
- Insurance
- Max Life · Bajaj Allianz General · Care Health
- Wellness range
- 252 products across 15 categories
- Consultation fee
- ₹0 — we are paid by the product provider
- Languages
- Hindi and English
- Where we work
- In person in and around Lucknow, and across India by phone, WhatsApp and video call
- Office
- C-501, 5th Floor, Sopan Enclave, Priyadarshini Yojna, Keshav Nagar, Sitapur Road, Lucknow, Uttar Pradesh 226020
- Working hours
- Monday to Saturday, 10:00 am – 7:00 pm
Credentials
Registrations you can check yourself
Before you take advice from anybody about your money, you should be able to verify that they are licensed to give it. Here is everything, with the numbers.
ARN-276664
AMFI
AMFI Registered Mutual Fund Distributor, in the name of Naveen Kumar Pandey.
MAX26878A
Max Life Insurance
Appointed 24 March 2022. Authorised to solicit Max Life Insurance products.
BAG10104147
Bajaj Allianz General Insurance
Appointed 19 June 2025 under the IRDAI Agent Guidelines, 2015.
RLH20473612
Care Health Insurance
Issued 29 March 2022. Authorised to sell Care Health Insurance products.
09ADUPP9793Q1ZT
Government of India
Registered in the trade name Pandey Financial and Wellness Services, effective 1 April 2026.
Registered in the name of Naveen Kumar Pandey, Proprietor, Pandey Financial and Wellness Services. Ask us for a copy of any of these at any time.
How we work
Four things we will not compromise on
Plain language, always
If we cannot explain a product to you in words you already use every day, we have not understood it well enough ourselves.
Suitability before sales
We ask about your income, your family and your existing commitments first. Some conversations end with us telling you that you do not need anything.
The risk gets said out loud
Markets fall. Claims get rejected for hidden facts. We say these things before you sign, not after.
We are still there afterwards
Renewal reminders, portfolio reviews, re-orders and claim help. The relationship starts at the sale, it does not end there.
Being clear
What we are — and what we are not
We are not Asclepius Wellness
Pandey Consultancy is an independent direct seller of Asclepius Wellness Private Limited products. We are not the company, we are not its official website, and we cannot make statements on its behalf. All Asclepius brand names, product names, packaging and images belong to Asclepius Wellness Private Limited. For official information, please visit asclepiuswellness.com.
We are a distributor, not a manufacturer or an insurer
We do not manufacture any product, we do not manage any mutual fund scheme, and we do not underwrite any insurance risk. We help you choose between what is available, and we handle the paperwork and the follow-up. Your money always goes directly to the fund house, the insurance company or the manufacturer — never to us.
We are not doctors, and we do not give medical advice
The wellness products we supply are Ayurvedic and general-use products. They are not medicines and they do not treat or cure disease. For anything medical, please see a qualified doctor.
The full disclaimer is on our disclaimer page.
Everyday conversations
What support can look like
These are illustrative examples showing the kind of work we do, not real client feedback. We publish a client's words only with their permission.
I had never invested before and I was scared of the share market. Pandey ji explained SIP in Hindi, showed me on paper what happens if the market falls, and we started with an amount I did not even feel.
My family health policy was about to lapse and I had completely forgotten. I got a reminder call, the renewal was done the same day on WhatsApp, and it took ten minutes.
Ordering the wellness products is simple — I send one WhatsApp message and the order reaches home. Sealed packs, company MRP, no extra charge on top.
He did not push the costliest plan on me. He first asked my income and my children's ages, then suggested a term plan that fits my budget. That is why I trust him.
We run a small shop, so our income is not the same every month. He set up the SIP so I can pause it in a slow month instead of stopping it altogether.
What I liked is that he told me clearly what the products are not. No promises of curing anything — just honest advice to keep taking my doctor's medicines.
Ready when you are
Not sure where to begin?
Tell us what you need. We will explain your options in simple language — no charges, no pressure to buy.