The story behind the guidance
From confused first-time borrower to a finance educator trusted by 2,480+ people — here’s how Dinesh built a practice around clarity over pressure.
MBA Finance. AMFI Registered. 8+ years on the ground.
Dinesh Kotadiya began his career helping small business owners in Surat navigate confusing loan paperwork. What he noticed again and again: people weren’t making bad financial decisions because they were careless — they simply hadn’t been taught how the system works.
That observation became a mission. Today, as an AMFI-registered Mutual Fund Distributor (ARN-307238) operating under MD Financial Services, Dinesh combines formal finance training with plain-language content — reaching a growing Gujarati and Hindi-speaking audience across YouTube, Instagram, and WhatsApp.
What drives the work
Mission
To make financial literacy accessible and practical for Tier 2 & Tier 3 India — explaining every loan and investment decision before ever recommending one. Education first, always.
Vision
To become one of India’s most trusted personal finance educators, and to build a fintech platform that scales honest, transparent financial guidance to thousands more families.
Milestones so far
MBA in Finance completed
Built the technical grounding behind every piece of advice shared today.
Began DSA & loan advisory work
Years of hands-on experience with lenders, documentation, and real client cases.
Registered as Mutual Fund Distributor
ARN-307238, formalizing investment guidance under MD Financial Services.
Launched Financial Galaxy on YouTube
500+ educational videos published in Hindi & Gujarati.
Customers guided and counting
Across loans, mutual funds, SIPs, and financial planning.
Building toward a fintech platform
Technology-driven guidance, at scale, without losing the personal trust.