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Growing Wealth: Shaping Your Future.

At Difco Investment Services, we provide thoughtful financial guidance to help you make informed investment decisions today & work towards your long-term financial goals.
Our Services
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Goal Based Financial Strategies

Smart Strategies today, Lasting Legacy Tomorrow.

Disciplined Asset Allocation

Thoughtfull Allocation today, Sustainable Wealth & Financial tomorrow.

One Point Solution for Personal Finance

Authorized Distributors of Mutual Funds, PMs, AIF, and all insurance Products - Tailored to Your Financial Goals.

Who we are

Why DIFCO Investment Services ?

At DIFCO Investment Services, we believe investing is not about chasing products — it is about making informed choices with transparency and discipline. We serve HNIs, retail investors, entrepreneurs, salaried professionals, and NRIs, helping them explore suitable investment options with clear disclosure of costs and commissions. As an AMFI‑registered Mutual Fund Distributor, our approach emphasizes prudence, diversification, and consistency, keeping clients focused on long‑term objectives rather than short‑term market noise.
Our Mission

Mission To build long‑term financial relationships by distributing products with discipline, diversification, and consistency, while ensuring clear disclosure of costs and commissions in line with AMFI’s Code of Conduct. Motto: “Transparency. Discipline. Trust.”

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Our Clients

What We Do

What Difco Offers to Empower Your Finances.

  • Legacy of 30 + Years with a Mix of young and Experienced Mindset ; Handling more than 600 Crore AUM in Mutualfunds.
  • Personalised Wealth Strategies
  • Trusted by More than 4,000 Families, with Presence in Mumbai , Navsari & Surat.
  • Expertise Across Mutual Funds, AIFs & Startups
  • Transparent approach with no hidden agendas
Consulting
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Accounting

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Advisory

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Corporate

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Ready to Begin Your Financial Journey?

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Why Choose Us

Difco Advantage in Wealth and Investment Services

Goal Based Asset Allocation

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Dedicated CFP Guidance

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Long-term Investing Mindset

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One Point Financial Solution

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What we offer

Smart Solutions Designed to Grow Your Wealth

Mutual Funds

Access to diversified mutual fund schemes across equity, debt, hybrid and passive strategies along with GIFT City Products for NRI`s.

Portfolio Management Services ( PMS )

Facilitating access to SEBI-registered PMS investment strategies.

Alternatives & Specialised Investment Funds ( AIF & SIF )

Opportunities in AIF`s & SiF`s for Investors.

Life Insurance

Risk protection solutions for your family's financial future with simple, affordable life insurance coverage.

Mediclaim & Health Insurance

We help you in selecting the right Health cover that protects your savings.

Fixed Deposits , Bonds & Debentures

Corporate bonds, government securities, fixed deposits & other fixed-income instruments.

financial planner

Your Current Personal Financial Status

Procrastination & Delay

Buying Random Financial Product

Ignoring Goal Based Asset Allocation

Taking Random & Impulsive Decisions

financial planner

With DIFCO Investment Services….

Long-term investing mindset , ignoring daily Market Noise

One Point Solution for All Personal Finance needs

Goal Based Asset Allocation

Hand holding with Dedicated, Qualified & Experienced team.

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financial planner

Hii 👋 Meet your Go - To Personal Finance Man : Mr. Nevil Devang Desai

Mr. Desai is your friend and well‑wisher, passionate about discussing and helping you with personal finance solutions.

Qualified as a Certified Financial Planner, he has been helping and guiding families in managing and growing their finances for the past 10 years.

There are more than Thirty Lakh Distributors of Various Financial Products ; But there are only about 3215 CERTIFIED FINANCIAL PLANNERCM ( CFP® ) in India. Nevil is among them.
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Moments That Matter

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Meet Our Team

Meet the Experts Behind DIFCO Investment Services Success

Mr. Devang Desai

Founder of DIFCO Investment Services and one of the pioneers in the Personal Finance industry in South Gujarat, has been guiding retail investors for over 40 years.

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Mr. Nevil Desai

Certified Financial Planner with over 10 years of experience, he brings fresh perspective and vibrant enthusiasm to the team.

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Mr. Tejas Naik

with a Master’s in Business Economics and over 20 years of experience, brings deep financial expertise that strengthens DIFCO’s ability to deliver complete, client‑focused solutions.

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Mr. Chandresh Limbachia

with strong client‑servicing expertise, he builds trust and ensures every relationship gets personal attention.

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Testimonial

Client Feedback & Reviews

A place to keep your money in safe hands, for comprehensive and well curated advisory. Experience of 40+ years in capital markets is visible in long-term returns on well diversified and risk-adjusted mutual funds.
Jash Naik
Jash NaikEquity Analyst @JP Morgan Khar, Mumbai
I am associated with Difco investments for last 9 years. They give efficient service and guidance. They are professional and honest. I wish them a great success!!
Dr. Santosh Wagh
Dr. Santosh WaghMBBS, Anaesthetist Andheri, Mumbai
I have known Nevil Desai and Tejas Naik for many years. They are very approachable and always available for any discussion , give genuine financial recommendations that are customized to one's need, and their service is prompt and efficient.
Dr. Jigish Gandhi
Dr. Jigish GandhiMBBS, MS (Ophthalmology). Vile Parle, Mumbai
I just wanted to take a moment to sincerely thank you for all the guidance and support you’ve given me regarding my mutual fund investments. Your advice has always been thoughtful, well-explained, and aligned with my goals, which gives me a lot of confidence and peace of mind. What makes it even more special is that this professional relationship is backed by our personal bond. I truly appreciate the honesty, transparency, and care you bring—not just as an advisor, but as someone very close to me. I feel fortunate to have someone I trust so much managing such an important aspect of my financial journey. Looking forward to continuing this journey together.
Ketan Desai
Ketan DesaiProfessor, AB High School, Navsari
We are travel buff with an average upper middle class earning. DIFCO Investment Services has planned our average income so well that we are traveling worldwide since 2012 on our own. The ability of team DIFCO to integrate our 'travel buff' lifestyle into a long lasting plan for retirement financial freedom has given us incredible peace of mind. It’s rare to find a planner who truly listens to what makes life meaningful today while ensuring the future is just as bright. We are truly grateful to DIFCO for letting us enjoy even our impulsive decisions of spending. There are people around who earned may be ten times than us but they lacked in spending may be because of not associated with DIFCO.
Dr. Nina Vaidya
Dr. Nina VaidyaMD Paediatrician, Navsari
We have been investing with the support of DIFCO for the past three generations. With their extensive expertise in mutual funds, equities, medical insurance, and term plans. They offer comprehensive, end-to-end financial planning solutions. Their approach is rooted in trust, integrity, and practical guidance, supported by a well-diversified range of financial instruments. I highly recommend their services-they are among the most reliable and professional advisors in the region.
Jay Desai
Jay Desai
We have been associated with Mr. Devang Desai since my father’s time, and he has been managing my portfolio for the last 18 years. He is very straightforward, honest, and a true gentleman who always gives clear and practical advice. He keeps a close watch on our investments and consistently guides us to stay invested with a long-term approach. His experience and timely recommendations have always been valuable. Overall, a very reliable and trustworthy advisor—great experience working with him.
Rahul Vashi
Excellent service. Excellent in depth knowledge in mutual fund & stock selection. I m associated with DIFCO For 15 years &i m fully Satisfied with their skill Commitment & service . Thanks DIFCO team
Dr. Mayank Shah
Dr. Mayank ShahMD Physician, Surat.
I have known Nevil and Tejas for the past five years, and my parents have known their parents for more than decade. It is inspiring to see them carry forward their family’s legacy while adapting to today’s evolving financial landscape. They are highly professional, knowledgeable, approachable, and genuinely committed to their clients’ financial well-being.
Maunank DesaiNRI, USA
I have the best guidance from Nevil when it comes to my investments. He understands your goals and accordingly makes recommendations to help your portfolio grow. He’s open to the tiniest of questions one may have and ensures you’re convinced of his work.
Brinda Sampat, PhD
Brinda Sampat, PhDProfessor, NMIMS University, Mumbai
Amazing services. Always available on call and client first approach provides personal attention to individual for Wealth Creation
Ankit Shah
Ankit ShahSenior Project Manager, Bank of America, Mumbai
Amazing team of wise and genuine investment advisors. They treat your money like their own and give amazing advice and service. Heavily recommend them.
Amit H. Desai
Amit H. DesaiLeadership Advisor Mumbai
I have had a great experience working with DIFCO INVESTMENT SERVICES. The advice provided has always been timely, accurate, and well-informed, helping me make investment decisions with greater confidence. I truly appreciate the professionalism, responsiveness, and commitment shown in understanding my needs and providing the right guidance at the right time. I would highly recommend their services to anyone looking for reliable and trustworthy investment advice.
Pravesh Doshi
Pravesh DoshiManager at Trafigura, Mumbai.
Common Questions

Frequently Ask Questions.

Why invest through DIFCO?
Legacy of 30 + Years with a Mix of young and Experienced Mindset ; Trusted by More than 4,000 Families for their Transparent approach with no hidden agendas & Personalised Wealth Strategies.
Simply share your goals—whether retirement, education, or wealth creation—and we’ll craft a custom investment roadmap for you.
Not at all. We believe every investor deserves a disciplined plan, whether starting with ₹1,000 or ₹10 lakh.
We will help you in that, the right fund depends on your goal, time horizon, and risk appetite. A financial advisor can help match funds to your needs.
What is a SIP (Systematic Investment Plan)?
A SIP lets you invest a fixed amount regularly in mutual funds, helping you build wealth steadily through discipline and compounding.
Mutual Funds let you invest in a diversified basket of stocks, bonds, or other assets managed by professionals, making it easier to grow wealth without needing deep market expertise. They offer convenience, diversification, and disciplined investing for long‑term financial goals.
Starting to invest is simpler than it sounds: 👉 First, set clear financial goals (like retirement, buying a home, or education). 👉 Then, begin with easy options like SiP`s in mutual funds which let you invest small amounts regularly and grow steadily over time.
Goal-Based Investing means you invest your money with a clear purpose—like saving for retirement, your child’s education, or buying a house—rather than just trying to earn the highest returns. It’s about matching your investments to your life goals and timelines so you know exactly what you’re working toward.
Free Insight

Explore Expert Tips for Financial Growth Today

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DIFCO Investment services is a brand owned by Nevil Desai.
Nevil Desai is a CFP®, and AMFI Registered Mutual Fund Distributor, PMS & SIF Distributor, having:
ARN-115499; Current validity of ARN is from 09-10-2025 to 07-09-2028.
APRN00937; Current validity of APRN is from 28-03-2026 to 27-03-2029.

Disclosures & Disclaimers

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy distributable surplus.

DIFCO Investment Services makes no warranties or representations, express or implied, on products offered through the platform of DIFCO Investment Services. It accepts no liability for any damages or losses, however, caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable. Investments in Securities markets are subject to market risks, read all the related documents carefully before investing.

DIFCO Investment Services is engaged in the distribution of Mutual Fund products. We therefore, earn our commission as a product distributor from the Asset Management Companies (AMCs) and do not charge any additional Fees. Our recommendations are not influenced by the commission earned by us. Details of Scheme level commission on Mutual funds are available and would be produced on demand.