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Mr. Harsh Punjabee

Achiever's Success Story

Smest – The Smart Investor’s Choice

The journey began in the classrooms of a college in Mumbai where Mr. Harsh Punjabee and Mr. Mithil Jain met almost 20 years ago. A broker then had newly introduced a trading platform, which intrigued the two students of business management. Pooling their coffee-money, they began intraday trading in equities and ended up washing away their investments to nil but taking away two very important lessons in life – there is no recipe to become an overnight millionaire and second, approach with the right learning to a speculative industry.


Thus,the two young entrepreneurs entered in the Debt Capital Markets of India where they began gaining insights and understanding the yield curve of India’s GSec market. An immensely capital-intensive industry with capital being one of the biggest barriers to entry, Mr. Harsh and Mr. Mithil began trading in debt instruments on broker’s limits building robust relationships with various financial institutions and clientele.

Smest Advisory Private Limited was incorporated on 2nd July 2019 with a laser sharp focus to bring debt instruments such as corporate bonds, government securities, SDLs, Treasury Bills accessible to the retail investors at institutional prices. Smest coined by the two words Smart + Investor has access to trading limits to INR 500 crores through which they’re able to purchase larger quantums of instruments and sell them in investable lots to retail clients.

Smest provides not only a platform for individuals to make investments or liquidate their corporate bond portfolios but also have access to a knowledge base of resources to understand the debt markets from a layman perspective. Within a short span of 2 years, Smest has been able to empanel with 150+ financial institutions and created a client base of thousands of individual investors, UHNI clients, Family Offices, Financial & Wealth Advisors. Mr. Harsh and Mr. Mithil are encouraging more distributors to include debt instruments as an asset class in their product vertical.

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Bank Name: Kotak Mahindra Bank
Branch: Mayur Vihar-I, Delhi -110091

IFSC CODE :  KKBK0000203
MICR No.: 110485046


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