About Us


An insurance services only firm, is a sister concern of Karthika Investzone Consultants Pvt. Ltd. (KICPL) established in 2007.

The founders of KICPL and the Principal Officer of KI come from a family that has a strong background in insurance with over 45 years of experience that spans the most dynamic era of developments in the field of insurance.

S Ramakrishnan Nair

Chairman – KICPL


The success and sustainability of every organization lie on its Founder and his/her values and foresight. KICPL has also the same story. Mr. Nair started insurance advisory in Bangalore in the year 1971. It was his hard work and conviction helped him to succeed and become one of the star performers of Life Insurance Corporation of India, Bangalore. His discipline and humility at work is commendable and it has laid a strong foundation for KICPL. He is currently mentoring the team behind KICPL and KI.

R Unnikrishnan

Chief Mentor & Financial Controller - KI
Managing Director - KICPL


Mr. Unnikrishnan has rich experience since 1995 in the investment services spectrum. He is an expert in Insurance Advisory and consulting in Mutual Fund Industry. He possesses excellent communication and interpersonal skills. He started his career as an insurance advisor. He founded KICPL in 2007 under the guidance of Mr. Nair and it has evolved into a full spectrum investment consulting services company with offerings like, Life Insurance, General Insurance, Mutual Funds, Equity trading, Bonds, Government Securities and many more. He is a Chairman’s club member in Life Insurance Corporation of India and a member of prestigious Million Dollar Round Table (MDRT).

R Harikrishnan

Principal Officer – Karthika Insurance


Mr. Harikrishnan post graduated from NIFT, New Delhi. He was awarded the Gold Medal from the then President of India Dr. APJ Abdul Kalam for the Academic Excellence. He has over 12 years of experience working on events like Fashion Weeks, product launches, international exhibitions and in his last assignment was with TIC. At TIC he managed the T1 Truck Racing Event for the first time in India, which was awarded the Best Event of 2014 and 2015. He joined KICPL in 2014 and subsequently launched Karthika Insurance in 2015.