{"id":11,"date":"2026-04-12T07:42:33","date_gmt":"2026-04-12T07:42:33","guid":{"rendered":"https:\/\/krutiassociates.com\/?page_id=11"},"modified":"2026-04-12T08:32:09","modified_gmt":"2026-04-12T08:32:09","slug":"home","status":"publish","type":"page","link":"https:\/\/krutiassociates.com\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\t\t\t\t\n\n\n\n\nKruti Associates \u2014 Financial & Business Growth Partner, Yavatmal<\/title>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Nunito:wght@400;500;600;700;800&family=Lora:ital,wght@0,400;0,600;1,400&display=swap\" rel=\"stylesheet\">\n<style>\n :root {\n --navy: #1A3C6E;\n --navy-dark: #0f2548;\n --navy-light: #2a5298;\n --gold: #F5A623;\n --gold-dark: #d4891a;\n --gold-light: #fbbf5a;\n --white: #ffffff;\n --off-white: #f8f6f1;\n --text: #1a1a2e;\n --text-muted: #5a6a82;\n --text-light: #8a9ab5;\n --border: #e2e8f0;\n --green: #25D366;\n }\n\n * { margin: 0; padding: 0; box-sizing: border-box; }\n\n html { scroll-behavior: smooth; }\n\n body {\n font-family: 'Nunito', sans-serif;\n color: var(--text);\n background: var(--white);\n overflow-x: hidden;\n }\n\n \/* \u2500\u2500 NAVBAR \u2500\u2500 *\/\n nav {\n position: fixed; top: 0; left: 0; right: 0; z-index: 1000;\n display: flex; align-items: center; justify-content: space-between;\n padding: 0 5%;\n height: 70px;\n background: rgba(26,60,110,0.97);\n backdrop-filter: blur(10px);\n border-bottom: 1px solid rgba(245,166,35,0.2);\n transition: all 0.3s;\n }\n .nav-logo {\n display: flex; align-items: center; gap: 10px; text-decoration: none;\n }\n .nav-logo-icon {\n width: 38px; height: 38px; background: var(--gold);\n border-radius: 8px; display: flex; align-items: center; justify-content: center;\n }\n .nav-logo-icon svg { width: 22px; height: 22px; fill: var(--navy); }\n .nav-logo-text { color: var(--white); font-weight: 800; font-size: 18px; line-height: 1.1; }\n .nav-logo-sub { color: var(--gold); font-size: 10px; font-weight: 500; letter-spacing: 0.12em; text-transform: uppercase; }\n .nav-links { display: flex; align-items: center; gap: 8px; }\n .nav-links a {\n color: rgba(255,255,255,0.82); text-decoration: none;\n font-size: 14px; font-weight: 600; padding: 6px 14px;\n border-radius: 6px; transition: all 0.2s;\n letter-spacing: 0.02em;\n }\n .nav-links a:hover { color: var(--white); background: rgba(255,255,255,0.1); }\n .nav-cta {\n background: var(--gold) !important; color: var(--navy) !important;\n font-weight: 700 !important; border-radius: 8px !important;\n padding: 8px 18px !important;\n }\n .nav-cta:hover { background: var(--gold-light) !important; }\n .hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px; }\n .hamburger span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: all 0.3s; }\n\n \/* \u2500\u2500 HERO \u2500\u2500 *\/\n .hero {\n min-height: 100vh;\n background: linear-gradient(145deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);\n display: flex; align-items: center;\n padding: 100px 5% 60px;\n position: relative;\n overflow: hidden;\n }\n .hero::before {\n content: '';\n position: absolute; inset: 0;\n background-image: radial-gradient(circle at 70% 50%, rgba(245,166,35,0.08) 0%, transparent 60%),\n radial-gradient(circle at 10% 80%, rgba(245,166,35,0.05) 0%, transparent 40%);\n }\n .hero-geo {\n position: absolute; right: -80px; top: 50%; transform: translateY(-50%);\n width: 600px; height: 600px; opacity: 0.06;\n border: 2px solid var(--gold);\n border-radius: 50%;\n }\n .hero-geo::before {\n content: ''; position: absolute; inset: 40px;\n border: 2px solid var(--gold); border-radius: 50%;\n }\n .hero-geo::after {\n content: ''; position: absolute; inset: 80px;\n border: 2px solid var(--gold); border-radius: 50%;\n }\n .hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; max-width: 1200px; margin: 0 auto; width: 100%; position: relative; z-index: 1; }\n .hero-badge {\n display: inline-flex; align-items: center; gap: 8px;\n background: rgba(245,166,35,0.15); border: 1px solid rgba(245,166,35,0.3);\n color: var(--gold-light); font-size: 12px; font-weight: 700;\n padding: 6px 16px; border-radius: 50px; letter-spacing: 0.08em;\n text-transform: uppercase; margin-bottom: 24px;\n animation: fadeUp 0.6s ease both;\n }\n .hero-badge span { width: 6px; height: 6px; background: var(--gold); border-radius: 50%; }\n .hero h1 {\n font-family: 'Lora', serif;\n font-size: clamp(32px, 4vw, 52px);\n font-weight: 600; line-height: 1.2;\n color: var(--white); margin-bottom: 20px;\n animation: fadeUp 0.6s 0.1s ease both;\n }\n .hero h1 em { color: var(--gold); font-style: italic; }\n .hero-desc {\n font-size: 16px; color: rgba(255,255,255,0.72); line-height: 1.75;\n margin-bottom: 36px; max-width: 480px;\n animation: fadeUp 0.6s 0.2s ease both;\n }\n .hero-btns { display: flex; gap: 14px; flex-wrap: wrap; animation: fadeUp 0.6s 0.3s ease both; }\n .btn-primary {\n background: var(--gold); color: var(--navy);\n padding: 14px 28px; border-radius: 10px;\n font-weight: 800; font-size: 15px; text-decoration: none;\n transition: all 0.2s; display: inline-flex; align-items: center; gap: 8px;\n border: none; cursor: pointer;\n }\n .btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); }\n .btn-secondary {\n background: rgba(255,255,255,0.1); color: var(--white);\n padding: 14px 28px; border-radius: 10px;\n font-weight: 700; font-size: 15px; text-decoration: none;\n transition: all 0.2s; display: inline-flex; align-items: center; gap: 8px;\n border: 1px solid rgba(255,255,255,0.25); cursor: pointer;\n }\n .btn-secondary:hover { background: rgba(255,255,255,0.18); transform: translateY(-2px); }\n .btn-whatsapp {\n background: var(--green); color: var(--white);\n padding: 14px 28px; border-radius: 10px;\n font-weight: 800; font-size: 15px; text-decoration: none;\n transition: all 0.2s; display: inline-flex; align-items: center; gap: 8px;\n border: none; cursor: pointer;\n }\n .btn-whatsapp:hover { background: #1dab52; transform: translateY(-2px); }\n\n .hero-cards { animation: fadeUp 0.6s 0.4s ease both; }\n .hero-stat-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }\n .hero-stat {\n background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12);\n border-radius: 14px; padding: 20px;\n transition: all 0.3s;\n }\n .hero-stat:hover { background: rgba(255,255,255,0.12); transform: translateY(-3px); }\n .hero-stat-icon {\n width: 40px; height: 40px; background: rgba(245,166,35,0.15);\n border-radius: 10px; display: flex; align-items: center; justify-content: center;\n margin-bottom: 12px;\n }\n .hero-stat-icon svg { width: 20px; height: 20px; fill: var(--gold); }\n .hero-stat-num { font-size: 26px; font-weight: 800; color: var(--white); line-height: 1; }\n .hero-stat-label { font-size: 12px; color: rgba(255,255,255,0.6); margin-top: 4px; font-weight: 500; }\n\n \/* \u2500\u2500 STATS BAR \u2500\u2500 *\/\n .stats-bar {\n background: var(--gold);\n padding: 18px 5%;\n display: flex; justify-content: center; gap: 0; flex-wrap: wrap;\n }\n .stat-item {\n display: flex; align-items: center; gap: 10px;\n padding: 8px 32px; border-right: 1px solid rgba(26,60,110,0.2);\n }\n .stat-item:last-child { border-right: none; }\n .stat-item svg { width: 22px; height: 22px; fill: var(--navy); flex-shrink: 0; }\n .stat-item-text { font-size: 13px; font-weight: 700; color: var(--navy); line-height: 1.3; }\n .stat-item-sub { font-size: 11px; font-weight: 500; color: rgba(26,60,110,0.7); }\n\n \/* \u2500\u2500 SECTIONS SHARED \u2500\u2500 *\/\n section { padding: 90px 5%; }\n .container { max-width: 1200px; margin: 0 auto; }\n .section-tag {\n display: inline-block; font-size: 11px; font-weight: 700;\n letter-spacing: 0.12em; text-transform: uppercase;\n color: var(--gold-dark); background: rgba(245,166,35,0.12);\n padding: 5px 14px; border-radius: 50px; margin-bottom: 14px;\n border: 1px solid rgba(245,166,35,0.25);\n }\n .section-title {\n font-family: 'Lora', serif;\n font-size: clamp(26px, 3vw, 40px);\n font-weight: 600; color: var(--navy);\n line-height: 1.25; margin-bottom: 14px;\n }\n .section-title em { color: var(--gold-dark); font-style: italic; }\n .section-desc { font-size: 16px; color: var(--text-muted); line-height: 1.75; max-width: 560px; }\n .section-header { margin-bottom: 52px; }\n .section-header.center { text-align: center; }\n .section-header.center .section-desc { margin: 0 auto; }\n\n \/* \u2500\u2500 SERVICES \u2500\u2500 *\/\n .services-bg { background: var(--off-white); }\n .services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 24px; }\n .service-card {\n background: var(--white); border-radius: 16px;\n padding: 32px 28px; border: 1px solid var(--border);\n transition: all 0.3s; cursor: pointer; position: relative; overflow: hidden;\n }\n .service-card::before {\n content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;\n background: var(--gold); transform: scaleX(0); transform-origin: left;\n transition: transform 0.3s;\n }\n .service-card:hover { transform: translateY(-6px); box-shadow: 0 20px 50px rgba(26,60,110,0.12); border-color: transparent; }\n .service-card:hover::before { transform: scaleX(1); }\n .service-icon {\n width: 54px; height: 54px; border-radius: 14px;\n background: rgba(26,60,110,0.07);\n display: flex; align-items: center; justify-content: center; margin-bottom: 20px;\n transition: all 0.3s;\n }\n .service-card:hover .service-icon { background: var(--navy); }\n .service-icon svg { width: 26px; height: 26px; fill: var(--navy); transition: fill 0.3s; }\n .service-card:hover .service-icon svg { fill: var(--gold); }\n .service-card h3 { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }\n .service-card p { font-size: 14px; color: var(--text-muted); line-height: 1.65; margin-bottom: 18px; }\n .service-list { list-style: none; }\n .service-list li {\n font-size: 13px; color: var(--text-muted); padding: 4px 0;\n display: flex; align-items: center; gap: 8px;\n }\n .service-list li::before { content: ''; width: 5px; height: 5px; border-radius: 50%; background: var(--gold); flex-shrink: 0; }\n .service-link {\n display: inline-flex; align-items: center; gap: 6px;\n color: var(--navy); font-size: 13px; font-weight: 700;\n text-decoration: none; margin-top: 18px;\n transition: gap 0.2s;\n }\n .service-card:hover .service-link { gap: 10px; color: var(--gold-dark); }\n\n \/* \u2500\u2500 WHY US \u2500\u2500 *\/\n .why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }\n .why-visual {\n background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);\n border-radius: 24px; padding: 40px; position: relative; overflow: hidden;\n }\n .why-visual::after {\n content: ''; position: absolute; bottom: -40px; right: -40px;\n width: 200px; height: 200px;\n background: rgba(245,166,35,0.1); border-radius: 50%;\n }\n .why-visual-title { font-family: 'Lora', serif; font-size: 22px; color: var(--white); font-weight: 600; margin-bottom: 24px; }\n .why-feature {\n display: flex; gap: 16px; margin-bottom: 22px; align-items: flex-start;\n }\n .why-feature-icon {\n width: 42px; height: 42px; border-radius: 10px; flex-shrink: 0;\n background: rgba(245,166,35,0.2); display: flex; align-items: center; justify-content: center;\n }\n .why-feature-icon svg { width: 20px; height: 20px; fill: var(--gold); }\n .why-feature-title { font-size: 15px; font-weight: 700; color: var(--white); margin-bottom: 2px; }\n .why-feature-desc { font-size: 13px; color: rgba(255,255,255,0.65); line-height: 1.5; }\n .why-points { }\n .why-point {\n display: flex; gap: 18px; align-items: flex-start;\n padding: 22px 0; border-bottom: 1px solid var(--border);\n }\n .why-point:last-child { border-bottom: none; }\n .why-point-num {\n font-size: 32px; font-weight: 800; color: rgba(245,166,35,0.2);\n font-family: 'Lora', serif; line-height: 1; flex-shrink: 0; width: 40px;\n }\n .why-point-title { font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }\n .why-point-desc { font-size: 14px; color: var(--text-muted); line-height: 1.6; }\n\n \/* \u2500\u2500 TEAM \u2500\u2500 *\/\n .team-bg { background: var(--off-white); }\n .team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }\n .team-card {\n background: var(--white); border-radius: 20px; overflow: hidden;\n border: 1px solid var(--border); transition: all 0.3s;\n }\n .team-card:hover { transform: translateY(-6px); box-shadow: 0 24px 60px rgba(26,60,110,0.12); }\n .team-card-top {\n background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);\n padding: 32px 28px 24px; position: relative;\n }\n .team-avatar {\n width: 72px; height: 72px; border-radius: 50%;\n background: var(--gold); display: flex; align-items: center; justify-content: center;\n font-size: 26px; font-weight: 800; color: var(--navy);\n border: 3px solid rgba(255,255,255,0.3); margin-bottom: 14px;\n }\n .team-name { font-size: 18px; font-weight: 800; color: var(--white); }\n .team-qual { font-size: 13px; color: var(--gold-light); font-weight: 600; margin-top: 2px; }\n .team-card-body { padding: 22px 28px; }\n .team-role {\n display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: 0.08em;\n text-transform: uppercase; color: var(--navy); background: rgba(26,60,110,0.08);\n padding: 4px 12px; border-radius: 50px; margin-bottom: 12px;\n }\n .team-desc { font-size: 14px; color: var(--text-muted); line-height: 1.65; }\n\n \/* \u2500\u2500 TESTIMONIALS \u2500\u2500 *\/\n .testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }\n .testimonial-card {\n background: var(--white); border: 1px solid var(--border);\n border-radius: 16px; padding: 28px;\n transition: all 0.3s;\n }\n .testimonial-card:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(26,60,110,0.08); }\n .testimonial-quote { font-size: 36px; color: var(--gold); line-height: 1; margin-bottom: 12px; font-family: 'Lora', serif; }\n .testimonial-text { font-size: 14px; color: var(--text-muted); line-height: 1.7; margin-bottom: 20px; font-style: italic; }\n .testimonial-author { display: flex; align-items: center; gap: 12px; }\n .testimonial-avatar {\n width: 42px; height: 42px; border-radius: 50%;\n background: var(--navy); display: flex; align-items: center; justify-content: center;\n font-size: 14px; font-weight: 800; color: var(--white); flex-shrink: 0;\n }\n .testimonial-name { font-size: 14px; font-weight: 700; color: var(--navy); }\n .testimonial-loc { font-size: 12px; color: var(--text-light); }\n .stars { color: var(--gold); font-size: 13px; letter-spacing: 2px; margin-bottom: 14px; }\n\n \/* \u2500\u2500 CTA BANNER \u2500\u2500 *\/\n .cta-banner {\n background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, var(--navy-light) 100%);\n padding: 80px 5%; text-align: center; position: relative; overflow: hidden;\n }\n .cta-banner::before {\n content: ''; position: absolute; inset: 0;\n background: radial-gradient(circle at 50% 50%, rgba(245,166,35,0.08) 0%, transparent 70%);\n }\n .cta-banner h2 { font-family: 'Lora', serif; font-size: clamp(28px, 4vw, 44px); color: var(--white); font-weight: 600; margin-bottom: 14px; position: relative; }\n .cta-banner h2 em { color: var(--gold); font-style: italic; }\n .cta-banner p { font-size: 16px; color: rgba(255,255,255,0.72); margin-bottom: 36px; position: relative; }\n .cta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; position: relative; }\n\n \/* \u2500\u2500 FOOTER \u2500\u2500 *\/\n footer {\n background: var(--navy-dark);\n padding: 60px 5% 28px;\n color: rgba(255,255,255,0.7);\n }\n .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 48px; margin-bottom: 48px; }\n .footer-brand { }\n .footer-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }\n .footer-logo-icon { width: 36px; height: 36px; background: var(--gold); border-radius: 8px; display: flex; align-items: center; justify-content: center; }\n .footer-logo-icon svg { width: 20px; height: 20px; fill: var(--navy); }\n .footer-logo-text { color: var(--white); font-weight: 800; font-size: 17px; }\n .footer-desc { font-size: 13px; line-height: 1.75; color: rgba(255,255,255,0.55); max-width: 260px; }\n .footer-contact { margin-top: 18px; }\n .footer-contact a { display: flex; align-items: center; gap: 8px; font-size: 14px; color: var(--gold-light); text-decoration: none; margin-bottom: 6px; font-weight: 600; }\n .footer-contact a svg { width: 15px; height: 15px; fill: var(--gold); }\n footer h4 { font-size: 13px; font-weight: 700; color: var(--white); letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 18px; }\n .footer-links { list-style: none; }\n .footer-links li { margin-bottom: 10px; }\n .footer-links a { font-size: 13px; color: rgba(255,255,255,0.55); text-decoration: none; transition: color 0.2s; }\n .footer-links a:hover { color: var(--gold-light); }\n .footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 22px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }\n .footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.35); }\n\n \/* \u2500\u2500 ANIMATIONS \u2500\u2500 *\/\n @keyframes fadeUp {\n from { opacity: 0; transform: translateY(24px); }\n to { opacity: 1; transform: translateY(0); }\n }\n @keyframes pulse {\n 0%, 100% { box-shadow: 0 6px 24px rgba(37,211,102,0.4); }\n 50% { box-shadow: 0 6px 40px rgba(37,211,102,0.7); }\n }\n .reveal { opacity: 0; transform: translateY(28px); transition: all 0.6s ease; }\n .reveal.visible { opacity: 1; transform: translateY(0); }\n\n \/* \u2500\u2500 RESPONSIVE \u2500\u2500 *\/\n @media (max-width: 900px) {\n .hero-grid, .why-grid { grid-template-columns: 1fr; }\n .hero-geo { display: none; }\n .team-grid { grid-template-columns: 1fr; }\n .testimonials-grid { grid-template-columns: 1fr; }\n .footer-grid { grid-template-columns: 1fr 1fr; }\n .nav-links { display: none; }\n .nav-links.open { display: flex; flex-direction: column; position: absolute; top: 70px; left: 0; right: 0; background: var(--navy-dark); padding: 16px; gap: 4px; }\n .hamburger { display: flex; }\n .hero-cards { display: none; }\n .stat-item { padding: 8px 18px; }\n .stat-item-sub { display: none; }\n }\n @media (max-width: 600px) {\n .hero-stat-grid { grid-template-columns: 1fr 1fr; }\n .footer-grid { grid-template-columns: 1fr; }\n .services-grid { grid-template-columns: 1fr; }\n .stats-bar { flex-direction: column; align-items: center; }\n .stat-item { border-right: none; border-bottom: 1px solid rgba(26,60,110,0.15); width: 100%; justify-content: center; }\n .stat-item:last-child { border-bottom: none; }\n }\n<\/style>\n<\/head>\n<body>\n\n<!-- NAVBAR -->\n<nav id=\"navbar\">\n <a href=\"#\" class=\"nav-logo\">\n <div class=\"nav-logo-icon\">\n <svg viewBox=\"0 0 24 24\"><path d=\"M3 13h2v-2H3v2zm0 4h2v-2H3v2zm0-8h2V7H3v2zm4 4h14v-2H7v2zm0 4h14v-2H7v2zM7 7v2h14V7H7z\"\/><\/svg>\n <\/div>\n <div>\n <div class=\"nav-logo-text\">Kruti Associates<\/div>\n <div class=\"nav-logo-sub\">Financial & Business Consultancy<\/div>\n <\/div>\n <\/a>\n <div class=\"nav-links\" id=\"navLinks\">\n <a href=\"#services\">Services<\/a>\n <a href=\"#why-us\">About<\/a>\n <a href=\"#team\">Team<\/a>\n <a href=\"#contact\" class=\"nav-cta\">Free Consultation<\/a>\n <\/div>\n <div class=\"hamburger\" id=\"hamburger\" onclick=\"toggleNav()\">\n <span><\/span><span><\/span><span><\/span>\n <\/div>\n<\/nav>\n\n<!-- HERO -->\n<section class=\"hero\" id=\"home\">\n <div class=\"hero-geo\"><\/div>\n <div class=\"hero-grid\">\n <div>\n <div class=\"hero-badge\"><span><\/span> Trusted Financial & Business Consultancy<\/div>\n <h1>Your <em>Financial & Business<\/em> Growth Partner<\/h1>\n <p class=\"hero-desc\">From personal loans and smart investments to GST filing and digital marketing \u2014 we bring expert guidance to individuals and businesses across India and worldwide, under one roof.<\/p>\n <div class=\"hero-btns\">\n <a href=\"#contact\" class=\"btn-primary\">\n <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"currentColor\"><path d=\"M20 4H4c-1.1 0-2 .9-2 2v12c0 1.1.9 2 2 2h16c1.1 0 2-.9 2-2V6c0-1.1-.9-2-2-2zm0 4l-8 5-8-5V6l8 5 8-5v2z\"\/><\/svg>\n Free Consultation\n <\/a>\n <a href=\"https:\/\/wa.me\/919764541453?text=Namaste!%20I%20visited%20your%20website%20and%20would%20like%20to%20know%20more%20about%20your%20services.\" class=\"btn-whatsapp\" target=\"_blank\">\n <svg viewBox=\"0 0 24 24\" width=\"16\" height=\"16\" fill=\"currentColor\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 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2-2v-.41c2.93 1.19 5 4.06 5 7.41 0 2.08-.8 3.97-2.1 5.39z\"\/><\/svg>\n <div>\n <div class=\"stat-item-text\">Serving Clients Worldwide<\/div>\n <div class=\"stat-item-sub\">India & beyond<\/div>\n <\/div>\n <\/div>\n <div class=\"stat-item\">\n <svg viewBox=\"0 0 24 24\"><path d=\"M11.99 2C6.47 2 2 6.48 2 12s4.47 10 9.99 10C17.52 22 22 17.52 22 12S17.52 2 11.99 2zM12 20c-4.42 0-8-3.58-8-8s3.58-8 8-8 8 3.58 8 8-3.58 8-8 8zm.5-13H11v6l5.25 3.15.75-1.23-4.5-2.67V7z\"\/><\/svg>\n <div>\n <div class=\"stat-item-text\">Mon \u2013 Sat, 10 AM \u2013 7 PM<\/div>\n <div class=\"stat-item-sub\">Office hours<\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<!-- SERVICES -->\n<section class=\"services-bg\" id=\"services\">\n <div class=\"container\">\n <div class=\"section-header center reveal\">\n <div class=\"section-tag\">What We Offer<\/div>\n <h2 class=\"section-title\">Everything You Need, <em>Under One Roof<\/em><\/h2>\n <p class=\"section-desc\">We offer a wide range of financial, investment, business, and digital services \u2014 so you don’t have to run from office to office.<\/p>\n <\/div>\n <div class=\"services-grid\">\n <div class=\"service-card reveal\">\n <div class=\"service-icon\"><svg viewBox=\"0 0 24 24\"><path d=\"M11.8 10.9c-2.27-.59-3-1.2-3-2.15 0-1.09 1.01-1.85 2.7-1.85 1.78 0 2.44.85 2.5 2.1h2.21c-.07-1.72-1.12-3.3-3.21-3.81V3h-3v2.16c-1.94.42-3.5 1.68-3.5 3.61 0 2.31 1.91 3.46 4.7 4.13 2.5.6 3 1.48 3 2.41 0 .69-.49 1.79-2.7 1.79-2.06 0-2.87-.92-2.98-2.1h-2.2c.12 2.19 1.76 3.42 3.68 3.83V21h3v-2.15c1.95-.37 3.5-1.5 3.5-3.55 0-2.84-2.43-3.81-4.7-4.4z\"\/><\/svg><\/div>\n <h3>Financial & Loan Services<\/h3>\n <p>Get the funds you need with the best rates from top banks and NBFCs. We handle the paperwork, you focus on your goals.<\/p>\n <ul class=\"service-list\">\n <li>Personal Loan Assistance<\/li>\n <li>Business \/ Working Capital Loan<\/li>\n <li>Loan Against Property<\/li>\n <li>Property Valuation Report<\/li>\n <li>Real Estate Advisory<\/li>\n <\/ul>\n <a href=\"#contact\" class=\"service-link\">Enquire now \u2192<\/a>\n <\/div>\n <div class=\"service-card reveal\">\n <div class=\"service-icon\"><svg viewBox=\"0 0 24 24\"><path d=\"M3.5 18.49l6-6.01 4 4L22 6.92l-1.41-1.41-7.09 7.97-4-4L2 16.99l1.5 1.5z\"\/><\/svg><\/div>\n <h3>Investment & Wealth Services<\/h3>\n <p>Your money deserves to grow. We create personalised investment plans tailored to your financial goals and risk appetite.<\/p>\n <ul class=\"service-list\">\n <li>Demat Account Opening<\/li>\n <li>Mutual Fund Investment<\/li>\n <li>Health Plan & Term Insurance<\/li>\n <li>Stock Market Advisory<\/li>\n <li>Portfolio Management Support<\/li>\n <\/ul>\n <a href=\"#contact\" class=\"service-link\">Start investing \u2192<\/a>\n <\/div>\n <div class=\"service-card reveal\">\n <div class=\"service-icon\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 7V3H2v18h20V7H12zM6 19H4v-2h2v2zm0-4H4v-2h2v2zm0-4H4V9h2v2zm0-4H4V5h2v2zm4 12H8v-2h2v2zm0-4H8v-2h2v2zm0-4H8V9h2v2zm0-4H8V5h2v2zm10 12h-8v-2h2v-2h-2v-2h2v-2h-2V9h8v10zm-2-8h-2v2h2v-2zm0 4h-2v2h2v-2z\"\/><\/svg><\/div>\n <h3>Business & Corporate Services<\/h3>\n <p>Running a business comes with compliance headaches. We simplify it all so you can focus entirely on growing your business.<\/p>\n <ul class=\"service-list\">\n <li>GST Registration & Filing<\/li>\n <li>Income Tax Return (ITR)<\/li>\n <li>Project Report for Bank Loan<\/li>\n <li>Legal Documentation & Digital Signature<\/li>\n <li>MSME Loan Assistance<\/li>\n <\/ul>\n <a href=\"#contact\" class=\"service-link\">Get compliance help \u2192<\/a>\n <\/div>\n <div class=\"service-card reveal\">\n <div class=\"service-icon\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 12c2.21 0 4-1.79 4-4s-1.79-4-4-4-4 1.79-4 4 1.79 4 4 4zm0 2c-2.67 0-8 1.34-8 4v2h16v-2c0-2.66-5.33-4-8-4z\"\/><\/svg><\/div>\n <h3>Digital Marketing Services<\/h3>\n <p>In today’s world, your business needs a strong online presence. We help you attract more customers and grow your brand.<\/p>\n <ul class=\"service-list\">\n <li>Professional Website Development<\/li>\n <li>Performance Marketing (Meta \/ Google Ads)<\/li>\n <li>Ad Shoots & Creative Content<\/li>\n <\/ul>\n <a href=\"#contact\" class=\"service-link\">Grow online \u2192<\/a>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<!-- WHY US -->\n<section id=\"why-us\">\n <div class=\"container\">\n <div class=\"why-grid\">\n <div class=\"why-visual reveal\">\n <div class=\"why-visual-title\">Why clients trust us<\/div>\n <div class=\"why-feature\">\n <div class=\"why-feature-icon\"><svg viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" fill=\"#F5A623\"><path d=\"M12 1L3 5v6c0 5.55 3.84 10.74 9 12 5.16-1.26 9-6.45 9-12V5l-9-4z\"\/><\/svg><\/div>\n <div><div class=\"why-feature-title\">Experts you can rely on<\/div><div class=\"why-feature-desc\">Qualified professionals with hands-on experience in finance, marketing and construction \u2014 serving clients across India and globally.<\/div><\/div>\n <\/div>\n <div class=\"why-feature\">\n <div class=\"why-feature-icon\"><svg viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" fill=\"#F5A623\"><path d=\"M19 3H5c-1.1 0-2 .9-2 2v14c0 1.1.9 2 2 2h14c1.1 0 2-.9 2-2V5c0-1.1-.9-2-2-2zm-7 14l-5-5 1.41-1.41L12 14.17l7.59-7.59L21 8l-9 9z\"\/><\/svg><\/div>\n <div><div class=\"why-feature-title\">Transparent & honest<\/div><div class=\"why-feature-desc\">No hidden charges, no confusing jargon. Clear guidance at every step of the process.<\/div><\/div>\n <\/div>\n <div class=\"why-feature\">\n <div class=\"why-feature-icon\"><svg viewBox=\"0 0 24 24\" width=\"20\" height=\"20\" fill=\"#F5A623\"><path d=\"M11.99 2C6.47 2 2 6.48 2 12s4.47 10 9.99 10C17.52 22 22 17.52 22 12S17.52 2 11.99 2zM12 20c-4.42 0-8-3.58-8-8s3.58-8 8-8 8 3.58 8 8-3.58 8-8 8zm.5-13H11v6l5.25 3.15.75-1.23-4.5-2.67V7z\"\/><\/svg><\/div>\n <div><div class=\"why-feature-title\">Quick turnaround<\/div><div class=\"why-feature-desc\">Fast processing with minimal paperwork stress. We value your time as much as you do.<\/div><\/div>\n <\/div>\n <\/div>\n <div class=\"reveal\">\n <div class=\"section-tag\">Why Choose Us<\/div>\n <h2 class=\"section-title\">Expert guidance, <em>wherever you are<\/em><\/h2>\n <p class=\"section-desc\" style=\"margin-bottom: 32px;\">We bring together qualifications in Civil Engineering, Marketing, and Finance to serve individuals and businesses across India and worldwide.<\/p>\n <div class=\"why-point\">\n <div class=\"why-point-num\">01<\/div>\n <div><div class=\"why-point-title\">All services under one roof<\/div><div class=\"why-point-desc\">Loans, investments, GST, digital marketing \u2014 stop juggling multiple offices and advisors.<\/div><\/div>\n <\/div>\n <div class=\"why-point\">\n <div class=\"why-point-num\">02<\/div>\n <div><div class=\"why-point-title\">Qualified team of professionals<\/div><div class=\"why-point-desc\">B.E. Civil, MBA Marketing (Pune), MBA Finance (Mumbai) \u2014 expertise you can rely on.<\/div><\/div>\n <\/div>\n <div class=\"why-point\">\n <div class=\"why-point-num\">03<\/div>\n <div><div class=\"why-point-title\">Personal attention, always<\/div><div class=\"why-point-desc\">You are not just a client here \u2014 you are family. We stay with you through every step.<\/div><\/div>\n <\/div>\n <div class=\"why-point\">\n <div class=\"why-point-num\">04<\/div>\n <div><div class=\"why-point-title\">Free first consultation<\/div><div class=\"why-point-desc\">No obligation, no cost. Just an honest conversation about your financial goals.<\/div><\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<!-- TEAM -->\n<section class=\"team-bg\" id=\"team\">\n <div class=\"container\">\n <div class=\"section-header center reveal\">\n <div class=\"section-tag\">Our Team<\/div>\n <h2 class=\"section-title\">Meet the <em>Experts<\/em> Behind Kruti Associates<\/h2>\n <p class=\"section-desc\">A passionate team of qualified professionals dedicated to your financial and business growth.<\/p>\n <\/div>\n <div class=\"team-grid\">\n <div class=\"team-card reveal\">\n <div class=\"team-card-top\">\n <div class=\"team-avatar\">PF<\/div>\n <div class=\"team-name\">Pritish U. Fedujwar<\/div>\n <div class=\"team-qual\">B.E. (Civil)<\/div>\n <\/div>\n <div class=\"team-card-body\">\n <div class=\"team-role\">Property & Loans<\/div>\n <p class=\"team-desc\">Pritish brings strong analytical expertise in construction and infrastructure. He helps clients navigate property valuation, real estate advisory, and loan against property with precision and confidence.<\/p>\n <\/div>\n <\/div>\n <div class=\"team-card reveal\">\n <div class=\"team-card-top\">\n <div class=\"team-avatar\">RF<\/div>\n <div class=\"team-name\">Rohan S. Fedujwar<\/div>\n <div class=\"team-qual\">MBA (Marketing), Pune<\/div>\n <\/div>\n <div class=\"team-card-body\">\n <div class=\"team-role\">Digital Marketing<\/div>\n <p class=\"team-desc\">Rohan leads our digital marketing division, crafting growth strategies through performance marketing, website development, and brand building for businesses across Yavatmal.<\/p>\n <\/div>\n <\/div>\n <div class=\"team-card reveal\">\n <div class=\"team-card-top\">\n <div class=\"team-avatar\">AF<\/div>\n <div class=\"team-name\">Aishwarya R. Fedujwar<\/div>\n <div class=\"team-qual\">MBA (Finance), Mumbai<\/div>\n <\/div>\n <div class=\"team-card-body\">\n <div class=\"team-role\">Investment & Wealth<\/div>\n <p class=\"team-desc\">Aishwarya heads investment advisory and wealth management, guiding clients in mutual funds, insurance, stock advisory, and portfolio management with Mumbai market expertise.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<!-- TESTIMONIALS -->\n<section id=\"testimonials\">\n <div class=\"container\">\n <div class=\"section-header center reveal\">\n <div class=\"section-tag\">Client Stories<\/div>\n <h2 class=\"section-title\">What Our <em>Clients Say<\/em><\/h2>\n <p class=\"section-desc\">Real experiences from real people across Yavatmal who trusted us with their financial goals.<\/p>\n <\/div>\n <div class=\"testimonials-grid\">\n <div class=\"testimonial-card reveal\">\n <div class=\"stars\">\u2605\u2605\u2605\u2605\u2605<\/div>\n <div class=\"testimonial-quote\">“<\/div>\n <p class=\"testimonial-text\">Kruti Associates helped me get a business loan approved in just 10 days! The process was smooth, transparent, and the team was always available on WhatsApp to answer my queries.<\/p>\n <div class=\"testimonial-author\">\n <div class=\"testimonial-avatar\">RS<\/div>\n <div>\n <div class=\"testimonial-name\">Rajesh S.<\/div>\n <div class=\"testimonial-loc\">Business Owner, Mumbai<\/div>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"testimonial-card reveal\">\n <div class=\"stars\">\u2605\u2605\u2605\u2605\u2605<\/div>\n <div class=\"testimonial-quote\">“<\/div>\n <p class=\"testimonial-text\">I never thought investing in mutual funds was possible for someone like me. Aishwarya explained everything so clearly and helped me start my investment journey confidently.<\/p>\n <div class=\"testimonial-author\">\n <div class=\"testimonial-avatar\">PM<\/div>\n <div>\n <div class=\"testimonial-name\">Priya M.<\/div>\n <div class=\"testimonial-loc\">Teacher, Nagpur<\/div>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"testimonial-card reveal\">\n <div class=\"stars\">\u2605\u2605\u2605\u2605\u2605<\/div>\n <div class=\"testimonial-quote\">“<\/div>\n <p class=\"testimonial-text\">GST filing used to give me so much stress every quarter. Since I joined Kruti Associates, everything is handled on time with zero headaches. Highly recommended!<\/p>\n <div class=\"testimonial-author\">\n <div class=\"testimonial-avatar\">VK<\/div>\n <div>\n <div class=\"testimonial-name\">Vijay K.<\/div>\n <div class=\"testimonial-loc\">Shop Owner, Yavatmal<\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<!-- CTA BANNER -->\n<div class=\"cta-banner\">\n <h2>Ready to <em>take the first step<\/em>?<\/h2>\n <p>Book a free consultation today \u2014 no fees, no obligations, just honest guidance from our expert team.<\/p>\n <div class=\"cta-btns\">\n <a href=\"#contact\" class=\"btn-primary\">\n <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"currentColor\"><path d=\"M20 4H4c-1.1 0-2 .9-2 2v12c0 1.1.9 2 2 2h16c1.1 0 2-.9 2-2V6c0-1.1-.9-2-2-2zm0 4l-8 5-8-5V6l8 5 8-5v2z\"\/><\/svg>\n Book Free Consultation\n <\/a>\n <a href=\"https:\/\/wa.me\/919764541453?text=Namaste!%20I%20visited%20your%20website%20and%20would%20like%20to%20know%20more%20about%20your%20services.\" class=\"btn-whatsapp\" target=\"_blank\">\n <svg viewBox=\"0 0 24 24\" width=\"16\" height=\"16\" fill=\"currentColor\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347m-5.421 7.403h-.004a9.87 9.87 0 01-5.031-1.378l-.361-.214-3.741.982.998-3.648-.235-.374a9.86 9.86 0 01-1.51-5.26c.001-5.45 4.436-9.884 9.888-9.884 2.64 0 5.122 1.03 6.988 2.898a9.825 9.825 0 012.893 6.994c-.003 5.45-4.437 9.884-9.885 9.884m8.413-18.297A11.815 11.815 0 0012.05 0C5.495 0 .16 5.335.157 11.892c0 2.096.547 4.142 1.588 5.945L.057 24l6.305-1.654a11.882 11.882 0 005.683 1.448h.005c6.554 0 11.89-5.335 11.893-11.893a11.821 11.821 0 00-3.48-8.413z\"\/><\/svg>\n WhatsApp Us Now\n <\/a>\n <a href=\"tel:9764541453\" class=\"btn-secondary\">\n <svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"currentColor\"><path d=\"M6.62 10.79c1.44 2.83 3.76 5.14 6.59 6.59l2.2-2.2c.27-.27.67-.36 1.02-.24 1.12.37 2.33.57 3.57.57.55 0 1 .45 1 1V20c0 .55-.45 1-1 1-9.39 0-17-7.61-17-17 0-.55.45-1 1-1h3.5c.55 0 1 .45 1 1 0 1.25.2 2.45.57 3.57.11.35.03.74-.25 1.02l-2.2 2.2z\"\/><\/svg>\n Call 9764541453\n <\/a>\n <\/div>\n<\/div>\n\n<!-- CONTACT -->\n<section id=\"contact\">\n <div class=\"container\">\n <div class=\"section-header center reveal\">\n <div class=\"section-tag\">Get In Touch<\/div>\n <h2 class=\"section-title\">Let’s Talk \u2014 We’re Here <em>to Help<\/em><\/h2>\n <p class=\"section-desc\">Have a question about a loan, investment, or compliance? 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