No charge
First conversation
No fee
A short call to see whether the practice is the right fit. It is not advice and it does not start an agreement.
Fees
What you pay.
You choose one fee type per family. We take no commission from any product we advise on.
SEBI’s limits
- Fixed fee: at most ₹1,51,000 a year for your whole family.
- Percentage fee: at most 2.5% a year of the assets we advise on.
Plan and one year of advice costs ₹1,20,000, which stays within the fixed-fee limit.
Fixed fee
Written financial plan
₹35,000
A one-time written plan for one family: goals, cash flow, risk profile and an asset allocation. Valid as a fixed fee within the annual ceiling.
Fixed fee
Ongoing advice, one year
₹90,000 per year
Reviews and recommendations for one year for one family. Billed quarterly. Not combined with the assets-under-advice mode.
Fixed fee
Plan and one year of advice
₹1,20,000
The written plan plus a year of ongoing advice. Still under the ₹1,51,000 yearly ceiling per family.
Assets under advice
Assets under advice
1.00% a year
One percent a year of assets under advice, billed quarterly in arrears. The regulatory ceiling is 2.50% a year. This mode is not charged together with a fixed fee for the same period.
How fees are charged
- A client chooses one mode. Fixed fees and assets-under-advice fees are not stacked for the same period to get around the ceiling.
- For the ceiling, a family is the individual client, spouse, dependent children and dependent parents, as SEBI specifies.
- Fees are exclusive of GST, which is charged where it applies.
- Fees are taken only through a banking channel. The practice does not take cash, and it does not ask clients to transfer money meant for investments into the adviser’s account.
- Any amount taken before the work is done will not cover more than one quarter. If the agreement ends, the unearned portion is refunded.
- The practice does not take commissions, trail or referral payments from product manufacturers for clients it advises.
Good to know
- The fee is written in your agreement before you sign. Nothing is added later.
- Pay only by bank transfer or another traceable method, and keep the receipt.
- Fund houses and brokers charge their own costs (for example expense ratio or brokerage). These are not part of our fee.