Your money deserves an advisor who works for you.

A SEBI RIA is a financial advisor registered with the Securities and Exchange Board of India under the SEBI (Investment Advisers) Regulations, 2013. Unlike mutual fund distributors or insurance agents, RIAs are legally bound by a fiduciary standard — meaning they must always act in your best interest, disclose all conflicts of interest, and cannot earn commissions from any financial product. Their only source of income is the fee you pay them.

The key difference is who pays the advisor. A mutual fund distributor earns a trail commission from the fund house — typically 0.75–1.5% annually — funded through the fund's expense ratio. A bank RM has product sales targets and earns incentives from selling high-margin products. A fee-only RIA earns only the fee you pay them. This structural difference eliminates the conflict of interest and makes genuine fiduciary advice possible.

Fee structures for SEBI-registered RIAs in India typically fall into two common models:

1. Flat retainer: ₹25,000 – ₹1,00,000 a year, suitable for family financial planning, initial investment setup, ESOP exercise decisions, or NRI planning sessions.
2. AUM-based annual fee: 0.5% – 1% of the managed capital per year, suitable for ongoing portfolio investment management, quarterly check-in sessions, rebalancing, and broader family financial advisory.

Note that the advisor will charge either a flat fee or an AUM-based annual fee, but not both. SEBI caps fees at ₹1,51,000 a year per family in the fixed-fee mode, or 2.5% of assets under advice in the AUM mode.

Foliyo is a fee-only SEBI Registered Investment Adviser (INA000023454). You pay us a flat quarterly fee, from ₹5,400 a quarter plus a one-time onboarding fee (+18% GST), and nothing else. We earn zero commissions from fund houses, insurers or banks, and we use direct plans only. Cancel anytime, with no exit fee. See plans and pricing.

Your own Foliyo wealth team: a Wealth Director (your senior advisor), a Senior Research Analyst who picks and reviews your funds, a Concierge Assistant who handles account setup and paperwork, and Fia AI for answers at any hour. The wealth practice is led by co-founder Sachin Kabra, who has spent 15 years managing HNI portfolios, including at HDFC Private Banking and Motilal Oswal AMC.

The 30-minute discovery call is completely free and non-binding. You'll meet your Wealth Director to review your portfolio diagnostic, discuss your financial roadmap, and evaluate if our fiduciary advisory model is the right fit for your family. There is zero pressure or sales pitch.

Absolutely. Many of our clients come to us while still working with a distributor. A fee-only advisor can work alongside your existing setup, provide a second opinion, help you transition gradually, or take over comprehensive planning. The introductory call is a good place to discuss your current situation and what transition might look like for you — there's no obligation to make immediate changes.

With your explicit permission, Foliyo.ai connects via read-only access to automatically detect and parse official financial statements sent to your inbox — including Consolidated Account Statements (CDSL/NSDL CAS) for stocks and mutual funds, monthly bank statements, loan EMIs, and insurance policies. This reconciles your family's scattered holdings into a unified, private household wealth dashboard without manual entry.

We treat your personal data with bank-grade security and institutional privacy standards:

• Strictly Read-Only Access: We only request the gmail.readonly scope solely to detect and ingest financial statements and transaction alert emails. Foliyo.ai can never send emails, delete messages, or compose emails.
• Zero Advertising & No AI Model Training: Your data is never sold to third parties, never used for targeted ads, and never used to train public AI models.
• No Human Access: No human at Foliyo.ai reads your raw personal emails or statement attachments.
• Google Limited Use Compliance: Foliyo.ai's use and transfer to any other app of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.
• Complete Control & 30-Day Deletion: You can disconnect your Google account at any time. Upon disconnection or upon emailing hello@foliyo.ai, all stored credentials, email extracts, and financial records are permanently deleted within 30 days. See our Privacy Policy for full details.