We match you with SEBI-registered, fee-only financial advisors who earn nothing from product commissions — ever. No commission conflicts. No bank sales pitches.
SEBI-registered, fee-only fiduciary wealth advisory. We earn zero product commissions — ever. Direct, conflict-free advice and portfolio intelligence for your entire family wealth.
Most "free" advisors earn ~1–2% commissions from the products they recommend. Over time, these charges can cost you lakhs.
✕
They May Be Selling, Not Advising
They operate under aggressive pressure to sell you expensive ULIPs and commission-paying mutual funds.
✕
No Legal Duty to Put You First
As sales agents of the product manufacturer, they carry no legal obligation to act in your best financial interest.
Foliyo Vetted Fee-Only RIA
Foliyo Direct Fee-Only Advisory
✓
Clear Fees, Paid by You
Paid transparently and directly by you. Zero indirect commissions.
✓
Conflict-Free Advice
Your advisor is NOT paid by mutual funds, insurers, banks, or other product companies.
✓
Regulated by SEBI
Bound strictly by SEBI RIA regulations to act in your best interest at all times.
How much commission do you pay?iThis chart assumes a 1% annual trail commission on the total portfolio value — a common rate in the industry. Over a 10-year horizon with ₹50L starting corpus and ₹12L added each year, this compounds to a significant sum.
This is not about discouraging distributor relationships — it's about helping you understand the value behind what you pay, so you can have confident, informed conversations with your advisor about the quality of advice you receive in return.
₹50L corpus · +₹12L/yr · 10 year horizon · 12% growth
Ending value of portfolioiBased on an analysis of a ₹50L starting investment balance, monthly SIP of ₹50,000 (₹6L/year), and an annual return of 12.0% CAGR over 20 years. It compares a portfolio charged a 1.0% asset-based trail commission fee against Foliyo's flat fee advisory, charting the net post-fee investment growth for both. Standard direct mutual fund expense ratios apply equally.
Intended strictly for illustrative educational purposes.
Total portfolio value after 20 years
+₹1.25 Cr In Your Pocket
With Flat Fee
Without Flat Fee
₹50L corpus · +₹6L/yr SIP (₹50k/mo) · 20 year horizon · 12% CAGR
How our advisory team manages your wealth, step by step.
Hemendra Gandhi
MBA, RIA
LocationMumbai
Advised AUM₹1,000 Cr+
SEBI RegINA000004237
"Wealth creation is not about picking the right stock. It is about building the right structure — and staying in it long enough to let compounding do its work."
The best way to find a trusted financial advisor.Institutional wealth management, on your terms.
Good fee-only advisors exist. Finding the right one for your specific situation has been the hard part — until now.
Conflict-free fiduciary advice designed for high-performing tech professionals, business owners, and HNI families.
01🎯
Carefully matched advisors
Direct SEBI-registered RIA
Every advisor on Foliyo is checked before being introduced to you. We verify their SEBI registration, understand their fee model, and review their experience.
You are advised directly by Foliyo under our own SEBI RIA license. No middlemen, no third-party handoffs — pure fiduciary accountability from day one.
02💸
Transparent fee-only advice
You pay the advisor directly through a clear fee. That keeps the advice focused on what is right for you — not on which product pays more commission.
03🛡️
Regulated advisory relationship
SEBI-registered investment advisors must follow SEBI's rules on suitability, disclosures, and client-first recommendations. You are speaking to an advisor — not a product salesperson.
04⚡
Free 30-minute intro call
Free 30-minute strategy call
Foliyo makes it easier. Answer a few questions, get matched with a suitable advisor, and book a free intro call — often within 24 hours.
Foliyo makes it seamless. Answer a few questions, review your wealth diagnostic, and schedule your strategy call with our in-house advisory team.
— Stories of people who moved to RIA
What happens when advice is truly yours.
Real outcomes from families who switched from commission-based to fee-only advisory.
My previous RM had me in four ULIPs and a structured product I didn't understand. My new advisor spent three sessions unwinding that damage — and restructured everything into direct funds. First time I actually understood my own portfolio.
Keshav Gupta
Engineering Leader, Bangalore
₹12L saved
in commissions over 10 yrs
I was sitting on ₹90 lakh of unvested ESOPs and had no idea how to think about tax, diversification, or timing. My advisor walked me through a phased liquidation plan that saved me over ₹18L in taxes in the first exercise alone.
Sanchita Jha
Director, Salesforce, Hyderabad
₹18L
tax saved, first ESOP exercise
We'd been with the same bank RM for eight years. Never questioned it. The Foliyo questionnaire forced me to compare what we were paying (hidden) versus what we'd receive. We switched. The clarity alone was worth it.
Amit & Diya Gupta
Business Owners, Pune
8 years
of hidden commissions, stopped
— Built by Institutional Wealth Managers
Deep Wealth Management and Finance experience.
The Foliyo team has decades of experience in wealth management for HNIs and building technology products for the world.
Sachin Kabra
Co-founder
Mohan Gupta
Co-founder
Leadership previously at
HDFC Private WealthMotilal OswalFacebookFlipkart
— Common Questions
Everything you want to know.
What exactly is a SEBI Registered Investment Adviser (RIA)?
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.
How is this different from a mutual fund distributor or bank RM?
The key difference is who pays the advisor. A mutual fund distributor earns a trail commission from the fund house — typically 0.5–1.5% 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.
How much does a fee-only advisor charge?
Fee structures for SEBI-registered RIAs in India typically fall into two common models:
Flat retainer: ₹15,000 – ₹25,000 for the first six-month engagement, suitable for family financial planning, initial investment setup, ESOP exercise decisions, or NRI planning sessions.
AUM-based annual fee: After the first 6 or 12 months, depending on the capital advised, 0.25% – 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.
How does Foliyo.ai make money if the matching is free?How does Foliyo charge for its advisory services?
Foliyo.ai charges a flat referral fee directly to the advisor if and when you engage them — not from the advice fee you pay, and not from any product commission. This fee is disclosed to advisors upfront and does not change their fee structure for you. We do not earn from products, do not earn from your investments, and will never share or sell your data to third parties.
Foliyo is a fee-only SEBI Registered Investment Adviser. We charge a transparent, flat annual advisory retainer or a low AUA fee directly to you. We earn zero commissions from mutual fund houses, insurers, or banks. No hidden product cuts, no revenue sharing — 100% of our incentives are aligned with growing and safeguarding your wealth.
How are advisors vetted?Who manages my portfolio at Foliyo?
Every advisor in our network goes through a multi-step vetting process: (1) SEBI RIA registration is verified directly on the SEBI website, (2) We review their client engagement agreement and fee schedule, (3) We conduct a reference call with 1–2 existing clients, (4) We do a structured interview covering their process, philosophy, and how they handle conflicts, (5) We assess their specialisation against the advisor profiles we accept into the network. We decline roughly 60% of advisors who apply to join.
Your portfolio and wealth strategy are managed directly by Foliyo's in-house investment advisory committee and dedicated wealth managers. Our team includes CFA charterholders, CFPs, and institutional asset management veterans from top private wealth firms with decades of combined experience.
What if I don't find a good fit after the intro calls?What happens during the free discovery call?
No problem — and no pressure. The 30-minute intro call is completely free and non-binding. If none of the matched advisors feel right, let us know and we'll either re-match with a different set of advisors or help you understand what might be the right fit for your specific situation. Our goal is a long-term match, not a quick placement.
The 30-minute discovery call is completely free and non-binding. You'll meet your dedicated Foliyo wealth advisor 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.
I already have a distributor managing my investments. Can I still use Foliyo.ai?
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.
How is my email used to track investments and statements?
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.
How does Foliyo.ai access my email, and is my data private and secure?
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.
— Begin Here
Your wealth. Your advisor. Your terms.
Two thousand families have already made the switch to fee-only advice. The intro call is free. You talk to your advisor within 24 hours. There is no commitment.
Take control of your wealth with conflict-free, fee-only fiduciary advice. The 30-minute strategy session is free and confidential. No sales pitch, no commitment.
Under ₹10L₹10L – ₹25L₹25L – ₹50L₹50L – ₹1Cr₹1Cr – ₹3Cr₹3Cr+
Step 3 of 5
Who currently manages your investments?
Bank RMMutual Fund DistributorI manage it myselfFee-only advisorInsurance agentNobody yet
Step 4 of 5
What confuses you most about your finances right now?
Whether I'm investing enoughHow to handle my ESOPsTax on my income / investmentsWhether my advisor is right for meHow to plan for retirementEstate / succession planningI don't know what I don't know
Step 5 of 5
Almost there — how do we reach you?
You're matched!
Request Received!
We've logged your brief and will introduce you to 2–3 vetted fee-only advisors within 24 hours.
We've logged your brief. A Foliyo wealth advisor will review your portfolio details and reach out within 24 hours.
Reference ID
FA-00000
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