Indian Private Wealth · est. 2024

Find an advisor
who answers
to you.
Not to commissions.

Foliyo matches you with SEBI-registered, fee-only investment advisors in India — independently vetted for credentials, ethics and fit. No bank desks. No commissions. Just advice that finally answers to you.

Find Your Advisor →
Takes 2 minutes · No obligation
₹0
Family wealth advised
0
Vetted SEBI RIAs
As featured in
Mint Economic Times Moneycontrol YourStory Business Standard CNBC TV18
i. The Problem

Most "free" advice in India isn't free.

You pay. You just don't see it on the bill.

01
Mutual fund distributor Earns trail commissions — paid quietly out of your fund's expense ratio, every year you hold.
~1.0–1.5%
per year
02
Bank relationship manager Has product targets to hit. The recommendation often follows the incentive, not your goals.
Hidden
conflict
03
Insurance agent "planning your finances" A ULIP or endowment plan sold as "investment + insurance" can cost you 30–40% in first-year commission.
Up to 40%
year one
04
Finfluencer DMs Unregulated tips, paid promotions, telegram channels. Entertainment dressed as advice.
Unaccountable
ii. How Foliyo Works

Three steps. Twenty minutes. A real advisor by Friday.

i

Tell us about your finances

A short, private questionnaire — your goals, income range, existing investments, comfort with risk. No PAN, no Aadhaar at this stage.

2 minutes
ii

We hand-match you to 2–3 RIAs

Our team reviews your profile and shortlists fee-only, SEBI-registered advisors whose specialty, location and style genuinely fit.

Within 24 hours
iii

Free 30-min intro calls. You pick.

Speak with each. Ask anything. Choose only if you feel the fit. Foliyo never charges you — advisors pay us a flat platform fee.

No obligation
iii. The Advisors

Vetted privately. Verified publicly.

Every advisor on Foliyo is a SEBI-registered Investment Adviser. We then run our own diligence: credentials, professional history, regulatory record, client references, and a panel interview. Roughly 1 in 11 applicants make it through.

AK

Aarti Kashyap, CFP

Mumbai · 14 yrs
Specialises in young professionals with ESOPs and dual-income households. Ex-Edelweiss private wealth, then went independent in 2019.
ESOPs Tax Goal planning
From ₹40,000/yr ★ 4.9 (72)
RV

Rajiv Venkat, CFA

Bengaluru · 19 yrs
HNI portfolio construction, NRI returnees, and family business owners. Builds bespoke equity-heavy allocations with risk-managed downside.
HNI NRI Estate
From ₹1,20,000/yr ★ 5.0 (41)
SM

Sneha Mathur

Delhi NCR · 11 yrs
Retirement, NPS optimisation, and second-innings planning. Writes a fortnightly column on personal finance for working women.
Retirement NPS Insurance audit
From ₹35,000/yr ★ 4.8 (96)
iv. Why Foliyo

Built on the one thing Indian advice has been missing: independence.

a

Fee-only, by design

Advisors charge you transparently — a flat fee or a small AUM percentage. No mutual fund commission. No insurance kickback. No interest in what you buy.

b

SEBI-registered, every one

Every advisor holds a current Registered Investment Adviser (RIA) licence from SEBI. We verify the registration number ourselves and link it on their profile.

c

Foliyo is free for you

You'll never pay us a paisa. Advisors pay a flat platform fee — never a percentage of your fees, so we're not nudged to match you with the more expensive one.

d

Real humans, not chatbots

A dedicated concierge reviews your profile, briefs the advisor, and follows up after each call. If the fit isn't right, we re-match — no questions asked.

Foliyo RIA vs the usual suspects
Foliyo MFD / Bank RM
Paid by You Product makers
SEBI RIA licence Required Not required
Fiduciary duty Yes No
Product agnostic Yes No — has targets
Written plan Yes Rarely
Typical hidden cost ₹0 1–1.5% p.a.
— By the numbers —
₹2,400 CR+
Family wealth currently under guidance through Foliyo advisors
184
Vetted SEBI-registered Investment Advisers in our network
14
Cities across India, from Tier-1 metros to growing Tier-2
4.9/5
Average advisor rating across 2,100+ verified client reviews
v. What Indian families say

A second opinion is a quiet kind of relief.

For years, our bank's RM had us in ULIPs and a NFO every quarter. Foliyo matched us with someone who actually read our cashflow before recommending anything. Our SIPs are now half the cost.
PR
Pranav R.
Product Manager, Bengaluru
We had ESOPs from two companies and no idea how to think about them tax-wise. Our Foliyo advisor mapped out a five-year sell-down with the LTCG calendar in mind. It saved us roughly ₹11 lakh.
DI
Divya I.
Engineering Lead, Hyderabad
As an NRI returning after 12 years in Singapore, I had a mess across NRE/NRO accounts and global ETFs. The advisor knew the RBI rules cold. The intro call was free; I would've paid for it.
AS
Anil S.
Returning NRI, Pune
vi. Common Questions

What people ask before they begin.

Still unsure? Write to hello@foliyo.ai — a real human replies, usually within a day.

What exactly is a fee-only advisor?
A fee-only advisor is paid only by you — never by the product makers whose mutual funds, insurance plans or PMSes they recommend. That structural change is what removes the conflict of interest at the root. Under SEBI's IA Regulations, RIAs must operate this way by law.
How much will I pay the advisor?
Most Foliyo advisors charge between ₹25,000 and ₹1,50,000 per year, depending on portfolio complexity, scope of work, and city. Some charge a flat retainer; some charge ~0.5–1% of AUM (regulator-capped at 2.5%). You'll see the exact fee on each advisor's profile and again on the intro call — no surprises.
Does Foliyo cost me anything?
No. Foliyo is free for you, forever. The advisor pays a flat platform fee to be listed — never a percentage of what you pay them. That means we have no financial reason to push you toward a pricier advisor.
What is a SEBI Registered Investment Adviser (RIA)?
SEBI is the Securities and Exchange Board of India — the country's market regulator. An RIA is an individual or firm licensed by SEBI specifically to give investment advice for a fee, and is held to a fiduciary standard. Every advisor on Foliyo holds a current RIA registration, displayed on their profile with the registration number.
Is my data safe? Will I be spammed?
Your information is shared only with the 2–3 advisors we match you to, and only after you click to view their profiles. No call-centre, no lead-selling, no "best mutual fund of 2025!" newsletters. We're a private platform, not a lead-gen factory.
What if I don't click with the advisor?
Tell us. We'll re-match you, no questions, no charge. We track every intro call's outcome — advisors with low fit-scores are quietly removed from the network.
I'm an NRI. Can I still use Foliyo?
Yes — several of our advisors specialise in NRI portfolios, FEMA-compliant repatriation, and cross-border tax. Mention your country of residence in the form; we'll filter to advisors who hold the relevant experience.

The next decade of your money deserves a second opinion.

Two minutes now. A real, vetted SEBI RIA on the phone by Friday. Free, for you, forever.

Find your independent advisor today

Answer a few quick questions about your finances, goals, and style. Our matching engine will connect you with a vetted, SEBI-registered fee-only advisor in under 2 minutes.

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