Find SEBI-Registered, Fee-Only Financial Advisors in Chandigarh

A SEBI Registered Investment Adviser (RIA) is registered under the SEBI (Investment Advisers) Regulations, 2013 and may charge you a fee for investment advice. A fee-only RIA takes no commission from mutual funds, insurance, PMS or any other product, so nothing it recommends earns it extra.

In Chandigarh, one family's finances can span a Punjab or Haryana government pension, an armed forces pension, farmland in the hinterland and a son or daughter working in Canada or the UK. Banks and agents tend to sell into each of those separately — an NRI deposit here, an insurance plan there. A fee-only adviser puts them on one balance sheet first, then decides what, if anything, needs buying.

Usually, yes, but agree the scope at the start. An adviser can plan for parents in Chandigarh and children working overseas together, as long as everyone's residential status is clear: a family member who has become an NRI must have their Indian bank accounts and mutual fund folios updated to NRI status, and tax may be due in two countries.

Ask whether NRI family members are covered by the same fee, whether the adviser works with a tax professional in the other country, and how meetings will work across time zones.

Before an adviser appears on a Foliyo city page we check the basics: an active SEBI RIA registration, a fee-only model with no product commissions, and enough detail about how the adviser works for you to shortlist sensibly. For this page we also matched every registration number against SEBI's register of investment advisers on 11 Oct 2026; all four advisers list tricity addresses there.

A listing is not a performance guarantee. Read the advisory agreement, get the fee schedule in writing and look up the registration yourself before you pay.

Yes. A fee-only adviser can review what a distributor, bank or broker has sold you, explain which products carry ongoing commissions, and help you decide what to keep. Nothing has to change straight away.

Two checks matter in Chandigarh. If a family member has moved abroad, their Indian folios and accounts may still be marked resident and need correcting. And regular-to-direct switches are redemptions for tax purposes, so they are usually spread out to manage capital gains tax and exit loads.

NRI families in Chandigarh should look for a SEBI-registered, fee-only RIA with real experience in cross-border planning. Look for:

• Comfort with FEMA rules governing remittances, NRE/NRO account structuring, and repatriation
• Familiarity with DTAA provisions if the NRI family member also has tax obligations abroad
• Experience coordinating a plan that spans both domestic assets in Chandigarh and property or accounts held overseas

Foliyo's directory lists SEBI-registered, fee-only advisors serving Chandigarh. Their fee-only structure means the advice on how to structure remittances or property isn't shaped by what earns a commission on either side of the border.

A fee-only RIA starts by treating agricultural land as part of the total family balance sheet — alongside its typical illiquidity and any tax treatment specific to agricultural income — rather than planning around only the liquid, market-linked assets. From there, new savings can be directed toward equity and debt instruments to build liquidity the land itself can't easily provide.

Agricultural income tax treatment and land-sale rules are specialised areas; consult a qualified RIA and a chartered accountant familiar with agricultural land taxation for advice specific to your holdings.

Yes. A fee-only RIA can help build a savings plan that sits on top of an expected pension, gratuity, and any provident fund balance, rather than duplicating income you'll already receive. Frequent postings or transfers common in government and defence careers also make it worth setting investment timelines that don't assume a fixed city or a fixed retirement date years in advance.

Verify any advisor's SEBI RIA registration directly on SEBI's Intermediary Portal at sebi.gov.in before engaging.

Reviews help you judge service, not whether an adviser is registered or free of commissions. The tricity has few registered advisers: as of 11 Oct 2026, SEBI's register lists ten investment advisers with addresses in Chandigarh, Mohali or Panchkula. You can look up each one in a few minutes.

Then ask your shortlist for a sample plan, the advisory agreement and the fee schedule. Foliyo's directory is a shortlist, not a ranking, and since advice works well over video, advisers in Ludhiana or Delhi NCR are realistic options too.

Advisers serving the tricity use the same two fee models found across India:

• a fixed planning or annual fee, usually between ₹20,000 and ₹1,00,000 depending on scope
• 0.5% to 1% a year on the portfolio the adviser actively monitors and advises on

Farmland, a family house and a pension are part of the plan but are not managed assets, so make sure any percentage fee is charged only on the advised portfolio, not on total family net worth. SEBI requires the fee and the scope of service to be written into the advisory agreement before you pay.

First, the SEBI RIA registration. SEBI requires it before anyone charges you for investment advice, and individual advisers must also pass the NISM investment adviser certification exams. Look up the number on SEBI's register before you meet.

Then look for depth that matches your situation:

• CFP (FPSB India) for full financial planning, including retirement on a pension
• CFA for equity and portfolio construction
• CA, or a tax adviser the RIA works with, if you have NRI income, agricultural income or a property sale to plan

Someone who sells you mutual funds or insurance for a commission holds an AMFI registration number (ARN) or an insurance licence, not an investment adviser registration.