SEBI-Registered RIA Only

Your money deserves an advisor who works for you.

We match you with SEBI-registered, fee-only financial advisors who earn nothing from product commissions — ever. No commission conflicts. No bank sales pitches.

Find My Advisor  → How advisors are paid →
₹2,400 Cr+
Family wealth advised across our network
SEBI
Registered
All advisors, no exceptions
100%
Fee-only advisors

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

₹3.91 Cr
Final corpus
₹0L
Paid in hidden commissions
Find a Fee-Only Advisor →
— Our Network

Foliyo partners with India's top RIAs.

Some of the prominent RIA partners on Foliyo. From financial planning to estate planning, to investment management or family offices — our RIA partners have decades of experience managing money for HNIs.

Robins Joseph
Robins Joseph
Noida
Above ₹200 Cr AUM
SEBI Reg: INA100013700
Harendra Zatakia
Harendra Zatakia
Pune
SEBI Reg: INA000021988
Dilshad Kaiwan Billimoria
Dilshad Kaiwan Billimoria
Bangalore
Above ₹500 Cr AUM
SEBI Reg: INA200002239
Hemendra Gandhi
Hemendra Gandhi
Mumbai
Above ₹500 Cr AUM
SEBI Reg: INA000004237
Vinit Iyer
Vinit Iyer
Pune
Above ₹250 Cr AUM
SEBI Reg: INA000017806
Pavan Kumar Manchiraju
Pavan Kumar Manchiraju
Hyderabad
₹50 Cr AUM
SEBI Reg: INA000018975
Sridharan Sundaram
Sridharan Sundaram
Chennai
Above ₹500 Cr AUM
SEBI Reg: INA000020998
Himanshu Pandya
Himanshu Pandya
Mumbai
Above ₹250 Cr AUM
SEBI Reg: INA000017310
Vishal Shah
Vishal Shah
Pune
Above ₹250 Cr AUM
SEBI Reg: INA000019220
✓ SEBI Registered RIAs Only
₹ Flat ₹9,999/yr — No Commission
📞 Free 30-Min Intro Call
✓ Built for Portfolios Under ₹50L
— The Conflict of Interest

"Free" advice is quietly costing you lakhs.

Under a ₹50L corpus, most people can't access unbiased advice — banks and distributors only make it "free" because they earn commission from what they sell you.

Problem 01

"Free" Advice Isn't Free

Most advisors in India earn 1–1.5% annual trail commission from the products they recommend — funded silently through your fund's expense ratio. You never see this charge, but it compounds against you every year.

Hidden Cost
Problem 02

They're Selling, Not Advising

Bank RMs and mutual fund distributors operate under product-sales pressure. ULIPs, high-margin insurance plans, and regular-plan funds pay them more — so that's what they recommend, regardless of what's right for you.

Product Pressure
Problem 03

No Legal Duty to You

As agents of the product manufacturer, bank RMs and distributors have zero legal obligation to act in your best financial interest. A SEBI RIA does — by law.

No Fiduciary Duty
₹20–30L
Hidden commission cost over 10 years on a ₹50L corpus
1–1.5%
Annual trail commission paid by most Indian investors
0%
Legal obligation a distributor has to act in your interest
— What Is A SEBI RIA

Your family's Chief Investment Officer — for a flat fee.

Unlike any other advisor, a SEBI Registered Investment Adviser is legally bound to act as your fiduciary — always and only in your best interest.

⚖️
SEBI Legal Mandate RIAs cannot earn any commission from any financial product. Their only income is the transparent fee you pay them directly — by regulation, not by promise.
✓

Zero Commission, Ever

Prohibited by SEBI from holding an ARN (distributor code). Cannot earn trail commission from any fund house.

✓

Fiduciary Standard by Law

All advice must be based on your risk profile, goals, and financial situation — not product profitability.

✓

Transparent Fee

Flat subscription fee paid annually. You know exactly what you pay — and exactly what you get.

✓

SEBI Regulated & Verified

Audited and inspected by SEBI. Verify any advisor's registration directly at sebi.gov.in.

— Bank RM vs DIY vs Foliyo Gold

Who is your money really working for?

Three ways to invest a sub-₹50L portfolio — and what each one actually costs you.

Bank RM / Distributor Do-It-Yourself Foliyo Gold SEBI RIA
How are they paid? ✕Commission from product manufacturers –No advisor — you pay nothing, get nothing ✓Flat ₹9,999/yr fee — nothing else
Fiduciary duty? ✕None. They are product sales agents –N/A — no one is accountable but you ✓Legally mandated by SEBI
Goal-based allocation? ✕Rarely — pushed toward whatever pays more –Only if you build and maintain it yourself ✓Built around your goals, horizon & risk
Ongoing rebalancing? ✕Not proactive — you're often on your own –Requires your own time & market tracking ✓Continuously monitored and rebalanced for you
Regulator? ✕AMFI (self-regulatory, lighter touch) –None ✓SEBI — same as stock exchanges
Conflict of interest? ✕Structural — higher commission = push that product –None, but no expert check on your decisions either ✓None — income independent of recommendations
— Our Investment Philosophy

Superior risk-adjusted returns.

As investment advisers, we aim to recommend assets and funds where the risk-return trade-off favours superior returns — buying quality with a margin of safety, rather than chasing whatever is hot.

Value Time Intrinsic Value Overvalued Undervalued Margin of Safety

Illustrative concept only, for explanation purposes — not a chart of actual or projected fund performance, and not a promise or guarantee of returns.

— Our Research Process

The kind of research usually reserved for private banks.

Every recommendation your RIA makes is backed by two layers of continuous research — one on where markets are headed, one on which funds deserve your money.

🌍 Macro Research

Macro & Market Research

We track economic cycles, rate cycles and market regime shifts continuously — research depth benchmarked against what large global institutions run in-house.

📊 Quant Screening

Quantitative Fund Screening

A proprietary algorithm ranks funds on rolling returns, risk-adjusted ratios, and up-capture / down-capture behaviour in rising and falling markets.

🔍 Qualitative Diligence

Qualitative Fund Diligence

Fund manager interviews to understand their philosophy, process and consistency — because numbers alone don't tell the whole story.

FOLIYO GOLD PLAN · ₹9,999/yr
— Managed Investment Strategies

Institutional-grade portfolios, built for your goals.

Our expert team selects 5–6 mutual funds across asset classes, builds a strategy matched to your goals, then actively monitors and rebalances as markets evolve — so you never have to.

Aggressive Growth
High equity tilt for long-horizon wealth creation
Retirement
SIP-to-SWP transition with capital protection
Wealth Preservation
Low-volatility blend for capital protection
Regular Income
Hybrid + debt for predictable monthly cashflow
Fund mix:
Equity Debt Gold International
01
Share your goal, risk appetite and investment horizon
02
We hand-pick 5–6 funds and set the initial allocation for your strategy
03
We monitor markets continuously and rebalance when conditions warrant
Yearly subscription
₹9,999 + 18% GST
≈ ₹11,799 / year, all-in
No commissions · No hidden fees
Institutional-grade portfolio management at a fraction of the cost of a PMS.
— Foliyo Gold Plan: What's Included

The four-step plan, in six moving parts.

Everything your RIA does for you, from the first conversation onward.

01

Financial Plan

Built on your income, expenses and goals — house, education, retirement.

02

Portfolio Review

We review your existing investments to flag what's underperforming or costing you in commissions, and advise how to restructure.

03

Asset Allocation

Your investment is split across equity, debt, gold, international and liquid — e.g. a ₹1L SIP as 70% equity / 20% debt / 10% gold & international — with specific funds recommended for each slice.

04

Execution Support

Our team helps you invest via Groww, Zerodha, or whichever app you prefer.

05

Ongoing Rebalancing

We track markets continuously and proactively rebalance — e.g. raising your equity allocation from 70% to 80% if conditions turn favourable.

06

Annual Review

A 45-minute meeting with your RIA each year to revisit goals, portfolio performance and life changes.

— How It Works

From first call to fully invested.

No lengthy onboarding, no runaround — a clear path from sign-up to a fully managed portfolio.

01

Sign & Pay

You sign a digital, SEBI-mandated agreement and pay the fee.

02

Share Your Details

Two 30-minute calls in the first 10 days to collect your financial data — income, expenses, current investments.

03

Planning Call

A 45-minute financial planning call with your RIA — covering asset allocation, fund selection, portfolio review and tax-saving strategies.

04

Invest & Monitor

Hands-on support through execution, then proactive monitoring going forward.

— Summary

Why the Foliyo Gold Plan?

✓
Commissions Saved
₹20–30K/year*
✓
Tax Savings
₹15K/year*
✓
6-Monthly Review Call
One-on-one with your RIA, every 6 months
✓
Personalized Financial Plan
Built around your goals — not generic advice
✓
Strategic + Tactical Allocation
Market-linked, actively managed
✓
Institutional Fund Selection
Quant + qualitative research behind every fund
The Foliyo Gold Plan
You Pay Yearly
₹9,999
+ 18% GST
≈ ₹11,799 all-in, no other charges
Start with Foliyo Gold →

*Illustrative, for a ₹25L portfolio. Individual outcomes vary by portfolio and personal tax situation. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully. Foliyo does not guarantee investment returns.

— 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 — now bringing that same discipline to a fixed-fee plan.

Sachin Kabra
Sachin Kabra
Mohan Gupta
Mohan Gupta

Co-founders

Previously at

HDFC Private Wealth Motilal Oswal Facebook Flipkart
— Common Questions

Everything you want to know.

What exactly is included in the Foliyo Gold Plan?
A personalized financial plan built around your goals, a review of your existing investments, a full asset allocation and fund selection across equity, debt, gold and international funds, hands-on execution support on the app of your choice, ongoing monitoring and rebalancing, and a formal annual review with your RIA.
Is ₹9,999/year really all I pay — no hidden fees?
Yes. ₹9,999 + 18% GST (about ₹11,799 all-in) per year is the entire cost. Your RIA earns no commission from any fund, product, or platform — their only income is the fee you pay directly.
Is this suitable if my portfolio is under ₹50 Lakhs?
Yes — it's designed specifically for this segment. Most fee-only RIAs in India focus on larger AUM-based mandates; the Gold Plan brings the same institutional-grade advisory process to smaller, growing portfolios at a flat, affordable fee.
Who actually manages my money — Foliyo or a human advisor?
A SEBI-registered Investment Adviser from Foliyo's vetted network works with you directly. Foliyo is the technology platform that matches you to the right RIA and supports the relationship — we are not a SEBI RIA ourselves and do not provide investment advice.
How is this different from just buying direct mutual funds myself?
You can buy direct funds yourself, but you're on your own for goal-based allocation, fund selection, tax-aware structuring, and knowing when and how to rebalance. The Gold Plan gives you a qualified RIA who does this analysis for you, continuously — for a fixed fee far below a traditional PMS or wealth management mandate.
What happens after I sign up?
You sign a digital, SEBI-mandated advisory agreement and pay the fee. Over the next 10 days you'll have two short calls to share your financial details, followed by a 45-minute planning session covering allocation, fund selection and tax strategy. Your RIA then supports execution and monitors your portfolio going forward.
— Begin Here

Institutional-grade advice.
One flat fee.

Get a personalized financial plan, fund selection, execution support and ongoing rebalancing from a SEBI-registered RIA — for ₹9,999/year. The intro call is free, and there's no commitment.

Start with Foliyo Gold →
✓ SEBI Registered Advisors ✓ Zero Product Commission ✓ Free 30-Min Intro Call ✓ No Spam, Ever