We match you with SEBI-registered, fee-only financial advisors who earn nothing from product commissions — ever. No commission conflicts. No bank sales pitches.
₹50L corpus · +₹12L/yr · 10 year horizon · 12% growth
Real financial questions Indian investors ask. Transparent answers you can trust.
"SIP vs Lumpsum: Where should I invest in today's high market?"
Get matched with certified SEBI-registered, fee-only financial planners who put your interests first. 100% commission-free.
Find My AdvisorSee exactly how much you pay in hidden mutual fund trail commissions and what you could save with fee-only advice.
Run the CalculatorDistributor vs Fiduciary RIA
Most "free" advisors earn ~1–2% commissions from the products they recommend. Over time, these charges can cost you lakhs.
They operate under aggressive pressure to sell you expensive ULIPs and commission-paying mutual funds.
As sales agents of the product manufacturer, they carry no legal obligation to act in your best financial interest.
Paid transparently and directly by you. Zero indirect commissions.
Your advisor is NOT paid by mutual funds, insurers, banks, or other product companies.
Bound strictly by SEBI RIA regulations to act in your best interest at all times.
Share your goals, get matched with a suitable advisor, and book a free intro call — without spam or commitment.
Tell us your goals, income, city, and current advisory setup.
We find the most suitable advisor for you.
Schedule a free 30-minute call with the advisor to evaluate a mutual fit.
Hire the advisor you align with best.
"Most ESOP holders I meet are under-diversified. By the time they realise it, the window to rebalance has closed."
Good fee-only advisors exist. Finding the right one for your specific situation has been the hard part — until now.
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 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.
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.
Foliyo makes it easier. Answer a few questions, get matched with a suitable advisor, and book a free intro call — often within 24 hours.
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.
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.
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.
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.
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