🔒

Private Preview

This page is currently hidden for review. Please enter the access password to view the pricing guide.

Fiduciary Alignment

Honest pricing. Zero product commissions.

Partner with vetted, fee-only financial planners committed to a strict fiduciary standard. One transparent advisory fee. No product commissions, no insurance push, and no conflicts of interest.

✓ Direct Fiduciary Matching
✓ Direct Mutual Funds Only
✓ Zero Hidden Kickbacks
Investment Tracks

Build long-term wealth.

Invest your assets in professionally constructed portfolios. The more you invest, the lower your advisor fee rate — and all your goals combine for better tiers.

Classical Pillars Background
Portfolio Size
₹1Cr - ₹10Cr eligibility
Tiered Advisory Fee
0.20% - 0.50% best rate
Foliyo Advisor AUM Fee

0.20% – 0.50%

drops gradually at each Crore, up to 0.20%

See how much your fees could be based on your investment amount

Invested
You invest ₹2.0Cr
×
AUM Rate 0.40%
=
Yearly Fee
₹80,000
that's just ₹6,667 a month

Based on tiered direct advisory rates. Zero hidden distributor commission.

— Advisory Cost Models

How fee-only advisors charge.

SEBI-registered Investment Advisers (RIAs) are legally barred from taking commissions. They charge clients directly using three main structures:

Fiduciary Standard

Flat Annual Fee

₹20K – ₹50K / year

A single fixed fee paid annually, completely independent of your portfolio size. Perfect for growing wealth, high-earners, and large corpuses.

Ideal for:
  • Comprehensive financial planning & cash flow reviews
  • Custom asset allocation across mutual funds, stock baskets & real estate
  • Fiduciary tax plan, estate planning, and debt coordination
Percentage-Based

Capped AUM Fee

0.20% – 0.50% / year

Charged as a percentage of assets under advice (AuA). Under our model, it starts at 0.50% for portfolios above ₹1 Cr, and drops gradually at each Crore down to 0.20% at ₹5 Cr+.

Ideal for:
  • Ongoing investment management & rebalancing oversight
  • Clients who want automated portfolio tracking and reviews
  • Portfolios needing dynamic, continuous risk monitoring
Hourly / Modular

Modular Plan

₹5K – ₹15K / module

One-time consulting fee for specific targeted financial questions. Excellent for beginner investors who don't require full comprehensive coverage.

Ideal for:
  • One-time term insurance & health insurance audit
  • Specific goals (e.g. "Am I on track to retire in 10 years?")
  • Second opinion on an existing distributor's portfolio

Distributor vs. Fee-Only RIA at a glance

Understand the commercial difference in advisory alignment

Feature Distributor / Bank RM Foliyo matched fee-only ria
Advisory Fee to You ₹0 ("Free" setup) Paid Directly (Clear flat fee or capped %)
Product Commissions Yes (~1% to 1.5% p.a. built-in trail) Zero (Legally barred by SEBI regulations)
Mutual Funds Used Regular Plans (High expense ratio) Direct Plans (Low expense ratio, save 1%+)
Legal Duty to You Suitability (Can recommend higher-paying products if "suitable") Fiduciary Obligation (Strictly legally bound to act in your best interest)
Insurance Placement Often recommends ULIPs, Endowments (high distributor commissions) Exclusively recommends low-cost Term Insurance and basic policies
Product Incentives Heavily incentivized by banks/fund houses to push specific products Completely unbiased. They earn more only if you renew their advisory contract.
— Transparency First

Frequently asked questions.

Got questions about fiduciary fees, billing models, or platform costs? We've got clear answers.

How does Foliyo sustain its fiduciary model?

Foliyo acts as a fiduciary advisory platform connecting individuals with dedicated RIA services and modern digital portfolio tracks. We charge clear, transparent advisory fees directly to clients on their selected portfolio tracks.

Unlike standard bank portals or regular plan distributors, we do not take hidden commissions or product kickbacks from asset management companies, ensuring complete alignment with our users' interests.

What is the difference between a Direct Plan and a Regular Plan?

Every mutual fund in India has two versions:

Regular Plans: These include a built-in sales commission (typically 1.0% to 1.5% p.a.) paid by the mutual fund company directly to the broker or distributor who sold it to you. This is paid out of your corpus, ongoing, every single year.

Direct Plans: These have no commission payout built into them. As a result, direct plans have lower expense ratios, and that saved difference compounds directly in your portfolio. Fee-only RIAs only advise direct plans, saving you lakhs over the years.

Are advisors' flat fees regulated by SEBI?

Yes. Under the SEBI (Investment Advisers) Regulations, SEBI sets strict guidelines for how RIAs can charge clients to ensure investor protection:

For Flat Fees, the maximum fee allowed is ₹1,25,000 per annum per client.

For AUM-based Fees, the maximum is capped at 2.5% of Assets under Advice (AuA) per annum, though almost all matched advisors on Foliyo charge much lower fiduciary rates, typically ranging from 0.20% to 0.75% p.a.

Is there an introductory consultation call?

Yes. Every recommended advisory matchup or onboarding track on Foliyo starts with a 30-minute introductory consultation with an advisor.

This session is used to discuss your financial goals, evaluate chemistry, and explain the advisor's fee proposal in detail, ensuring you have complete visibility before you commit to any advisory agreement.

How does the 10-year compounding calculator work?

The calculator compares the cost of regular plan drag (defaulting to 1.20% p.a. trail commissions) on your selected corpus against the advisor's direct billing fee (either flat or percentage).

The difference (Annual Savings) represents the friction you keep inside your portfolio. We assume these savings are re-invested back into direct mutual funds compounding annually at a standard rate of 12% per year over a 10-year horizon. This utilizes the future value of an annuity formula to calculate your accumulated wealth advantage.

Secure Match Setup

Your money deserves a fiduciary.

Take the 3-minute matching questionnaire. Match with SEBI-registered, fee-only investment advisors curated for your profile, and book your 30-minute intro consultation.

Match with my Advisor →
✓ SEBI Registered RIAs Only ✓ Zero Distributor Commissions ✓ 30-Min Intro Consultation ✓ No Spam, Ever