Your Questions, Answered

Your advisor will be a SEBI-registered Investment Adviser.

English and Hindi.

Due to SEBI regulations requiring us to maintain a record of all discussions, we prefer online meetings or telephonic conversations, as these allow us to record the conversation for compliance purposes.

We offer communication via email, phone, WhatsApp, and video conferencing. However, we provide investment advice exclusively through email or video conferencing.

We do not endorse any specific investment platform or earn commissions for directing clients to one. You remain free to use the platform of your choice.

No, we don’t provide tax filing services, but we offer tax planning advice as part of our financial plan.

We provide our advisory services online. Availability may depend on the applicable regulatory requirements for your country of residence.

Book a meeting with us by clicking on below link, and we'll guide you through the next steps.

Our service may not be suitable for clients seeking frequent in-person meetings, speculative trading, direct stock recommendations, cryptocurrencies, PMS or other complex investments, or advice focused primarily on short term returns. Our approach is centred on long-term, goal-based financial planning.

No, please send documents only when specifically requested for review. Additionally, we do not accept spreadsheet l files for review unless explicitly asked.

We respect our clients' privacy, so we don't facilitate direct conversations. However, many of our clients are happy to refer us, and you can click here to read their testimonials.

We work with salaried professionals, couples and families, NRIs, government and PSU employees, self-employed professionals, entrepreneurs, and people approaching or already in retirement. Our clients typically seek long term, goal based financial planning rather than product driven or speculative advice.

The first year fee is ₹15,000. It includes your financial plan, a review after 6 months, and email support throughout the 12 month engagement.

The renewal fee is ₹7,500 for a 12 month engagement. It includes portfolio reviews, rebalancing recommendations where required, and ongoing support. Renewal after a longer gap is considered on a case-by-case basis .

We keep our fees affordable to serve a larger section of society with value-for-money pricing. This approach also incentivizes us to control costs while maintaining exceptional service quality.

Yes, you can renew your engagement after a gap. However, support cannot be provided during the inactive period. For longer gaps, renewal is evaluated on a case-by-case basis.

Voluntary. However, we recommend reviewing your plan regularly to stay on track with your financial goals.

We believe in offering transparent and fair pricing for everyone, so we do not offer discounts.

As Charles Portis wisely said, “You must pay for everything in this world one way or another. There is nothing free except the Grace of God.” When it comes to financial advice, you either pay with money for professional expertise or with time and effort to navigate it yourself. By paying for a trusted service, you save time, avoid costly mistakes, and gain tailored guidance that free resources simply can’t provide.

Absolutely! I’m a DIY (Do It Yourself) investor myself. However, if you’d like a second opinion or expert guidance, our services are always available to assist you.

The fee is per couple, which includes dependent children and parents. However, if you prefer to work separately from your spouse or partner, there will be two separate fees.

Yes. We follow a fixed-fee model and do not charge AUM based fees, product commissions, referral fees, or hidden charges.

Choose SahajMoney® for transparent, commission-free, tailored investment advice, ensuring your financial success at a flat fee.

The SahajMoney® journey began in 2005. Our founder Abhishek Kumar, an IIM Bangalore alumnus, became a SEBI Registered Investment Adviser in 2017, when SahajMoney® began providing investment advisory services under the SEBI regulatory framework. Read our story by clicking here:

Our clients are based across the world, with representation on every continent except Antarctica. Nearly 1 in 3 clients is an NRI, including seafarers. About half are between 20 and 30 years of age, around 40% are women, and roughly half engage with us as couples. We also work with PSU and government employees, self-employed professionals and entrepreneurs, as well as retirees and people approaching retirement. NRIs form a meaningful part of our client base, including professionals and seafarers living abroad.

You receive personalised financial advice for a fixed fee, without product commissions influencing the recommendations. Our focus is on suitable, transparent, and cost-conscious solutions aligned with your financial goals.

Check out what our clients say about our service by clicking here : You can also check out our SEBI Disclosure webpage by clicking here :

No, we are not robo-advisors. We provide personalized, human-driven financial advice tailored to your unique needs and goals.

There is no limit to how often you can contact us during the year. However, we ask that you use this access thoughtfully. Our success depends on clients respecting our business model and time. Please avoid frequent inquiries such as asking why the stock market is moving up or down, or seeking advice on every new product that enters the market.

It typically takes 2 weeks to share your financial plan, provided you promptly supply the necessary information during the creation process.

No, we do not provide direct equity or stock advice. However, based on your risk profile, we offer recommendations on equity mutual funds.

No, we do not provide real estate advice, unless it is required for personal consumption or portfolio diversification.

No, we do not typically advise on gold or other commodities, unless they are needed for personal consumption or portfolio diversification.

No, but we can suggest options after thorough research, considering your risk profile and financial goals.

We assess your financial situation and risk profile, prepare and discuss your financial plan, review the plan after 6 months, and remain available for guidance throughout the 12-month engagement.

Yes, we include direct product links within the plan for your convenience.

We do not provide income tax return filing, transaction execution, custody of client funds, or commission based product distribution. Recommendations are advisory in nature, and clients retain control of their investments and accounts.

Yes, we review your existing portfolio thoroughly and provide tailored advice based on your financial goals and preferences.

We review your portfolio and recommend asset rebalancing, if necessary. Additionally, we provide ongoing support throughout the year.

Newton’s Law of Inertia states: ‘An object at rest stays at rest unless acted upon by an external force.’ If your finances feel stuck, it’s time to overcome inertia. Take the first step— click here to book a meeting with us today.

Yes, if they intend to use their savings toward your financial goals. Otherwise, no, as their risk profile may differ from yours.

Financial planning evolves with your changing life circumstances. You can consult us anytime during an active engagement for tailored advice.

You remain responsible for implementing the recommendations through accounts and platforms under your control. We provide ongoing support during the engagement, and review the plan after 6 months.

No, you are free to invest in any instruments of your choice. We provide investment advice tailored to your goals, but the final decision on where to invest is entirely yours.