SahajMoney Blog

Are Private Banking Fees Negotiable in India?

Private banking and wealth fees in India: which are negotiable, which are set by rules, SEBI's limits, and how they compare with fee-only advice.

19 October 2026

RIA vs Distributor vs Fee-Based Adviser

How SEBI Registered Investment Advisers, mutual fund distributors and "fee-based" advisers differ: registration, who pays them, and what each can do.

17 October 2026

How to Choose a SEBI Investment Adviser

Seven checks before you hire a SEBI Registered Investment Adviser: registration, qualifications, fees, conflicts, the agreement and your rights.

17 October 2026

Senior Citizens' Savings Scheme (SCSS) Guide

SCSS explained: who can invest, the ₹30 lakh limit, 8.2% for Oct–Dec 2026, quarterly interest, tax, unlimited 3-year extensions and early exit.

7 October 2026

Financial Advisor Fees in India: What You Pay

SEBI caps adviser fees for individuals at ₹1,51,000 a year or 2.5% of assets. See what financial advisors in India charge, with yearly costs in ₹.

6 October 2026

What Is a Fee-Only Financial Planner in India?

Learn what fee-only financial planning means, how it differs from commissions and AUM fees, and how to verify a SEBI Registered Investment Adviser.

5 October 2026

A fireside chat with our Founder

Abhishek Kumar on how the 2004 tsunami changed his family's finances, and why he started a fee-only investment advisory practice.

15 April 2021

My Journey to Becoming a Fee-Only Adviser

How the 2004 tsunami turned Abhishek Kumar's family to financial planning, and the path that led him to become a SEBI Registered fee-only adviser.

15 April 2021

Is 6% Inflation Enough for Retirement Planning?

How inflation erodes savings, what drives it, and whether assuming 6% inflation is enough when planning for retirement in India.

13 April 2022