Fee-Only Financial Planning in India
Tailored Financial Plan in 2 Weeks for just ₹15,000/Yr.
Fee-only, fixed-fee financial planning with no product commissions, referral fees, or AUM-based charges.
What you get for ₹15,000
- Your plan
- A written plan (PDF) within 2 weeks of your approving the initial analysis, with an action list and direct product links.
- Meetings
- 2 video meetings in the first year: a plan walk-through and portfolio review after 6 months.
- Questions
- Email any time during the 12 months. We reply within 2 to 3 business days.
- Review
- A review at 6 months, with rebalancing recommendations if your portfolio has drifted.
- Who does the work
- A SEBI Registered Investment Adviser personally prepares and presents every plan.
- Not included
- Tax filing, transaction execution, direct stock tips, crypto and PMS.
- Fee
- ₹15,000 for the first year including GST, per couple (including dependent children and parents). Renewal ₹7,500 a year including GST.
- Where
- Online, by video meeting and email, for clients in India and NRIs abroad. Availability may depend on the rules of your country of residence.
Retirement / F.I.R.E Plan
A retirement plan built from your own expenses: corpus, withdrawal rate, buckets and early retirement, by a fee-only SEBI RIA for ₹15,000 a year.
Read more about Retirement / F.I.R.E Plan
Goal-based Plan
A plan for each life goal, from education to a home: the amount needed, the SIP to get there and priorities when savings fall short. Fee-only.
Read more about Goal-based Plan
Investment Plan
An investment plan built on asset allocation: which funds, how much SIP and when to rebalance, from a fee-only SEBI RIA. No commissions, ₹15,000 a year.
Read more about Investment Plan
Insurance Plan
How much term, health and accident cover you need, and what to do with old policies, from a fee-only SEBI RIA who sells no insurance. ₹15,000 a year.
Read more about Insurance Plan
Tax Plan
Tax as one part of a fee-only financial plan, including tax-aware withdrawals in retirement. Advice only, no filing; ₹15,000 a year.
Read more about Tax Plan
Risk Profiling
Your risk profile sets the equity–debt mix in your plan. We share it for your confirmation before the plan is built, and refresh it at every review.
Read more about Risk Profiling
Is SahajMoney right for you?
Usually a good fit
- Salaried professionals
- Couples and families planning together
- Government and PSU employees
- Self-employed professionals and entrepreneurs
- People approaching or already in retirement
- DIY investors who want a second opinion
Probably not a fit
- Speculative trading or a focus on short-term returns
- Direct stock recommendations
- Cryptocurrency, PMS or other complex products
- Frequent in-person meetings
- Someone to place transactions or hold your money
We give advice; you keep control of your investments and accounts.
Guides for the situations we are asked about most: NRIs, early retirement and IT professionals.
Fixed fee, percentage of assets or commission
How an adviser is paid shapes the advice. A SEBI Registered Investment Adviser is paid by the client, either a fixed fee or a percentage of the assets they advise on. A distributor or agent is paid commission by the product provider for what they sell.
| How the adviser is paid | Who pays | As your portfolio grows | Earns from products you buy |
|---|---|---|---|
| Fixed fee (SahajMoney) | You, directly | The fee does not depend on portfolio size | No |
| Percentage of assets | You, directly | The fee rises with the portfolio | No |
| Commission | The product provider, out of charges you bear | Commission usually rises with the money invested | Yes |
Read the full guide: What is a fee-only financial planner in India?
Questions about the fee
What is a fixed-fee, fee-only financial planner?
A SEBI Registered Investment Adviser who is paid only by the client, as one fixed fee, rather than by commissions on products or a percentage of your portfolio. SahajMoney charges ₹15,000 for the first year and ₹7,500 a year to renew, both including GST.
Does the fee depend on the size of my portfolio?
No. We follow a fixed-fee model and do not charge AUM-based fees, product commissions, referral fees or hidden charges.
Is the fee per person or per couple?
Per couple, including dependent children and parents. If you prefer to work separately from your spouse or partner, there are two separate fees.
What does the first-year fee include?
A written financial plan within 2 weeks of your approving the initial analysis, 2 video meetings, a review at 6 months and email support throughout the 12 months.
What happens after the first year?
Renewal is voluntary and costs ₹7,500, including GST, for a further 12 months. It covers portfolio reviews, rebalancing recommendations where needed and ongoing support.
Will you invest my money for me?
No. We do not place transactions or hold client money. Your plan includes direct product links, and you invest through the platform of your choice, keeping control of your accounts.
How is a SEBI Registered Investment Adviser different from a mutual fund distributor?
A registered adviser is paid by you for advice. A distributor is paid commission by the fund house or insurer for the products sold to you.
Tailored Financial Advice At a Price You Can Afford!
Speak to SahajMoney® advisor today to achieve your financial goals with confidence.