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, per couple (including dependent children and parents). Renewal ₹7,500 a year.
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?
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.
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.
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 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.
Retirement / F.I.R.E Plan
Our retirement / F.I.R.E. (Financial Independence, Retire Early) plan includes a personalized roadmap to achieve your retirement or F.I.R.E goals.
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Goal-based Plan
Our goal-based financial plan offers a personalized roadmap to achieve your life goals other than retirement / F.I.R.E. goals like buying a home or funding education.
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Investment Plan
Our comprehensive investment plan includes tailored portfolio design, specific investment advice, and detailed monthly and lump-sum allocations to achieve your short-, medium-, and long-term goals.
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Insurance Plan
Our insurance plan includes a review of your existing life, health, and personal accident policies, with recommendations to ensure adequate coverage, fill gaps, and align with your financial goals.
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Tax Plan
Our tax plan covers review of existing tax saving strategy including investments and insurance plans with recommendation to ensure liquidity while optimizing tax saving.
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Risk Profiling
We assess your risk tolerance, financial capacity, goals, and investment horizon to determine an appropriate asset allocation.
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Tailored Financial Advice At a Price You Can Afford!
Speak to SahajMoney® advisor today to achieve your financial goals with confidence.