Every fee is published. First consultation is free across all five services. Nothing is charged until agreed in writing. SEBI-registered, zero commissions.
No spam. No cold calls. A 30-minute call to understand your situation.
No trail commission from AMCs. No referral fees from insurers. No distribution income from any product issuer. The advisory fee is the only income, paid by you to us.
No fund is suggested because of trail commission. No insurance product because of distributor income. The advice has no financial interest in what you invest in. The only interest here is yours.
As a SEBI-registered Investment Adviser (INA000013518), all fees comply with the SEBI Investment Adviser Regulations. Legally required to act in your interest. Not the product issuer's.
Where do you want to start?
What "onwards" means: Starting fees reflect the minimum engagement. Scope, goals, and complexity determine the final fee. Always confirmed in writing after your free first session. You never pay without explicitly agreeing first.
One free call covers either service. Fee confirmed in writing before any work begins.
Book a Free CallEach available standalone or alongside any core engagement.
You don't know the corpus your retirement requires, or have no structured plan to build it.
You need capital gains guidance, regime clarity, ITR filing, or business income restructuring.
Your nominations, Will, or succession documents are incomplete, outdated, or never reviewed.
Two-tier structure based on portfolio size. Fee percentage declines as portfolio grows.
| AUA Slab | MF + Direct Equity | PMS / AIF |
|---|---|---|
| Rs 50L to under Rs 2 Crore | 0.75% p.a. | 1.00% p.a. |
| Rs 2 Crore to under Rs 5 Crore | 0.65% p.a. | 0.90% p.a. |
| Rs 5 Crore to under Rs 10 Crore | 0.60% p.a. | 0.80% p.a. |
| Rs 10 Crore and above | 0.50% p.a. | 0.70% p.a. |
Bonds / NCDs: a one-time fee of 0.50% of the invested transaction value in the year of investment. GST is additional on all fees. Fee structure complies with SEBI Investment Adviser Regulations 2013.
Engage one service or several. First session complimentary across all.
Three steps apply across every service. The first two are always free and carry no obligation.
30-minute call. Your situation, goals, and current financial position. No forms, no sales, no products discussed.
Always freeA gap analysis, position review, or portfolio audit, delivered in writing after the first session. No charge. No obligation.
Always freeScope of work and exact fee confirmed in writing before any advisory work begins. You proceed only when you agree.
No spam. No cold calls. A 30-minute call to understand your situation.
Every pricing question, answered transparently.
It is genuinely free. The first consultation and the written assessment that follows are both free and carry no obligation whatsoever. No fee is charged and no engagement is formalised until the scope and fee are agreed in writing at Step 03. There is no minimum portfolio size. If after the first two steps you decide not to proceed, there is no charge and no follow-up pressure.
The starting fee reflects the minimum engagement. The actual fee depends on scope: the number of goals, complexity of your financial position, income sources, and documentation involved. A financial plan for two goals differs in scope from one covering ten across multiple family members. The final fee is always confirmed in writing after the free first session, before any work begins. Never charged without your explicit agreement.
Payment is requested only at Step 03, after the free consultation and the written assessment. You receive the scope of work and the exact fee in writing. Payment is made only if you choose to proceed. Steps 01 and 02 carry no charge and no obligation.
Yes. Each of the five services (financial planning, retirement planning, wealth management, tax services, and estate planning) is available as a standalone engagement. You can begin with one and add others as your needs evolve. Many clients begin with financial planning and later move to wealth management for ongoing advisory.
No. Financial planning, retirement planning, estate planning, and tax services have no portfolio minimum. Wealth Management starts at Rs 40,000 per year for portfolios under Rs 50 lakhs and is AUA-based above that threshold. The first consultation is free regardless of portfolio size, income level, or stage of life.
For portfolios above Rs 50 lakhs, the annual fee is charged as a percentage of assets under advisory (AUA). The rate declines with portfolio size: 0.75% per annum for portfolios up to Rs 2 Crore, 0.65% for Rs 2 Crore to under Rs 5 Crore, 0.60% for Rs 5 Crore to under Rs 10 Crore, and 0.50% for Rs 10 Crore and above. For PMS and AIF holdings, the rates are 1.00%, 0.90%, 0.80%, and 0.70% respectively. For Bonds or NCDs, a one-time fee of 0.50% of the invested transaction value applies in the year of investment. GST is additional on all fees. Financial Planning is included complimentary at all AUA levels.
Yes. GST at 18% applies to all advisory fees. All prices shown on this page are exclusive of GST unless stated otherwise. GST is applied at the applicable statutory rate on the advisory fee at the time of billing and shown transparently on all invoices.
No. Financial Planning is included complimentary with every Wealth Management engagement at all portfolio levels. Clients who begin directly with Wealth Management receive a complete written financial plan as part of onboarding, at no additional charge. The financial plan and the ongoing advisory work together. They are not billed separately within a Wealth Management engagement.
On clarity, transparency, and the experience of working with a fee-only adviser.
"The team didn't saddle me with generic investment products. Rather, they spent time with me understanding my history, my family background, my hopes and dreams for my dream life."
Chief Surgical Ophthalmologist
Financial Planning"We don't panic now even if the markets are volatile. We have a disciplined, clear road map with us and we let the Finnovate team guide us."
IT Professional & Radiologist
Wealth Management"Never gone to any investment advisor in the last 25 years. Trustworthy and transparent - they listen to you very patiently and come out with different plans as per your need."
Plastic Surgeon
Retirement PlanningTestimonials reflect individual client experience of the advisory process. Past experience is not indicative of future results. Investments are subject to market risks. SEBI Reg. INA000013518.
A 30-minute call. No forms, no sales, no products. Just your financial situation, and what we can do about it.
Book a Free Consultation