Online Investment Advisory in India: 6 SEBI-Registered Picks

Picking an online advisor in India shouldn’t feel like decoding fine print. Yet most investors juggle broker apps, YouTube tips, and “free” recommendations that are actually funded by commissions. If you want real, conflict-free guidance, the bar is clear: look for a SEBI-registered Investment Adviser (RIA) with transparent fees, a proper risk profile, and advice that covers more than just picking funds—tax, asset allocation, rebalancing, and behavior coaching included. For salaried professionals and serious DIYers alike, the challenge is separating distributors from advisers, understanding costs, and finding a service that’s responsive, data-led, and easy to start with.

This guide shortlists six credible, SEBI-registered picks you can evaluate side by side. We’ll outline what each offers, the features that matter (AI tools, direct plans, portfolio tracking, human support), pricing and fee structure, who it suits, compliance details, and exactly how to get started—so you can make a fast, informed choice. On the list: Invsify, Kuvera, INDmoney (Finzoom), Invest Yadnya, Finpeg, and Moneylife Advisory (MAS360). Ready to see which one matches your goals and budget? Let’s begin with Invsify.

1. Invsify: AI-driven, conflict-free advisory for salaried Indians

What it is

Invsify is an online investment advisory built for salaried Indians who want smart, conflict-free guidance. It blends a SEBI-registered, fee-only advisory stance with AI-driven insights, covering asset allocation, ongoing optimization, and behavior coaching—without distributor commissions or sales bias.

Key features and differentiators

Invsify focuses on turning data into decisions you can act on, while keeping support always-on and multilingual.

AI-powered insights: Personalized recommendations plus a Wealth Wellness Score.
Conversational RM AI: 24/7, multilingual assistance for planning and portfolio questions.
Real-time advisory: Continuous monitoring and optimization suggestions.
Advanced tracking: Comprehensive portfolio view and weekly tailored insights.
Daily audio snippets: Bite-sized updates on key topics (e.g., Union Budget).
Human backup: 30-second callback for urgent queries.
Hidden fee calculator: See how much you save versus commission-driven models.
Seamless onboarding: Fast KYC and risk profiling to align advice with suitability.

Pricing and fees

Invsify positions itself as fee-only and conflict-free, eliminating hidden commissions common with distributors. Its hidden fee calculator illustrates potential savings and the impact of transparent pricing on long-term wealth outcomes.

No commissions: Advice not tied to product sales.
Transparent charges: Clear, disclosed advisory fees.
Value focus: Optimization designed to offset advisory costs over time.

Who it’s for

If you’re a salaried professional seeking data-backed guidance without sales push, Invsify fits. It also suits DIY investors who want ongoing guardrails and HNIs who value 24/7 access with human escalation.

Fee-conscious investors
Tax- and allocation-aware DIYers
Time-poor professionals needing always-on support

SEBI registration and compliance

Invsify operates as a SEBI-registered Investment Adviser (RIA) and emphasizes suitability through risk profiling, proper disclosures, and a compliant KYC process—aligning advice with your goals and risk capacity.

How to get started

You can set up in minutes and see your Wealth Wellness Score before acting on recommendations.

Complete KYC and risk profiling.
Link or input your existing holdings.
Review the Wealth Wellness Score and AI-driven plan.
Use the hidden fee calculator to gauge savings.
Invest and optimize via trusted partners; chat with AI or request a 30-second callback as needed.

2. Kuvera: Direct-plan investing with advisory-led guidance

What it is

Kuvera is a digital platform for low-cost investing that lets you build and manage portfolios across mutual funds, fixed deposits, and stocks. It positions itself as a 100% free online investment and financial planning platform with no subscription fees, making it attractive for DIY investors who want advisory-led nudges without sales pressure.

Key features and differentiators

Kuvera emphasizes simplicity, transparent costs, and guided decisions that keep you on track.

Direct-plan focus: Low-cost mutual fund access designed to avoid embedded distributor commissions.
Planning-led experience: Goal setup and portfolio organization to keep allocations intentional.
Multi-product access: Invest across mutual funds, fixed deposits, and stocks from one app.
No-subscription model: Discover and invest without a paywall for basic planning tools.

Pricing and fees

Kuvera highlights a 100% free platform with no subscription fees. For mutual funds, direct-plan access helps you avoid ongoing distributor commissions that come with regular plans. Product-specific charges (like fund expense ratios or partner product costs) still apply as usual.

No platform subscription fee
Direct-plan mutual funds to minimize ongoing costs
Standard product-level charges apply

Who it’s for

Ideal for cost-conscious DIY investors and salaried users who want guidance without upselling, plus anyone consolidating MF, FD, and stock investing in one place.

Fee-aware investors optimizing costs
Beginners wanting simple, guided onboarding
Hands-on DIYers consolidating across products

SEBI registration and compliance

Advisory-led features are delivered within a regulatory framework, with KYC, risk profiling, and disclosures forming part of the onboarding. Always verify the current SEBI Investment Adviser details on the SEBI website at signup to ensure you’re covered under an RIA entity.

How to get started

Getting started is quick and structured to keep you moving from plan to action.

Create an account and complete KYC.
Set goals and complete a risk profile.
Explore suggested allocations and products.
Invest in direct-plan mutual funds or choose FDs/stocks as needed.
Track progress and adjust as your goals evolve.

3. INDmoney (Finzoom): Full-stack wealth app with RIA-backed advice

What it is

INDmoney is a full-stack wealth app that blends execution, tracking, and advisory into one experience. Its advisory layer operates under an RIA entity (Finzoom), giving salaried users access to online investment advisory that’s structured, suitability-led, and disclosure-driven.

Key features and differentiators

Built to simplify decision-making and ongoing discipline, INDmoney emphasizes consolidation and guidance over one-off picks.

Unified view: Track holdings in one place for clearer allocation decisions.
Goal-led planning: Map investments to milestones with periodic nudges.
Advisory prompts: Rebalance and optimization suggestions backed by process.
Always-on tracking: Notifications that keep contributions and risk on target.

Pricing and fees

INDmoney discloses advisory fees upfront within the app, while product-level costs (like fund expense ratios or partner product charges) apply as usual. The idea is to keep advice transparent and separate from product distribution.

Advisory fees disclosed in-app
No hidden commissions on advice
Standard product charges still apply

Who it’s for

Ideal for busy salaried professionals who want one app for planning, tracking, and RIA-backed guidance, plus DIY investors who prefer smart nudges over constant handholding.

Time-poor professionals consolidating money tasks
Cost- and risk-aware DIYers seeking structure
Goal-focused families needing accountability

SEBI registration and compliance

Advice is delivered under a SEBI-registered Investment Adviser framework with KYC, risk profiling, and disclosures. For peace of mind, verify the current RIA details on the SEBI website during signup.

How to get started

Begin with a quick onboarding that moves you from discovery to action without friction.

Sign up and complete KYC plus risk profiling.
Link/import existing portfolios for a unified view.
Set goals and review the advisory plan.
Execute recommendations and enable alerts.
Revisit periodically to rebalance and stay on track.

4. Invest Yadnya: Research-heavy advice and planning for DIY investors

What it is

Invest Yadnya is an online investment advisory that leans heavily on research to guide decisions. Positioned as one of India’s best stock analysis websites, it offers financial planning and advisory services aimed at simplifying finance for regular investors who want clarity before they commit.

Key features and differentiators

If you like to read the “why” behind every recommendation, Yadnya’s depth of analysis pairs well with a structured planning workflow.

Research-first approach: Stock analysis and investment evaluation that informs planning decisions.
Planning and analysis: Financial planning, investment analysis, and retirement/tax considerations presented in plain language.
Education-led communication: Explanations that break down complex topics into actionable steps for DIY investors.
Documentation and discipline: Written rationale that helps you stick to allocations and avoid knee‑jerk moves.

Pricing and fees

Invest Yadnya provides fee-based financial planning and advisory, with charges disclosed before engagement. Standard product-level costs (such as fund expense ratios or partner product charges) apply separately.

Transparent, disclosed advisory fees
No ambiguity between advice fees and product costs

Who it’s for

Best for DIY investors and salaried professionals who prefer research-backed guidance and a plan they can execute confidently.

DIY readers who want analysis before action
Beginners seeking simplified explanations
Cost-aware planners who value clarity and documentation

SEBI registration and compliance

Advisory is delivered within SEBI Investment Adviser norms with KYC, suitability, and disclosures. Always verify the current SEBI IA registration details on the SEBI website during signup.

How to get started

Onboarding is straightforward and designed to move you from research to action without losing context.

Create an account and complete KYC plus risk profiling.
Input current holdings and goals to frame the plan.
Review research-backed recommendations and disclosures.
Implement the plan and schedule periodic reviews.
Monitor progress and adjust with fresh analysis as needed.

5. Finpeg: Goal-based advisory with rule-based portfolios

What it is

Finpeg is an online investment advisory that maps your money to specific life goals and runs portfolios with rule-based discipline. The promise is simple: remove guesswork, standardize rebalancing, and keep risk aligned to time horizons so you stay on track.

Key features and differentiators

Finpeg leans on predefined rules to translate your plan into consistent action and reviews.

Rule-based portfolios: Systematic allocation and rebalancing to reduce bias.
Goal mapping: Glide paths that dial risk down as milestones approach.
Automation nudges: SIP setup, rebalancing alerts, and periodic check-ins.
Unified tracking: A consolidated view to monitor progress versus goals.

Pricing and fees

Finpeg follows a fee-based advisory model with clear separation between advisory charges and product costs. Pricing is disclosed before you engage, and standard product-level expenses (like fund expense ratios) apply separately.

Transparent advisory fees disclosed upfront
No bundling with product commissions

Who it’s for

Best suited to salaried families and DIY investors who want structure more than stock tips, and prefer rules over hunches.

Goal-focused planners seeking guardrails
First-time investors needing clarity and cadence
Hands-on DIYers who value discipline

SEBI registration and compliance

Advisory is delivered within SEBI Investment Adviser norms, including KYC, risk profiling, suitability, and disclosures. For assurance, verify the current IA registration details on the SEBI website at signup.

How to get started

Onboarding is built to turn goals into a working plan quickly.

Create an account and complete KYC plus risk profiling.
Define goals, timelines, and required SIP amounts.
Select a rule-based portfolio matched to your risk.
Start SIPs and enable rebalancing reminders.
Review quarterly and adjust contributions as needed.

6. Moneylife Advisory (MAS360): Fee-only guidance focused on investor protection

What it is

MAS360 by Moneylife Advisory is an online investment advisory and personal financial planning service built around investor protection. It emphasizes ethical, effective guidance grounded in rigorous, unbiased research spanning more than a decade—ideal for investors who want clarity before committing money.

Key features and differentiators

MAS360’s edge is a research-first, education-led approach that helps you avoid mis-selling and understand every recommendation you act on.

Unbiased research: Advice anchored in rigorous analysis, not product push.
Education-first reports: Plain-English explanations that demystify choices and risks.
Planning deliverables: Structured financial plans you can implement and review.
Transparency focus: Clear disclosures so costs and trade-offs are visible.

Pricing and fees

Pricing is disclosed before engagement, with advisory charges kept distinct from product-level expenses such as fund expense ratios. The emphasis is on transparency so you know exactly what you pay and why.

Advisory fees disclosed upfront
Product costs (like expense ratios) charged separately

Who it’s for

Perfect for salaried and DIY investors who value independence, documentation, and protection from conflicts of interest, rather than flashy product pitches.

Investor-protection minded users
DIY readers who want research they can trust
First-time planners seeking clear, written guidance

SEBI registration and compliance

Advisory is delivered within SEBI Investment Adviser norms, including KYC, risk profiling, suitability, and disclosures. For assurance, verify the current IA registration details on the SEBI website during signup.

How to get started

Onboarding is straightforward and designed to move you from assessment to an actionable plan.

Create an account and complete KYC plus risk profiling.
Share goals, income, and current holdings.
Review the research-backed plan and disclosures.
Implement recommendations and set review checkpoints.
Track progress and refresh the plan as your life changes.

Next steps

You now have six credible, SEBI-registered routes to get disciplined, transparent advice. The right fit comes down to three things: your goals and timelines, your comfort with fees and process, and the level of guidance you’ll actually use. Make one choice, implement it fully, and give it a fair review cycle before switching.

Define goals: List milestones, amounts, and timelines; note non‑negotiables.
Risk profile honestly: Capacity and behavior matter more than return hopes.
Compare total cost: Advisory fee + product costs; prefer direct plans and fee-only advice.
Evaluate support: AI nudges, human callbacks, language, and response times.
Onboard cleanly: Complete KYC, link holdings, set SIPs, and enable rebalancing alerts.
Review cadence: Quarterly check-ins; rebalance by rules, not headlines.

If you want conflict-free, AI-driven guidance with human backup built for salaried Indians, explore Invsify and get your Wealth Wellness Score today: Start with Invsify.