12 Best SEBI-Registered Investment Advisors in India (2025)

Picking a financial advisor shouldn’t feel like a gamble. Yet most investors are stuck between influencer tips, distributor “advice” laced with hidden commissions, and a maze of products that don’t match their goals. If you’re a salaried professional in India, you likely want three things: conflict‑free guidance, clear pricing, and a way to verify that the person advising you is actually regulated. That’s where SEBI registration as an Investment Adviser (RIA) becomes non‑negotiable—and where a transparent comparison of credible options saves time and money.

This guide curates 12 of the best SEBI‑registered investment advisors in India for 2025—spanning bank‑backed platforms, boutique fee‑only planners, and tech‑first/AI‑enabled advisory. For each, you’ll see why it stands out, who it’s best for, key services, typical fees, and how to verify the SEBI license yourself on the official database. Our picks emphasize investor‑first processes, transparent fee models, strong research and planning rigor, and a smooth digital experience. Use this as a short list to match your needs—whether you want comprehensive financial planning, portfolio optimization, or goal‑based investing—then verify and engage with confidence.

1. Invsify

Invsify blends AI-first advisory with human oversight to give salaried Indians conflict-free, data-backed guidance. Think real-time portfolio intelligence, a personalized Wealth Wellness Score, and a 30-second human callback when you need it—without distributor commissions. It’s a strong contender if you want the best SEBI-registered advisor experience with radical fee transparency.

Why it stands out

Invsify’s “conversational RM AI” delivers 24/7 multilingual support, daily audio insights, and ongoing portfolio optimization, while the Hidden Fee Calculator shows how much you save versus commission-led distribution. The combo of always-on AI plus rapid human help keeps you informed and in control.

Best for

If you value transparency and speed, Invsify fits well.

• Salaried professionals: Goal-based planning with clear, conflict-free advice.

• DIY investors: Real-time AI nudges and tracking without giving up control.

• HNIs/time-poor users: Pro-grade monitoring with quick human escalation.

• Multilingual users: 24/7 assistance beyond English-only interfaces.

Key services

You get a modern, end-to-end advisory stack focused on outcomes.

• AI-powered insights: Personalized Wealth Wellness Score and real-time recommendations.

• Conversational RM AI (24/7): Multilingual assistant for planning and portfolio queries.

• Advanced portfolio tracking: Consolidated monitoring across investments.

• Daily audio snippets: Bite-sized updates on key financial topics (e.g., Union Budget).

• Risk profiling & seamless KYC: Frictionless onboarding into advice.

• Weekly personalized insights: Ongoing, tailored nudges and reviews.

• Human support: 30-second callback for urgent needs.

• Hidden Fee Calculator: Clear view of savings from a fee-only model.

Pricing and fees

Invsify operates on a transparent, fee-only model with no distributor commissions. Pricing is displayed upfront in-app, and the Hidden Fee Calculator quantifies potential savings versus traditional commission-based distribution.

SEBI registration and verification

Invsify operates as a SEBI-registered Investment Adviser (RIA). Before onboarding, verify the registration on SEBI’s official Investment Adviser list by searching the firm name and matching status and details. Always request the latest SEBI certificate and client agreement before you pay.

2. ET Money Genius

ET Money combines a mobile-first investing experience with SEBI-registered investment advice. Its Genius membership focuses on personalized plans you can act on instantly—start SIPs, invest in stocks, and keep your money moving without juggling multiple platforms.

Why it stands out

Genius keeps guidance and execution under one roof, so your personalized plan isn’t just a report—it’s actionable. The app experience lowers friction for first-time and busy investors who want clarity, nudges, and quick implementation from a SEBI-registered investment advisor.

• App-first convenience: Plan, start SIPs, and invest in stocks in one place.

• Personalized plans: Tailored guidance aligned to your profile and goals.

• Actionable flow: Move from advice to execution without context switching.

Best for

If you prefer a guided, app-led journey with clear next steps, Genius is a strong fit.

• First-time investors: Hand-holding to set up and stick to SIPs.

• Salaried professionals: Goal-led plans with low maintenance.

• Mobile-first users: End-to-end journey on a single app.

Key services

Genius centers on converting advice into disciplined investing and tracking.

• Personalized plans: Recommendations aligned to your profile.

• SIP setup and management: Start and maintain systematic investing.

• Stock and fund investing access: Implement ideas within the app.

Pricing and fees

Genius is a paid membership; pricing is disclosed in-app before you subscribe. Since advisory is offered under the SEBI Investment Adviser framework, review the fee disclosure document in the app, understand inclusions, billing cadence, and any limits on advisory scope before you proceed.

SEBI registration and verification

ET Money is a SEBI-registered Investment Advisor. Verify on SEBI’s official Investment Adviser list by searching the legal entity name and matching the registration number shown in the app’s footer/profile. Cross-check status, validity, and city, and sign the standard RIA client agreement before paying any fee.

3. Scripbox Private Wealth (Mitraz Financial Services)

For investors who want a seasoned advisory team with a strong planning backbone and an easy-to-use digital experience, Scripbox Private Wealth operates its advisory via Mitraz Financial Services Pvt Ltd—listed among SEBI-registered Investment Advisers. The proposition: disciplined asset allocation, ongoing reviews, and a human-led relationship that still feels modern and efficient.

Why it stands out

You get the comfort of a well-known wealth platform with the regulatory clarity of a dedicated RIA entity. The emphasis is on goal-based planning and portfolio governance—helping families and busy professionals avoid ad‑hoc product picks and stick to a documented strategy.

• Planning-first approach: Clear goals, risk profile, and asset allocation policy.

• Repeatable process: Scheduled reviews, rebalancing triggers, and documentation.

• Digital + human model: Track progress while your advisor handles the heavy lifting.

Best for

If you prefer a relationship-led advisory with institutional-grade discipline, this fits well.

• HNIs and affluent families: Structured wealth oversight and family-level planning.

• Salaried professionals with growing portfolios: Policy-driven investing and guardrails.

• Investors seeking accountability: Cadenced reviews and clear next steps.

Key services

The focus is on building and maintaining a resilient, goal-linked portfolio rather than chasing fads.

• Comprehensive financial planning: Goals, cash flows, contingencies, and policies.

• Asset allocation and rebalancing: Research-led mix with periodic course correction.

• Portfolio monitoring and reports: Performance, risk checks, and variance alerts.

• Tax- and rule-aware implementation: Guidance aligned with regulations and disclosures.

Pricing and fees

As a SEBI-registered Investment Adviser, fees are charged transparently under the IA framework and disclosed in the advisory agreement and fee document. Review the fee model, billing cadence, and inclusions before onboarding; avoid any arrangement that mixes advisory with distribution commissions.

SEBI registration and verification

Scripbox Private Wealth renders advice through Mitraz Financial Services Pvt Ltd, a SEBI-registered Investment Adviser. Before you engage, search the official SEBI Investment Adviser list for the legal name, match the registration number, status, city, and validity, and request the latest SEBI certificate and standard RIA client agreement for your records.

4. Paytm Money Advisory

Paytm Money’s advisory brings a familiar, app-led experience to investors who want guidance and immediate execution in the same place. The proposition is simple: convert a goal and risk profile into a plan you can act on inside the app, then stay on track with scheduled reviews and alerts. If you prefer fewer handoffs and a clean mobile journey, this is an easy shortlist pick.

Why it stands out

An integrated journey from advice to action reduces friction for busy, salaried users. Onboarding, risk profiling, plan visualization, and implementation happen inside one interface, supported by at-scale digital processes and clear, in-app disclosures.

Best for

• Mobile-first investors: Prefer planning and execution within a single app.

• First-time SIP users: Want hand-holding to start and stick with disciplined investing.

• Salaried professionals: Need simple, low-maintenance goal tracking and reminders.

Key services

• Goal and risk profiling: Structured inputs to align plans with time horizons and risk capacity.

• Plan-to-execution flow: Present recommendations and enable action on supported products in-app.

• Portfolio tracking and nudges: Periodic reviews, alerts, and documentation to stay aligned to plan.

• Digital records: Advice, fee disclosures, and agreements accessible inside your profile.

Pricing and fees

Advisory access is offered on a paid basis. Fees and inclusions are disclosed in-app before you subscribe. Review the advisory scope, billing cadence, and the SEBI-mandated fee disclosure document inside the app, and confirm there are no distribution commissions linked to advice.

SEBI registration and verification

Before subscribing, verify Investment Adviser status on SEBI’s official Investment Adviser list. Search the legal entity name (for example, “Paytm Money Limited” or any advisory subsidiary shown in-app), then match the registration number, status, city, and validity. Sign the standard SEBI RIA client agreement only after you’ve cross-checked these details.

5. HDFC Securities Investment Advisory

Backed by the HDFC Group, HDFC Securities brings recognizable brand trust, deep research, and an integrated app/web journey to investors who prefer clear guardrails over trial-and-error. If you’re shortlisting the best SEBI-registered advisors for a guided, long-term approach, HDFC Securities’ advisory pairs disciplined research with easy implementation.

Why it stands out

The proposition is research-led advice you can act on quickly inside a familiar ecosystem, with long-term orientation and thorough documentation.

• Group credibility: Backing of HDFC Group inspires confidence for first-time and busy investors.

• Research depth: In-depth equity and mutual fund research informs recommendations.

• Long-term focus: Emphasis on quality research and steady compounding over fads.

• Integrated journey: Plan, review, and execute within the same digital stack.

Best for

Choose this if you want a recognizable brand, disciplined research, and low-friction execution.

• Salaried professionals: Guided goal discipline and periodic reviews.

• First-time investors: Structured onboarding and hand-holding via app/web.

• DIY-leaning users: Prefer research-backed prompts without micro-managing every move.

Key services

HDFC Securities is widely known for equity and mutual fund research; advisory maps that rigor into an investable plan.

• Equity and derivative research

• Mutual fund research

• In-depth reports and market analysis

• Risk profiling and recommendations aligned to time horizons

Pricing and fees

Advisory is paid. Fees are disclosed upfront in the SEBI-mandated advisory agreement and fee document. Confirm that your advisory account is fee-only under the IA framework and that advisory and distribution (if any) remain strictly segregated.

SEBI registration and verification

Before onboarding, search the SEBI “Investment Adviser” list for the legal entity (e.g., “HDFC Securities Limited”), then match registration number, status, city, and validity. Review the latest SEBI certificate and sign the standard RIA client agreement only after these checks are complete.

6. ICICI Securities Investment Advisory

ICICI Securities (ICICI Direct) brings a bank-backed platform with deep, research-driven guidance across equities, commodities, derivatives, and mutual funds. If you’re shortlisting the best SEBI-registered advisor options that pair credible research with easy execution, this is a familiar, feature-rich choice for salaried investors.

Why it stands out

ICICI Direct is known for in-depth, research-backed insights and strong investor education, helping you move from idea to action with clarity.

• Research depth: Fundamental and technical analysis, stock recommendations, and market strategies.

• Multi-asset coverage: Equities, derivatives, commodities, and mutual funds in one ecosystem.

• Education-first: Tools and content that help you understand and stick to a plan.

Best for

• Salaried professionals: Want a disciplined plan backed by credible research.

• Active learners/DIY investors: Prefer to study research and implement selectively.

• First-time investors: Need structured guidance inside a trusted, large-platform experience.

Key services

You get research and tools designed to convert analysis into investable actions.

• Fundamental and technical research: Data-backed views and daily calls.

• Stock/fund recommendations and strategies: Idea generation with clear rationale.

• Portfolio tools and watchlists: Track, review, and act with fewer handoffs.

Pricing and fees

Advisory is offered on a paid basis under the SEBI Investment Adviser framework. Review the advisory agreement and fee disclosure for inclusions, billing cadence, and scope. Ensure advisory remains fee-only and clearly segregated from any distribution activities.

SEBI registration and verification

ICICI’s advisory is rendered through a SEBI-registered Investment Adviser entity within the group. Before you subscribe, verify details on SEBI’s official “Investment Adviser” list by searching the legal name shown in ICICI’s disclosures (for example, “ICICI Investment Management Company Limited” or “ICICI Securities Limited”), then match the registration number, status, city, and validity. Sign the standard SEBI RIA client agreement only after these checks.

7. Axis Securities Investment Advisory

Axis Securities is known for quality research reports and equity analysis that turn market insight into clear, actionable guidance. If you’re shortlisting the best SEBI-registered advisor options with a research-first approach, Axis emphasizes in-depth stock work, target prices, and strategy alignment so salaried investors can execute with confidence.

Why it stands out

It focuses on consistent, research-backed recommendations that are simple to act on, pairing target prices with market context so decisions aren’t guesswork.

• Research you can use: Stock calls with target prices and clear rationale.

• Depth across markets: Equity and derivatives coverage to match your style.

• Personalized strategies: Advice aligned to profile, risk, and goals.

Best for

Choose Axis if you want disciplined, report-driven guidance with clear next steps.

• Salaried professionals: Prefer structured, research-led portfolio direction.

• DIY investors: Want expert research to inform independent decisions.

• Active traders: Benefit from derivatives and equity market insights.

Key services

Expect a tight set of services designed to move from analysis to action.

• Stock recommendations and target prices

• Equity and derivative market research

• Personalized investment strategies

Pricing and fees

Advisory is paid under the SEBI Investment Adviser framework. Review the advisory agreement and fee disclosure for inclusions, billing cadence, and scope. Ensure advisory remains fee-only and segregated from any distribution commissions.

SEBI registration and verification

Axis renders advisory through a SEBI-registered Investment Adviser entity. Verify on SEBI’s official “Investment Adviser” list by searching the legal name (e.g., “Axis Securities Limited” or the entity shown in disclosures), then match the registration number, status, city, and validity. Sign the standard SEBI RIA client agreement only after these checks.

8. Bajaj Capital Investment Advisers

A trusted national brand with decades of client service, Bajaj Capital’s advisory arm brings structure and accountability to everyday investing. With over 60 years in the industry (per third‑party coverage), its SEBI-registered Investment Adviser entity focuses on planning-first guidance, documented processes, and ongoing reviews—useful if you want a steady hand rather than product-led selling.

Why it stands out

You get the comfort of a legacy firm plus the clarity of a regulated, fee-only RIA engagement. The emphasis is on family goals, risk-aware portfolios, and regular check-ins—so decisions aren’t ad‑hoc.

• Legacy and trust: Long operating history with recognizable brand recall.

• Process discipline: Goal mapping, policy-driven portfolios, and scheduled reviews.

• Clear segregation: Fee-only advice under the RIA; product distribution kept separate.

Best for

• Salaried families: One advisor coordinating education, home, and retirement goals.

• First-time RIA clients: Prefer hand-holding and documented recommendations.

• Pre-retirees/retirees: Need income planning with periodic portfolio governance.

Key services

• Comprehensive financial planning: Goals, risk profiling, and asset allocation policy.

• Portfolio advisory: Research-aligned mix with rebalancing triggers and reviews.

• Periodic reporting: Performance, risk checks, and variance alerts.

• Tax-aware guidance: Implementation aligned to disclosures and regulation.

Pricing and fees

Advisory is paid under the SEBI Investment Adviser framework with fees disclosed upfront in the client agreement and fee document. Insist on a fee-only engagement under “Bajaj Capital Investment Advisers Private Ltd,” confirm inclusions and billing cadence, and ensure no distribution commissions are linked to your advisory account.

SEBI registration and verification

Verify the RIA on SEBI’s official “Investment Adviser” list by searching “Bajaj Capital Investment Advisers Private Ltd,” then match the registration number, status, city, and validity. Ask for the latest SEBI certificate and sign the standard RIA client agreement only after these checks.

9. International Money Matters (IMMPL)

IMMPL is a planner-style advisory many investors shortlist when they want a documented plan, ongoing accountability, and clear separation between advice and product distribution. If you prefer relationship-led guidance with a process you can stick to through market cycles, add IMMPL to your interview list and assess fit via a discovery call.

Why it stands out

The appeal here is a planning‑first engagement that codifies goals, risk, and an asset‑allocation policy, then revisits it on a defined cadence. That structure reduces ad‑hoc decisions, keeps portfolios aligned to time horizons, and makes progress measurable.

• Policy-driven discipline: From risk profiling to rebalancing triggers, decisions follow a written playbook.

• Review cadence: Scheduled check‑ins, variance alerts, and documentation to stay on course.

• Clear segregation: Advisory delivered under the SEBI IA framework with upfront fee disclosures.

Best for

IMMPL suits investors who want guardrails and accountability more than product pitches.

• Salaried families and professionals: Coordinated planning across multiple goals.

• Pre‑retirees/retirees: Income planning with risk control and periodic reviews.

• DIY investors seeking oversight: Remain hands‑on while an advisor enforces discipline.

Key services

Expect end‑to‑end planning that turns objectives into a living investment policy, plus monitoring that keeps it current.

• Comprehensive financial plan: Goals, cash flows, safety nets, and insurance adequacy checks.

• Asset allocation and rebalancing: Research‑aligned mix with threshold‑based course corrections.

• Portfolio monitoring and reports: Performance, risk, and deviations versus plan.

• Retirement and tax‑aware guidance: Drawdown planning and rule‑aligned implementation.

Pricing and fees

Engagements are paid under the SEBI Investment Adviser framework with fees disclosed upfront in the client agreement. Clarify the fee model (e.g., flat/retainer or time‑based), inclusions, billing cadence, and the number of reviews. Insist that all payments are made to the IA entity named in the agreement.

SEBI registration and verification

Before onboarding, verify details on SEBI’s official “Investment Adviser” list. Search the legal name you see in documents (for example, “International Money Matters Private Limited”), then match the registration number, status, city, and validity. Request a copy of the current SEBI certificate and sign the standard SEBI RIA client agreement only after these checks.

10. Plan Ahead Wealth Advisors

Plan Ahead is a boutique, planning‑first advisory often shortlisted by investors who want a documented roadmap, tight review cadence, and a clear line between advice and product distribution. The engagement is relationship-led yet process‑driven—useful if you prefer policy-based investing over ad‑hoc product picks.

Why it stands out

Plan Ahead emphasizes a written investment policy that links your goals, risk capacity, and asset‑allocation rules to rebalancing triggers and review checkpoints. That governance keeps decisions consistent through market cycles and makes progress measurable for busy, salaried investors and families.

Best for

• Salaried families/professionals: Need coordinated planning across multiple goals.

• Pre‑retirees/retirees: Want income strategy, risk control, and periodic course‑corrections.

• DIY investors seeking oversight: Stay hands‑on while an advisor enforces discipline.

Key services

• Comprehensive financial plan: Goals, cash flows, contingencies, and insurance adequacy.

• Asset allocation and rebalancing: Research‑aligned mix with threshold‑based actions.

• Portfolio monitoring and reporting: Performance, risk, and deviations versus plan.

• Retirement and tax‑aware guidance: Drawdown rules and regulation‑aligned implementation.

Pricing and fees

Engagements are fee‑only under the Investment Adviser framework, with charges disclosed upfront in the advisory agreement and fee schedule. Clarify the fee model (flat/retainer or time‑based), inclusions (reviews, reports, advisor access), and billing cadence. Insist that no distribution commissions are linked to your advisory account.

SEBI registration and verification

Before onboarding, verify details on SEBI’s official “Investment Adviser” list. Search the exact legal entity name shown in Plan Ahead’s proposal/client agreement, then match the registration number, status, city, and validity. Request the latest SEBI certificate and sign the standard SEBI RIA client agreement only after these checks.

11. Ladder7 Wealth Planners

Shortlist Ladder7 Wealth Planners if you want a relationship-led, planning-first engagement and prefer policy-based investing over product pitches. Many salaried investors looking for the best SEBI-registered advisor experience value a written roadmap, documented review cadence, and accountability; treat your discovery call as the place to confirm each of these elements before you sign.

Why it stands out

Its potential fit is for investors who want decisions anchored to a written plan rather than market noise. Ask for a documented investment policy (goals, risk, asset-allocation rules) and a fixed review schedule. That governance keeps actions consistent and progress measurable—especially helpful for busy professionals and families juggling multiple goals.

Best for

• Salaried families/professionals: Coordinated goal planning with clear milestones.

• Pre‑retirees/retirees: Income strategy with risk control and periodic course‑corrections.

• Hands-on DIY investors: Stay involved while an advisor enforces discipline and process.

Key services

• Comprehensive financial plan: Goals, cash flows, contingencies, and insurance adequacy.

• Asset allocation and rebalancing rules: Thresholds/triggers agreed upfront.

• Ongoing monitoring and reporting: Performance, risk checks, and deviation alerts.

• Retirement and tax-aware guidance: Drawdown rules and regulation-aligned implementation.

Pricing and fees

Engagements should be under the SEBI Investment Adviser framework with fees disclosed upfront in the advisory agreement. Clarify the fee model (flat/retainer or time-based), inclusions (reviews, reports, advisor access), billing cadence, and ensure advisory is fee-only with no distribution commissions linked to your advisory account.

SEBI registration and verification

Before onboarding, verify the exact legal entity name on SEBI’s official “Investment Adviser” list, then match registration number, status, city, and validity. Request the latest SEBI certificate and sign the standard SEBI RIA client agreement only after these checks. Pay fees only to the IA entity named in your agreement.

12. Holistic Investment Planners

Consider Holistic Investment Planners if you want a relationship-led, planning-first engagement that replaces product noise with a written roadmap. The draw here is governance: a documented investment policy, scheduled reviews, and clear rebalancing rules that keep you aligned to goals. Many shortlist it while evaluating the best SEBI-registered advisor options with strong accountability.

Why it stands out

The advisory format aims to codify goals, risk capacity, and asset-allocation rules into a written policy, then enforce that policy through a fixed review cadence. That structure reduces ad‑hoc decisions and makes progress measurable for busy professionals and families.

Best for

If you value discipline over product pitches, this approach can fit well.

• Salaried families/professionals: Coordinated planning across multiple goals.

• Pre‑retirees/retirees: Income strategy, risk control, and periodic course corrections.

• Hands‑on DIY investors: Stay involved while an advisor enforces process and guardrails.

Key services

Expect a plan-to-portfolio workflow with ongoing monitoring and documentation.

• Comprehensive financial plan: Goals, cash flows, contingencies, and insurance adequacy.

• Asset allocation and rebalancing rules: Thresholds/triggers agreed upfront.

• Ongoing monitoring and reporting: Performance, risk checks, and deviation alerts.

• Retirement and tax‑aware guidance: Drawdown rules and regulation‑aligned implementation.

Pricing and fees

Engagements are under the SEBI Investment Adviser framework with fees disclosed upfront in the client agreement. Clarify the fee model (flat/retainer or time‑based), inclusions (reviews, reports, advisor access), billing cadence, and insist that advisory is not linked to distribution commissions.

SEBI registration and verification

Before onboarding, verify the exact legal entity on SEBI’s official “Investment Adviser” list, then match registration number, status, city, and validity. Request the latest SEBI certificate, sign the standard SEBI RIA client agreement only after these checks, and pay fees solely to the IA entity named in your agreement.

Choosing the right SEBI advisor

You don’t need perfection—you need a regulated partner with a clear process you can stick to. Shortlist two or three from this guide, book discovery calls, ask for sample reports, and pick the one that makes decisions transparent and repeatable, not personality‑driven. Then document everything in a standard SEBI RIA agreement before you pay.

• Verify on SEBI’s IA list: Match legal name, registration number, status, city, and validity.

• Insist on fee‑only: Declare in writing that advice isn’t linked to distributor commissions.

• Demand a written policy: Goals, risk profile, asset‑allocation rules, and rebalancing triggers.

• Fix a review cadence: Quarterly/half‑yearly reviews with variance alerts and actions.

• Check disclosures and records: Advice notes, fee document, and agreements available in‑app/web.

• Know fees and scope: What’s included, billing cadence, and response times.

• Confirm segregation: Advisory and execution kept separate; payments only to the IA entity.

• Test drive first: Discovery call, sample plan/report, and exit terms (data portability).

If you want conflict‑free, real‑time guidance with human oversight and radical transparency, you can start with Invsify.