Best Financial Advisors & Planners in India
Let us help you find the best financial advisors and planners for your needs
RiaFin connects you with qualified and vetted financial advisors and planners across India — including fiduciary professionals, SEBI-registered advisors, CFPs, wealth planners, and investment strategy specialists. Use our platform to find advisors who match your needs, whether it’s retirement planning, investment strategy, tax optimisation, insurance planning, or holistic financial planning.
- Save time in searching for a trusted financial adviser or planner in India for your financial needs
- Be certain in finding a Financial Advisor or Planner in India with our credible selection criteria
- Easily find the Best Financial Advisors and Planners in most metro and capital cities of India
Understanding India's Financial Advisory Landscape
India's financial advisory ecosystem has evolved significantly in recent years, driven by increasing wealth creation, regulatory reforms under SEBI's RIA framework, and growing investor awareness across metro cities and tier-2 urban centers. From Mumbai's corporate wealth managers to Bangalore's tech-savvy fee-only planners, each region presents unique opportunities and challenges for investors seeking professional guidance.
Regional Investment Patterns
Metropolitan areas like Mumbai, Delhi NCR, and Bangalore show higher adoption of fee-only advisory services, with investors prioritizing fiduciary relationships and transparent fee structures. Emerging cities demonstrate growing interest in goal-based planning for retirement, children's education, and wealth accumulation.
Understanding these regional nuances helps you identify advisors familiar with local economic conditions, tax implications, and investment preferences specific to your area.
What Makes Indian Financial Planning Unique?
Indian investors navigate a complex landscape including PPF, EPF, NPS, tax-saving instruments under Section 80C, real estate investments, and family-centric wealth transfer planning. The best financial advisors understand these cultural and regulatory factors.
Look for advisors who specialize in Indian tax optimization, multi-generational planning, and balancing traditional investments with modern portfolio strategies.
Common Questions About Finding Financial Advisors in India
What's the difference between SEBI RIA advisors and traditional distributors?
SEBI-registered RIAs (Registered Investment Advisors) operate under a fiduciary standard, legally obligated to act in your best interest. They typically charge fees directly rather than earning commissions from product sales. Traditional distributors may receive commissions from mutual funds or insurance products, which can create conflicts of interest. For unbiased advice, prioritize fee-only RIA advisors.
How much does a financial advisor cost in India?
Fee structures vary widely. Individual RIAs may charge ₹5,000-₹25,000 for one-time financial plans, or 0.5%-1.5% annually on assets under management (AUM). Corporate advisory firms often start at ₹25,000-₹50,000 for comprehensive planning. Some advisors offer hourly consultations (₹2,000-₹10,000/hour). Always clarify fee structures upfront and ensure no hidden commissions.
Should I choose a local advisor or can I work remotely?
Both approaches work well in 2026. Local advisors offer face-to-face meetings and may have deeper knowledge of regional real estate markets, local business ecosystems, or state-specific regulations. Remote advisors provide flexibility and access to specialists nationwide. Many top advisors now operate hybrid models. Consider communication preferences, specialization needs, and comfort level over pure geography.
What credentials should I look for in an Indian financial planner?
Key certifications include CFP (Certified Financial Planner) from FPSB India, SEBI RIA registration, and membership with BASL (mandatory for RIAs). Additional qualifications like CFA, CWM, or specialized tax planning credentials add value. However, credentials alone don't guarantee quality — also evaluate experience, client reviews, specialization match, and communication style.
How do I verify if a financial advisor is legitimate in India?
Check SEBI's RIA registry for active registration status. Verify BASL membership (mandatory for RIAs) at their member verification portal. Confirm CFP credentials through FPSB India's website. Look for transparency in fee disclosure, clear service agreements, and willingness to provide references. Avoid advisors promising guaranteed returns or pressuring immediate decisions.
Finding the Right Advisor for Your City
Each city in India has its own financial advisory culture shaped by local industries, wealth demographics, and investor sophistication. Use our city-specific pages above to explore advisors who understand your region's unique characteristics — whether that's Mumbai's stock market culture, Bangalore's startup wealth, Delhi's business families, or emerging opportunities in tier-2 cities.
Browse by state and city to find advisors with local expertise, read about regional investment trends, and connect with professionals who understand your specific financial context.
Maharashtra | Delhi | Tamil Nadu | West Bengal | Karnataka | Gujarat | Telangana | Uttar Pradesh | Kerala | Rajasthan | Haryana | Punjab | Goa | Chattisgarh |
Financial Advisory in India
India's financial advisory landscape continues to evolve as investor awareness grows and professional advisory services become more accessible across the region.
Local Economy & Wealth Creation
The local economy supports a diverse population of investors seeking professional financial guidance for wealth creation, preservation, and transfer.
Typical Investor Profile
India investors increasingly recognize the value of fiduciary advisory relationships, fee-only planning models, and goal-based investment strategies.
Key Advisory Trends in India
- Growing awareness of SEBI-registered RIA services
- Increasing adoption of systematic investment planning
- Focus on tax-efficient wealth strategies
- Demand for transparent fee structures
💡 What to Look For in India Advisors
India advisors typically offer comprehensive financial planning, investment advisory, retirement planning, and tax optimization services tailored to local needs.
How do I Find the Best Financial Advisor and Planner in India?
When you're searching for a wealth adviser or a financial planner in India, you may be wondering where to begin your search. More often than not, most people often ask "how do I find a good financial advisor and planner in India?". Locating a good financial advisor and planner can be challenging, but it's not hard.
Here is how to find a good financial advisor and planner in India:
- Wealth Adviser Referrals: The traditional way of finding a financial advisor and planner is through personal and professional referrals.
- Wealth Adviser or Financial Planner Association Websites: You can often locate financial advsiors and planners through various association websites.
- Using a Service Like ours - RiaFin: RiaFin helps you narrow down your search for a financial advisor and planner in India you can trust.
Even with the use of referrals and association websites, all the hard work is still going to come from your end. This means you'll have to interview and research the shortlisted financial advisors and planners in India to ensure they're the best fit for your needs. However, there is an easier way to find a financial advisor and planner: using RiaFin's Advisor Listings helps you mitigate most of the hard work. We provide curated list of best, trusted and reputable financial advisors and planners in India you can hold in high regard.
What to Consider When Choosing a Certified Financial Planner or a Registered Investment Adviser in India?
Before you begin the process of choosing a financial adviser and planner in India, you want to be sure the advisor you choose is right for you. All of our financial planners in India are highly rated and carry a proven success rate. However, you may want a wealth advisor who specialises in an area that's custom-tailored to your goals.
Every financial planner or wealth adviser on RiaFin carries a wealth of experience and expertise. However, each financial advisor and planner will likely have their own area of expertise — an aspect that they're best suited for. If your goals are long-term, short-term, high-risk, or low-risk, you want to be sure the wealth advisor you're choosing is best for you.
RiaFin helps you cut out the research phase of this stage by providing you with financial advisors and planners with their listed specialties. Simply look at the wealth adviser's profile for the "best for" section to find a financial advisor and planner that matches your needs.
If you are looking for a financial advsior and planner in India, here are some key factors to consider:
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Qualifications, Certifications, and Accreditations: Find out what qualifications, certifications, and accreditations do the financial planner has? These do not necessarily make them the best financial advsiors and planners, but at least it sets a baseline of expertise.
- If your chosen financial planner, wealth adviser, or investment advisor is a SEBI RIA then make sure he/she is registered with BASL as it is mandatory. You can verify this be visiting the BASL member check website and by entering financial planner's SEBI RIA no:.
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Also you must find out whether your selected financial planner is an individual financial advisor or a corporate (LLP or Pvt Ltd) financial advisor. Usually, individual financial planners are more keen to provide you a reliable financial planning advice or wealth growth advice as they are fee-only financial planners, however, there are a few fee-only corporate financial planners too. In India, corporate financial advisors can be both RIA and Mutual Fund Distributors, however, they can not provide both services to the same client. Whereas, individual financial advisors can only provide fee-only financial advisory services.
For example - Following are 3 types of financial planners, wealth advisors, or investment advisers in India:- Fee-only Individual & Independent Registered Investment Advisor: e.g. Harsh Roongta
- Fee-only Corporate Registered Investment Advisor: e.g. Suresh Sadagopan - Ladder7 Wealth Planners
- Corporate Wealth Advisory Firm: e.g. Soumya Rajan - Waterfield Financial And Investment Advisors
- Another thing you must make sure is that your chosen financial planner MUST NOT be providing any stock tipping business activities. We do not list any such financial advisors and planners on our website, however, we CAN NOT guarantee if any listed investment advisor is providing such activities.
- Specializations and Type of Clientele: Then, find out if they have any particular specialisation or type of clientele? This can help you determine if they are best suited for your type of situation. For example: Find out if your chosen financial planner specialises in the investment advisory category you are looking for, such as, retirement, children education, tax planning, debt restructuring, etc.
- Communication: Finally, find out what is their communication like? You need to know that you can communicate easily with them and that they will listen to your concerns and answer you questions in a timely manner. Overall, you need to be comfortable with your financial planner as you are usually dealing with some very intimate issues.
More about our financial advisors and planners in India?
Most of the financial advisors and planners listed by us in India are licensed, highly reputable, and discoverable through FPSB and SEBI RIA registrations. When we choose which financial advisor to list for our website consumers, we go through a strict process of research that includes looking into the wealth advisor's success rate, track record, specialties, and more. Whatever your situation may be, we're confident that you will have no problem finding a financial advsior and planner that fits your needs and can get the financial planning job done at a great success for you eventually growing your wealth.