100% Fee-Only • Zero Commissions • SEBI Regulated

Transparent Advisory Fee Schedule

Under SEBI regulations, we operate on a strict fee-only retainer model. You pay solely for professional, conflict-free advice. We accept zero commissions, referral fees, or kickbacks from mutual fund houses, brokers, or insurance companies.

Statutory Pricing

Simple, Predictable Retainer Tiers

Select the engagement model that matches your wealth complexity. All fees are fully capped under SEBI guidelines.

One-Time Engagement

Financial Blueprint & Audit

A thorough forensic diagnostic of your existing assets, commission leakages, and a complete financial roadmap.

₹35,000+ 18% GST

One-time advisory fee

What's Included:

✓CAS portfolio commission leak analysis
✓Term & health insurance adequacy audit
✓Target asset allocation model
✓Comprehensive written advisory report
✓45 days implementation support via email

Choose Blueprint Plan

Comprehensive Wealth Retainer

Continuous fiduciary stewardship, rebalancing, and tax optimization for family portfolios up to ₹10 Crores+.

₹65,000+ 18% GST

Billed annually (fixed retainer)

Everything in Blueprint, plus:

✓100% Direct Plan Mutual Fund guidance
✓Quarterly portfolio review & rebalancing
✓Annual tax-loss harvesting execution
✓Direct WhatsApp & scheduled phone access
✓Sovereign Gold Bonds & Debt laddering
✓Annual mandatory statutory RPQ updates

Engage Fiduciary Retainer

Cross-Border Mandate

NRI Global Wealth Retainer

Designed specifically for Non-Resident Indians managing capital in India with foreign taxation nuances.

₹85,000+ 18% GST

Billed annually

Specialized Cross-Border Scope:

✓Everything in Comprehensive Retainer
✓NRE/NRO banking & repatriation guidance
✓DTAA & Foreign Tax Credit (FTC) awareness
✓Indian real estate liquidation allocation
✓Collaboration with your family CA/CPA

Choose NRI Mandate

Statutory Compliance with SEBI Fee Regulations:

In compliance with Regulation 15A of SEBI (Investment Advisers) Amendment Regulations, 2020, fees charged by an Investment Adviser shall not exceed ₹1,25,000 per annum per family across all services under the flat fee mode. Our fees (₹35k - ₹85k) operate strictly under this statutory ceiling.

Verify SEBI Disclosures →

Investment in securities market are subject to market risks. Read all related documents carefully before investing. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Common Inquiries

Frequently Asked Questions on Fees

Under SEBI regulations, distribution intermediaries do not charge an upfront advisory fee to clients because they receive trail commissions (typically 0.5% to 1.5% annually) directly from product manufacturers, embedded within the scheme's NAV. On a ₹1 Crore portfolio, this ongoing trail fee amounts to ₹50,000 to ₹1,50,000 every year. As a fee-only Registered Investment Adviser, we receive zero product commissions and advise exclusively on 100% Direct Plans, where the expense ratio savings often offset our flat fee.

In compliance with SEBI circular SEBI/HO/MIRSD/MIRSD-PoD-2/P/CIR/2024/38, fees are collected via formal banking channels (NEFT/RTGS/IMPS) with GST invoices or through the Centralized Fee Collection Mechanism (CeFCoM) managed by BSE. We never accept cash or execute trades on your behalf.

Take the Next Step

Ready for Advice That Serves You First?

Schedule a preliminary 30-minute discovery conversation. We will evaluate your portfolio and explain whether our fee-only retainer is a suitable fit.

Book Discovery Call

Important Disclosures

Investment in securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Operation & Zero Commission Model

We operate strictly on a fee-only advisory model. We do not distribute financial products or receive any commission, brokerage, referral fees, or inducements from any Asset Management Companies (AMCs), insurance providers, or third-party financial institutions. All investment recommendations are executed strictly in Direct Plans.

Regulatory Registration

Entity Name : Aurum Fiduciary

Type : Individual SEBI Registered Investment Adviser

SEBI Reg No. : INA000015678

BASL Membership : BASL - 1892

Statutory Officers & Grievance

Principal Officer: Dr. Aurum Mamal

Grievance Email : advice@sebiadvisor.in

Compliance Officer: Dr. Aurum Mamal

SEBI Local Office: SEBI Bhavan, Bandra Kurla Complex (BKC), Mumbai