Empowering businesses and individuals across India with strategic financial advisory, comprehensive planning, and expert wealth management solutions rooted in Indian values and global standards.
* Figures are approximate and based on cumulative advisory engagements. Past performance does not guarantee future results. SEBI Reg. No. INA000XXXXXX.
Why Clients Choose Rupyah
Specific credentials, not generic promises
SEBI Registered — Fee-Only
Registered Investment Advisor under SEBI (IA) Regulations 2013 — Reg. No. INA000XXXXXX. We charge flat or AUM-based fees only. Zero distributor commissions. Zero referral kickbacks. Your interests, legally protected.
6 Credentials Across the Team
Our advisors collectively hold CA, CFA, CFP, CPA, MBA (IIM-A), and FRM qualifications — covering every dimension of Indian and international financial planning. Clients across 12 cities, including Mumbai, Delhi, Bengaluru, and Hyderabad.
₹5,000 Cr+ Across 3 Market Cycles
We have advised on portfolios through the 2008 global crisis, the 2020 pandemic crash, and the 2022 rate-tightening cycle — maintaining positive outcomes each time. 500+ clients. 20+ years. No mis-selling record with SEBI.
Comprehensive Financial Services
End-to-end solutions for your financial journey
01
Financial Planning & Accounting
Strategic financial planning tailored to Indian tax laws, regulations, and family structures.
Comprehensive financial analysis
Tax optimization under Indian IT Act
Retirement & succession planning
Cash flow & budget management
02
Risk Management & Compliance
Robust risk frameworks aligned with SEBI, RBI guidelines and international best practices.
Enterprise risk assessment
SEBI & RBI compliance audits
Internal control frameworks
Risk mitigation strategies
03
Corporate Finance & M&A
Expert guidance for mergers, acquisitions, and corporate restructuring in the Indian market.
Valuation & due diligence
Deal structuring & negotiation
Capital raising strategies
Post-merger integration
04
Investment Advisory & Wealth Management
Disciplined wealth management across equities, debt, real estate, and alternative investments.
Portfolio construction & management
Equity, debt & hybrid strategies
Asset allocation optimization
Regular performance reporting
Our Process
Every client engagement follows a disciplined orbit — tap any node to explore each stage in depth
🔍
Discovery
Step 1
📋
Audit
Step 2
🎯
Strategy
Step 3
📊
Planning
Step 4
⚡
Execution
Step 5
🛡️
Compliance
Step 6
📈
Reporting
Step 7
🔄
Review
Step 8
🌱
Growth
Step 9
₹
Rupyah
🔍
Discovery
Step 1
Client Brief
📋
Audit
Step 2
Financial Review
🎯
Strategy
Step 3
Goal Mapping
📊
Planning
Step 4
Roadmap
⚡
Execution
Step 5
Implementation
🛡️
Compliance
Step 6
SEBI / RBI
📈
Reporting
Step 7
Performance
🔄
Review
Step 8
Quarterly
🌱
Growth
Step 9
Wealth Building
🔍
Discovery
Step 1
Phase
Initiation
Client Onboarding
Duration
1–2 Weeks
Typical timeline
Deliverable
Brief Report
Scoped document
Key Activities
Activity 1
—
Activity 2
—
Activity 3
—
Activity 4
—
What We Do
Details load on click.
Our Methodology
From first conversation to ongoing advisory — the four pillars of every Rupyah engagement
01
Discovery & Assessment
We begin with an in-depth understanding of your financial position, family goals, business objectives, and risk appetite. Every engagement starts with thorough due diligence — not product pitches.
02
Strategic Planning
We develop a customised financial strategy aligned with Indian regulations and your unique objectives. Every recommendation is backed by data, research, and scenario analysis specific to your situation.
03
Implementation
Our team executes your strategy with precision, coordinating with banks, brokers, legal advisors, and other stakeholders to ensure seamless execution across all SEBI, RBI, and FEMA compliance requirements.
04
Monitoring & Review
We provide continuous portfolio monitoring, quarterly review calls, and proactive rebalancing — keeping you on track toward your financial goals quarter after quarter, year after year.
Meet Our Advisors
Experienced professionals with deep expertise in Indian and global markets
VR
Vikram Rao
Founder & Managing Director
CA · CFA · 22 Years Experience
Former VP at HDFC Securities. Specialises in family wealth structuring, cross-border taxation, and succession planning for promoter families.
SA
Sunita Agarwal
Head of Corporate Finance
MBA (IIM-A) · CPA · 18 Years Experience
15+ M&A transactions executed across FMCG, pharma, and technology sectors. Expert in deal structuring and SEBI takeover code compliance.
RM
Rajesh Menon
Chief Investment Strategist
CFP · FRM · 16 Years Experience
Managed ₹2800Cr+ in AUM across equity, debt, and alternative strategies. Former fund manager at Kotak AMC with focus on risk-adjusted returns.
What Our Clients Say
Trusted by families, businesses, and institutions across India
★★★★★
"Rupyah restructured our family wealth across three generations. Their understanding of Indian tax laws and succession planning is unmatched. We've grown our portfolio by 34% over 3 years."
RK
R. KrishnamurthyHNI Client, Bengaluru
★★★★★
"We engaged Rupyah for our Series B due diligence and M&A advisory. Their depth of knowledge in corporate finance and SEBI compliance saved us significant time and capital."
PS
Priya SharmaCFO, SaaS Startup, Pune
★★★★★
"After 15 years of managing my own investments, I finally handed over to professionals. Rupyah's quarterly reviews and transparent reporting give me complete peace of mind."
AM
Arvind MehtaRetired IAS Officer, Delhi
Disclaimer: The above are illustrative client experiences shared with consent. Names and identifying details have been changed to protect privacy. These testimonials do not constitute a guarantee of similar results. Investments are subject to market risks. Past performance is not indicative of future returns. SEBI Reg. No. INA000XXXXXX.
Frequently Asked Questions
Everything you need to know before working with us
Yes. Rupyah is a SEBI Registered Investment Advisor (RIA) with Registration No. INA000XXXXXX. You can verify this directly on the SEBI website at sebi.gov.in. All our advisory services are rendered in compliance with SEBI (Investment Advisers) Regulations, 2013.
For individual wealth management, we typically work with investable assets of ₹50 lakhs and above. For corporate finance and compliance services, there is no minimum — we work with startups through large enterprises. Please contact us to discuss your specific situation.
We operate on a flat fee or AUM-based fee model — never on commissions. This ensures our advice is completely unbiased. Fee structures are disclosed in full before engagement, in compliance with SEBI RIA regulations. We do not receive any distributor commissions or referral fees.
Yes. We have significant experience advising NRIs on India-linked portfolios, FEMA compliance, double tax treaty benefits, and repatriation strategies. We serve clients across the GCC, UK, USA, Canada, Singapore, and Australia.
Book a free 30-minute discovery call using the form below. There is no obligation. We will understand your goals, answer your questions, and determine whether we are the right fit. If we proceed, we provide a detailed engagement letter with scope, timeline, and fees.
Absolute confidentiality is fundamental to our practice. All client information is protected under signed NDAs, our Privacy Policy, and applicable data protection laws including India's DPDP Act 2023. We do not share client data with any third party without explicit consent.
Start Your Financial Journey Today
Schedule a confidential consultation with our expert advisors. No obligation. No jargon. Just honest guidance.
Effective Date: 1 January 2025 | Last Updated: 1 May 2026
1. Who We Are
Rupyah Financial Consultancy ("Rupyah", "we", "us") is a SEBI Registered Investment Advisor (Reg. No. INA000XXXXXX) headquartered at Bandra Kurla Complex, Mumbai 400051, India. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Information Technology Act, 2000, the IT (Amendment) Act, 2008, and applicable SEBI regulations.
2. Information We Collect
Identity & Contact: Full name, phone number, email address, PAN, Aadhaar (where required by regulation).
Financial Information: Income details, investment goals, risk profile, and portfolio data provided during onboarding.
Usage Data: Pages visited, time on site, device type, browser, and IP address (collected via cookies and analytics tools).
Communication Records: Emails, WhatsApp messages, and call logs where you have contacted us directly.
3. How We Use Your Information
Provide investment advisory and financial planning services.
Comply with SEBI, PMLA, and other regulatory obligations including KYC verification.
Send service updates, market insights, and consultation reminders.
Improve our website and personalise your experience.
Respond to enquiries submitted via our contact form.
4. Sharing & Disclosure
We never sell your personal data. We may share information with:
Regulatory authorities (SEBI, IRDAI, Income Tax Department) when legally required.
Banks, brokers, and depositories to execute your instructions.
Trusted technology service providers under strict confidentiality agreements.
5. Data Retention
Client records are retained for a minimum of 5 years as mandated by SEBI (Investment Advisers) Regulations, 2013. Contact form enquiries are retained for 12 months.
6. Cookies
We use essential cookies for site functionality and analytics cookies (anonymised) to understand traffic patterns. You may disable cookies in your browser settings; this will not affect core site functionality.
7. Your Rights
Access, correct, or request deletion of your personal data.
Withdraw consent for marketing communications at any time.
Lodge a complaint with the relevant data protection authority.
We implement industry-standard security measures including TLS encryption, access controls, and periodic security audits. However, no transmission over the internet is 100% secure.
9. Changes to This Policy
We may update this policy periodically. Material changes will be notified via email or a prominent notice on this website.
Effective Date: 1 January 2025 | Last Updated: 1 May 2026
1. Acceptance of Terms
By accessing this website or engaging with Rupyah Financial Consultancy ("Rupyah"), you agree to be bound by these Terms of Service. If you do not agree, please discontinue use immediately.
2. Nature of Services
Rupyah is a SEBI Registered Investment Advisor (Reg. No. INA000XXXXXX). Our services include investment advisory, financial planning, tax advisory, and NRI advisory. All advice is provided in a fiduciary capacity and is specific to each client's risk profile and goals.
3. Investment Risk Disclaimer
Investments in securities markets are subject to market risks. Past performance is not indicative of future results. Returns are not guaranteed. Please read all scheme-related documents carefully before investing. Rupyah's registration with SEBI does not guarantee the quality of advice or returns to investors.
4. No Warranty on Website Content
Content on this website is for informational purposes only and does not constitute personalised investment advice. Exchange rates, market data, and other figures shown are indicative only. Rupyah makes no warranty, express or implied, regarding accuracy, completeness, or fitness for any particular purpose.
5. Client Obligations
Provide accurate and complete information during onboarding and KYC.
Notify us promptly of any material change in your financial circumstances.
Not use our services for any unlawful purpose including money laundering.
6. Fees & Payments
Advisory fees are disclosed upfront in the Client Agreement as required by SEBI (Investment Advisers) Regulations, 2013. Fees are non-refundable unless otherwise agreed in writing.
7. Intellectual Property
All content on this website including text, graphics, logos, and reports is the intellectual property of Rupyah Financial Consultancy. Reproduction without prior written consent is prohibited.
8. Limitation of Liability
To the maximum extent permitted by law, Rupyah shall not be liable for any indirect, incidental, or consequential loss arising from your use of this website or reliance on any content herein.
9. Grievance Redressal
If you have a complaint, contact our Grievance Officer at advisory@rupyah.com. Unresolved disputes may be escalated to SEBI's SCORES portal at scores.gov.in.
10. Governing Law
These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Mumbai, Maharashtra.
11. Amendments
Rupyah reserves the right to amend these Terms at any time. Continued use of the website after changes constitutes acceptance of the revised Terms.