8 Best Financial Planning Firms In India (2025 Rankings)

Finding a reliable financial planning firm in India can feel overwhelming. You see endless options online but struggle to understand which ones truly have your best interests at heart. Some firms push products that earn them hefty commissions while disguising themselves as advisors. Others lack the expertise or technology to handle your specific financial situation properly. The stakes are high because choosing the wrong firm can cost you lakhs in hidden fees and missed opportunities over time. You need transparent advice backed by real credentials, proven track records, and properly aligned incentives.

This guide ranks the 8 best financial planning firms operating in India right now. We evaluated each firm based on their advisory approach, fee structures, range of services offered, technology capabilities, regulatory compliance, and suitability for different investor profiles. Whether you're a salaried professional just starting your wealth journey or someone with substantial assets seeking sophisticated planning and tax optimization, you'll find detailed insights to help you choose the right partner for your financial goals.

1. Invsify

Invsify stands out among the best financial planning firms in India by combining AI-powered technology with SEBI-registered advisory expertise to deliver conflict-free financial guidance. Unlike traditional distributors who earn commissions by pushing specific products, Invsify operates as a registered investment advisor with fiduciary responsibility to act in your best interest. The platform serves salaried professionals and investors across experience levels, from beginners exploring their first investments to high-net-worth individuals seeking sophisticated wealth optimization strategies.

Snapshot and what sets Invsify apart

Your financial decisions get smarter when you access AI-driven insights available 24/7 through Invsify's conversational relationship manager. The platform calculates your personalized Wealth Wellness Score by analyzing your complete financial picture, including investments, goals, risk tolerance, and life stage. You receive daily audio snippets covering current financial topics like budget implications and market movements, keeping you informed without overwhelming jargon. The service eliminates the hidden fees charged by traditional distributors, and their fee calculator shows you exactly how much money you save by avoiding commission-based advice.

Key financial planning and advisory services

Invsify delivers comprehensive portfolio tracking that consolidates all your investments into a single dashboard for easy monitoring. You get real-time AI advisory recommendations tailored to your specific financial situation and changing market conditions. The platform provides personalized weekly insights that highlight actions you should consider based on your goals and portfolio performance. Your onboarding includes a seamless KYC process and detailed risk profiling to ensure all advice matches your comfort level and objectives.

"Smart, conflict-free financial advice powered by AI combined with SEBI registration ensures your advisor's interests align with yours."

How the AI and human experts work together

Technology handles the heavy lifting of data analysis, but you get human support when you need it most. The platform offers 30-second callback service for urgent queries requiring personal attention from qualified advisors. AI processes your financial data continuously to spot opportunities and risks, while human experts interpret complex situations that benefit from professional judgment. This hybrid model gives you unlimited AI chatbot access for routine questions while reserving expert time for strategic decisions and nuanced financial planning.

Fees, transparency and SEBI registration

Invsify maintains SEBI registration as an investment advisor, which legally requires them to prioritize your interests over their own profits. The firm charges transparent advisory fees rather than earning commissions from product manufacturers. You see exactly what you pay upfront, with no hidden charges buried in expense ratios or kickbacks. Their investment partners are carefully vetted, and recommendations focus on direct mutual funds that save you ongoing commission costs.

2. Bajaj Capital

Bajaj Capital brings over 60 years of experience to the Indian financial services landscape, establishing itself as one of the most recognized names in wealth management and investment advisory. The firm operates through a network of branches across major Indian cities, serving both individual investors and business clients. Your relationship with Bajaj Capital typically begins through their physical branch network, where advisors guide you through their comprehensive suite of financial products and planning services.

Firm overview and presence in India

The company maintains a strong physical presence with offices in metropolitan areas and tier-2 cities, making face-to-face consultation accessible to clients across the country. Bajaj Capital has built its reputation by serving multiple generations of families, creating long-term advisory relationships that span decades. Their size and longevity give them established relationships with product manufacturers and fund houses across the Indian financial ecosystem.

Financial planning and investment offerings

You access investment advice covering mutual funds, insurance products, and fixed-income instruments through their platform. Bajaj Capital advisors help you construct portfolios aligned with your goals, whether you're planning for retirement, children's education, or wealth accumulation. The firm provides insurance planning services alongside investment recommendations, creating integrated financial strategies that address both growth and protection needs.

Ideal clients and account minimums

Bajaj Capital serves middle-class to affluent Indian families looking for traditional advisory relationships with established firms. Your investment minimums vary based on the specific products you choose, with mutual fund investments starting at standard SIP amounts. The firm caters to investors who value in-person meetings and prefer working with advisors who understand their family's complete financial picture.

Fees, commissions and service experience

Understanding Bajaj Capital's commission-based model becomes critical before you engage their services. Advisors typically earn through product commissions rather than direct advisory fees, which can create potential conflicts of interest when selecting investments. You should carefully review whether recommendations prioritize regular-plan mutual funds over direct plans, as this choice significantly impacts your long-term returns through higher expense ratios.

"Traditional distributor models may recommend products that generate higher commissions rather than those best suited to your specific financial goals."

3. FinEdge

FinEdge positions itself as a goal-oriented wealth management firm that helps you structure your financial life around specific objectives rather than just selling products. The company operates with a fee-only advisory model, distinguishing itself from commission-based distributors by charging for advice rather than earning kickbacks from fund houses. Your financial journey with FinEdge centers on defining clear goals like retirement planning, home purchase, or children's education, then building investment strategies specifically designed to achieve those targets.

Goal based planning approach

You work with dedicated advisors who map your current financial situation against your future aspirations during the planning process. FinEdge creates customized investment roadmaps that specify exactly how much you need to save monthly and which asset allocation suits your timeline for each goal. The firm schedules regular review meetings to monitor your progress and adjust strategies when your circumstances or market conditions change significantly.

Direct mutual funds and product universe

FinEdge recommends direct mutual fund plans exclusively, eliminating the ongoing commission drain that reduces your returns over time. Your portfolio gets constructed from carefully vetted funds across equity, debt, and hybrid categories based on performance history and fund manager track records. The firm maintains research partnerships that provide deep analysis of fund options, though your choices remain limited to mutual funds rather than stocks, bonds, or alternative investments.

"Fee-only advisors who exclusively recommend direct plans save you substantial costs compared to commission-based models that erode returns through higher expense ratios."

Investor profile and onboarding process

FinEdge targets salaried professionals and small business owners with investable assets typically starting around ₹10-15 lakhs. Your onboarding includes completing risk profiling questionnaires and financial health assessments before advisors present initial recommendations. The process emphasizes educational sessions that help you understand investment principles rather than just executing transactions.

Fees, transparency and potential trade offs

You pay annual advisory fees calculated as a percentage of assets under management or flat retainer amounts depending on your portfolio size. FinEdge publishes its fee structure clearly, though costs may feel higher initially compared to seemingly "free" commission-based services. Your trade-off involves limited product diversity since the firm focuses primarily on mutual funds rather than offering comprehensive wealth management including real estate, PMS, or structured products.

4. Edelweiss Wealth Management

Edelweiss Wealth Management operates as a full-service wealth advisory platform that combines investment management, financial planning, and research capabilities under one roof. The firm ranks among the best financial planning firms in India through its integrated approach that addresses multiple dimensions of your financial life, from portfolio construction to tax planning and estate structuring. Your relationship with Edelweiss connects you to their institutional research infrastructure and access to diverse investment products beyond standard mutual funds.

Advisory and wealth management capabilities

You gain access to dedicated relationship managers who coordinate your complete wealth management needs through Edelweiss's platform. The firm provides portfolio management services, customized investment strategies, and alternative investment options including structured products and portfolio management schemes. Edelweiss leverages its brokerage and capital markets expertise to offer direct equity investing alongside traditional mutual fund allocations, giving you broader diversification opportunities.

Planning services for salaried professionals

Salaried professionals working with Edelweiss receive holistic financial planning that covers retirement projections, insurance needs analysis, and goal-based investment strategies. Your advisor helps you optimize tax efficiency through Section 80C investments, NPS contributions, and strategic asset location across account types. The firm assists with loan structuring and real estate financing decisions, recognizing that housing often represents your largest financial commitment.

Digital platforms and research support

Edelweiss provides mobile apps and web platforms that let you monitor portfolios, execute trades, and access research reports on demand. You receive regular market commentary and investment recommendations from their in-house research teams covering equity markets, fixed income, and macroeconomic trends. The digital tools integrate with their advisory services so your relationship manager can review your portfolio alongside you during meetings.

"Institutional-grade research and broader product access distinguish full-service wealth managers from firms limited to mutual fund distribution alone."

Costs, minimums and things to watch for

Your costs at Edelweiss depend on which services you use, with brokerage charges for trading, advisory fees for managed accounts, and potential product commissions creating a complex fee structure. Minimum investment requirements typically start around ₹25-50 lakhs for personalized wealth management services, positioning the firm toward affluent clients. You should clarify whether recommendations include regular mutual funds that generate distributor commissions versus direct plans that save you ongoing costs.

5. Motilal Oswal Financial Services

Motilal Oswal Financial Services combines stock broking with wealth advisory services, giving you access to both direct equity markets and structured financial planning under one platform. The firm ranks among the best financial planning firms in India through its research-driven investment approach and technology infrastructure built over three decades in capital markets. Your engagement with Motilal Oswal connects you to their equity research team's insights alongside personalized portfolio management and goal-based planning services.

Integrated broking and advisory model

You benefit from Motilal Oswal's dual capability in trading and advisory, allowing seamless execution of both self-directed equity investments and advisor-recommended allocations. The firm's broking platform supports stocks, derivatives, commodities, and currencies alongside mutual funds and fixed-income products. Your relationship manager coordinates between trading needs and long-term wealth planning objectives, though you should clarify whether advice remains unbiased when the firm earns brokerage from transactions they recommend.

Portfolio and financial planning solutions

Motilal Oswal delivers comprehensive financial planning covering retirement, education funding, and estate structuring tailored to your specific circumstances. You receive portfolio management services through their PMS offerings designed for investors with larger asset bases seeking active equity management. The firm constructs model portfolios across risk profiles, incorporating both equity and debt allocations based on your goals timeline and risk tolerance.

Technology, research and tools for investors

Your access includes mobile trading apps, web-based platforms, and portfolio analytics tools that provide real-time portfolio tracking and performance measurement. Motilal Oswal publishes equity research reports, sector analyses, and investment recommendations generated by their institutional research division. The technology infrastructure supports automated triggers for rebalancing and tax-loss harvesting opportunities.

"Firms combining broking with advisory services may face conflicts when transaction commissions influence investment recommendations you receive."

Pricing structure and suitability for you

You pay brokerage charges for trades, advisory fees for managed portfolios, and potential distribution commissions depending on which services you use. Motilal Oswal suits active investors who want research-backed equity exposure alongside professional advisory support, particularly those comfortable with markets and seeking growth-oriented strategies.

6. HDFC Securities

HDFC Securities leverages the extensive banking network of HDFC Bank to deliver investment and advisory services across India, giving you access to financial planning through both digital platforms and physical branches. The firm combines the trust and reach of a major banking institution with brokerage and wealth management capabilities. Your relationship with HDFC Securities often begins through existing banking relationships, making it convenient if you already maintain accounts with HDFC Bank.

Bank backed investment and advisory platform

You access HDFC Securities through its integration with India's largest private sector bank, providing seamless fund transfers and consolidated financial management. The platform offers demat accounts, trading facilities, and investment advisory services that connect to your existing HDFC Bank accounts. This banking relationship gives you easier loan processing and preferential rates when your investments serve as collateral, though you should evaluate whether convenience outweighs potential product bias.

Types of financial planning services offered

HDFC Securities provides goal-based financial planning, retirement projections, and investment portfolio construction tailored to salaried professionals and business owners. You receive mutual fund recommendations, insurance planning, and fixed-income product options through their advisory team. The firm assists with tax-saving investments and systematic investment planning that aligns contributions with your monthly cash flows.

Online access, branches and relationship managers

Your investment management happens through mobile apps, web platforms, and in-person branch meetings depending on your preference. HDFC Securities assigns dedicated relationship managers to larger accounts, while smaller investors primarily use digital channels for execution and support. The branch network provides face-to-face consultations when you need detailed planning discussions or assistance with complex transactions.

Charges, product bias and how to evaluate value

You pay brokerage fees for trades, annual demat charges, and potential advisory fees based on your service level and transaction volumes. HDFC Securities may recommend regular mutual funds generating distribution commissions rather than direct plans, reducing your long-term returns through higher expense ratios. You should specifically ask whether recommendations prioritize direct plans and clarify all fee structures before committing to advisory services.

"Bank-affiliated platforms may emphasize proprietary products or those generating higher commissions, making independent evaluation of recommendations essential."

7. IIFL Wealth Management

IIFL Wealth Management targets affluent investors and high-net-worth individuals seeking sophisticated financial planning beyond basic mutual fund distribution. The firm positions itself among the best financial planning firms in India through its focus on comprehensive wealth solutions including alternative investments, estate structuring, and tax optimization strategies. Your engagement with IIFL typically requires substantial investable assets, as the firm designs services for clients with complex financial situations requiring specialized expertise.

Focus on affluent and high net worth clients

You need minimum portfolios starting around ₹1-2 crores to access IIFL's personalized wealth management services, positioning the firm toward established professionals and business owners. IIFL assigns dedicated relationship managers and planning teams who coordinate your complete financial picture including investments, estate planning, and succession strategies. The client profile emphasizes individuals requiring sophisticated solutions beyond standard retail advisory offerings.

Comprehensive planning, estate and tax services

Your planning engagement covers estate structuring, will preparation, and trust formation alongside investment management and retirement projections. IIFL provides tax optimization strategies across income sources, helping you minimize liabilities through proper asset location and investment selection. The firm coordinates with legal and tax professionals when your situation demands specialized expertise beyond their internal capabilities.

Investment approach and product selection

IIFL constructs portfolios using direct equities, mutual funds, portfolio management services, and alternative investments including structured products and private equity opportunities. Your asset allocation incorporates institutional-quality research and risk management frameworks designed for larger portfolios requiring diversification beyond retail products. The firm maintains relationships with international investment managers for clients seeking global exposure.

"Wealth managers serving high-net-worth clients should demonstrate clear value through sophisticated strategies unavailable through standard retail platforms."

Fees, minimum ticket sizes and key questions

You pay asset-based advisory fees typically ranging 0.5-1.5 percent annually depending on portfolio size and service complexity. Ask whether IIFL recommends direct mutual funds or regular plans, as commission structures can create conflicts even at higher service tiers. Clarify all charges including custody fees, transaction costs, and whether alternative investments carry additional performance fees beyond advisory charges.

8. SBI Wealth

SBI Wealth operates as the wealth management arm of State Bank of India, leveraging the trust and infrastructure of India's largest public sector bank to deliver financial planning services. The platform serves existing SBI account holders who prefer consolidated banking and investment relationships under one institution. Your access to SBI Wealth typically flows from your banking relationship, making it convenient if you already maintain salary accounts, loans, or deposits with SBI.

Where SBI Wealth fits in the SBI ecosystem

You connect with SBI Wealth through branch referrals or dedicated wealth management centers located in major cities across India. The service integrates with your existing SBI banking products, allowing seamless fund transfers and consolidated statements. SBI's massive branch network provides physical accessibility, though wealth management services concentrate in urban centers serving affluent customers.

Planning and portfolio services offered

SBI Wealth delivers retirement planning, goal-based investing, and portfolio construction services aligned with standard wealth management practices. You receive mutual fund recommendations, insurance planning, and fixed-income product suggestions through their advisory team. The firm assists with tax-saving investments and systematic planning that matches your financial capacity and objectives.

Who should consider SBI Wealth

SBI Wealth suits loyal SBI customers seeking convenience through unified banking and investment management. You benefit most if you value the security of a public sector institution and prefer working with advisors who understand your complete banking relationship. The platform works well for conservative investors comfortable with bank-affiliated financial services.

Costs, product selection and potential conflicts

You pay advisory fees and transaction charges that vary based on your service tier and investment volumes. SBI Wealth may recommend proprietary mutual funds or regular plans generating commissions, potentially creating conflicts between your interests and revenue generation. Ask specifically whether recommendations prioritize direct mutual fund plans and clarify whether the bank's own products receive preferential treatment in portfolio construction.

"Public sector bank wealth platforms may emphasize proprietary products or those generating higher distributor commissions rather than optimal direct plan alternatives."

Final thoughts

Choosing among the best financial planning firms in India requires you to evaluate advisory models, fee structures, and service capabilities against your specific financial situation and goals. Traditional commission-based distributors may offer convenience but often prioritize products generating higher payouts rather than optimizing your returns. Fee-only registered investment advisors eliminate these conflicts by charging for advice directly, aligning their success with yours through transparent pricing and fiduciary responsibility.

Your decision should balance technology capabilities with human expertise availability. AI-powered platforms provide continuous portfolio monitoring and real-time recommendations, while human advisors handle complex situations requiring judgment and personalized strategy. Verify SEBI registration status, understand complete fee disclosures, and confirm whether the firm recommends direct mutual fund plans that save you ongoing commission costs.

Ready to experience conflict-free financial planning powered by AI and backed by SEBI-registered expertise? Start your wealth journey with Invsify and discover how transparent advisory services help you build wealth faster without hidden fees eroding your returns.