Dimension scores are derived from public data and fields; weighted into the composite. Reference only.
Fiduciaries.in is Avinash Luthria’s personal financial planning and investment advisory website. It is not a payment gateway, acquirer, wallet, or financial API platform. Its core positioning is as an India-based Hourly-Fee Financial Planner and SEBI Registered Investment Adviser, with registration number INA200011125. The site mainly offers financial planning, retirement planning, investment advice, and wealth management.
The website emphasizes a “Fee-Only” zero-commission model: it does not rely on distribution commissions from mutual funds or financial products, but instead charges clients by the hour. Its investment philosophy is very explicit: it recommends only passive index funds and opposes active mutual funds, PMS, long-short AIFs, and active-style products such as smart-beta/factor strategies. In terms of service process, the main text says it uses a customized process of around 5 hours, rather than a lighter two-hour “Robo++” process. Communication is mainly conducted via audio calls and email.
Pricing follows an Hourly-Fee model. The main text does not provide a complete price list, but the FAQ uses Rs 30,000/hour and a total of Rs 150,000 for 5 hours as an example for a highly experienced RIA, and states that its hourly fee is the highest among Hourly-Fee RIAs in India. On compliance, it clearly discloses its SEBI RIA status and registration number, and emphasizes fiduciary duty, reasonable care, zero commissions, and fee transparency. When paying service fees, the website warns users to first communicate through the designated email address, complete an introductory call of more than 30 minutes, sign an agreement, and then pay to the UPI handle prescribed by SEBI, in order to prevent impersonation fraud.
Its strengths are relatively clear compliance disclosures, a transparent fee model, fewer conflicts of interest, and Avinash Luthria’s background in private equity/venture capital as well as an MBA in Finance from IIM Bangalore. Its focus on retirement planning, long-term asset allocation, sequence-of-returns risk, and tax efficiency makes it suitable for clients who need in-depth planning. The limitations are also clear: it does not provide trade execution, payment acquiring, API integration, or product sales; pricing may be relatively high; and it explicitly prefers financially knowledgeable clients, so beginners may not be the best fit.
It is better suited to high-net-worth Indian families, upper-middle-class clients, and NRIs living in the United States, the United Kingdom, Singapore, or the Middle East who may eventually return to India for retirement. If a user is looking for a payment solution or cross-border collection tool, this website is not a match. The source text does not provide information on access from mainland China, so the status is unknown.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on fiduciaries.in official site.
fiduciaries.in is an India Finance provider. TG4G tracks its product information, an overall rating of 5.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach fiduciaries.in directly.