The engagement
Clear steps. Written work. An agreed scope.
A free Discovery Call, then seven steps in order, matched to your service. The Comprehensive Plan covers the full journey. Clarity Consultation addresses one specific question. Portfolio Advice examines the portfolio you have and sets out what to hold. Each service has a defined finish.
The journey
Understand what happens and what you receive.
Step
Name
Duration
Promise
You receive
Step 0
Discovery Call
30 minutes, free
A free 30-minute conversation about your question, our process and the fee.
Process Map + Fee Schedule
Step 1
Onboarding, KYC & Fact-Finding
60–90 minutes + documents
Formalities completed and your financial facts established before anything is recommended.
Financial Health Check
Step 2
Risk Profiling
60 minutes
How much loss your finances can absorb, and how much you can live with.
Risk Profile Report
Step 3
Goal Mapping
60–90 minutes
Every goal given a cost, a date and a monthly funding figure.
Goal Map
Step 4
Portfolio Audit
Delivered in writing
What you already own, examined in writing before anything new is suggested.
Portfolio Audit Report
Step 5
Portfolio Blueprint
90 minutes
What to fix first, what to hold and why, set out in writing.
Portfolio Blueprint
Step 6
Implementation
2–6 weeks
You act on the plan in your own accounts, with our guidance.
Implementation Checklist
Step 7
Review
Through the year
The plan revisited through the year, and whenever your circumstances change.
Quarterly Check-in · Annual Review Report · Event Review
Durations shown are for the Comprehensive Plan. The work is narrower for Clarity Consultation and Portfolio Advice.
Sequence. Steps proceed in order. Your service may leave steps out. No advice is given before your Risk Profile Report is signed.
Step 1 · Financial Health Check. It measures three Foundations first — Emergency Fund · Term Cover · Health Cover — each as in place or a gap. It then reads five vitals: Cash flow · Debt · Net worth · Goal funding · Portfolio. This is an assessment of the facts; it contains no recommendations. Portfolio Advice replaces Goal funding with Investment Objective & Horizon. Clarity Consultation uses a targeted fact-find and does not issue a Financial Health Check.
Steps 4 and 5. You receive the Portfolio Audit Report first and can correct the facts before the Portfolio Blueprint meeting. The report contains findings. Recommendations and the Action Plan are prepared for the Portfolio Blueprint, discussed in the meeting and issued afterwards with any agreed changes.
Services
Three ways to work together.
Choose the scope that fits the decision you need to make. Every service begins with a free Discovery Call.
Clarity Consultation
From ₹6,000
One specific financial question, examined and answered in a written Clarity Note.
- Free Discovery Call.
- Light onboarding, KYC and fact-finding relevant to your question.
- Light Risk Profiling, with a signed Risk Profile Report before advice.
- A session and a written Clarity Note; a one-time engagement.
Step 0 · Discovery Call → Step 1 · Onboarding, KYC & Fact-Finding (light) → Step 2 · Risk Profiling (light) → Step 5 · Portfolio Blueprint (issued as a Clarity Note).
Portfolio Advice
From ₹15,000
Your existing portfolio examined, with written recommendations on allocation and what to hold.
- Free Discovery Call, portfolio-focused onboarding and Risk Profiling.
- Portfolio Audit Report, including Horizon & Liquidity Fit.
- Portfolio Blueprint with an Allocation Map, investment options, named instruments and an Action Plan.
- A one-time engagement ending with the Portfolio Blueprint; no implementation support or reviews.
Step 0 · Discovery Call → Step 1 · Onboarding, KYC & Fact-Finding → Step 2 · Risk Profiling → Step 4 · Portfolio Audit → Step 5 · Portfolio Blueprint.
Investment Objective & Horizon records what the money is for and when you might need it. Named instruments may include stocks, mutual funds and ETFs. Goal Mapping is outside this service. The Financial Health Check records wider household facts for context; household cash-flow, debt and insurance planning are outside scope.
Comprehensive Plan
From ₹24,000
Your whole household, from financial facts to implementation, with a year of reviews.
- Free Discovery Call and all seven steps that follow.
- Full household assessment, Risk Profiling, Goal Mapping and Portfolio Audit.
- Portfolio Blueprint and implementation support, with you carrying out the transactions.
- A year of Quarterly Check-ins, an Annual Review Report and Event Reviews when needed.
Step 0 · Discovery Call, followed by Steps 1–7 in the journey above.
Complexity determines the fee. Portfolio size does not. Fees are indicative, exclusive of applicable taxes and subject to prevailing regulatory limits. The scope and fee are set out in writing before you choose to proceed.
Clear boundaries
What this practice will not do.
01
Stock tips and trading calls
No short-term tips or trading calls. Named instruments are recommended only within the agreed scope and assessed suitability.
02
Return promises
No return is promised, guaranteed, targeted or implied.
03
Handling your money
You retain custody and execute in your own accounts. Samvaya never handles your money.
04
Receiving commissions
No payments from an AMC, insurer, platform or referral arrangement.
05
Advising on withheld facts
Work pauses when material facts are withheld.
06
Tax filing and legal drafting
These services require the appropriate qualified professionals and are outside this engagement.
Begin
Know the process before you commit.
Book a free 30-minute Discovery Call. Discuss your question, understand the scope and receive the Process Map + Fee Schedule. You decide whether to proceed.