{"id":7095,"date":"2026-02-05T18:22:55","date_gmt":"2026-02-05T12:52:55","guid":{"rendered":"https:\/\/1finance.co.in\/1f-dashboard\/?post_type=blog&p=7095"},"modified":"2026-03-07T16:13:11","modified_gmt":"2026-03-07T10:43:11","slug":"sebi-ria-financial-planner-fees-charge","status":"publish","type":"blog","link":"https:\/\/1finance.co.in\/1f-dashboard\/blog\/sebi-ria-financial-planner-fees-charge\/","title":{"rendered":"Paying for financial advice? Understand SEBI RIA fee model"},"content":{"rendered":"\n

A SEBI-registered investment adviser (RIA) is a financial professional licensed by SEBI to help you plan and manage your investments the right way. Their role is to understand your goals, risk profile, and overall situation, and then guide you so your money decisions actually support the life you want. <\/p>\n\n\n\n

In exchange, they charge you a transparent, pre-agreed fee instead of earning commissions on product sales.<\/p>\n\n\n\n

Under SEBI regulations, RIAs can charge you either a fixed rupee fee or a fee linked to the assets they advise on, within prescribed caps and conditions. <\/p>\n\n\n\n

In practice, this means two families with very different portfolios or levels of complexity may pay very different fees, even with the same adviser. Some prefer a simple flat or retainer-style fee, while others are comfortable with a percentage-of-assets model that goes up or down with their portfolio size.<\/p>\n\n\n\n

This article breaks down the main ways an RIA can legally charge you under SEBI rules, what those models look like in real life, and how to decide which structure makes the most sense for your situation.<\/p>\n\n\n\n

How can SEBI RIA charge?<\/h2>\n\n\n\n

As per SEBI there are only two ways SEBI RIAs can charge you. <\/p>\n\n\n\n

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  1. Fixed Fee Model:<\/strong><\/li>\n<\/ol>\n\n\n\n

    In the fixed fee model, you pay a set amount every month, quarter, or year. No matter how much your money grows or falls, the fee stays the same. SEBI allows RIAs to charge up to \u20b91.51 lakh per year per family. This fee does not change based on how much money you have invested<\/a>. <\/p>\n\n\n\n

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    1. AUA (Percentage) Model:<\/strong><\/li>\n<\/ol>\n\n\n\n

      The RIA charges a small percentage of your total investments. The fee can be typically between 0.5% to 1.5% per year. SEBI allows RIA to charge maximum up to 2.5% per year per family. For example, if you have \u20b950 lakh invested, the RIA can charge up to \u20b91.25 lakh per year (2.5% of \u20b950 lakh).\u200b<\/p>\n\n\n\n

      Pros <\/strong>and <\/strong>con<\/h2>\n\n\n\n

      Pros of fixed fee model<\/strong><\/p>\n\n\n\n