Free for most.
Premium for some.
The AI is the same on both plans. Premium adds a dedicated SEBI-registered advisor, and fee-only direct mutual funds. The full breakdown — including how we earn — is below.
FOREVER
Free
Free, always
AI-led guidance on every account. You build your financial plan.
- AI watches every account, every day
- Daily insights on risk, opportunities, and goals
- You build the plan; the AI does the math
- Curated mutual fund recommendations based on goals
- One-tap action approvals
- Intro advisor session + a few reviews each year
- Investing via regular mutual funds
PREMIUM
3,000 / month
30,000 / year — saves 6,000
A SEBI-registered advisor builds your plan and validates every call.
- Everything in Free
- A dedicated SEBI-registered advisor
- A comprehensive financial plan, built with you
- Advice across mutual funds, equities, ETFs, debt
- Insurance, tax-aware investing, surplus decisions
- Monthly review: AI insights + advisor analysis
- Hands-on onboarding and portfolio migration
- Investing via direct mutual funds (no commissions)
Our economics need you to stay.
So we have to be worth that.
Why is Free free?
Mutual fund houses pay us a small commission when you invest in regular plans through Sigfyn. The amount is regulated — smaller on debt and liquid funds, larger on equity. None of it comes from you.
On Premium, you pay us 3,000 a month and we take nothing from the fund houses. That's what fee-only means — we have no reason to push one fund over another.
What we earn in a year is small either way. The model only works if you stay for years — which only happens if we keep being worth staying for.
Not “we win when you win.” More honest — we win when you stick around.
Questions, answered.
Because Free is genuinely free to the client. The commission comes from the AMCs whose mutual funds you hold, not from you — capped by SEBI and varying by fund category. It funds the AI, the secure infrastructure that connects your accounts, and the advisor sessions. If you'd rather pay a fee and skip the commission, that's what Premium is for.
Free is delivered through Sigfyn Financial Service Pvt Ltd, our mutual fund distribution entity (AMFI-registered). Premium is delivered through Sigfyn Investment Advisors Pvt Ltd, our SEBI-registered investment adviser. The AI is the same on both. What each entity is licensed to advise on is what differs — distributors can give incidental advice on mutual fund choices; investment advisers can build a comprehensive financial plan across asset classes.
Switch any time, in either direction. From Free to Premium: upgrade in the app, or after talking to an advisor. From Premium back to Free: cancel any time; you keep all the historical insights. There's no contract.
It depends on your situation. 30,000 a year is roughly 0.6% of a 50L portfolio, 0.3% of a 1Cr portfolio. The avoided commission on direct funds varies by fund category — modest on debt and liquid, higher on equity. For an equity-weighted portfolio, the commission saved can largely offset the Premium fee; for a debt-heavy portfolio, less so. Whether the advisor relationship and ongoing reviews justify the rest is your call.
You can delete your account any time. When you do, we wipe everything — except the records regulators require us to keep, like transaction history, advice records, and regulatory filings under SEBI and RBI rules. We also stop accessing your linked accounts the moment you withdraw consent.
Yes — Sigfyn is built around families. You can add a family member's accounts to the same Sigfyn account, and the AI will analyse the family's combined picture. Each adult logs in separately to approve their own transactions (a SEBI requirement), but the goals, projections, and insights are shared across the family.
See what a financial advisor actually does for you.
Free, with no contract. · Five minutes to connect. · Reversible at any step.