Clarity today. A brighter tomorrow.
Money is a means. Freedom is the Goal.
Comprehensive financial planning designed around the life you want to live.
Financial Freedom
Fund Their Dreams
Retire Confidently
Create a Legacy
Plan Across Borders
Different Journeys. One Destination.
“Their advice has given us clarity and peace of mind. We feel more confident about our future.”
“A structured approach that aligns with our goals. Highly recommended Advisory by Yadnya”
“Transparent, thoughtful and always in our best interest”
“They simplify complex decisions and make financial planning feel achievable.”
Testimonials are shared by clients with their consent and reflect individual experiences. They are not a guarantee, assurance or indication of future results or returns. Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Transparent, Fee-Only Advisory Plans
Choose the depth of engagement right for your financial scale.
Portfolio Analyzer
Ideal for DIY investors seeking rapid health checks on existing assets.
- Instant holdings & asset allocation scan
- Wealth growth & volatility trajectory
- Geography & market-cap exposure
- Sector concentration hazard alerts
Premium Plan
Structured goal planning for young professionals and early careerists.
- Input personal cash flows & goals in 10 min
- Algorithmic goal-to-SIP blueprint
- Recommended asset allocation mix
- Instant downloadable PDF action plan
- Automatic Goal Tracker to keep you updated
Sterling Plan
Tailored for established professionals, NRI families & growing households.
- Bespoke financial model for household cashflows
- Detailed asset allocation & tax harvesting
- Insurance adequacy & contingency setup
- Complete execution blueprint
- 1 Yr Chat support for any queries
Gold Plan
Bespoke engagement for HNIs, CXOs, multi-generational estates & business owners.
- Retirement corpus preservation & succession
- Moat stocks, tactical tilts & global assets
- Deepest level of custom portfolio modelling
- 1 Yr Chat support for any queries
Investing Without a Blueprint Isn't Building Wealth
Most investors don't suffer from a lack of investments. They suffer from investments that don't work together. These are some of the most common financial planning mistakes.
No Goal Mapping
Investments exist without clear, defined goal targets.
Cluttered, Not Diversified
Dozens of overlapping funds without actual risk spread.
Asset- Goal mismatch
Long-term assets forced into distress sales during emergencies, while volatile equity funds near-term goals.
Protection Gaps
A single medical emergency derailing years of compounding.
Zero Course-Correction
Static holdings left un-rebalanced through life and market shifts.
The InvestYadnya 6-Step Scientific Planning Framework
How our SEBI-registered planners build a resilient, inflation-beating plan for you?
Financial X-Ray
Comprehensive audit of cash flows, liquid assets, physical real estate, liabilities, EPF/PPF, and legacy insurance policies.
Risk Profiling
Rigorous evaluation balancing psychological risk willingness against real financial capacity and liability drawdowns.
SMART Goal Definition
Quantifying key life milestones: Early Retirement, Higher Child Education, Home Upgrades, and Estate Transfer.
Strategic Asset Allocation
Segmenting Equity, Fixed Income, Gold, and Liquid buckets strictly mapped to distinct goal timeframes.
Risk & Contingency Defense
Calculating exact pure-term life and health insurance deficits without commission-heavy investment-cum-insurance traps.
Process Driven Execution & Review
Implementation via our proprietary direct models, backed by scheduled annual rebalancing.
Meet Your Advisory Leadership
13+ Yrs Combined Experience
Real Stories, Measured Financial Clarity
See how our fiduciary audits unlock peace of mind for distinct investor profiles.
Cluttered portfolio of 42 mutual funds, uncoordinated ULIPs, and zero monthly cash flow predictability leading into active retirement.
Consolidated into 6 low-cost funds paired with an optimized debt laddering framework configured for systematic SWP cashflows.
Excessive concentration in US employer equity RSUs, acute foreign capital gain tax anxiety, and an unfunded overseas college dream.
Structured phased vesting divestment, planned Section 54F exemptions, and earmarked a designated USD index vehicle for child education.
Random speculative F&O losses, zero emergency cushion, and growing anxiety over saving an apartment down payment.
Adopted the ₹999 Robo Advisory plan to institute a 6-month liquid reserve and initiated goal-tagged automated monthly SIPs.
Resident-era folios never updated to NRI status, idle NRO deposits bleeding 30%+ TDS, and no repatriation roadmap for a planned return home.
Migrated holdings to NRE-linked folios, claimed the 12.5% India-UAE DTAA rate via TRC, and mapped a phased return around the RNOR window.
High combined surplus idling in savings accounts, overlapping employer covers, creeping lifestyle spends, and no defined early-retirement target.
Unified two portfolios under one household allocation, added term plus super top-up health cover, and automated a 40% savings-rate FIRE glide path.
Client details are anonymised and shown for illustrative purposes. Outcomes vary by individual circumstances, and past results are not indicative of future returns.
Frequently Asked Questions
Authoritative clarifications on SEBI regulations, fee models, and advisory execution.
What is included in this financial planning?
Your plan covers the full picture: a net-worth and cash-flow review, a risk profile, and inflation-adjusted targets for goals like retirement, education, home and legacy. It also includes a goal-wise asset allocation with a SIP roadmap in direct plans, tax-efficient investing, an insurance and emergency-fund review, retirement income planning through SWP and buckets.
What documents and data do I need to get started?
To deliver an accurate, mathematically sound roadmap, our onboarding checklist requires:
- Consolidated Account Statement (CAS): CAMS/KFintech or NSDL/CDSL statements covering your mutual funds, direct stocks, and demat holdings.
- Retirement & Debt Assets: Latest statements for EPF, PPF, NPS, corporate fixed deposits, and bond holdings.
- Insurance Portfolios: Schedules and premium receipts for all existing life, term, health, and ULIP policies.
- Liabilities & Cash Flows: Outstanding loan amortizations (home, personal, vehicle) and an estimated summary of monthly household income and operational expenses.
How often is my plan reviewed after the initial blueprint is delivered?
Financial planning is dynamic, not a one-time event. For our comprehensive advisory clients (Sterling & Gold tiers):
- Scheduled Formal Reviews: Conducted annually to audit portfolio drift, rebalance asset allocation bands, and evaluate fund manager performance against benchmarks.
- Milestone & Trigger Reviews: Conducted on demand whenever significant real-world changes occur—such as career transitions, salary increments, asset sales, inheritance, or tax law updates.
- Ongoing Execution Support: You receive ongoing access to our advisory chat support for tactical decisions (e.g., deploying sudden windfalls or evaluating fresh investments).
Does the plan cover emergencies like medical bills, job loss, or a career break?
Yes. Every plan sets an emergency reserve of 6–12 months of expenses and EMIs in liquid funds. We size your health cover as a base floater plus a super top-up, and add critical illness cover where needed. For a planned career break, we model a SIP pause and a separate living-cost pool in advance, so emergencies never eat into your
long-term goals.
What is the difference between a SEBI Registered Investment Advisor (RIA) and a Mutual Fund Distributor (MFD)?
A Mutual Fund Distributor (MFD) earns trail commissions embedded directly inside regular mutual fund schemes (typically 0.5% to 1.5% annually taken out of your corpus), which can create inherent conflicts of interest regarding product recommendations.
A SEBI Registered Investment Advisor (RIA) operates under a strict statutory fiduciary standard. RIAs do not accept commissions, brokerages, or kickbacks from any financial product manufacturers. We recommend solely low-cost Direct plans and institutional instruments, aligning our advice exclusively with your financial outcomes in exchange for a transparent, upfront advisory fee.
Is my personal and financial data kept secure and confidential?
Yes. We apply enterprise-grade security protocols to protect your confidential household data:
- End-to-End Encryption: All uploaded financial statements, net-worth disclosures, and identity documents are encrypted at rest (AES-256) and in transit (TLS 1.3).
- Strict Non-Disclosure: Your personal data is never monetized, sold, or shared with third-party loan brokers, insurance agents, or external marketing entities.
- Role-Based Internal Access: Only your designated SEBI RIA and direct advisory research team have access to your financial blueprint during active consultations
Take Control of Your Financial Future Today.
Book an exploratory consultation with an advisor or start with an instant diagnostic. No pressure, zero product pitch.
SEBI RIA Regn: INA000017897
Investments in securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Regulatory Information
Our SEBI registration, how to raise a complaint, and the disclosures we make as an Investment Adviser.
SEBI Registration
- Registered name
- Yadnya Academy Pvt. Ltd.
- Registration no.
- INA000017897
- Type of registration
- Non individual
- Validity
- April 2023 - Perpetual
- BSE membership no.
- 1987
Complaint Redressal
Client's queries / complaints may arise due to lack of understanding or a deficiency of service experienced by clients. Deficiency of service may include lack of explanation, clarifications, understanding which escalates into shortfalls in the expected delivery standards, either due to inadequacy of facilities available or through the attitude of staff towards client.
Clients can seek clarification to their query and are further entitled to make a complaint in writing, orally or telephonically.
- Email the Client Servicing Team at contact@investyadnya.in or call +91 9730601468.
- If you do not receive a response within 10 business days, write to the Investment Adviser at ashish@investyadnya.in. You can expect a reply within 10 business days.
- If you are not satisfied with our response, you can lodge your grievance with SEBI at scores.sebi.gov.in or write to any of the offices of SEBI. SCORES is also available as a mobile app.
Principal Officer: Gaurav Jain, contact@investyadnya.in, +91 9730601468
Disclosures
- We are a SEBI Registered Investment Adviser having registration number - INA000017897.
- We are not affiliated with any other intermediaries, nor do receive any brokerage or commission from any third party.
- No penalties/directions have been issued by the SEBI under the SEBI Act or any other regulatory body.
- We do not recommend any stock broker or other intermediary to a client. Nor do we receive any consideration by way of remuneration or compensation or in any other form whatsoever from stock broker or other intermediary.
- If client wants opinion in the specific positions made by him only, we will be able to suggest appropriate view on the securities. Such suggestion/view under any circumstances shall be considered as an opinion (not advice) from our side and we advise client to consider our opinion and not consultancy to make his/her final decision. We are not liable for any losses whatsoever client may incur in accepting this opinion.
- We do not have any short term positions in the financial products or securities which are the subject matter of advice.
- We do not have any association in any manner with any issuer of products/ securities, this ensures that there are no actual or potential conflicts of interest. This also ensures that objectivity or independence in the carrying on of investment advisory services is not compromised.
- Investment in market is subject to market risk, though best attempts are made for predicting markets, but no surety of return or accuracy of any kind is guaranteed.
- Client is always advised to read, understand, and agree of terms & conditions.
- We do not guarantee any profit/return.
- We do not provide any profit /loss sharing services, guaranteed profit services, Demat services.
RIA Audit Status
| Sr. No | Financial Year | Compliance Audit Status | Remarks, if any |
|---|---|---|---|
| 1 | FY 2020-21 | Conducted | NIL |
| 2 | FY 2021-22 | Conducted | NIL |
| 3 | FY 2022-23 | Conducted | NIL |
| 4 | FY 2023-24 | Conducted | NIL |
| 5 | FY 2024-25 | Conducted | NIL |