How Riafin Works
Overview
Riafin is India's premier wealth management matching platform that connects investors with qualified SEBI-registered financial advisors. Our intelligent AI-powered matching algorithm ensures you find the right advisor for your unique financial situation and goals.
What is Riafin?
Riafin is India's leading financial advisory marketplace designed to simplify how Indian investors find and connect with SEBI-registered fiduciary financial advisors. We use advanced AI-powered matching algorithms and comprehensive 6-point vetting processes to ensure you get connected with qualified professionals who understand your financial goals.
How the Process Works
Key Features
AI-Powered Intelligent Matching
Our proprietary algorithm considers multiple factors when matching you with advisors, including:
- Investment style and philosophy
- Years of experience
- Specializations and certifications (SEBI RIA, FPSB CFP, CFA, CA)
- Geographic location (across 25+ Indian cities)
- Minimum asset requirements
- Client demographics
- Language preferences
- NRI status (if applicable)
Verified SEBI-Registered Advisors
Every advisor on our platform undergoes rigorous 6-point vetting:
- SEBI registration verification
- Credentials and education validation
- Experience verification
- Background checks
- Client communication assessment
- Fiduciary standard compliance
Who Can Use Riafin?
Riafin serves investors across various wealth levels in India:
| Investor Category | Investable Assets | Advisor Focus |
|---|---|---|
| Emerging | ₹5L - ₹25L | Entry-level financial planning, goal setting |
| Growing | ₹25L - ₹1Cr | Comprehensive financial planning, tax optimization |
| Established | ₹1Cr - ₹5Cr | Advanced investment strategies, portfolio management |
| High Net Worth | ₹5Cr+ | Sophisticated wealth management, estate planning |
Types of Advisors on Riafin
SEBI Registered Investment Advisers (RIA)
SEBI RIAs are legally bound to act in your best interest. They:
- Cannot receive commissions from product sales
- Must disclose all fees transparently
- Follow strict fiduciary standards
- Provide unbiased advice
FPSB Certified Financial Planners (CFP)
FPSB CFPs have demonstrated expertise in:
- Comprehensive financial planning
- Investment management
- Insurance planning
- Tax planning
- Retirement planning
Other Qualified Professionals
- CFA Charterholders: Investment analysis and portfolio management
- Chartered Accountants (CA): Tax planning and financial advisory
- Multi-certified advisors: Holding multiple designations
Benefits of Using Riafin
For Investors
- No Cost: Our matching service is completely free for investors
- Time-Saving: Skip the research and get matched instantly
- Qualified Matches: Only work with verified, SEBI-registered advisors
- No Pressure: Compare multiple advisors before deciding
- NRI Services: Specialized matching for Non-Resident Indians
- Local Options: Advisors across 25+ Indian cities
What Makes Us Different
Unlike traditional advisor directories, Riafin goes beyond simple filtering:
- Personalized AI Matching: We don't just show you a list - we curate 1-3 matches based on your unique profile
- Quality Over Quantity: We focus on finding you the right few advisors, not overwhelming you with hundreds of options
- Transparency: Clear information about fees, services, and advisor backgrounds
- Fiduciary Focus: Only SEBI-registered fiduciary advisors
- Educational Resources: Access guides, calculators, and articles on Indian financial topics
Indian Financial Context
Riafin advisors specialize in Indian financial products and regulations:
- Tax Planning: Section 80C, 80CCD deductions; Old vs. New tax regime optimization
- Retirement: NPS (National Pension System), EPF, PPF strategies
- Investments: Direct mutual funds, ELSS, tax-saving instruments
- Insurance: Term life, health insurance planning
- NRI Services: FEMA compliance, NRE/NRO accounts, repatriation
Getting Started
Ready to find your perfect advisor match? Follow these steps:
- Create your free account completing the 12-step investor questionnaire
- Review your matches (typically within 5-10 minutes)
- Book meetings with your matched advisors
Frequently Asked Questions
Is Riafin really free for investors? Yes! Investors never pay to use Riafin's matching service. We earn revenue from advisor subscription plans.
How long does it take to get matched? Most users receive their matches within 5-10 minutes of completing their profile.
Can I get matched with advisors outside my city? Yes! We offer flexible engagement models. You can select your preference — Location, Remote, or Overseas NRI — in our questionnaire.
What if I don't like my matches? You can browse our advisor directory to find professionals that better suit your needs. Our support team is also available to help.
Do I need a minimum investment amount? No. Riafin's matching service has no minimum investment requirement. However, individual advisors may have their own minimum asset or fee thresholds, which will be disclosed during your introductory conversations.