Frequently Asked Questions
Everything you need to know about how Aranidhi works, charges, and keeps your wealth safe.
Fees & Pricing
How is the performance fee calculated?
The fee is a percentage of the actual returns (profits) earned on your portfolio during a defined period. If your portfolio does not generate positive returns, no fee is charged.
Are there any flat or hidden fees?
No. There are absolutely no flat subscription fees, setup charges, or hidden costs. You only pay a percentage when you generate positive returns.
Is the performance fee SEBI compliant?
Yes. Our fee structure follows SEBI's guidelines for registered investment advisors and portfolio managers. All fee deductions are fully auditable and disclosed in your dashboard.
Can I exit or pause my plan?
Yes. You can exit at any time. No lock-in periods. Final performance fee (if applicable) is settled at exit based on the portfolio's actual returns for that period.
What is the difference between the Growth and Elite plans?
The Growth plan (10% performance fee) is for HNIs with ₹5 Cr+ liquid or ₹10 Cr+ total net worth and covers unified wealth tracking, goal planning, tax reports, and a dedicated wealth advisor. The Elite plan (8% fee) is for Ultra-HNIs and adds advanced risk analytics, PMS & AIF integration, quarterly strategy reviews, a priority relationship manager, and estate & succession planning.
How does the Institutional plan work?
The Institutional plan is fully bespoke — fee percentage and scope are negotiated based on corpus size and complexity. It includes everything in Elite plus a Family Office Dashboard, multi-entity & multi-member management, private credit & alternatives, white-glove onboarding, and 24×7 dedicated support.
Where can I see my fee deductions?
Every fee deduction is visible in your Aranidhi dashboard in real time — fully auditable, timestamped, and SEBI-compliant. You will never encounter a charge you can't trace.
Eligibility & Onboarding
What is the minimum eligibility to join Aranidhi?
Aranidhi is designed for serious wealth management. The minimum eligibility is ₹10 Crore total net worth (all assets combined) or ₹5 Crore in digital & liquid portfolio. Tiered plans are available based on your profile.
What is Aranidhi and who is it for?
Aranidhi is an AI-enabled financial intelligence and wealth management platform built for the Indian ecosystem. It's designed for individuals, families, HNIs, financial advisors (CAs, PMS managers), and enterprises who want a unified, AI-driven view of their complete financial picture.
Can financial advisors and CAs use Aranidhi?
Absolutely. Aranidhi has a dedicated Advisor/CA ecosystem with multi-client dashboards, AI-generated recommendations, controlled override capabilities, secure document collaboration, and granular role-based access. Advisors can manage hundreds of clients from a single platform.
How long does the onboarding process take?
Onboarding typically completes in one session. You grant consent via the Account Aggregator (AA) framework and your data from banks, brokers, mutual funds, NSDL/CDSL, and GST systems flows in automatically — no manual uploads required. Your wealth intelligence dashboard goes live as data populates.
Can I add family members to my Aranidhi account?
Yes. Aranidhi supports multi-member access with role-based delegation. You can manage individual accounts, a family HUF, and business entities under one roof with fine-grained access control — each member sees only what they are permitted to.
Can a family office onboard on Aranidhi?
Yes. The Institutional plan is purpose-built for family offices. It supports multi-entity structures, multiple members with delegated roles, private credit & alternatives, estate & succession planning, and 24×7 dedicated support with white-glove onboarding.
AI Intelligence & Growth Engines
What are the 10 AI Growth Engines?
Aranidhi runs 10 specialist AI engines continuously: Profile Analysis (financial DNA), Income & Assets, Spending Analysis, Tax Optimisation, Risk Management, Cashflow Management, Budgeting & Planning, Investment Management, Integrity & Compliance, and Net Worth & Assets. Each runs independently and in coordination — every day.
How often does Aranidhi generate intelligence signals?
Every single day. The AI pipeline runs daily and generates Risk Alerts (proactive warnings before losses happen), Optimisation Insights (tax saving, savings opportunities), Growth Opportunities (intelligent rebalancing), and Loss Prevention signals. These are not notifications — they are action triggers validated and executed by your assigned CA team.
Is Aranidhi purely AI or does a human expert also review my portfolio?
Both. Aranidhi uses a Human + AI hybrid model. AI generates signals every day; a dedicated expert team — comprising Chartered Accountants, Financial Advisors, Fund Managers, and Tax Specialists — validates, customises, and executes every insight. You get AI speed with human accountability.
How does the 3-stage AI pipeline work?
Stage 1 — Connect & Ingest: AA consent pulls data from 20+ sources (banks, brokers, GSTN, UPI) — zero manual upload. Stage 2 — Process & Classify: NLP + AI classifies every transaction and auto-links assets & liabilities. Stage 3 — Insights & Act: Live net worth, tax reports, AI forecasts, and advisor workflows are delivered daily.
Does the AI only track my investments, or does it cover my entire financial life?
Aranidhi analyses your entire financial ecosystem — income, spending, assets, liabilities, taxes, goals, and cashflow — all in one 360° view. Unlike apps that show only portfolios, Aranidhi's 20 modules work in sync so no dimension of your financial life is missed.
Platform, Data & Security
How does Aranidhi connect to my financial accounts?
Aranidhi uses India's Account Aggregator (AA) framework — you consent once and your data flows securely from banks, brokers, mutual funds, NSDL/CDSL, and GST systems automatically. You can revoke access at any time. No manual uploading required.
Is my financial data safe on Aranidhi?
Yes. Every client gets a dedicated encrypted data vault. We use zero-trust architecture, immutable audit logs, PAN/Aadhaar masking, and full DPDP compliance. Your data is yours — you can export or delete at any time. Fully aligned with RBI, SEBI, IRDAI and DPDP regulations.
What makes Aranidhi different from other financial apps?
Most apps track — Aranidhi understands. With 20 intelligent modules covering identity, ingestion, income, wealth, debt, tax, AI, advisory, and a financial marketplace, Aranidhi is a full-stack financial operating system. The HNI marketplace and deal-matching capabilities are unique differentiators not found anywhere else in India.
Can I revoke data access at any time?
Yes. Data consent is fully in your control. You can revoke Account Aggregator access, delete your data vault, or export your complete data at any time — all from within the platform. Aranidhi never shares or sells your financial data.
What is the Financial Identity Graph?
The Financial Identity Graph is Aranidhi's core data model that maps every user, entity, role, and delegation relationship. It lets you model complex structures — individual + HUF + business — under one account, with granular role-based access so each stakeholder sees only what they should.
Is Aranidhi available on mobile?
Yes. Aranidhi is available on Web, iOS, and Android so you can access your wealth intelligence from anywhere. The mobile experience provides real-time dashboards, alerts, and advisor communication on the go.
Asset Classes & Coverage
What assets are tracked and managed?
Aranidhi supports Mutual Funds, Stocks, Bonds, FDs, PMS, AIFs, Gold, Real Estate, and Private Credit — all in one unified, real-time dashboard.
Which asset classes does Aranidhi support?
Aranidhi covers equity, mutual funds, ETFs, bonds, real estate (with ROI), gold, vehicles, collectibles, intellectual property & royalties, and crypto/global assets — all in one unified portfolio view.
Does Aranidhi track real estate and physical assets?
Yes. Real estate is tracked with ROI computation, rental yield, and capital appreciation. Physical assets like gold, vehicles, and collectibles can also be added — giving you a true 360° net worth that goes beyond just your financial accounts.
Can I track PMS and AIF investments?
Yes. Portfolio Management Services (PMS) and Alternative Investment Funds (AIFs) are fully supported and available in the Elite and Institutional plans. Aranidhi consolidates PMS/AIF returns with your other investments for a unified XIRR and performance view.
Does Aranidhi track liabilities and loans too?
Yes. Aranidhi tracks all liabilities — home loans, personal loans, business loans, credit cards, and EMIs — alongside assets. The cashflow management engine flags excess EMI burden, optimises repayment sequencing, and ensures your net worth view is always accurate.
Tax, Reports & Compliance
Does Aranidhi auto-fetch AIS, 26AS, and GST data?
Yes. AIS, 26AS, and GSTN data are auto-fetched and reconciled through the Account Aggregator and government integrations. There is no manual download or upload required — your tax picture is always current and accurate.
Can Aranidhi help with capital gains computation?
Yes. Capital gains are auto-computed across all asset classes — equity, mutual funds, real estate, gold, and more. The platform handles short-term vs. long-term classification, indexation where applicable, and produces tax-ready reports.
How does the tax optimisation engine work?
The Tax Optimisation AI engine scans your income, deductions, investments, and liabilities daily to identify missed exemptions, unutilised deductions (80C, 80D, HRA, etc.), tax-loss harvesting opportunities, and the optimal tax regime (old vs. new). Identified actions are reviewed and executed by your dedicated CA team.
What reports does Aranidhi generate?
Aranidhi generates: Net Worth Reports (live snapshot, trend, 5-year projection), Income & Cashflow Reports (monthly P&L, 90-day forecast), Portfolio Analytics (XIRR, P&L, benchmark comparison), AI Insight Reports (alerts, rebalancing, tax-loss harvesting), and Role Dashboards (client, advisor, super-admin views).
Which regulatory frameworks does Aranidhi comply with?
Aranidhi is 100% compliant with RBI (banking data), SEBI (investment advisory & fee disclosures), IRDAI (insurance data), and India's Digital Personal Data Protection (DPDP) Act. Platform governance includes observability, data quality monitoring, and risk alert systems.
For Financial Advisors & CAs
Can a CA manage multiple clients on Aranidhi?
Yes. The advisor dashboard is built for scale — CAs and advisors can manage hundreds of clients from a single login. Each client's financial health is visible in a dedicated view with role-based permissions, so your team can collaborate securely without data cross-contamination.
Can advisors add their own recommendations or override AI suggestions?
Yes. Advisors have a controlled override capability — they can accept, modify, or reject AI-generated recommendations for any client. All overrides are logged in the audit trail, ensuring accountability and SEBI compliance.
What advisor productivity tools does Aranidhi offer?
Advisors get cohort analytics (segment clients by risk, asset class, goal stage), advisor productivity dashboards, HNI prospect identification, secure document collaboration, and outcome tracking — giving advisory firms a data-driven edge across their entire client network.
Does Aranidhi have a financial marketplace for advisors?
Yes. The Aranidhi Ecosystem & Marketplace connects advisors, PMS managers, hedge funds, and HNI clients for deal sourcing and matchmaking. It also enables data monetisation across advisory networks and provides access to exclusive investment opportunities not available on standard platforms.
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