Benchmark comparison
Your portfolio's cumulative return plotted against NIFTY 50 and SENSEX, over any window from 1M to 5Y. Know if you're really adding alpha — or just taking risk.
Your portfolioNIFTY 50
Wealthsmith is an AI-powered wealth-management company. Robo precision when you want it automated, a human advisor when you want to talk it through — so you never have to worry about financial planning again.
Manual tracking and high advisory fees quietly cost you years of returns. Wealthsmith removes both.
No more month-end spreadsheet nights, statement downloads, or manual NAV lookups.
Traditional wealth managers charge 1.5–2.5% a year. Over decades, that fee gap is a fortune.
Link accounts via Account Aggregator, upload a broker statement, or add holdings with unified NSE/BSE/MF search. It all lands in one portfolio.
Richie analyses risk, concentration, drift and tax, and proposes a target allocation. Escalate to a human advisor whenever you want.
Automatic benchmark comparison, drawdown alerts and tax-aware rebalancing suggestions keep the plan honest — every single day.
Richie reads your real holdings, transactions and goals — then explains what to do in plain language, with the trades and the tax impact spelled out.
Robo mode runs the discipline automatically — monitor, alert, propose, rebalance on your approval.
Built on live NSE, BSE and AMFI market data — prices, NAVs, corporate actions and fundamentals refreshed every day.
Your portfolio's cumulative return plotted against NIFTY 50 and SENSEX, over any window from 1M to 5Y. Know if you're really adding alpha — or just taking risk.
See true asset-class and sector exposure across every account at once.
Annualised return for every entry year × holding period. One year is a coin-toss; hold 3+ and it stays green — you didn't need to pick the year.
Retirement, a home, education — each goal gets a funding ring, a probability and the exact SIP change to close the gap.
STCG, LTCG and grandfathered gains computed to Indian rules — one click to a filing-ready statement for your CA.
Multi-factor scoring across quality, value, momentum and growth — with backtests, not vibes.
Side-by-side rolling returns, expense ratio, drawdown and portfolio overlap for any set of schemes.
Broker statements, contract notes or a live AA consent — holdings and transactions reconcile themselves.
Per-symbol price history, volatility, max drawdown and beta — plus which of your holdings touch it.
Answer a short risk questionnaire; get a diversified, rules-based target portfolio with a rebalancing schedule.
Same portfolio, same market return. The only difference is the annual fee drag.
Assumes 11% gross annual return and a Wealthsmith fee of ~0.4% (final pricing TBD). Illustrative — not a forecast.
Salaried investors and HNIs who want a plan, not a pile of statements.
Treasuries, trusts and corporates needing mandate-level discipline and reporting.
Multi-generation wealth across entities, asset classes and geographies.
Founders and businesses parking surplus, managing ESOP wealth or a treasury.
We're building proprietary products so more of your portfolio can live under one roof.
Rules-based, backtested factor strategies packaged as ready-to-invest portfolios.
PPNs that aim to protect your capital while keeping equity-linked upside.
Curated access to pre-IPO, private credit and off-market opportunities.
Payoff-engineered notes tailored to a view on rates, indices or single stocks.
Proprietary products will be offered subject to applicable SEBI regulations and eligibility. Availability, structure and pricing are not yet finalised.
Most days, rules beat emotions — so Richie runs the monitoring, alerts and rebalancing automatically. But life has moments a model can't price: a job change, a windfall, an inheritance, a market that feels different. That's when you book a human advisor.
Try everything free for 7 days. After that, your advisory fee is a percentage of the assets you keep under advice: lower for safer assets, higher where more monitoring is needed.
Everything included, from day one.
By the risk of what you hold.
The more you hold, the lower your rate.
No. Wealthsmith reads your holdings — via Account Aggregator consent or a statement upload — and advises on them where they are. You stay with your existing broker and demat.
Access is passwordless (email OTP), sessions are short-lived, and data is encrypted in transit and at rest. We use the RBI-regulated Account Aggregator framework for read-only account access — Wealthsmith never sees your banking credentials.
Both. The robo layer (Richie) runs continuously for everyone. Human advisor access is included from the Plus tier upward, and always available on demand.
Registration as an Investment Adviser is in progress. Registration details will be published here once granted. Until then, tools are provided for tracking and education, and formal advice is delivered only under the applicable regulatory framework.
Wealthsmith (India) is an independent venture founded by Bhavy Bhatia, who builds investments technology. Read the full story on our About page.
Everyone gets a 7-day free trial. After that the advisory fee is a percentage of the assets you keep under advice, from 0.75% for fixed income to 2.5% for high-risk holdings, with lower rates on larger portfolios. Billing is not active yet and nothing is charged today. See the pricing page for a calculator.
NSE and BSE equities, ETFs, Indian mutual funds, gold (including SGBs), and US equities today — with bonds and more on the roadmap. Prices, NAVs and corporate actions refresh daily.
Let AI keep the discipline and a human handle the judgement. Start your 7-day free trial — a code goes to your email, no password, no card.
7 days free · No card needed · Just your email to begin