I was the confused HNI before I was the founder.
A note from Ishaan Agrawal on why PMS Sahi Hai exists — and the promises it was built to keep.
Most “wealth advice” in India is a sales meeting in disguise. A bank RM can earn up to 65% upfronton a ULIP sold as a “special FD.” Your advisor disappears in 24 months. The fee you actually pay sits on page 7 of an agreement no one reads.
I built PMS Sahi Hai because I was the confused HNI before I was the founder. Three demat accounts. A PMS I never read past slide four. An RM whose bonus depended on what he sold, not on what I earned.
It started as a spreadsheet — a handful of us pooling our shortlists because there was nowhere honest to look. It got passed around, then asked for so often that we turned it into a product.
“What stops happening: you stop checking the portfolio at red lights. You stop pretending the AIF deck made sense. Your spouse stops asking if you’re okay.”
Today we score every PMS, AIF and GIFT City fund in India on the same seven pillars, and the exact rate we earn is disclosed in writing, before any money moves. That’s the whole model. No upfront, no kickback, no quarter-end push.
Three rules, written before any code.
Disclose the fee before money moves
The exact rate we earn, in writing, before you commit a rupee. No clause 9, no asterisk.
Score everything the same way
Every PMS, AIF and GIFT City fund, ranked on the same 7 pillars. Ranking owes nothing to who pays more.
Say it when direct is better
If going direct genuinely beats us, you hear it from us first. Transparency over volume.