Fiduciary Duty
Under SEBI regulations, an RIA must act in your best interest, not the platform's. Every recommendation has to be justified, documented, and aligned to your risk profile.
SEBI RIA · INA000018382
India's First AI-Powered
SEBI Registered Investment Advisor
Personalized mutual fund and portfolio advice from a fee-only SEBI Registered Investment Adviser — supported by Dhriti, your Genvest advisor, monitoring what changes around your portfolio.
Fee-Only Advisory
Zero Commissions
Free Portfolio Check
SEBI RIA: INA000018382
IIT IIM Alumni Founded
Why a SEBI Registered Investment Adviser Matters
Most popular Indian fintech apps are mutual fund distributors or brokers. RIAs are a different — and stricter — regulatory category.
Fee-Only, No Commissions
Genvest earns fees from you — never from mutual fund houses, AMCs, or product manufacturers. No hidden trail commissions, no incentive to push the wrong product.
Audited, Regulated, Accountable
RIAs are audited annually by SEBI-mandated auditors, must maintain advice records, and face direct regulatory action for misconduct. Your protection is structural, not promised.
Direct Plans Only
We only recommend Direct Plans of mutual funds — saving you 0.5–1.5% per year in commissions compounded over your investment horizon. Small fee, big retention.
What AI Adds to Investment Advice
Traditional advisors review quarterly. Dhriti watches every day — and surfaces what changed.
Market Regime Detection
Dhriti classifies the market into Risk-On, Risk-Off, Recovery, and Shock regimes and adjusts your suggested asset mix accordingly — so you're not stuck with one allocation through every cycle.
Underperformer Detection
Live monitoring of fund performance against peer cohorts. Funds that drift to the bottom quartile or show high redemption signals get flagged with a recommended action.
Smart Rebalancing
Dhriti suggests when and how to rebalance — accounting for tax impact, exit load windows, and your goal horizon. Each suggestion is reviewed by our advisory team before it reaches you.
Goal-Linked Plans
Map every SIP to a goal — retirement, education, home — and Dhriti tracks shortfall risk in real time, suggesting increases or reallocation when you're drifting off target.
24/7 AI Chat
Ask anything about your portfolio in plain English. Dhriti gives SEBI-compliant, context-aware answers — built on your data, not a generic chatbot.
Start With Genvest on Android or iOS
Download Genvest to connect your investments, review your portfolio health and explore Dhriti's AI-assisted insights. No card details are required to get started.
Available on the App Store and Google Play.
How Genvest Compares
Three categories of finance apps in India. Only one is a SEBI Registered Investment Adviser with AI built in.
| What you get | Genvest (SEBI RIA + AI) | Typical MF Distributor App | Traditional RIA |
|---|---|---|---|
| SEBI RIA registration | Yes | No | Yes |
| Fiduciary duty to client | Yes | No | Yes |
| Earns commissions from AMCs | No | Yes | No |
| AI-powered portfolio monitoring | Yes | Limited | No |
| Market regime detection | Yes | No | No |
| 24/7 AI chat advisor | Yes | No | No |
| Minimum portfolio to engage | None | None | ₹25L–₹1Cr |
| Annual fee | From ₹150/mo | Hidden in commissions | ₹50K–₹2L+ |
From Sign-Up to First AI Insight — in Under 5 Minutes
A simple, transparent onboarding designed around SEBI's advisory framework.
1
Download & KYC
Install Genvest on Android or iOS. Complete a paperless KYC and SEBI-mandated risk profile in about 3 minutes.
2
Link Your Portfolio
Upload your CAS or connect via Account Aggregator. Genvest reads, classifies, and benchmarks every holding.
3
Get Your AI Health Score
Dhriti returns a portfolio health score, flags red zones, and surfaces 2–3 priority actions.
4
Act & Monitor
Accept, modify, or skip each recommendation. Your portfolio is monitored continuously, with alerts when something changes.
Common Questions
Quick answers on SEBI registration, AI advisory, and how Genvest works.
What is a SEBI registered Investment Advisor (RIA)?
A SEBI Registered Investment Adviser is an entity licensed by the Securities and Exchange Board of India under the SEBI (Investment Advisers) Regulations, 2013. RIAs have a fiduciary duty to act in the client's best interest and earn fees only from the client — never commissions from mutual fund houses or product manufacturers. Genvest is registered with SEBI under registration number INA000018382.
How is Genvest different from Groww, Zerodha, INDmoney, or ETMoney?
Most popular fintech apps in India are mutual fund distributors or brokers — they earn commissions and execution fees from the products you buy. Genvest is a SEBI Registered Investment Adviser, which is a different (and stricter) regulatory category. We charge a transparent advisory fee, accept zero commissions from mutual fund houses, and our AI is built to optimize your portfolio rather than maximize platform revenue.
How does AI improve traditional investment advice?
Traditional advisors review portfolios quarterly or annually. Our AI engine, Dhriti, monitors your portfolio continuously — detecting market regime shifts (Risk-On, Risk-Off, Recovery, Shock), flagging underperforming funds with high redemption signals, identifying allocation drift before it becomes expensive, and proposing rebalancing trades for human review. The human advisor still validates every recommendation; AI just makes the process faster, more consistent, and accessible to investors who don't have ₹50 lakh+ minimums to engage a private wealth manager.
Is Genvest a robo-advisor?
Not exactly. A typical robo-advisor in India is a mutual fund distribution platform with an automated fund-picking layer on top. Genvest is a SEBI Registered Investment Adviser — we provide advice on your portfolio rather than push you into a pre-built model portfolio. You also keep your existing demat and folio accounts; Genvest analyses and advises, you (or our execution partner) trade.
What does the free portfolio analysis include?
Upload your latest CAS (Consolidated Account Statement) or holdings PDF. In about 60 seconds, Dhriti returns a portfolio health score, flags underperforming funds, surfaces concentration and asset-allocation risk, and recommends one or two priority actions. No card details required, no commitment.
How much does Genvest cost after the free check?
Pro membership starts at ₹5 per day (about ₹150/month) for ongoing AI-powered portfolio monitoring, regime alerts, smart rebalancing, and priority Dhriti access. Cancel within 30 days for a full refund, no questions asked.
Is my financial data safe with Genvest?
Yes. We use bank-grade encryption, store data within India in compliance with SEBI and RBI guidelines, and never sell, rent, or share your data with third parties. You can read the full data-handling policy at /privacy-policy and the SEBI-mandated disclosures at /disclosure.
Can I verify Genvest's SEBI registration?
Yes. Visit the SEBI Intermediary Portal (sebi.gov.in) and search for registration number INA000018382, or visit our /disclosure page for the registration certificate and current compliance status.
Put Your Complete Portfolio in One Place
Download Genvest on Android or iOS to connect your investments and explore your portfolio insights.
SEBI Disclosure: Genvest is a brand of Coinwise Research Private Limited, a SEBI Registered Investment Adviser (Registration No. INA000018382). Investments in securities and mutual funds are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. Registration granted by SEBI, membership of BSE Administration & Supervision Limited (BASL), and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. See full disclosure, investor charter, and complaints data.