Pre-registration notice: Astra Wealthcraft LLP currently offers tax & compliance services and financial education only. We are not registered with SEBI. We intend to apply for registration as an Investment Adviser and will not provide investment advice until it is granted.
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Financial planning · Opens on SEBI registration

One written plan for your whole financial life.

This page describes the service we are building. We are not yet registered with SEBI as an Investment Adviser, so we do not offer investment advice today. If you would like to hear when we open, leave your details and we will write to you once.

Tell me when you openUse the free calculators

What the plan covers

Seven questions, answered in writing.

Goals

What you want, when, and what it will cost after inflation — short, medium and long term.

Emergency fund

How much, where to keep it, and how to build it without derailing everything else.

Protection

How much life and health cover your family actually needs, and whether your nominees are in order. We do not sell insurance.

Cash flow

What to do with each month's money, in order.

Asset allocation

The mix of equity, debt and other assets that fits your goals and your temperament.

Retirement

The number, the path, and the withdrawal plan when you get there.

Tax fit

Investments and withdrawals arranged so the plan is tax-efficient — with our tax practice next door.

Quarterly reviews

Plans drift. We meet every quarter, update the numbers and adjust.

Model portfolio

For the part of your money that belongs in direct equity.

We plan to offer a rules-based stock portfolio, rebalanced every quarter and researched on twenty years of Indian market data — prices, quarterly results and everything in between.

  • To be offered only where direct equity suits your risk profile and goals.
  • You would receive the portfolio and each quarter's changes; you place the orders in your own demat account.
  • We will never hold your money, your login or a power of attorney.
  • No performance fee. No promise of returns — markets fall as well as rise, and so will this portfolio.

Questions

Planning FAQ

When will the planning service open?
Only after SEBI grants us registration as an Investment Adviser. We are preparing the application and cannot give a date. We will publish the registration number on this site the day it arrives.
How will you charge for planning?
A single, transparent advisory fee paid by you — no commissions and no performance fee. Fee details are shared in writing on the intro call, before you sign anything.
Will you recommend regular or direct mutual fund plans?
Direct plans only. They have lower expense ratios because they pay no distributor commission — and we take none.
Do you sell insurance or other products?
No. We help you work out how much cover you need and what type; you buy it wherever you like.
Is there a minimum portfolio size?
No.

In the meantime, run your own numbers.

Seventeen free calculators — retirement, NPS, PPF, SIP and goal planning, take-home salary, old vs new regime, HRA, advance tax, capital gains, home loans and more. No sign-up, nothing to buy.

Open the calculators