Complete Net Worth Tracking
Every asset and liability in one view: bank accounts, mutual funds, stocks, EPF, PPF, NPS, gold, property, insurance, loans and credit cards.
SEBI Registered Investment Adviser · INA000022695
A Fee-Only Investment Adviser in India
Your financial command center, built by people who earn nothing from what they recommend.
We earn nothing from what we recommend: no commissions, no trail, no referral income. Advice and sale are never the same transaction here.
No commissionsNo product pushingNo conflicts of interest
Good morning
Your money, clarified.
Financial Health Score
82/ 100
Excellent
You are on track across key goals.
Net Worth
₹42,68,400
↑ 4.8% this monthDaily Safe Spend
₹2,840
Illustrative preview
SEBI RegisteredReg. No. INA000022695BSE Enlisted No. 2527RBI Account Aggregator frameworkFee-Only Model
WorthOS Technologies Private Limited — SEBI Registered Investment Adviser (Non-Individual) | Reg. No. INA000022695 | BSE Enlisted No. 2527
Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
The business model
Fee-only means we cannot earn from selling you anything
Most people in India who give investment advice are distributors — they earn a commission each time you buy a product, which means the advice and the sale are the same transaction. A SEBI-Registered Investment Adviser is held to a different standard and is required to act in your interest.
Now on Android
The Worth app Your complete financial picture, free on Android
A personal finance application built alongside the advisory practice. It connects your accounts through the RBI Account Aggregator framework and turns them into numbers you can act on.
What the Worth app does
Financial Health Score
A 100-point score, updated daily, that compresses your whole position into one signal you can read in a second.
Daily Safe Spend
What you can spend today without setting your goals back. The number nobody else gives you.
Goal-Based Planning
Goals with timelines and funding requirements attached, so you know what each one actually costs per month.
Spending Intelligence
See patterns, recurring bills and subscriptions before they become leaks.
AI Finance Copilot
Ask financial questions in plain language and get relevant, clear answers.
The Worth app is live on Google Play — download it free. The advisory practice is live and taking clients now.
Fee-Only — No Commissions
Investment Advisory Services
Personalised & SEBI regulated
Personalised advice under SEBI regulation, delivered on a strictly fee-only basis. WorthOS Technologies holds no distribution licences of any kind — we cannot accept a commission, a referral fee or a trail. That is a structural fact about the company, not a promise about our behaviour.
What is included in the advisory engagement
Comprehensive Financial Planning
Portfolio Review & Asset Allocation
Goal-Based Investment Planning
Retirement Planning
Risk Profiling & Suitability
Ongoing Review
How our fees work
SEBI fee cap and what we charge
Your fee is confirmed in writing before any work begins.
SEBI caps adviser fees at ₹1,51,000 per annum per family (fixed-fee mode) or 2.5% of assets under advice per annum. We charge within those limits and take no commissions of any kind.
Fee-only vs fee-based vs mutual fund distributor
How a fee-only adviser, a fee-based adviser and a mutual fund distributor differ.
| Fee-only adviser (Worth) | Fee-based adviser | Mutual fund distributor | |
|---|---|---|---|
| How they earn | Your advisory fee, and nothing else | An advisory fee, plus commission elsewhere in the group | Commission paid by the product manufacturer |
| Regulated as | SEBI Registered Investment Adviser | SEBI RIA with a distribution arm | AMFI-registered distributor |
| Duty owed to you | Required to act in your interest | Required to act in your interest as your adviser | Suitability, not a fiduciary standard |
| Earns more if you buy more | No | Not from you, but the group can | Yes |
| Can recommend do nothing | Yes | Yes, with less reason to | No incentive to |
| Distribution licences held | None | Held by the group | Required |
Where are you starting from?
Three common situations we are brought into
Each leads to the same first conversation, with a different thing to look at first.
I invest already, but with no plan
SIPs running, a few stocks, some insurance bought years ago, and no structure holding it together.
Start with a portfolio reviewI am starting out
Income is steady, savings are sitting idle, and every piece of advice so far has come with a product attached.
Start with a financial planI am planning for retirement
You want a corpus figure you can trust and a drawdown that has actually been modelled.
Start with retirement planningInside the Worth app
One view of everything you own and owe
Connect your accounts, understand your money, plan your goals and get answers grounded in your real financial life.
Swipe to explore the Worth app
Now live on Android
Get the Worth app on Google Play
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Duration1 MonthTotal Amount₹3,999
Our story
Who you are actually dealing with
Fee-only by structure, founder-led, and verifiable directly on the SEBI website.
WorthOS Technologies
WorthOS Technologies Private Limited is a Fintech company and SEBI Registered Investment Adviser based in Noida, India.
We are building Worth — India's decision intelligence layer for personal finance — alongside a fee-only investment advisory practice.
Worth was founded on a simple observation: Indian professionals have more financial apps than ever, yet remain unsure about everyday financial decisions. Every recommendation we make serves only one interest: yours.
Our Mission
To give every earning Indian the financial clarity of having a personal CFO.
Founder
Tanish SadhFounder & Principal Officer
Credentials and verification
MSc in Venture Capital and Private Equity (FinTech), University College London. NISM-certified Investment Adviser Level 1 and Level 2.
You can verify our registration directly on the SEBI website. We would encourage you to check any adviser you speak to, including us.
What Makes Us Different
01
Fee-only by structure. No distribution licenses, no commissions.
02
Built on India's RBI Account Aggregator framework.
03
SEBI-registered with documented risk profiling and annual audits.
5+Years Experience
SEBIRegistered
NoidaHeadquarters
FeeOnly Model
Transparency first
Compliance and regulatory disclosures
All regulatory disclosures, policies and grievance information in one place.
Number of client complaints
Data of the month ending June 2026
| Received from | Last Month | Received | Resolved | Pending | > 3 Months |
|---|---|---|---|---|---|
| Directly from investor | Nil | Nil | N.A | Nil | Nil |
| SEBI (SCORES) | Nil | Nil | N.A | Nil | Nil |
| Other Sources | Nil | Nil | N.A | Nil | Nil |
| Grand Total | Nil | Nil | N.A | Nil | Nil |
Common questions
Frequently Asked Questions
Clear answers to help you make informed decisions.
An advisor who charges only a direct fee for advice and earns no commission, trail or referral income from any product. In India they must be registered with SEBI as an Investment Adviser. WorthOS Technologies is registered under INA000022695 and holds no distribution licences.
It depends on the advisor and the fee mode. SEBI caps an Investment Adviser's fee at ₹1,51,000 per annum per family under the fixed-fee mode, or 2.5% of assets under advice per annum under the assets-under-advice mode. A distributor appears to charge nothing, because the commission is taken out of your returns rather than invoiced to you. Our own fee is confirmed in writing before work begins and falls within the SEBI ceiling.
A fee-only advisor is paid only by you. A fee-based advisor charges you a fee as well, but commission income exists somewhere in the same group. A distributor is paid entirely by the product manufacturer, so the advice and the sale are one transaction. All three are legal and regulated. The question is not which is best in the abstract. It is which one you are dealing with, and whether you were told.
You pay out of pocket, and the cost is visible in a way a commission never is. A distributor's commission comes out of your returns whether you notice it or not; our fee arrives as an invoice you have to approve. On a smaller portfolio a flat advisory fee can work out higher in rupee terms than the commission you would have paid elsewhere. Fee-only earns its keep once the amount you are investing is large enough that the quality of the decision matters more than the cost of the advice.
Someone who earns a commission on what they recommend and does not say so. Someone who quotes a return as if it were promised, or presents past performance as a forecast. Someone who cannot give you a SEBI registration number. Someone who asks for your bank login instead of using the Account Aggregator consent flow. Someone who reaches a product before asking what you are trying to achieve.
Ask for the registration number and look it up on the SEBI website's list of registered Investment Advisers. The number runs in the format INA followed by nine digits. Ours is INA000022695. A registered adviser is required to display that number on their website and in their client communications, so if you have to ask twice, treat that as the answer.
Yes. WorthOS Technologies Private Limited is a SEBI Registered Investment Adviser (Non-Individual), registration number INA000022695, BSE Enlisted number 2527. Registration is verifiable on the SEBI website.
No. We hold no distribution licences and cannot receive a commission, trail or referral fee from any fund house, insurer, broker or bank.
Within limits worth understanding. The RBI-regulated Account Aggregator framework gives a Financial Information User read-only, consent-based access to your financial data. It cannot move funds and cannot store your banking credentials. You choose what is shared and for how long, and you can withdraw consent at any time. Worth operates as a Financial Information User inside that framework. We are not an Account Aggregator ourselves.
Yes. The Worth app is live on Google Play and free to download. The advisory practice is live and accepting clients now.
Salaried and self-employed professionals in India who are already investing but do not have a structured plan, and who would rather pay for advice than receive it free from someone earning a commission on the other side.
Let's talk
Get the clarity of a personal CFO
One conversation, no product pitch at the end of it. We will tell you what we would charge and what we would look at before you commit to anything.
Talk to a SEBI Registered Investment Adviser
tanish@worthostech.com
+91 98182 41900
A-85, Sector 5, Noida, Uttar Pradesh – 201301
10:00 AM – 6:00 PM, Monday to Saturday
Compliance Audit Status
Annual compliance audit conducted as required under SEBI regulations.