Your own wealth expert. Free, for every investor.
Dhan Saarthi connects you with a dedicated expert who understands your goals and builds your portfolio, from your first SIP to a PMS portfolio, backed by tools that show what's working and what isn't.
No fee. Pick a time and talk to your expert on a free 30-minute call.
AMFI-registered Mutual Fund Distributor, ARN-325085
Your Dhan Saarthi expert
NISM-certified, AMFI-registered
Funds A and B are doing the same job, and 83% in equity is more than your moderate risk allows. Let's fix both on our next review.
Apps give you a catalogue. We give you a person.
Investing apps show you thousands of options and leave the choosing to you. Your Dhan Saarthi expert looks at your risk, your goals and everything you already hold, then guides you on what to do next and why.
Investing on your own
- Thousands of funds and a star rating to choose by.
- Tips from social media and friends.
- Nobody notices when your portfolio drifts from your goals.
- Every decision, including when to sell, is yours alone.
With your Dhan Saarthi expert
- A plan built on your risk profile and your goals.
- Recommendations across products, not just inside one.
- Regular reviews, and a nudge when something needs fixing.
- Someone to talk to before you make a big decision.
How it works
Know your risk
A short profile measures two things: how much risk your finances can carry, and how you actually behave when markets fall. Your expert plans around both.
Risk capacity: what your finances can carryHighRisk comfort: how you react when markets fallModerateYour plan is built forModerate riskSet your goals
Retirement, your child's education, a home. Each goal gets an inflation-adjusted target and the monthly SIP it needs, so you know whether it is realistic.
Buy a home in 2032
Target, adjusted for inflation₹1.2 croreAlready saved₹18 lakhMonthly SIP neededAbout ₹90,000Illustrative. Assumes 10% a year; returns are not guaranteed.
Get your plan from your expert
Your expert recommends products that fit your risk, goals and timeline, across mutual funds, SIFs, PMS and GIFT City funds, and explains why each one is there.
Your plan, moderate risk
- Equity funds60%
- Debt funds30%
- Gold funds10%
Built around your moderate risk level and your 2032 home goal. We'll bring equity down from 83% to 60% gradually.
Invest and stay on track
Invest in a few taps. Your expert checks for overlap, underperformers and drift, guides you through rebalancing, and handles KYC and paperwork with you.
Quarterly review
- Needs attention: Equity is at 66% after a strong quarter, against a 60% target
- Needs attention: Debt fund D is trailing its category average
- On track: Home goal for 2032 is on track
Two quick fixes this quarter. I'll walk you through both before anything changes.
One expert, every product
Your expert recommends what fits your plan, whether that's a ₹2,000 monthly SIP or a ₹50 lakh PMS portfolio.
- Mutual funds
- SIPs and lumpsum investments across equity, debt and hybrid funds.
- Specialised Investment Funds (SIF)
- From ₹10 lakh
- A newer SEBI-regulated category between mutual funds and PMS, with more flexible strategies.
- Portfolio Management Services (PMS)
- From ₹50 lakh
- A professionally managed portfolio of stocks, held in your own name.
- GIFT City funds
- Invest globally in US dollars through India's international financial centre, under the RBI's Liberalised Remittance Scheme.
How Dhan Saarthi earns
We are a distributor. Fund houses pay us a commission through regular plans, and that commission is already included in the fund's expense ratio. Regular plans cost slightly more than direct plans. In return, you get an expert. You never pay us a separate fee.
For PMS, SIFs and GIFT City funds we earn a distribution fee from the provider, included in their charges. Your expert walks you through every fee before you invest.
- AMFI-registered Mutual Fund Distributor. ARN-325085. Every expert is NISM-certified.
- Your money goes straight to the fund house or PMS provider. Investments are held in your name.
- Regulated onboarding. KYC is completed through registered KYC agencies before you invest.
Frequently asked questions
What is Dhan Saarthi?
Dhan Saarthi is a wealth platform that gives every investor their own expert. Your expert understands your risk and goals and helps you invest across mutual funds, SIFs, PMS and GIFT City funds, with tools to plan and track everything in one place.
Who will my expert be, and how do I reach them?
Depending on your needs, your expert is either from our in-house team or an experienced partner mutual fund distributor working with Dhan Saarthi. Download the app and sign up, and your expert reaches out within 2 working days.
What qualifications does my expert have?
Every Dhan Saarthi expert is NISM-certified and registered with AMFI, as required for mutual fund distribution in India.
Does it cost anything?
No. You do not pay Dhan Saarthi or your expert a fee. We are an AMFI-registered Mutual Fund Distributor (ARN-325085) and earn a commission from fund houses through regular plans. That commission is already included in the fund's expense ratio. For PMS, SIFs and GIFT City funds we earn a distribution fee from the provider, included in their charges, and your expert walks you through every fee before you invest.
Why regular plans instead of direct plans?
Every mutual fund has two versions: a direct plan you buy on your own, and a regular plan bought through a distributor. Regular plans have a slightly higher expense ratio because they include the distributor's commission. In return you get an expert who picks, monitors and rebalances your investments with you.
What can I invest in?
Mutual funds, Specialised Investment Funds (from ₹10 lakh), Portfolio Management Services (from ₹50 lakh) and GIFT City funds. Bonds and fixed deposits are coming soon.
Is my money safe?
Your money goes directly to the fund house or PMS provider and your investments are held in your name. Like all market-linked investments, their value can go up or down.
Can I use the calculators without signing up?
Yes. All calculators, the fund screener, fund comparison and overlap tools are free and need no sign-up.
Free tools, no sign-up
Run the numbers yourself before you talk to your expert.
Build your plan with an expert, starting today.
No fee for your expert, and your investments always stay in your name.