SEBI Registered Investment Adviser
Every year you wait
is a year of compounding
you never get back.
Fee-only, zero-commission advisory from Vinayak Savanur CFP® — 14 years of capital markets experience. Run the numbers on your own money below, in under 60 seconds.
SEBI RIA INA200015246
CFP® · MBA Finance
14 years experience
Zero commission, ever
Why families choose Sukhanidhi
Zero commission, structurally
No trail, no AUM fee, no product margin. Nothing to gain by recommending more.
A licensed fiduciary
SEBI RIA INA200015246 — legally bound to act in your interest, not a distributor's.
Founder-led, every time
The same advisor from your first call to every annual review. No handoffs.
Sukhanidhi Investment Advisors does not display past performance or return comparisons in marketing material, in line with SEBI's advertisement code for Investment Advisers.
SEBI Reg.
INA200015246
14 Years
Capital markets experience
Fee-Only
Zero commission model
3 Books
Published works
Delay has a real, calculable cost
Every year of postponed investing is a year of lost compounding — one of the only genuinely irreversible costs in personal finance.
Commissions leak silently
Trail commission is deducted from your corpus before you ever see a statement. Most investors never calculate the lifetime total.
Concentration is a hidden risk
100% India exposure means your entire wealth moves with one country's currency, policy, and economic cycle.
Free tools · No login required
See your own numbers.
Not ours.
Four calculators built to answer the questions that actually change decisions. Every result ends with a button to send your own numbers straight to Vinayak on WhatsApp — no forms, no spam.
Cost of Delay
Commission Leakage
India Concentration Risk
Financial Freedom Number
The Cost of Delay Calculator
See exactly what postponing your investing plan by a few years costs you at your goal horizon — in real rupees, not vague advice.
Monthly investable amount ₹25,000
₹5,000₹2,00,000
Assumed annual growth rate 12%
6%16%
Years to your goal 20 years
5 yrs30 yrs
Delay before starting 3 years
1 yr10 yrs
Starting late costs you
₹0
at your goal horizon — money that simply never gets the chance to compound.
Corpus if you start today₹0
Corpus if you delay₹0
Send this to Vinayak on WhatsApp
Illustrative calculation only. The growth rate is an assumption you control — it is not a promise, guarantee, or estimate of actual returns from any Sukhanidhi service. Actual investment outcomes depend on market conditions and are subject to risk. This tool does not constitute investment advice.
The Commission Leakage Calculator
Most investors never add up what their MFD, bank RM, or PMS trail commission actually costs over the years. Compare it against a flat, fee-only structure.
Current portfolio value ₹50,00,000
₹10L₹2Cr
Estimated commission / trail 1.5%/yr
0.5%2.5%
Sukhanidhi flat annual fee ₹30,000
₹15,000₹1,00,000
Time horizon 15 years
5 yrs25 yrs
Total commission drag
₹0
more than a flat fee-only structure would have cost over the same period.
Total paid — commission model₹0
Total paid — flat fee model₹0
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Illustrative calculation only, using a simplified compounding model with the commission rate and corpus growth you select. Actual commission structures, expense ratios, and returns vary by product and provider. This tool does not name or make claims about any specific fund, distributor, or provider.
The India Concentration Risk Calculator
What share of your total investable wealth sits inside Indian equity and Indian mutual funds alone? See it as a picture, not a percentage.
Share of wealth in India-only equity 100%
0%100%
DiversifiedBalancedConcentrated
Your concentration status
Fully Concentrated
Your entire wealth moves with a single country's currency, interest rate cycle, and regulatory environment.
India exposure100%
Rest-of-world exposure0%
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This tool is a self-reflection aid, not a personalised asset allocation recommendation. It does not constitute investment advice. Any allocation decision should be made only after formal risk profiling with a SEBI Registered Investment Adviser.
The Financial Freedom Number
Using a widely-used inflation-adjusted withdrawal framework, estimate the corpus you would need to sustain your current lifestyle at retirement.
Current age 35
2260
Target retirement age 55
4570
Current monthly expenses ₹1,00,000
₹25,000₹5,00,000
Assumed inflation 6%
4%9%
Your Financial Freedom Number
₹0 Cr
the illustrative corpus needed at retirement to sustain your current lifestyle, inflation-adjusted.
Monthly expense at retirement₹0
Years to retirement0
Get my full plan from Vinayak
Uses a widely-referenced 4%-withdrawal-rate framework (25x annual expenses) purely for illustration. This is a simplified planning heuristic, not a guarantee that this corpus will be sufficient, nor a prediction of any investment outcome. A full financial plan requires formal risk profiling.
What we offer
Three advisory categories.
One clear philosophy.
We do not mix products. We do not earn commissions. Every service is clearly scoped, clearly priced, and delivered by the same advisor who signs the recommendation.
Direct Equity Portfolio Advisory
Elite Equity Portfolio
A concentrated portfolio of 10–25 quality businesses from the Nifty 500 universe. Deep fundamental research and long-term holding, in your own demat account.
Explore Direct Equity Portfolio Advisory →
Annual upfront · Corpus ₹10L – ₹1Cr+ · SIP option available
Passive (Deshi) Portfolio Advisory
Deshi Portfolio™
Indexed investing, India-focused — India-listed index ETFs held directly in your own demat account. No stock-picking, no active-fund costs.
Explore Passive (Deshi) Portfolio Advisory →
Index ETFs · SIP option available
Global (Videshi) Portfolio Advisory
Videshi Portfolio
A one-time advisory for a global conviction portfolio entirely outside India, via LRS — structural megatrends across a diversified basket of low-correlation economies.
Explore Global (Videshi) Portfolio Advisory →
One-time fee · No annual charge
Why Sukhanidhi?
At Sukhanidhi, you are assured of
Excellence in advisory
Deep research, disciplined process, and consistent monitoring behind every recommendation.
Objective, unbiased advice
No product to sell, no commission to earn. Every recommendation is judged on merit for your goals.
SEBI-registered credibility
A licensed fiduciary, legally bound to act in your interest — not a distributor earning trail commission.
Low cost — fixed fees only
No performance fees. No AUM-based charges. One flat annual fee, paid upfront.
Peace of mind
We uphold your trust — safeguarding your investments and offering our services at reasonable fees.
Founder-led, always
The same advisor from your first call to every annual review. No handoffs, ever.
Why we don't take every client who calls.
Vinayak personally reviews every portfolio — there is no team of junior analysts behind the scenes. That means new client onboarding genuinely takes 2–3 weeks for proper risk profiling and portfolio construction, and advisory bandwidth is deliberately kept limited to protect the quality of service every existing client receives. If you are considering starting, the honest advice is: start the conversation early.
Call toll-free: 1800 889 0255
As featured in
mint
Recognised & associated with
Belgaum Chamber of Commerce & Industries
Meet the founder
Vinayak Savanur
Founder & Chief Investment Officer · Sukhanidhi Investment Advisors
With 14 years of hands-on capital markets experience, Vinayak has guided professionals and business owners across Karnataka through bull runs, crashes, fads, and noise — always advocating calm, conviction-led, quality investing.
CFP® Certified
India's highest financial planning certification
MBA — Finance
Specialisation in capital markets
SEBI RIA INA200015246
Registered since 30th September 2020
Published Author
The Index Revolution · The Unlisted Bible · Going Global
New Book
Going Global — Vinayak's third book, on building a diversified international portfolio from India.
A practical guide to LRS-based global ETF investing — the same philosophy behind Videshi Portfolio, now in print.
SEBI compliance
Full regulatory disclosures, always up to date.
Registration details, complaint data, audit status, grievance escalation, and the complete SEBI Investor Charter — updated monthly.
Key Disclosures — SEBI (Investment Advisers) Regulations 2013
Registration Details
Sukhanidhi Investment Advisors · SEBI RIA INA200015246 · Registered 30/09/2020
Fee Structure
Fixed annual fee only · No commission · No AUM-based fee · Max ₹1.51L per family per year
Calculators Disclaimer
All calculator outputs are illustrative estimates based on user-adjustable assumptions. They do not constitute investment advice, a performance guarantee, or a prediction of returns.