Personalised Investment Advisory.
Built Around You.
Dynamic Money Research Advisory Services provides structured, goal-oriented equity investment advice tailored to your financial situation, risk profile, and long-term objectives. No commissions. No product bias. Fee-only fiduciary advice.
Regulated. Responsible. Relationship-First.
Dynamic Money Research Advisory Services is a SEBI Registered Investment Adviser (RIA) providing personalised, structured, and goal-oriented equity investment advice. Registered since 2015, we operate under the full regulatory framework of SEBI (Investment Advisers) Regulations, 2013.
Our advisory begins with a thorough understanding of each client's financial position, risk tolerance, and goals. Advice is provided only after completing mandatory risk profiling and executing a formal client agreement as required by SEBI.
We do not earn commissions from any financial product. We earn solely from our clients — ensuring every recommendation is in your best interest.
✓ SEBI Registered Investment Adviser since 2015Investment Advisory Services
Personalised, SEBI-compliant equity advisory designed around your financial goals — not generic recommendations.
Risk Profiling & Suitability
Mandatory risk profiling before advisory commences. Advice calibrated to your specific risk tolerance, financial goals, and time horizon as required by SEBI.
Equity Investment Advisory
Personalised advice on equity investments based on your financial position. Structured analysis, defined reference points, and clear rationale — without guaranteed outcomes.
Goal-Based Financial Planning
Comprehensive financial plans covering life goals — retirement, education, wealth accumulation — with written advisory reports and asset allocation roadmaps.
Ongoing Portfolio Reviews
Periodic review meetings and portfolio rebalancing advisory throughout the engagement year, with written reports and documented recommendations.
Client Agreement & Documentation
Formal written advisory agreement executed before any advice. You receive copies of agreement, risk profile, and suitability assessment as required by SEBI.
Tax & Investment Optimisation
Advisory on tax-efficient investment structures, Section 80C, capital gains optimisation, and direct mutual fund recommendations (Growth and Pinnacle plans).
Services NOT provided on this platform:
- Research Reports (see ra.dmresearch.in)
- Portfolio Management Services (PMS)
- Broking or Trade Execution
- Assured or Guaranteed Return Schemes
- Collective Investment Schemes
- Mutual Fund Distribution
Client Onboarding Process
A structured, SEBI-mandated five-step process before any paid advice is rendered.
Discovery Call
Free 30-min call to understand your situation, goals, and which plan fits.
Risk Profiling
SEBI-mandated suitability assessment covering risk appetite, income, investments, and goals.
KYC & Verification
KYC through SEBI-registered KRA. One-time exercise valid across all SEBI intermediaries.
Advisory Agreement
Formal SEBI-compliant written agreement signed before any advice is given or fees charged.
Ongoing Advisory
Written plan delivered within 10–15 working days. Scheduled reviews throughout the year.
Advisory Plans & Fee Structure
No commissions. No product incentives. We earn only from you. All fees are within SEBI-mandated limits. GST at 18% applicable on all fees.
SEBI Regulatory Fee Caps
- Fixed Fee: Max ₹1,25,000 per client per annum
- AUA-Based: Max 2.5% per annum of AUM under advice
- No upfront fees beyond 2 quarters in advance
- No performance-linked or profit-sharing fees
- No commission from any product manufacturer
- GST at 18% applicable on all fees
- Choose one model — Fixed or AUA — at onboarding
What’s Always Included
- Written risk profiling report before commencement
- Signed SEBI-compliant client advisory agreement
- Suitability assessment document
- Detailed fee schedule in the agreement
- GST-compliant invoice for all payments
- Grievance redressal mechanism
- Annual review and ongoing support per plan
- ✓One-Time Financial AssessmentNet worth, cash flow & debt analysis
- ✓Goal-Based Financial PlanUp to 3 goals (retirement, education, home)
- ✓Investment Portfolio ReviewExisting portfolio rationalisation
- ✓Insurance Gap AnalysisLife & health cover adequacy check
- ✓Mutual Fund AdvisoryDirect plan recommendations only
- ✓2 Review Meetings / YearVideo call, 30 min each
- ✓Email & WhatsApp SupportResponse within 48 hours
Best suited for: Individuals with total investments below ₹30 lakh. Monthly income ₹50K–₹1.5L.
Get Started- ✓Comprehensive Financial PlanAll life goals, milestones & scenarios
- ✓Tax Optimisation Strategy80C, 10(10D), HRA, NPS & capital gains
- ✓Asset Allocation RoadmapEquity, debt, gold & alternate assets
- ✓Direct Equity AdvisoryStock-specific recommendations with rationale
- ✓4 Review Meetings / YearQuarterly reviews, 45 min each
- ✓Priority WhatsApp SupportResponse within 24 hours
- ✓Emergency Advisory CallsUp to 2 unscheduled calls/year
Best suited for: Working professionals, HNIs with ₹30L–₹1.5Cr in investments.
Get Started- ✓Dedicated Advisory RelationshipSingle point of contact, priority access
- ✓Estate & Succession PlanningWill drafting advisory, nominee structuring
- ✓Business Owner AdvisoryProprietorship / HUF financial structuring
- ✓Unlimited Review MeetingsAs needed, no cap
- ✓Alternate Asset GuidanceREITs, InvITs, SGBs, structured products
- ✓Annual Tax Filing CoordinationLiaison with CA for ITR & capital gains
Best suited for: Ultra-HNIs, business owners with ₹1.5Cr+ investments or complex financial needs.
Enquire NowAssets Under Advisory
When AUA model makes sense:
- ✓You have a large existing portfolio
- ✓You prefer fees aligned with portfolio value
- ✓You want ongoing comprehensive advisory
- ✓Portfolio value above ₹50 lakh
| Tier | Plan Name | AUA Range | Annual Rate | Example AUA | Annual Fee (ex-GST) |
|---|---|---|---|---|---|
| Starter | AUA Starter | Up to ₹50L | 1.5% Max cap: ₹75,000 |
₹40L portfolio | ₹60,000 + GST |
| Growth | AUA Growth | ₹50L – ₹1Cr | 1.0% Max cap: ₹1,00,000 |
₹75L portfolio | ₹75,000 + GST |
| Wealth | AUA Wealth | ₹1Cr – ₹2Cr | 0.75% Max cap: ₹1,25,000 |
₹1.5Cr portfolio | ₹1,12,500 + GST |
| Elite | AUA Elite | Above ₹2Cr | 0.5% SEBI max: 2.5% p.a. |
₹2.5Cr portfolio | ₹1,25,000 + GST |
- ✓Full Portfolio AdvisoryAll assets under advisory covered
- ✓Risk Profiling & SuitabilitySEBI-mandated assessment
- ✓Quarterly Advisory Reviews4 reviews per year
- ✓Rebalancing AdvisoryWritten rebalancing recommendations
- ✓WhatsApp & Email SupportResponse within 24 hours
Fee cap: ₹75,000 p.a. (ex-GST). Fee reviewed annually based on portfolio value.
Get Started- ✓Direct Equity Stock AdvisoryIndividual stock recommendations
- ✓Goal-Based PlanningAll financial goals mapped and tracked
- ✓Tax Efficiency ReviewQuarterly LTCG/STCG advisory
- ✓Priority SupportSame-day response guarantee
- ✓Emergency Advisory CallsUp to 3 unscheduled calls/year
Fee cap: ₹1,00,000 p.a. (ex-GST). Ideal for portfolios between ₹50L and ₹1Cr.
Get Started- ✓Dedicated Advisory RelationshipNamed adviser, priority access
- ✓Comprehensive Wealth PlanningEstate, succession & tax
- ✓Alternate Asset AdvisoryREITs, InvITs, SGBs, structured products
- ✓Unlimited Reviews & CallsNo cap on meetings or calls
- ✓Business Financial AdvisoryProprietorship & HUF structuring
Wealth: 0.75% (cap ₹1,25,000). Elite: 0.5% for AUA above ₹2Cr. SEBI max 2.5% p.a.
Enquire NowInvestor Protection & Disclosures
Full regulatory disclosures as required by SEBI (Investment Advisers) Regulations, 2013.
Investor Charter — SEBI Registered Investment Adviser
As a SEBI Registered Investment Adviser, Dynamic Money Research Advisory Services is committed to providing honest, transparent, and client-first investment advice. This charter outlines investor rights, responsibilities, and the obligations of our firm.
🌟 Investor Rights
- Right to receive written, personalised investment advice
- Right to access risk profile and suitability assessment
- Right to a signed copy of the client advisory agreement
- Right to transparent fee disclosure before engagement
- Right to grievance redressal within stipulated timelines
- Right to escalate complaints to SEBI/BASL
- Right to terminate the advisory agreement with notice
- Right to data privacy and confidentiality of financial information
📋 Investor Responsibilities
- Provide accurate and complete financial information
- Disclose all material changes in financial position
- Read the advisory agreement before signing
- Understand that all investment decisions are yours alone
- Complete KYC through SEBI-registered KRA
- Pay fees only per the signed agreement
- Report fraud or suspicious requests immediately
- Read all risk disclosures and disclaimers carefully
✓ Do’s
- Verify adviser registration on sebi.gov.in before engaging
- Insist on a signed written advisory agreement
- Keep copies of all advisory reports and correspondence
- Pay fees only after signing the client agreement
- Use SEBI SCORES or SMARTODR for disputes
- Check that advice matches your risk profile
✗ Don’ts
- Do not share trading credentials, OTPs, or demat login
- Do not pay cash or to personal bank accounts
- Do not fall for guaranteed return promises
- Do not act on unsolicited advice or tips
- Do not allow third parties to access your trading account
- Do not ignore risk disclosures or compliance notices
Grievance Redressal Mechanism
We are committed to resolving all investor complaints promptly and transparently. Please follow the escalation path below:
Contact the Compliance Officer
Email: compliance@dmresearch.in | Phone: +91 82695 55558
Akansha Jain, Compliance Officer — Response within 5 business days.
SEBI SCORES Portal
If unresolved within 30 days, file a complaint at scores.sebi.gov.in. SEBI will forward to us and monitor resolution.
SMARTODR — Online Dispute Resolution
File for online conciliation/arbitration at smartodr.in. Free of cost for investors.
BASL — SRO Escalation
Escalate to BSE Administration and Supervision Ltd (BASL) at basl.org.in. BASL Member ID: 2116.
Complaint Data — Updated: 7 March 2026
Complaint statistics as required by SEBI Circular for Investment Advisers. Updated on the 7th of every month.
| Month | Opening | Received | Resolved | Pending | Avg Resolution (Days) |
|---|---|---|---|---|---|
| October 2025 | 0 | 0 | 0 | 0 | N/A |
| November 2025 | 0 | 0 | 0 | 0 | N/A |
| December 2025 | 0 | 0 | 0 | 0 | N/A |
| January 2026 | 0 | 0 | 0 | 0 | N/A |
| February 2026 | 0 | 0 | 0 | 0 | N/A |
| Total / Current | 0 | 0 | 0 | 0 | N/A |
* Data updated on 7th of every month as per SEBI Circular SEBI/HO/IMD/IMD-I/DOF-1/P/CIR/2021/573
Disclaimer & Risk Disclosure
Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Past performance is not indicative of future results. There is no guarantee of returns on any investment advised. All investment decisions are the sole responsibility of the investor.
Regulatory Disclaimer
Dynamic Money Research Advisory Services (SEBI Reg. No.: INA000003254) is registered as an Investment Adviser under SEBI (Investment Advisers) Regulations, 2013. Registration does not imply endorsement of the quality of services by SEBI or guarantee performance of the adviser.
Scope of Advisory
Advice provided is personalised and based on each client's individual risk profile, financial goals, and investment horizon. Advisory is limited to the assets and goals explicitly covered in the client advisory agreement. No advice is provided on derivatives, commodities, forex, or unlisted securities.
Segregation
Research Analyst services are provided under a separate SEBI registration (INH000024408) at ra.dmresearch.in and are strictly segregated from Investment Advisory services. No combined or bundled service is offered. Clients are advised to verify service scope before engaging.
No Guaranteed Returns
Dynamic Money Research Advisory Services does not promise, guarantee, or assure any specific return, profit, or performance on any investment. Any representation to the contrary is fraudulent. Report such claims to compliance@dmresearch.in or SEBI.
Conflict of Interest
The firm earns solely through advisory fees paid by clients. No commission, referral fee, incentive, or compensation is accepted from any financial product manufacturer, distributor, broker, or third party. This eliminates the primary source of conflicts of interest in financial advisory.
Most Important Terms & Conditions (MITC)
Client Agreement
A formal written advisory agreement is mandatory before any advice is rendered. The agreement specifies: scope of services, fee structure, payment terms, termination conditions, confidentiality, and grievance mechanism. Clients receive a signed copy before commencement.
Fee Payment Policy
- Fees are payable only after signing the Client Advisory Agreement
- Payment only to registered business bank accounts (SBI/AU Bank) or official UPI ID
- No cash payments accepted
- No payment to personal accounts
- Advance fees capped at 2 quarters as per SEBI regulations
- GST-compliant invoice issued for all payments
Termination Policy
Either party may terminate the advisory agreement by providing written notice as specified in the agreement. Refund of unused fee (pro-rated for incomplete quarters) will be processed within 15 working days of termination.
Data Privacy
Client financial data is maintained with strict confidentiality. Data is not shared with any third party without client consent, except as required by law or SEBI regulations. Client data is retained for 5 years as required by SEBI regulations.
Limitation of Liability
The firm's liability is limited to the advisory fee paid in the relevant period. The firm is not liable for investment losses arising from market conditions, force majeure events, or client decisions made contrary to advice.
Digital Accessibility Statement
Dynamic Money Research Advisory Services is committed to ensuring digital accessibility for people with disabilities. We continually improve the user experience for everyone and apply relevant accessibility standards.
♿ Conformance Status
This website aims to conform to WCAG 2.1 Level AA guidelines. We have made our best efforts to ensure the site is accessible to users with visual, auditory, motor, and cognitive disabilities.
⏮ Features Implemented
Skip navigation link · Keyboard navigation · ARIA labels and roles · Sufficient colour contrast ratios · Scalable text · Focus indicators · Screen reader-compatible structure
📱 Mobile Accessibility
The site is built with a mobile-first responsive design. Touch targets are minimum 44×44px. Text scales without horizontal scroll. Navigation is accessible via keyboard and assistive technology.
📧 Accessibility Feedback
If you experience accessibility barriers, please contact us at compliance@dmresearch.in or call +91 82695 55558. We aim to respond within 5 business days.
Payment Details
Pay only after signing the Client Advisory Agreement. Use only the official accounts below. Never pay cash or to personal accounts.
SBI Current Account
AU Small Finance Bank
UPI Payment
GPay · PhonePe · Paytm · BHIM
Contact Us
Reach Out
Scheme No. 78, Indore, MP – 452010
Opp. C-21 Mall, A.B. Road, Indore, MP – 452010
sebi@sebi.gov.in | 1800 22 7575
SEBI SCORES · SMARTODR · sebi.gov.in