Clear, structured, and jargon-free sessions — backed by 25+ years of capital market expertise, 6 NISM certifications, AMFI registration, and IRDAI licensing. Every session is personalised. Every rupee is justified.
All sessions are 60 minutes · By prior appointment only · No free consultations
Every engagement begins with a paid booking. No walk-ins. No free consultations. Structured, professional, and 100% focused on you.
Choose your service, pay via UPI. Instant confirmation.
Receive calendar invite + Zoom/Meet link within 2 hours.
Focused consultation with Sanjeev Kumar Sharma, personally.
Written notes + actionable roadmap delivered post-session.
Ongoing support via subscription or rebooking as needed.
Focused 60-minute sessions for specific financial decisions. Pay once. Get expert clarity. No recurring commitment.
Why this price? Comparable health checks at RIA firms cost ₹5,000–15,000. Our 60-minute session with a 25-year veteran, including a written PDF report and insurance audit, delivers significantly more value. You save ₹2,000–12,000 compared to RIA alternatives, while getting practical, actionable insights immediately.
Why this price? Insurance mis-selling costs Indian families ₹20,000–₹2,00,000+ in wasted premiums over policy lifetimes. One ₹3,999 audit typically identifies ₹20,000–80,000 in annual savings through restructuring. The ROI is often 5–20x within the first year itself.
Why this price? SEBI-registered financial planners charge ₹15,000–₹50,000 for similar goal-based plans. Our session provides structured goal facilitation at a fraction of the cost, backed by 25+ years of capital market experience. You walk out with a clear, documented path forward.
Why this price? CAs charge ₹2,000–₹10,000 for tax filing alone (without optimisation). Our session focuses entirely on proactive tax education — helping you save ₹20,000–₹2,00,000+ annually depending on your bracket. The session pays for itself within the first tax-saving action.
Why this price? The average Indian retiree faces a ₹40–60 lakh shortfall. One well-planned session can prevent decades of financial stress. Our 60-minute facilitation with corpus modelling and written roadmap is priced at 1/5th of what RIA firms charge (₹20,000–₹40,000).
For clients who want continuous guidance, quarterly reviews, and priority access. Subscribe and never worry about financial decisions alone.
All subscription plans are auto-renewed unless cancelled 7 days before renewal. Payment via UPI. No lock-in — cancel anytime.
Transparent pricing with clear value — see how Integrato Financial Services compares to other options in India.
| Feature | Integrato Financial Services | SEBI RIA Firms | Bank Relationship Managers | Online Robo-Advisors |
|---|---|---|---|---|
| Session Cost | ₹2,999 – ₹4,999 | ₹10,000 – ₹50,000 | Free (but commission-driven) | Free / ₹500 |
| Annual Plan | ₹19,999/year | ₹25,000 – ₹1,25,000/year | No structured plan | ₹3,000 – ₹10,000/year |
| Experience | 25+ years, 6 NISM certs | Varies (5–20 years) | Varies (often junior staff) | Algorithm-based |
| Personal Attention | ✓ 1-on-1 with Founder | ✓ 1-on-1 | ✗ Rotating staff | ✗ No human contact |
| Insurance Advisory | ✓ IRDAI Licensed | Some | Bank products only | ✗ No |
| Written Reports | ✓ After every session | ✓ Yes | ✗ Rarely | ✓ Automated |
| Conflict of Interest | Low (transparent commissions) | Very low (fee-only) | High (sales targets) | Low |
| Product Range | MF + Insurance | All securities | Bank products | MF only |
Entity: Integrato Financial Services Private Limited | NISM Registration: NISM-201400033574 | AMFI ARN: Registered Mutual Fund Distributor | IRDAI: Licensed Insurance Advisor
NOT A SEBI REGISTERED INVESTMENT ADVISER (RIA): Integrato Financial Services Pvt Ltd is NOT registered with SEBI as an Investment Adviser under the SEBI (Investment Advisers) Regulations, 2013. We do not provide investment advice on securities as defined by SEBI. All consultation fees are charged for insurance advisory services (under IRDAI licence), financial education and awareness, document preparation assistance, and incidental goal-based guidance related to our mutual fund distribution activities.
MUTUAL FUND DISTRIBUTION: As an AMFI-registered Mutual Fund Distributor, we facilitate investments in Regular plan mutual funds. We earn trail commissions from Asset Management Companies (AMCs) as permitted under SEBI (Mutual Funds) Regulations, 2026. These commissions are embedded in the scheme's Total Expense Ratio (TER) and are not charged separately to investors. Investors should note that Direct plans of mutual fund schemes have lower expense ratios compared to Regular plans.
INSURANCE ADVISORY: We are licensed by IRDAI to provide insurance advisory services. Insurance advisory fees are separate from and in addition to any commissions we may receive from insurance companies for policies facilitated through us.
RISK DISCLOSURE: Investments in securities markets are subject to market risks. There is no assurance or guarantee that investment objectives will be achieved. Past performance is not indicative of future returns. Please read all scheme-related documents carefully before investing. The value of investments may go down as well as up.
TAGLINE: AMFI-registered Mutual Fund Distributor | Integrato Financial Services Pvt Ltd
GRIEVANCE: For any complaints or grievances, please write to or call +91 95991 81681 (Mon–Sat, 9 AM – 6 PM).