12 Services. One Platform. Zero Compromise.
Everything your financial life needs — from KYC to wealth management — delivered through SEBI-registered professionals on one integrated platform.
KYC & Compliance
Our digital KYC process is fast, paperless, and fully compliant with SEBI and RBI regulations. Upload your PAN and Aadhaar, complete video verification, and you're investment-ready in minutes.
- Digital PAN + Aadhaar verification
- Video-based KYC (V-KYC)
- CKYC registry integration
- Automatic compliance updates
- Re-KYC reminders and tracking
Risk Profile Assessment
A scientifically designed questionnaire maps your financial personality — understanding your income, goals, timeline, and psychological comfort with market volatility.
- Comprehensive 20-point assessment
- Conservative to Aggressive spectrum mapping
- Product recommendations based on risk score
- Annual re-assessment reminders
- Advisor review of your profile
Goal-Based Planning
Map every rupee to a specific life goal — a child's education, home purchase, retirement, or that dream vacation. See exactly how much you need to invest monthly to reach each goal.
- Multi-goal portfolio construction
- SIP-to-goal calculators
- Inflation-adjusted projections
- Goal progress dashboard
- Mid-course correction alerts
Financial Strategy
Work with SEBI-registered Investment Advisors to create a comprehensive financial strategy covering asset allocation, debt management, insurance gaps, and long-term wealth creation.
- One-on-one advisor consultations
- Asset allocation strategy
- Net worth optimization
- Debt repayment planning
- Annual plan review and rebalancing
Tax Planning
Don't pay a rupee more in taxes than you need to. Our advisors help you choose the right tax regime, maximize deductions, and plan investments to reduce your tax liability.
- Old vs New regime comparison
- 80C, 80D, 80CCD optimization
- ELSS recommendation and tracking
- Capital gains tax management
- ITR filing guidance and support
Mutual Funds
Access thousands of direct mutual fund schemes across equity, debt, hybrid, and international categories. All executed via AMFI-registered distributors and partners.
- Direct plan access (lower expense ratio)
- SIP automation with custom dates
- Fund performance tracking
- ELSS and tax-saving funds
- SWP for retirement income planning
Global Investing
Diversify beyond Indian markets. Invest in US equities, global ETFs, and international mutual funds via RBI's Liberalised Remittance Scheme — fully compliant, up to $250,000/year.
- US stock market access
- Global ETFs and index funds
- LRS remittance facilitation
- Currency risk education
- Tax implications guidance (FEMA, DTAA)
Model Portfolios
Access curated model portfolios designed by SEBI-registered Research Analysts. Each portfolio is built with a specific risk profile, time horizon, and return objective in mind.
- Conservative, Balanced, and Aggressive models
- Monthly rebalancing recommendations
- Detailed rationale for each holding
- Backtested performance data
- Custom portfolio creation with advisor
Insurance Planning
Insurance is the foundation of any financial plan. Our advisors help identify your life cover need, health cover gaps, and recommend the right products — without conflicts of interest.
- Human Life Value (HLV) calculation
- Term insurance recommendations
- Health cover gap analysis
- Critical illness planning
- Annual insurance portfolio review
Portfolio Review
Markets change. Your life changes. Your portfolio should keep up. Scheduled quarterly reviews with SEBI advisors ensure your investments stay aligned with your goals.
- Quarterly portfolio health check
- Drift detection and rebalancing alerts
- Performance attribution analysis
- Tax-loss harvesting opportunities
- Advisor commentary and insights
Financial Education
Knowledge is the best investment. Access structured courses, live webinars, market insights, and a library of resources designed to make you a confident, independent investor.
- Beginner to advanced course tracks
- Weekly market analysis webinars
- Financial planning toolkits
- Expert Q&A sessions
- Certificate of completion
Advisor Support
Get your questions answered by real SEBI-registered professionals — not chatbots. Book appointments, message advisors, and get personalized guidance whenever you need it.
- Direct advisor messaging
- Scheduled video consultations
- Priority support for Premium members
- Response SLA: 24 hours
- Multilingual support (Hindi, Marathi, English)
SEBI Regulatory Disclosure
SOSM Services Pvt. Ltd. is a technology platform and is not registered with SEBI as an Investment Advisor or Research Analyst. All advisory services are provided by independent SEBI-registered professionals. Mutual fund transactions are facilitated through AMFI-registered partners. Global investing is subject to RBI LRS limits (USD 250,000 per financial year). Investments are subject to market risk.