What do I own?
No single view across assets, custodians, and family members.
Wealth Coordination Layer
The operating system for multi-asset wealth.
One portfolio truth across every custodian, entity, and asset class. Built for advisors and family offices managing portfolios that have outgrown the spreadsheet.
The problem
Every wealth advisor — and every family — faces the same four questions.
Each one has its own tool. None of them talk to each other. Advisors operate across four disconnected workflows.
Where is my money going?
Cashflows, maturities, SIPs, and payouts — tracked in emails, statements, and spreadsheets.
What should I do next — given my goals, risk, and constraints?
Rebalancing and investment decisions made in Excel. No triggers, no system.
Can I trust this data?
Manual, inconsistent, hard to reconcile across sources.
Why now
Portfolios now include alternatives with non-linear cashflows, multiple entities, and multiple custodians. Excel has reached its limit.
₹250L Cr Wealth AUM projected by FY29
1.6M+ HNI families, growing fast
14+ Asset classes per portfolio
The advisors who own the decision layer will own the next decade.
What SmartRich is
The industry has systems of record. It has no system of decisioning.
SmartRich is the coordination layer that turns fragmented data into unified portfolio state, and unified state into advisory decisions.
Fragmented sources
Brokers CDSL · NSDL · BSE
AIFs / PMS Fund admins · NAVs
Banks FDs · Savings · Loans
Alternatives RE · Pvt credit · Gold
Insurance ULIPs · Policies
Layer 3 · Where outcomes change
Allocation & Decisioning Engine
Cross-asset allocation, rebalancing, and scenario modeling with goals, risk, and family-level constraints.
Context becomes decision-ready ▲
Layer 2 · Where context is built
State & Flow Engine
Live portfolio state and non-linear cashflow modeling across every asset, custodian, and entity.
Normalized data becomes live portfolio state ▲
Layer 1 · Where truth is established
Data Foundation
Multimodal ingestion of APIs, PDFs, and statements into one auditable portfolio truth with full lineage.
Early traction
The same pattern at every partner.
Portfolio state in spreadsheets, cashflows in PDFs, decisions in someone's head. SmartRich replaces all three with one system.
Anchor partner —
₹600+ Cr AUM onboarding end-to-end
₹5,600+ Cr AUM in active pipeline
80–120 hrs Manual work replaced per week, per partner
Live and onboarding
Product + Advisory ₹2,000 Cr
AIF and PMS tracked in separate sheets — no single portfolio truth for capital calls.
Fixed Income + MF ₹2,000 Cr
Weekly Excel reconciliation across custodians — no family-level portfolio view.
Alternatives-heavy ₹1,500 Cr
Capital calls tracked in PDFs — no structured view of drawdowns or distributions.
Distribution ₹100 Cr
Chasing statements from 4 custodians — no real-time client portfolio.
See your portfolio in one place.
A 30-minute walkthrough shows you what your practice looks like when data, flows, and decisions live in one system.
Bring your own custodian statements
See your real portfolio reconstructed live
No commitment — just a conversation