There is no form to fill, no risk-profile quiz, no algorithm deciding your future. There is a conversation — long enough to understand what matters, and a commitment to stay in it for as long as the relationship lasts.
No forms, no quizzes. A few long conversations, then a written record, then the work begins. The order matters.
Conversation
Two or three long conversations before anything is proposed. No questionnaires, no tick-boxes. We want the real picture — what you own, what you owe, what’s promised, what keeps you up at night.
We write it down, share the document, and keep it current. Every idea that follows is checked against this picture before it leaves our desk.
If a family is not ready to be that candid, we are not the right firm. There is no shame in that — only in pretending otherwise.
Full picture
We map everything: existing mutual funds, insurance, real estate, FDs, international holdings, private investments, debt. Not just what we manage — everything you hold, wherever it sits.
The asset allocation is computed across the family, not per folio. Gaps and overlaps become visible. So do the products that were sold to you but probably shouldn’t have been.
This picture is yours, updated quarterly, whether or not you act on it.
Plan
We don’t hand you a 40-page financial plan printed in colour. We agree, in plain language, on what the family is trying to achieve and what the money needs to do over the next five to ten years.
Goals change. Markets shift. The plan is a living conversation, not a document filed away. We revisit it every quarter, informally, and formally once a year.
The products follow the plan — not the other way around.
Execute
From our full shelf — mutual funds, AIFs, PMS, GIFT City structures, international ETFs, private credit, SIFs, REITs, micro-caps — we bring you the instruments that express the plan, with commissions disclosed upfront.
You will never hear us say “invest in this because it’s new.” You will hear us say “here is an opportunity that fits what we agreed upon, here is why, here is the risk, and here is what we earn if you say yes.”
If we recommend something from which we earn nothing, that is disclosed too.
The real value of a wealth relationship shows up after the first tranche is invested. Here is what “ongoing” actually means at Accrue.
When we spot something worth your attention — a macro shift, a new fund, a private-credit window — you hear from us with context, not a sales pitch. Our journal goes out publicly; the real value is the private conversation that follows.
You get access to the same research, screening tools, and portfolio analytics we use internally. We share dashboards, not PDFs. You see what we see.
A structured check-in: how the portfolio performed, what changed in the market, what (if anything) needs to move. No slides, no jargon — a conversation over a call or in person.
Capital gains statements, DTAA documentation for NRI families, TCS records for LRS transactions — compiled and shared before your CA asks. We work alongside third-party tax experts for cross-border situations.
Not on a calendar. When allocation drifts meaningfully or when something we’ve been watching triggers, we bring you the case for change — never the other way around.
Investing is hard. You get some right and some wrong. When something doesn’t work, we say so plainly and explain what we’re doing about it. No hiding behind benchmarks.
Most distributors offer mutual funds. We offer everything a SEBI-registered distributor legally can — across asset classes, geographies, and structures.
A wealth practice is defined as much by what it refuses as by what it offers. Here are six things you will never experience at Accrue.
No switching for the sake of commissions. If a product is working, we leave it alone. Our average holding period is longer than most funds’ track records.
New fund offers earn the highest commissions in the industry. That is precisely why we almost never recommend them. We wait for a track record.
You work with one senior partner. Not a team. Not a rotating relationship manager who has to be briefed every six months.
No Monday-morning stock calls, no WhatsApp forwards, no breathless market commentary. When we reach out, there is something worth saying.
Every commission is disclosed in writing, in the same document that discusses the product. If we earn nothing, that is disclosed too.
Investing is hard. Some calls will be wrong. When that happens, we say so plainly and explain what we’re doing about it. No hiding behind benchmarks.
Partner, Accrue Private Wealth
12+ years in cross-border wealth distribution. Clients in 10+ countries. Dev started in institutional financial services and moved to direct client relationships because he believed families deserved the same depth of access and honesty that institutional investors take for granted.
He reads widely, writes publicly, and is most useful in conversations where the question is “what should this money actually do?” rather than “which fund is best this quarter?”
At Accrue, Dev is the only partner you will speak with. There is no team behind a curtain. If he doesn’t know the answer, he will say so — and find someone who does.
Accrue is a SEBI-registered mutual fund and investment distributor (ARN 162637). We do not charge our clients an advisory or AUM fee. We earn distribution commissions from the product manufacturers whose instruments we bring to you — AMCs, AIFs, private credit funds, international feeder structures, and so on.
On every product we discuss, the commission payable to Accrue is disclosed in writing, in the same document that covers the product itself. If we bring you something from which we earn nothing, that is disclosed too.
Why we are built this way. A fee-only model in India means adding another bill to a family that already pays expense ratios on the products themselves. A commission model, transparently disclosed, lets us offer the full shelf without a second invoice — provided our conviction is real and our incentives are balanced. No single manufacturer gives us revenue targets. No AMC sets our agenda.
The full disclosure is on the disclosures page, and the plainest answers are in the FAQ.
Regulated · Independent · Open Architecture
“We had three advisors before Accrue. Dev is the first one who showed us what he earns before we asked.”
A. Mehta · NRI Family · Singapore
There is no hard minimum. Most of our families start with &rupee;2–5 crore, and the sweet spot for the kind of deep engagement we offer is &rupee;5 crore and above. If your situation is complex enough to warrant a senior partner, we are a good fit regardless of the exact number.
We are a SEBI-registered mutual fund and investment distributor. We do not charge advisory or AUM fees. We earn commissions from product manufacturers, disclosed in writing on every product we discuss. For matters that require formal investment advice, we work alongside a SEBI-registered investment adviser.
Yes. We work with NRI families investing in India (direct mutual funds, GIFT City structures, AIFs) and with resident families investing internationally (LRS, international ETFs, US stocks). Cross-border tax documentation and DTAA optimisation are handled alongside third-party tax experts.
Quarterly reviews are structured. In between, you will hear from us when something worth saying has happened — a macro shift, a new opportunity, or a product window. You will not hear from us to fill a slot on a calendar or hit a call-volume target.
We start by mapping everything you hold, regardless of where it sits. Existing holdings are evaluated on merit, not replaced for the sake of bringing them under our umbrella. If something is working, we leave it alone.
A 30–45 minute call. No presentation, no pitch deck. We ask about your family, your goals, what you own, and what has worked or not worked with previous advisors. If there is a mutual fit, we move to a detailed discovery conversation. If not, we say so — no awkward follow-ups.
No forms, no obligations. A 30-minute call to see if there is a mutual fit.