TruCost
How we're paid, in plain rupees.
You should know exactly how we make money before you trust us with yours. Here is all of it.
Where our money comes from
| What | Who pays us | Typical amount | When you see it |
|---|---|---|---|
| Mutual funds regular plans | The fund house, from the fund's annual expenses | About 0.5–1% of the amount invested, each year. Lower for index and debt funds. | On every recommendation (TruCost), in your account statement every six months, and in your yearly TruValue |
| Insurance through a licensed partner | The insurance partner | A one-time fee and smaller renewal fees, different for each policy | Before you buy, in rupees |
| Loans through a lending partner | The lender | A one-time fee on the amount you borrow | Before you apply, in rupees |
| TruCheck, emergency fund and "hold" advice | Nobody | ₹0 | Always free |
No upfront fee, no subscription, no charge for talking to your expert.
An example
What TruCost looks like on a recommendation.
Before you invest, you see what the fund house will pay us, in rupees, next to what the same fund costs without us.
You invest
₹5,00,000
Because the commission comes out of the fund's expenses, the regular plan's returns are lower than the direct plan's by about this amount.
The honest comparison
Direct plans cost less. Here's when we're worth it.
Choose a direct-plan app if
- you enjoy researching funds yourself
- you review your whole portfolio at least once a year
- your insurance and loans are already sorted
Choose Tru Nivesh if
- you want a named expert who knows your whole picture
- you want insurance gaps and costly loans fixed too
- you want a yearly account of what we did against what we earned
Our guardrails
How we keep commission from shaping advice.
- 01
A written fund method
Funds are chosen by a published method that ignores what a fund pays us, reviewed every year.
- 02
Hold first
Our default is to stop, redirect and hold. If selling costs tax or exit load, you see the number first.
- 03
Basics before products
Emergency fund and insurance come first, even though we earn nothing from them.
- 04
TruValue every year
What you paid us, next to what we did. If it doesn't add up, we fix our service.
Truth first. Then trust.
Get your free TruCheck. Leave your details and a member of our founding team will reach out within one working day to set it up. Nothing to buy.