Quick Summary
90-10 Financial Planners Pvt Ltd is a SEBI registered non individual Investment Adviser under registration number INA200008291, based in Bengaluru. It operates a fee-only model, charging based on assets under management and the financial plan drawn up, not commissions or profit-sharing. Mr. Kunapareddy Karthik is the firm’s SEBI designated Principal Officer, the correct contact point for a formal grievance. The firm publishes a complaints disclosure page, though a full numeric breakdown could not be independently confirmed at the time of this review. This guide covers the registration, fee model, and how to file a complaint if your experience did not match what was promised.
90-10 Financial Planners operates as a SEBI registered, fee-only Investment Adviser out of Bengaluru, founded by Sathish Padakannaya.
Before engaging any adviser with your finances, knowing exactly who is accountable for your grievance, and what the firm’s own disclosures actually show, matters more than the marketing pitch.
This guide walks through the registration, the fee structure, and what to do if a concern with the firm goes unresolved.
Is 90-10 Financial Planners Pvt Ltd SEBI Registered?
Yes. 90-10 Financial Planners Pvt Ltd holds SEBI Investment Adviser registration number INA200008291, a non individual registration, and is a member of BASL under membership ID 1418.
The firm is incorporated as 90-10 Financial Planners Private Limited, CIN U65991KA2012PTC066016, registered in Bengaluru, Karnataka.
Sathish Padakannaya is the firm’s founder and Chief Strategist, and is also listed as a company director.
For grievance purposes specifically, the SEBI designated Principal Officer is Mr. Kunapareddy Karthik, who is the person legally accountable for how the firm handles your complaint.
The firm also holds an AMFI Mutual Fund Distributor registration under ARN 105050, in addition to its Investment Adviser registration.
This confirms 90-10 operates within SEBI’s regulatory framework, but registration alone does not tell you how the firm actually handles client money or grievances, which the sections below cover.
What Does 90-10 Financial Planners Charge?
90-10 Financial Planners Pvt Ltd describes itself as fee-only, meaning it earns money exclusively from client fees rather than commissions on products it recommends.
Per its own disclosures, the firm charges based on assets under management and the financial plan it draws up for each client, with no hidden compensation arrangements.
Its services span investment planning, insurance planning, tax planning, and retirement planning, delivered through a documented onboarding process and periodic portfolio reviews.
A fee-only structure is generally considered lower conflict than commission based models, since the adviser’s income does not depend on which product gets recommended, though investors should still confirm the exact fee percentage and billing cycle in writing before signing on.
Does 90-10 Financial Planners Publish Its Complaint Data?
SEBI requires every registered Investment Adviser to publish a complaint disclosure covering complaints carried forward, received, resolved, and pending, in a standard yearly format.
90-10 Financial Planners’ own disclosure page shows a clean five-year record. From 2020-21 through 2023-24, the firm reports zero complaints across the board. In 2024-25, exactly one complaint was received and resolved, with zero pending.
Trend of Annual Disposal of Complaints
| Year | Carried Forward | Received | Resolved | Pending |
|---|---|---|---|---|
| 2020-21 | 0 | 0 | 0 | 0 |
| 2021-22 | 0 | 0 | 0 | 0 |
| 2022-23 | 0 | 0 | 0 | 0 |
| 2023-24 | 0 | 0 | 0 | 0 |
| 2024-25 | 0 | 1* | 1 | 0 |
| Grand Total | 0 | 1 | 1 | 0 |
That one complaint carries a footnote worth reading directly: the firm states it was a wrongful complaint from an individual who was not their client, and that it was addressed with a reply on the SCORES platform.
The grand total across five full years stands at one complaint received, one resolved, zero pending, and the firm’s own footnote explains that the single entry wasn’t even from an actual client.
This is a materially stronger disclosure than several other firms reviewed in this project. There’s no ambiguity here, no outdated data, no numbers that don’t reconcile. The table is complete, dated, and internally consistent.
How to File a Complaint Against 90-10 Financial Planners Pvt Ltd?
Knowing you have grounds is one part of it. Knowing exactly how to file, in the right order, is what actually produces a result.
Start by collecting your service agreement, fee receipts, written communication, and a clear timeline of what happened. This is what every later stage depends on.
Raise your concern in writing with the firm’s Compliance Officer first, and keep a copy of your submission along with any response you receive.
If that doesn’t resolve the matter, escalation runs through a defined set of formal channels.
- Our complete guide on SEBI registered investment advisor complaint covers the full process specific to firms registered as Investment Advisers.
- File formally through the SEBI SCORES complaint, citing registration number INA200008291 and attaching your documentation.
- If SCORES doesn’t bring resolution, SMART ODR portal is the next stage, SEBI’s online conciliation and mediation platform for securities market disputes.
- If mediation still doesn’t resolve things, arbitration in stock exchange is the final, binding stage, producing a decision that’s legally enforceable.
Not sure whether your 90-10 Financial Planners fee or advisory experience matches what SEBI requires?
We review your service agreement, fee structure, and communication history to identify exactly where the process broke down, then help you build a complaint SEBI will actually act on.
Conclusion
90-10 Financial Planners Pvt Ltd is a genuine SEBI-registered, fee-only Investment Adviser under registration number INA200008291, led by founder Sathish Padakannaya with Kunapareddy Karthik as the SEBI designated Principal Officer.
Its fee-only model and published complaints page put it ahead of many firms on transparency, though the exact complaint numbers could not be confirmed in this review and are worth verifying directly before you commit.
Confirm the fee structure in writing, know that Kunapareddy Karthik is your grievance contact, and use the SCORES and SMART ODR route if a concern goes unresolved.
Report. Recover. Stay Fraud Free.
Frequently Asked Questions
Mr. Kunapareddy Karthik is the SEBI designated Principal Officer, the person legally accountable for the firm's advisory conduct and the correct contact point for a formal grievance.
No. The firm describes itself as fee-only, charging based on assets under management and the financial plan drawn up, with no compensation tied to trading profits or returns.
The firm maintains a complaints disclosure page with at least one documented entry. A full numeric breakdown was not independently confirmable at the time of this review, so verify current figures directly with the firm.
Yes. In addition to its SEBI Investment Adviser registration, the firm holds an AMFI Mutual Fund Distributor registration under ARN 105050.
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