Quick Summary
Money Vs Me is the brand of Vinny Arora, a SEBI registered investment adviser, INA100016327, valid from 26 October 2021 and listed as perpetual. The firm discloses one complaint, received and resolved in June 2025 in 21 days. Monthly data stops at June 2026, history before 2024 is absent, and no fees are shown. We found no SEBI order against the adviser as of 21 October 2026, which is not a clean certificate.
Picture a woman in her thirties who wants a proper financial plan and finds a website that speaks about women, NRIs, and goals.
The language is warm, the promise is fee-only advice, and the first question in her mind is whether she can trust it.
This blog looks at Vinny Arora Money Vs Me through the firm’s own disclosures and public records.
We cover the registration, the services, the complaint tables with the sums done again, and the gaps worth questioning, so you know what to ask before any payment.
What Is Money Vs Me and What Does Vinny Arora Offer?
Money Vs Me is a proprietary brand operated by Vinny Arora, who holds the investment adviser registration in her own name.
The website describes the practice as fee-only and focused on unbiased, research-driven advice.
Because this is a proprietorship, the adviser and the business are the same legal person.
That is common among individual advisers, and it makes your agreement and payment details even more important.
The Services On The Website
The website describes three services, and each one targets a different kind of client. Here is how the research lists them.
|
Service |
What the website says it includes |
|
Financial plans for women |
Risk assessment, existing portfolio review, women-specific investment strategy, insurance planning, goal-based planning, income and expense analysis, and emergency planning |
| Comprehensive financial advisory |
Investment planning across equities, debt, gold and AIFs, portfolio review, tax planning, retirement planning and goal-based planning |
| Financial planning for NRIs |
Portfolio, insurance and tax review, strategy across equity, debt, gold and AIFs, goal-based planning and asset allocation |
These are the firm’s own descriptions. We have not tested the quality of any plan.
The Six-Step process
The website says its process runs through risk assessment, portfolio analysis, goal and risk alignment, in-house research, a customised financial plan and periodic reviews.
It lists salaried professionals, the self-employed, retirees, NRIs, high net worth individuals and small businesses as its clients.
A defined process is a good sign.
Ask how often the periodic reviews happen and whether they cost extra.
Transparency and Privacy Claims
The website says it values transparency, client confidentiality, data privacy and regulatory compliance.
Those are fine words, and you can test them with simple questions.
Ask where your documents are stored, who can see them and how long they are kept.
A confident adviser will answer in writing.
The firm is also on Facebook, Instagram, Twitter and LinkedIn, according to its website.
Social profiles can help you judge how the adviser communicates, though they are not a record of results.
Is Vinny Arora Money Vs Me SEBI Registered?
The research shows the adviser is listed as registered. Each point below is what the listing shows, and you should confirm it yourself before relying on this page.
- Registration number is INA100016327. The INA prefix marks an investment adviser, unlike INH for a research analyst or INP for a portfolio manager.
- Registered name is Vinny Arora, shown as proprietor of Money Vs Me. The brand is the trade name, and the person holds the licence.
- Validity runs from 26 October 2021 and is listed as perpetual. That makes the registration about five years old.
- Address is BF 27, First Floor, Janakpuri, New Delhi 110058, which is also the correspondence address. The listing shows a personal email address and a Delhi phone number.
What The Email Tells You
The listing email is a general public email service and not a domain tied to the brand.
That is not unusual for a sole proprietor, and it is not a concern by itself.
It does mean you should confirm every document and payment instruction with the adviser by a second channel.
If someone claiming to be from the firm messages you from another address, check before you reply.
Check it yourself in minutes
You can verify the registration in a few minutes. A SEBI registered IA checker lets you enter INA200000316, compare the name, category, and validity, and see the status for yourself.
A SEBI registration check online on the regulator’s own pages does the same job. Do it before you pay, and save a dated screenshot.
Registration shows that a firm may give investment advice. It does not describe the quality of advice or the fee.
Vinny Arora Complaints: What Do Records Reveal About Money vs Me?
The firm publishes a monthly table and an annual table. We read both and added the totals ourselves.
The Monthly Table
The monthly table covers June 2025 to June 2026, which is thirteen months. Here it is in short form.
|
Period |
Received | Resolved | Pending at end |
|
June 2025 |
1 | 1 | 0 |
| July 2025 to June 2026 (twelve months) | 0 | 0 |
0 |
| Total across thirteen months | 1 | 1 |
0 |
The single complaint was received and resolved in June 2025.
The table shows an average resolution time of 21 days for that month, and nothing was pending for more than three months.
The Annual Table
The annual table splits the same record by financial year. It runs from April to March, so June 2025 falls in FY 2025 26.
|
Financial year |
Carried forward | Received | Resolved | Pending at year end |
|
2024 25 |
0 | 0 | 0 | 0 |
| 2025 26 | 0 | 1 | 1 |
0 |
| Grand total | 0 | 1 | 1 |
0 |
The monthly and annual tables agree.
Carried forward plus received, less resolved, gives the pending figure in every row, and the grand total is real here because there is only one non-zero year.
Also Read: Vivekam Financial Services reports four resolved complaints, but its pricing details remain incomplete and some early complaint records are missing.
Is One Complaint A Concern?
One complaint in thirteen months is a small number, and it was closed.
The research doc reads this as complaints having started to arise, and we would put it more calmly.
A single closed complaint tells you the firm has handled at least one grievance.
It does not tell you what the complaint was about or whether the client was satisfied.
Ask the adviser what the complaint concerned and what she changed afterwards. A good answer is specific and dated.
The Data Stops At June 2026
The latest monthly figure is June 2026, almost four months before this blog.
SEBI expects advisers to update complaint data by the 7th of each month, so figures up to September 2026 should have appeared by 7 October.
The page may have been updated since our research.
Check it again, and ask the adviser for the current record.
The Missing Early Years
The registration dates start in October 2021, and the tables begin only with FY 2024 25 and, by month, June 2025.
Nothing is shown for FY 2021 22, FY 2022 23 or FY 2023 24.
Complaint history is useful because it shows how a firm behaves over time.
An early gap makes a clean-looking record harder to read.
The research doc says SEBI requires advisers to show the history for all years of registration.
We would not state the rule that firmly, so treat it as a question for the adviser. Ask why the earlier years are not published and for the figures.
A search of SEBI’s public records found no SEBI order against Vinny Arora as of 21 October 2026.
That is not a clean certificate, because orders can be published later and our search was limited.
Not sure whether a thin complaint record is enough to trust an adviser?
Our team reads the disclosures with you, checks them against SEBI records, and prepares a written grievance if money has already moved and something went wrong. Register with us for a free consultation.
What Is Vinny Arora Money Vs Me Advisory Fees and Pricing?
The website describes three services but does not disclose fees or pricing plans.
A visitor has to contact the adviser to learn the cost of each one.
That makes it hard to compare Money Vs Me with other advisers before you speak to anyone.
Price is usually the first thing people want to know.
SEBI allows fees in a fixed fee mode and in an assets under advice mode, each with its own limit.
In the fixed fee mode, the cap is ₹1,51,000 per client per family per year.
A Worked Example
Suppose a quote arrives as ₹1,78,180. That equals the ₹1,51,000 cap plus 18 percent GST, so it would not by itself cross the cap, though the GST treatment should be confirmed in writing.
This is only a worked example and not the adviser’s price.
It shows why the base fee and GST should appear on separate lines.
Before You Pay
Take these four steps first, since each costs nothing.
- Ask for the fee for your chosen service in rupees and the period it covers.
- Ask for GST as a separate line.
- Ask whether periodic reviews and implementation help are included.
- Ask for the refund terms if you stop midway.
The agreement and the Most Important Terms and Conditions should be signed before any advice is given, or any fee is paid. Keep a copy of both.
What Promotional Claims Are There on The Money Vs Me Website?
The research notes phrases such as “catalyze your capital growth” and “accelerate your progress toward core life goals”.
These are promotional, and they set a hopeful tone.
They are not guarantees, and nothing in the research shows a promise of returns.
Still, advice rarely moves capital along a smooth line.
What To Look For
Healthy advice talks about risk as often as it talks about growth.
It explains how your risk profile was worked out and what a poor year could look like.
Ask the adviser to show how a bad market would affect your plan. A clear answer is worth more than an upbeat slogan.
No Assured Returns
SEBI does not allow advisers to promise or assure returns.
If anyone connected with the firm ever guarantees an outcome, keep that message and treat it as a serious concern.
Also Read: Asset Nivesh charges ₹12,000 annually, but its complaint tables use unlabeled months, and some website policy links did not open during the review.
Financial Planning for Women and NRIs
Two of the three services are aimed at specific groups.
That can be useful, because the needs of a working woman or an overseas Indian differ from those of a typical investor.
For NRIs, the tax and account rules are a real area of risk.
Ask who handles the tax side and whether the adviser works with a qualified tax professional.
Questions Specific To Women
A plan for women usually covers career breaks, joint accounts, insurance, and independence in decisions.
Ask how the plan treats these in your case, and whether the work is a templated report or built from your numbers.
Questions Specific To NRIs
Ask how the plan treats residency status, repatriation and the tax position in your country. Ask for any assumptions in writing.
Alternatives Such As AIFs
The services mention investing across equities, debt, gold and AIFs.
AIFs carry high minimum amounts and their own risks.
Ask whether the adviser or any related person earns anything from the products she names.
Advisers are expected to disclose such conflicts.
Questions to Ask Vinny Arora Before You Pay Anything
The gaps above can be turned into a short list.
Send these by email so you have a written reply, and wait for the answers before any money moves.
1. What is the fee, with GST?
Ask for the base fee, the GST, the period covered, and the refund terms.
2. What was the June 2025 complaint?
Ask what it concerned, how it was closed, and what changed afterwards.
3. Where are the later months?
Ask for the complaint figures after June 2026.
4. Where are the earlier years?
Ask for figures for FY 2021 22 to FY 2023 24, since the registration dates from October 2021.
5. How are disputes settled?
Ask whether the agreement sends disputes to arbitration. Reading about arbitration in share market cases first helps you judge what such a clause would mean for you.
How To File A Complaint Against Vinny Arora Money Vs Me?
The SEBI listing gives a phone number and email for Vinny Arora, who is also the contact person.
In a one-person practice, there is no separate grievance team, so your first message goes to the adviser herself.
Start with the adviser by email so you have a written trail.
State your name, payment reference, the issue, and the outcome you want in a reasonable time.
A dated email is stronger than a phone call. Save the reply, and note when you sent each message.
If the adviser does not reply or you disagree with the answer, the regulator’s online system is the usual next step.
The page on the SCORES SEBI complaint route covers what to attach and how a case moves after you file.
Keep every reply you get on that system, since they matter if the case has to go further.
For a payment disagreement that stays open, there is another route.
The SMART ODR portal brings in a neutral conciliator to go through your papers with you, so keep receipts and replies together.
If you ever need to raise a case about advice, the guide on a SEBI complaint against investment advisor shows how such cases usually run.
It helps to know that before you commit money.
Disclaimer
This blog is based on the firm’s published disclosures and publicly available SEBI records as of 21 October 2026. It does not allege wrongdoing, and the adviser is welcome to share her side. We could not independently confirm fee levels, the subject of the reported complaint, the complaint position after June 2026, the history before 2024, or the content of any agreement beyond what the research showed.
Conclusion
Vinny Arora holds a long-standing SEBI registration, and the one complaint in her tables was closed in 21 days.
The harder parts are the missing fee details, the data that stops in June 2026, and the early years that are not shown.
Before you pay, ask for the fee with GST, what the June 2025 complaint was about, the later figures, and the earlier years.
Keep every answer in writing.
Check the registration yourself and match the payment account to the registered name.
If the adviser answers openly and quickly, you have a better basis to decide.
If a dispute arises later, write to her first and then use the escalation routes in order.
Keep your receipts, emails and screenshots in one folder.
Report. Recover. Stay Fraud Free.
Frequently Asked Questions
Money Vs Me is the brand of Vinny Arora, listed as an investment adviser under INA100016327, valid from 26 October 2021 and perpetual. Confirm the details on SEBI's website before you pay.
The firm reports one complaint, received and resolved in June 2025 with a 21 day resolution time. The monthly data runs from June 2025 to June 2026 and shows nothing pending.
The website content we reviewed does not show fees or pricing plans for its three services. Ask for the fee in rupees, GST and the refund terms in writing before you pay.
We could not tell. The registration dates from October 2021, but the tables begin with FY 2024 25. Ask the adviser to share the figures for the earlier years.
Write to the adviser first and keep the reply. If it falls short, a complaint can go through SEBI's online system or the dispute resolution portal, and our guides cover those routes.
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