Quick Summary
AssetNivesh is a portfolio intelligence platform run by Vivek Gupta, a SEBI registered investment adviser, INA000020554, valid from 11 July 2025 and listed as perpetual. It charges ₹12,000 a year, with a ₹6,000 refund if you cancel within six months. It discloses one complaint, resolved, but its monthly table shows “Month 1” to “Month 12” instead of dates. We found no SEBI order against the adviser as of 21 October 2026, which is not a clean certificate.
Imagine an investor who is tired of checking five apps to see where her money sits.
A platform that promises one dashboard, model portfolios and a monthly review for a modest yearly fee sounds like relief.
This blog looks at Vivek Gupta AssetNivesh through the firm’s own disclosures and public records.
We cover the registration, the pricing, the AI claims, and the complaint tables with the sums done again, then turn the gaps into questions you can ask in writing.
What Is AssetNivesh and What Does Vivek Gupta Offer?
AssetNivesh presents itself as an investment portfolio intelligence platform.
It is operated by Vivek Gupta, who holds the investment adviser registration in his own name.
The website says it offers portfolio tracking, performance monitoring, diversification analysis, asset allocation insights, and goal tracking.
It also lists model portfolios, stock valuation tools, and mutual fund recommendation tools.
The Adviser’s Background
The website describes Vivek Gupta as the founder and investment adviser.
It mentions CFA charterholder status, an M.Tech from IIT Delhi, and over 25 years of experience, including time at IBM, TCS, and Cognizant.
Those are the firm’s own descriptions. Ask for the certificates if the credentials matter to your decision.
What The Platform Lists
The services read like a toolbox, and each item can be tested against your own needs. Here is how the research groups them.
|
Area |
What the website says it includes |
|
Portfolio tracking |
Dashboard, holdings, performance, diversification, sector and asset attribution |
|
Model portfolios |
Pre-built allocations based on risk profiles |
|
Stock analysis |
Valuation using discounted cash flow and price-to-book models, plus technical analysis |
| Mutual funds |
Category-wise selection tools and fund analysis |
| Planning tools |
SIP and step-up SIP calculators, SWP, cost analysis and rent versus buy |
| Global investing |
GIFT City investments, UDRs, feeder funds and direct equity |
|
Support and education |
Monthly review, semi-annual rebalancing, premium blogs, videos and concierge support |
Some planning features are marked as early access. That means they may still be changing, so ask which ones are live before you pay.
Fee-only and No Commissions
The website says the focus is fee-only advice with no commissions.
Under SEBI rules, advisers charge the client a fee and do not earn commissions on the products they advise.
So the claim describes how the rules already work.
What you can test is whether any related person earns from a product you are advised to buy.
The Corporate Name on the Page
The website lists Vivek Gupta as the registered individual adviser, and it separately mentions Joie Capital Research Private Limited in the corporate identity field.
The SEBI listing in the research shows only Vivek Gupta.
We could not tell how the company relates to the registration.
Ask in writing who your agreement is with and which name should appear on your payment receipt.
Is Vivek Gupta AssetNivesh 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 INA000020554. The INA prefix marks an investment adviser, unlike INH for a research analyst or INP for a portfolio manager.
- Registered name is Vivek Gupta. AssetNivesh is the platform brand.
- Validity runs from 11 July 2025 and is listed as perpetual. That makes the registration about fifteen months old, so there is little history to judge.
- Address is Flat 65, RPS, Sheikh Sarai Phase I, New Delhi 110017, which is also the correspondence address. The listing shows a personal email address on a general email service and a Delhi phone number.
Check it yourself in minutes
You can verify the registration in a few minutes. A SEBI registered IA detector 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.
What Are Vivek Gupta AssetNivesh Fees and Refund Policy?
Unlike many advisers, AssetNivesh shows its price.
The research records an annual subscription of ₹12,000, which works out to ₹1,000 a month, payable upfront by UPI.
That is far below SEBI’s cap of ₹1,51,000 per client per family per year in the fixed fee mode. So the fee level raises no cap question.
|
Item |
What the website says |
|
Annual subscription |
₹12,000 per year |
|
Monthly equivalent |
₹1,000 per month, payable upfront |
| Refund |
₹6,000 if cancelled before six months |
| Payment method |
UPI |
| Portfolio review |
Monthly, discussed by prior appointment |
|
Rebalancing |
Semi annual, if required |
Reading the Refund Term
A ₹6,000 refund is half of ₹12,000, and it applies only if you cancel before six months. After six months, the research shows no refund.
Ask whether the refund is calculated on the day you cancel or is a flat half.
Ask how GST is treated, since the research does not show it.
What The Money Buys
Monthly reviews by appointment and semi-annual rebalancing are modest, and a fee of ₹1,000 a month reflects that.
Ask how long a review lasts and how many you can book.
Ask also whether the rebalancing advice is delivered in writing. A written record protects you if there is a disagreement later.
Before You Pay
Take these four steps first, since each costs nothing.
- Ask for the full fee, with GST shown on a separate line.
- Ask how the refund is calculated and when it is paid.
- Ask what happens to your data if you cancel.
- Ask for the agreement and the Most Important Terms and Conditions before payment.
The agreement should be signed before any advice is given or any fee is paid. Keep a copy of both.
Vivek Gupta Complaints: What Do They Reveal About AssetNivesh?
The firm publishes three complaint tables. We read all three and added the totals ourselves.
The Summary Table
The first table shows one complaint received directly from an investor, and one resolved, with nothing pending.
Complaints through SEBI’s online system and other sources are all zero.
The research could not tell which month this table covers.
The website says it updates complaint data by the 7th of each month, yet the table carries no date.
The Monthly Trend Table
The second table uses labels from “Month 1” to “Month 12” and not calendar months. Here it is in short form.
|
Period |
Received | Resolved | Pending at end |
|
Months 1 to 8 |
0 | 0 | 0 |
|
Month 9 |
1 | 1 |
0 |
| Months 10 to 12 | 0 | 0 |
0 |
| Total across twelve months | 1 | 1 |
0 |
Every row works, and the total of one received and one resolved matches the other tables.
Why the Labels Matter
Without dates, you cannot tell when the complaint arrived or how recent the data is.
You also cannot check the 7th of the month update the website promises.
The registration began in July 2025, so twelve months could run from late 2025 into 2026.
Ask the adviser to replace the labels with actual months.
The Summary And The Trend Do Not Line Up
The summary shows one complaint received and resolved in its period.
The trend table shows no complaint in Month 12, the last row.
So the summary either covers a different month, or it shows a running figure. Ask the adviser which one it is.
The Annual Table
The annual table shows only 2026 27, with one complaint received and resolved.
That year began in April 2026, so the complaint appears to fall after that date.
There is no row for FY 2025 26, which would cover July 2025 to March 2026.
A zero row would be reassuring, and an absent one leaves a gap. Ask for it.
The Resolution Time
The summary shows an average resolution time of zero days for the resolved complaint.
That may mean it was closed the same day, or that the time was not recorded.
Ask what the complaint was about and how fast it was closed.
A specific answer shows the adviser tracks his own cases.
How To Read The Record?
One resolved complaint in a young registration is a small number, and it does not by itself suggest a pattern.
It does tell you the adviser has already handled a grievance.
The research reads it as a complaint recorded in the initial period of operations.
We would add that a single closed case says little about satisfaction.
A search of SEBI’s public records found no SEBI order against Vivek Gupta or AssetNivesh as of 21 October 2026.
That is not a clean certificate, because orders can be published later and our search was limited.
Paid for a subscription and not getting the reviews you were promised?
Our team reads your agreement and payment proof, drafts a written grievance to the adviser, and takes it to the right SEBI channel if the reply falls short. Register with us for a free consultation.
AI Powered Analysis and What To Ask About It?
The website promotes AI-powered portfolio analysis and says its agentic AI turns analytics into context-aware guidance.
It also mentions portfolio data import through the RBI-regulated Account Aggregator framework.
These are modern tools, and many investors will like them. The questions are about how much the AI decides and who checks it.
Who Reviews the Output
Ask the adviser to explain how far AI is used in producing advice, and how a person reviews its output before it reaches you.
A clear answer should describe a real process.
The research notes that SEBI’s investment adviser rules expect disclosure about the extent of AI use in advice.
Please confirm the exact requirement on SEBI’s website, since we have not checked the wording.
Your Data
Importing holdings through an aggregator means sharing sensitive financial data. Ask where it is stored and who can see it.
Ask also what happens to the data if you cancel.
The privacy policy is the right place for these answers, which brings up the next point.
The Links That Did Not Open
The research found that the links to the terms and conditions, the privacy policy, and the contact page did not lead anywhere.
That may be a temporary website fault.
Check them again yourself. If they still do not open, ask the adviser to send the documents by email before you pay.
Also Read: Vivekam Financial Services shows claims like “good returns” on its website while real reviews mention heavy losses on recommendations and poor support.
What Promotional Language Does AssetNivesh Use on the Website?
The research notes phrases such as “Clarity for every investment decision”, “Better decisions” and “confident investing”.
They are promotional and do not promise returns.
Still, tools do not make outcomes certain. A dashboard shows where you stand, and it cannot control markets.
No Assured Returns
SEBI does not allow advisers to promise or assure returns.
The website itself says registration does not guarantee performance, which is a fair statement.
If anyone connected with the firm ever guarantees an outcome, keep that message and treat it as a serious concern.
Questions to Ask Vivek Gupta Before You Pay
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. Which entity is my adviser?
Ask how Joie Capital Research Private Limited relates to the registration, and whose name goes on the receipt.
2. Which months do the tables cover?
Ask for calendar months in place of “Month 1” to “Month 12”, and a row for FY 2025 26.
3. What was the complaint?
Ask what it concerned, how it was closed, and what changed afterwards.
4. How does the refund work?
Ask how the ₹6,000 is worked out, how GST is treated, and when the money returns.
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.
Vivek Gupta AssetNivesh Contact Details and Grievance Channels
The SEBI listing gives a phone number and email for Vivek Gupta, who is also the contact person.
The website mentions grievance-related contact details, though the contact link did not open in the research.
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 his side. We could not independently confirm the relationship between the registration and Joie Capital Research Private Limited, the month the complaint tables cover, the subject of the reported complaint, GST treatment, the working of the policy links, the exact SEBI wording on AI disclosure, or the content of any agreement beyond what the research showed.
Conclusion
Vivek Gupta holds a recent SEBI registration, publishes a clear yearly price, and reports one complaint that was resolved.
The harder parts are the unlabeled months, the missing FY 2025 26 row, and the policy links that did not open.
Before you pay, ask which entity is your adviser, which months the tables cover, what the complaint was, and how the refund works. 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 him 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
AssetNivesh is run by Vivek Gupta, listed as an investment adviser under INA000020554, valid from 11 July 2025 and perpetual. Confirm the details on SEBI's website before you pay.
The research records ₹12,000 a year, or ₹1,000 a month payable upfront by UPI, with a ₹6,000 refund if you cancel before six months. Ask how GST is treated.
It reports one complaint received directly from an investor and resolved, shown under FY 2026 27. The monthly table uses "Month 1" to "Month 12" labels, so the exact month is unclear.
The website promotes AI powered portfolio analysis. Ask the adviser how far AI shapes the advice and how a person reviews it before it reaches you, and request the answer in writing.
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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