What Elderswealth does

EldersWealth is a privately held, Bangalore-based financial advisory and wealth management firm that targets senior citizens and near-retirees in India. Founded and led by KS Raghunandan (IIM Calcutta alumnus, ex-Managing Director for India & SAARC at CISCO Services, senior leadership at IBM), the firm offers an integrated platform covering retirement planning, mutual fund distribution, bonds, corporate fixed deposits, alternative investment funds, portfolio management services (discretionary, non-discretionary, and advisory), insurance solutions, tax planning, estate planning and will writing, and real estate/mortgage advisory. The firm's core differentiator is the cross-vertical pairing with sister company EldersIndia, which extends the offering into home healthcare (nursing, physiotherapy, dental care, lab sample collection, vaccinations, counselling), recreational services (tours, club memberships), and a social-connect platform — positioning EldersWealth as a holistic wealth-health-time provider for the "golden years."

The business operates three revenue streams: professional-services fees for financial planning and advisory, affiliate/referral commissions via Investment Associates (registered distributors earning transaction revenue share) and Referral Partners (fixed-fee referrers), and managed-services fees on Portfolio Management Services. GTM is consultative and sales-led (free initial consultations, customized quote-based engagements) with a community-led overlay that funnels prospects from EldersIndia's senior ecosystem. Distribution is exclusively domestic, concentrated in Karnataka through a single Sanjaynagar, Bangalore headquarters, with multi-role client/advisor/employee/branch/admin login portal (tharsha.elderswealth.com) servicing ongoing relationships. No app, public API, AI/ML capability, funding round, M&A activity, or enterprise customer logo is disclosed.

The technology footprint is operational rather than differentiated: a WordPress-based marketing site, blog content spanning estate planning, retirement, and wealth management categories, financial calculators, downloadable forms, and a portfolio login portal. Marketing is content-led (blog, calculators, downloadable forms) supplemented by a WhatsApp enquiry channel. No proprietary features, patents, trademarks, certifications, or compliance credentials are disclosed. The business is founder-owned with no parent company, no disclosed institutional investors, and no recorded regulatory actions, restructuring, or leadership transitions beyond the founding team.

Name

Elderswealth

Legal name

EldersWealth

Website

https://elderswealth.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

EldersWealth is a Bangalore-based financial advisory firm offering retirement planning, wealth management, estate planning, and investment distribution services to senior citizens in India, with allied healthcare and recreational services via sister company EldersIndia.

Ownership category

akta.pro rank

Product category

Retirement and Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Insurance and Employee Benefit Funds (5251), Services for the Elderly and Persons with Disabilities (62412)

SIC

Investment Advice (6282), Services-Management Consulting Services (8742), Finance Services (6199)

akta.pro primary industry

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Retirement planning services
• Wealth management advisory
• Estate planning services
• Investment advisory services
• Senior financial planning

Headquarters

HQ city

Bangalore

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Financial Advisory and Planning Fees: Fees charged for comprehensive financial planning solutions including retirement planning, estate planning, tax planning, and investment advisory services. The company provides personalized financial plans and ongoing portfolio management.
2. Referral and Revenue Sharing: Revenue sharing model for Investment Associates (registered distributors) based on transaction revenue and AUM brought in. Referral Partners earn fixed one-time fees for each successful client referral. This creates a channel partner revenue stream.
3. Portfolio Management Services (PMS): Customized portfolio management services where the company creates and manages portfolios of securities (stocks, bonds, fixed income, cash, structured products) for individual investors. Three service types: discretionary (full decision-making), non-discretionary (investment suggestions only), and advisory.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

EldersWealth provides comprehensive financial planning and wealth management services tailored for senior citizens and near-retirees. The firm distributes a range of investment products including mutual funds, bonds, corporate FDs, alternative investment funds, and portfolio management services, alongside advisory offerings in retirement planning, tax planning, estate planning/will writing, and insurance solutions. A referral program allows Investment Associates and Referral Partners to channel clients into the firm.

Product overview

EldersWealth is a senior-citizen-focused financial services platform offering a unified portfolio of financial planning and wealth management solutions. The core platform combines six integrated service lines: Financial Planning Solutions (advisory covering analysis, debt counselling, insurance, investments, and tax planning), Investment Products (Mutual Funds, Bonds, Corporate FDs, Alternative Investment Funds, and Portfolio Management Service), Retirement Planning & Solutions, Insurance Solutions, Estate Planning/Will Writing, and Real Estate/Mortgage Services. The platform differentiates through strategic partnerships with multiple well-established service providers and a sister company (EldersIndia) delivering holistic elder care that includes Healthcare, Recreational Services, and Social Connect—creating a comprehensive ecosystem addressing the trinity of wealth, health, and time for retirees and near-retirees.

Differentiator

Problem solved

Functional benefit

Brands

• EldersIndia: Sister company offering healthcare and recreational services for seniors including doctor consultation, nursing care, dental care, vaccination, lab services, counseling, customized tours, and social connect platform.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• EldersIndiacoreStrategic or Co-development PartnerSister company offering comprehensive elder care services including home healthcare (nursing, physiotherapy, doctor on call), dental care, vaccinations, lab sample collection, counseling, recreational services (tours, club memberships), social connect platform, and home security solutions. EldersIndia is presented as an integrated part of EldersWealth's holistic offering for senior citizens, extending services beyond wealth management to include healthcare and lifestyle needs.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Zerodha (Coin): India's largest discount broker with the Coin mutual fund platform and smallcase offerings for retail investors. Comparable as a dominant Indian investment distribution incumbent competing for the same retail savings and retirement rupees, though with a fundamentally different low-touch, low-fee model.
• Groww: One of India's largest retail investment platforms offering mutual funds, stocks, ETFs, and digital wealth products. Comparable as a broad Indian investment platform serving similar retail/pre-retirement customers, though it operates at significantly larger scale and is more execution-focused than advisory.
• ICICI Securities: Large Indian brokerage and wealth advisory offering retail PMS, mutual fund distribution, and retirement planning across the ICICI ecosystem. Comparable as an incumbent Indian wealth manager with PMS capabilities and retirement-focused advisory, though operating at vastly greater scale and regulatory infrastructure.

Direct peers

• Scripbox: Indian goal-based investment and financial planning platform that offers curated mutual fund portfolios and personalized advisory. Comparable as a retail-focused Indian wealth manager with an advisor layer, retirement-relevant tools, and a similar philosophy of guiding consumers rather than pure execution.
• Kuvera: India-based mutual fund and wealth advisory platform offering direct mutual funds, tax harvesting, and financial planning tools to retail investors. Closely comparable as a digital-first Indian wealth advisor targeting mass-affluent and pre-retirement segments with similar product breadth (MFs, FDs, PMS-style guidance).
• WealthDesk: India-focused wealth management platform offering curated portfolios and pre-built model portfolios for retail investors. Comparable as a tech-enabled Indian PMS and investment advisory platform serving the same affluent and pre-retirement customer base.
• Dezerv: India-based managed wealth platform offering curated portfolio management and investment advisory to HNI and affluent clients. Comparable as an Indian PMS and investment advisory player with similar focus on personalized portfolios and ongoing advisory relationships.
• ClearTax: India-based tax-filing and financial planning platform that has expanded into wealth management and investment products. Comparable as a multi-product Indian advisory platform covering tax planning, mutual funds, and retirement solutions targeting retail consumers.

Others

• Ashiana Housing: Indian real estate developer focused on senior living communities and retirement homes. Comparable as a sector-adjacent player in the Indian elder-care ecosystem, sharing the same demographic thesis but operating in residential real estate rather than financial services.

Emerging players

• Siply: India-based micro-savings and investment app targeted at informal-sector and lower-income users. Comparable thematically as an emerging Indian platform building structured savings habits, though positioned in a lower-income segment than EldersWealth's senior-focused proposition.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/elderswealth

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Elderswealth