Explicit Finance

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About Explicit

The Advisor Behind Your Clarity

Fee-only. Commission-free. Built on trust — not sales targets.

  • SEBI Registered
  • BSE BASL Member
  • Certified Financial Planner
  • Fee only model
  • Mis-Selling Free Zone
kowsika devi
My Aim

"To deliver impartial financial advice that brings you clarity in all your financial matters."

Hello, I'm Kowsika Devi

I am a SEBI Registered Investment Advisor, Certified Financial Planner (CFP®), and an ex-banker. I founded Explicit Finance in 2025 and chose SEBI RIA over banking because this is the only profession that is 100% client-centric — completely free from sales pitch, commission, and mis-selling.

I have no boss to appreciate when I sell a product that yields more commission — even if it doesn’t suit you. So what I do is simple: I work only for my clients, their goals, and their dreams.

I charge a fixed fee to deliver a customised financial plan with one year of ongoing support, and I recommend only the products that truly suit you — nothing else.

– Kowsika Devi, CFP®

As a SEBI RIA

What I Do & What I Don't

Complete transparency on the scope of my advisory — so there are no surprises.

What I Do

  • Review your existing insurance policies and investments to identify gaps and misalignments.
  • Prepare and present a comprehensive financial plan based entirely on your goals.
  • Recommend asset classes based on your personal risk profile and financial situation.
  • Provide ongoing support for one full year after the plan is delivered.
  • Conduct half-yearly reviews to adapt your plan to life changes and market conditions.

What I Don't Do

  • No guaranteed returns or trading calls — I never make unrealistic promises.
  • No direct stock tips or recommendations on specific individual stocks.
  • No tax filing services — this is outside the scope of investment advisory.
  • No commission-based product selling — my fee is fixed and fully disclosed upfront.
  • No generic template plans — every plan is built specifically around your life.
FAQ

Your Questions, Answered

Honest answers to what most people ask before getting started.

Does planning my finances actually help me?

In short, yes. In long, yes. If you know what your goals are and have a plan to get there, you are already ahead of 98% of people. A proper financial plan and financial literacy ensures you don’t fall into EMI traps, lifestyle traps, quick-money schemes, or stock tips.

Go through the website to understand the services I offer. If it feels like what you need, book a free 15-minute discovery call with me to know more and sign up for financial planning services.

After signing the contract and completing the KYC, you make the fee payment. After that, you share your financial details and complete the risk profiling exercise.

The complete SOP is detailed in the Services & Fees section. In brief: Discovery Call → Sign Up → Contract & KYC → Share Financial Details & Risk Profiling → Plan Delivered → Half-Yearly Review.

You don’t need to submit any physical documents to me. You can fill in all your financial details yourself in a secure spreadsheet I share with you — simple, private, and at your own pace.

Turning Chaos into Clarity

Book your free 30-minute discovery call. No obligation. No sales pitch. Just honest advice.

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