NoCapFiduciary
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Fee-only · Fiduciary

Financial security
for young India.

As a fiduciary, we are legally bound to put you first. We earn only when you pay us, never from hidden kickbacks or commissions.

Securing your financial journey from day one to forever..

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Sketch of a five-storey building — Marriage, Children, Home, Travel, Retirement — resting on four labeled pillars: Insurance, Savings, Emergency Funds, Pension. Base reads 'Built on strong financial security.'

The products we advise on, and why.

Protect the downside. Build the upside.

Two pillars of financial security. Pillar one — when tough times come, a safety net: Term Life Insurance, Health Super Top-up, Emergency Fund, Pension & Retirement (NPS), Employee Provident Fund (EPF). Pillar two — for life goals, long-term low-cost low-risk investing: Government Saving Schemes (PPF, SSY, NSC), Index Funds (Indian & Global), ELSS tax-saving mutual funds, Gold & Silver ETFs, Debt Instruments (Govt. and Corporate Bonds).

Live life on your terms.

The approach

When advice is free, you are the product.

The old waySketch of commission-driven agents whispering advice while holding commission cards behind a client.

Commission Agents / Online Platforms

  • · Recommendations follow the biggest commission 
  • · Sales targets over your financial goals
THE NEW WAYSketch of a fee-only advisor receiving a small fee from a client, with a sign reading 'No commissions. No sales targets.'

Fee-only fiduciary

  • · Zero commissions from Insurers, AMCs or brokers
  • · You pay a small, transparent fee, and only you

Where the money actually flows

One is paid by you.
The other is paid by insurers.

How an advisor gets paid quietly decides what they recommend. Not a claim of dishonesty, a structural fact about incentives.

The commission modelPaid by insurers
Commission model: you pay premium to intermediaries (Policybazaar, Ditto, banks, agents) who earn commission from insurance providers. The more you buy, the bigger their commission.
The NoCap fiduciary modelPaid by you
NoCap Fiduciary model: you pay a small fee directly to NoCap, get unbiased advice, and buy the policy directly from the insurer. No commission flows from insurers to NoCap.

Scenario-by-scenario

How the two models play out in real life.

You don't need a policy at all, or just need smaller cover

NoCap

We say so!  basis your real need.

Other platforms

Mostly persuade you to buy, and to buy a bigger cover (fear-first pitch).

The price you actually pay

NoCap

Lowest for same product (often ~15% low) as you purchase directly without any commission intermediary via Insurer Site, Bima Sugam (Govt. Portal)

Other platforms

Sold through their own channel, not optimised to be your cheapest route.

Which insurer you end up with

NoCap

Whichever fits you, full stop.

Other platforms

Recommendations can lean toward insurers with stronger partnerships.

Beyond insurance: NPS, EPF, PPF, Bonds, Index Funds

NoCap

Recommended whenever they're genuinely better for you.

Other platforms

No commission on these; you may just get sold ULIPs and private retirement plans instead.

No CommissionsNo Sales targetsNo Product pushing

Just what's right for you.

See the truth about your money.

Cut through the noise. Get the facts about your finances.

Insurance Screener

Meta Search across platforms  + Insurer performance insights

Screen policies

Life Score

How protected is your family, really? Get the score.

Get my score

Policy Fact-check

Upload a policy. See the commission your agent pocketed.

Audit my policy

Hidden Money

Find forgotten EPF, card policies and pensions in your name.

Find it

AI-native advisory

AI first. Human whenever you want.

An AI with no sales targets and no memory limits. 
A SEBI-registered human, one tap away. 

Talk to the AIprivate · always on
Sketch of a person having a calm, private conversation with an AI orb across a small table.

  • No judgment on the awkward stuff

    Ask what you'd never ask a person, about income, family, health and get a straight answer.

  • Say 'this feels too expensive'

    No sales pressure on other side. You can push back honestly and get a cheaper, better option.

  • Actually private

    No agent, no RM in the middle. Your money story stays yours.  

  • There at 1am & remembers everything

    Premium due tomorrow? Answer now, not Monday, 10 to 6.  You never have to re-explain.

Three ways forward

Three ways to think about your money.

 Pick who you want paying us.

Path 01

The Old Way

₹0

The product pays, not you

Free advice, commissions embedded into what you buy. 

  • We get paid commission like others by Insurers, AMCs and Brokers
  • No fee,  biased incentives by design
Stay default
Start here

Path 02

Protection

₹1,000

EVERY YEAR | ₹2,000 FOR 1ST YEAR

Fee-only cover so a bad times doesn't wreck your family. Free Intro Call, NoCap

  • Current policy's review
  • Term Life & Health super top-up 
  • NPS · EPF · Portfolio review
Let's Talk

Path 03

Comprehensive Way

₹2,000

EVERY YEAR | ₹4,000 FOR 1ST YEAR

Everything in Protection + Long Term Investing. Free Intro Call

  • Full protection included
  • Index Funds, Bonds, PPF, SSY, NSC
  • · Employer Cover
  • Ongoing reviews as life changes
Let's Talk