With Aroha Capital Investment Advisers, you partner with a ‘skin-in-the-game’ investment advisory. We help you understand your financial position, guide you through investment decisions, and help you realize your financial goals.



  • Lack of fiduciary intent and conflicts of interest in advice
  • High transaction costs and commissions
  • Tax inefficiency


  • Fiduciary standard
  • Skin in the game
  • Process driven (goal-based and risk-based)

Investment Philosophy

Portfolio Creation

  • Tailor made for client’s unique needs
  • Low churn and tax efficient
  • Simple and low cost
  • Fees only after High Watermarking


At Aroha, the starting point is the Investment Policy Statement. Here we  articulate a framework of how your investments should be structured such that your financial goals are met in harmony with your appetite and ability for financial risk.

After this, you can either choose a Single Investment Advice Mandate or a Comprehensive Financial Advice Mandate.


Focus on your unique needs

We lay emphasis on a client’s unique situation and ensure low transaction costs.

Partner with a SEBI-Registered Investment Adviser

We are a SEBI-regulated entity; our processes are designed to put our clients’ interests above ours; we follow fiduciary standards in everything we do.

Avail a Skin-in-the-Game Partner

We eat our own cooking and have structured our incentives such that we get rewarded AND pinched based on your portfolio outcomes.


Aroha Capital Investment Advisors is a fee-only, SEBI-registered Investment Adviser (registration no.: INA200000175). Incorporated on 11 February 2013, the firm is headquartered in Bengaluru. Aroha currently holds INR 35 cr under advice.


Vivek Pai, CFA

Managing Director and Principal Officer
  • Self taught finance professional investing in capital markets since 1999
  • Founded Aroha Capital in 2013, sensing the market need for an unbiased, skin-in-the-game, risk-based advisory
  • Chartered Financial Analyst, CFA Institute