AI CRM for mutual fund distributors and insurance advisors
Stay close to every client, especially when markets fall.
Bullsera keeps every client's goals, risk profile and holdings in one place, flags with AI which clients need a call and why, keeps SIPs and policy renewals on track, records suitability and consent for every recommendation, and shows the health of your practice.
30-day trial covers up to 200 clients.
Practice chart · client book value · dailyPractice
Azamgarh Wealth Partners
AMFI-registered distributor + insurance advisor · 1,180 clients
AI Client Review Assistant
for the advisor214
portfolios down 5%+
38
goals within 3 years
12
asked about stopping SIPs
- 38 near-goal clients have higher concern. Call them first.
- Share the firm's prepared market note with the 12 who messaged.
Rakesh · near-goal calls
0 / 38- Sunita Yadav
- Mohd. Arif
- Rekha Srivastava
- Vinod Patel
- Shabnam Khan
- Ajay Tiwari
38 called in 4 days · notes logged · 2 rebalanced to safer funds after suitability check
SIP Desk
29 / 31
SIPs renewed this month
Policy Desk
41 / 44
renewals · reminders sent
Compliance Vault
- Risk profiles on file
- KYC on file
- Advice notes on file
for every recommendation
Six months later
96% of SIPs still running · client goals on track
Who uses Bullsera
Built around how Indian advisory practices actually run.
Mutual fund distributors
AMFI-registered distributors with an ARN, managing SIP books from a few hundred to several thousand clients.
Insurance advisors and POSPs
Agents and POSPs tracking term, health and motor renewals, premiums and claims for every family.
Small wealth practices
Practices that offer both mutual funds and insurance, from metros to district towns.
Planning firms and RMs
Financial-planning firms where several relationship managers share one client book.
Client Book
Every client, every family member, every goal in one book.
Client Book replaces the register, the Excel sheet and the WhatsApp search. Each household sits on one card with its members, goals, risk profile, KYC status, nominee details and the full history of your conversations.
Household view
Group spouses, parents and children under one family. See combined holdings and every member's goals without switching records.
Goals with dates
Record goals such as a daughter's college fees in 2029 or retirement at 58, with target amount and the holdings mapped to each goal.
Risk profile on the card
The latest risk profile, its date and the questionnaire answers sit on the client card, with a reminder when it is due for review.
KYC and nominee status
KYC validated, on hold or pending, plus FATCA and nomination status for each folio, so incomplete records surface before a transaction fails.
Client Book
1,180 clients · 412 households
Yadav family
4 members · College fees 2029
ModerateKYC ValidatedRajesh Singh
2 members · Retirement 2034
AggressiveKYC ValidatedFatima Ansari
3 members · Home down payment 2027
ConservativeKYC PendingMishra family
5 members · Wedding 2028
ModerateKYC ValidatedAnil Gupta
1 member · Retirement 2031
ModerateKYC On hold
Household
Yadav family
Sunita Yadav
Primary · Moderate
Ramesh Yadav
Spouse · Moderate
Priya Yadav
Daughter · Minor
Priya's college fees
₹11.5 L of ₹18 L · 2029
Portfolio View
Mutual funds, insurance and other holdings in one view.
Portfolio View pulls mutual fund holdings from RTA statements and policies from insurer records, then adds fixed deposits, bonds and other assets you track manually. You see what each family owns, how it is allocated and how it maps to their goals.
RTA and insurer imports
Import CAMS and KFintech statements and insurer policy files. Folios, units, NAV and transactions are reconciled to the right client.
All asset types
Mutual funds, term and endowment policies, health cover, fixed deposits, bonds, PPF and NPS shown together with current value.
Allocation against risk profile
Equity, debt and hybrid allocation is compared with the client's risk profile, so drift is visible before a review meeting.
Goal mapping
Tag holdings to goals and see the gap between current value and target, with the years left to reach it.
Yadav family · Portfolio
Valued at previous business day NAV
Current value
₹18,46,320
XIRR 10.4% since 2017
- Equity 58%
- Debt 27%
- Hybrid 9%
- Other 6%
Flexi Cap Fund · Regular
₹6,42,180
+11.2%
Large & Mid Cap Fund · Regular
₹3,98,400
+9.8%
Corporate Bond Fund · Regular
₹3,10,950
+7.1%
Term Plan · ₹1 Cr cover
₹14,200/yr
Active
Family Floater Health · ₹10 L
₹22,840/yr
Renewal 12 Dec
AI Client Review Assistant
Know who to call first when the market wobbles.
The AI Client Review Assistant reads your book every morning. It flags clients whose goals are near, whose portfolios have fallen, whose SIPs failed or who sent worried messages, and puts them in a call list with the reason next to each name. It does not recommend funds.
Near-goal clients first
Clients with goals inside three years and a falling portfolio are ranked at the top, because their concern is most valid.
Drawdown flags
See which clients are down five percent or more from their recent peak, grouped by goal horizon and risk profile.
Worried messages
Messages that mention stopping a SIP or redeeming are picked up from your logged conversations and added to the list.
Failed instalments
Clients with a bounced SIP or lapsed mandate are flagged with the bank reason, so the call has a clear purpose.
AI Client Review Assistant
Morning review · 07:30
214
down 5% or more
38
goals within 3 years
12
asked about stopping SIPs
- Call
Sunita Yadav
Goal in 2027 · portfolio down 8.1% · asked about stopping SIP
- Call
Mohd. Arif
Retirement in 2028 · down 6.4% · no call in 74 days
- Call
Kavita Rai
SIP failed twice · mandate expired
- Call
Deepak Maurya
Down 7.2% · risk profile due for review
SIP Desk
Keep every SIP running through good months and bad.
SIP Desk tracks every systematic plan in your book: SIPs, STPs and SWPs, their mandates, end dates and instalment status. Renewals due this month, failed instalments and paused plans appear on one screen with the client and the reason.
Renewals ahead of time
SIPs ending in the next 30, 60 and 90 days are listed with the client, amount and scheme, so renewal is a planned call.
Failed instalments
Bounced instalments are shown with the bank reason, such as insufficient balance or mandate expired, and the count of misses in a row.
STP and SWP tracking
Transfers and withdrawals are tracked with source, target and remaining tenure, including SWPs that fund a retired client's monthly needs.
Mandate status
Bank mandates with their limits and expiry, so a new SIP is not set up against a mandate about to lapse.
SIP Desk · November
1,642 active SIPs · ₹48.6 L monthly
Kavita Rai
Failed · insufficient balance₹5,000 · Flexi Cap
Imran Siddiqui
Renewal due 12 Nov₹10,000 · Large Cap
Neha Pandey
Pause requested · review call₹3,000 · ELSS
Suresh Chauhan
Monthly SWP · 41 left₹25,000 SWP · Hybrid
Policy Desk
Premiums, renewals and claims, without a single missed date.
Policy Desk keeps term, health, motor and life policies for every family in one register. Premium due dates, grace periods, renewal reminders and claim support notes are tracked per policy, so cover never lapses because a date slipped.
Premium calendar
Premiums due this week, this month and in the grace period, with insurer, policy number, mode and amount.
Renewal reminders
Send renewal reminders to clients from a ready template and record that the reminder went out.
Health and term cover
Track sum insured, members covered, waiting periods and riders, so cover gaps are visible at review time.
Claims support log
Record claim intimation, documents submitted and insurer follow-ups, and keep the family informed at each step.
Policy Desk · Renewals
44 due this month · ₹9.8 L premium
41
Renewed
2
In grace period
1
Reminder sent
Family Floater Health · ₹10 L
Yadav family · due 12 Dec
Reminder sentTerm Plan · ₹1 Cr
Rajesh Singh · due 18 Nov
RenewedSenior Citizen Health · ₹5 L
Mohd. Arif · grace ends 21 Nov
Call todayMotor Comprehensive
Fatima Ansari · due 30 Nov
Renewed
Compliance Vault
A record for every recommendation, ready before anyone asks.
Compliance Vault keeps risk profiles, KYC documents, suitability notes and client consents together, linked to each recommendation you make. When an auditor, an AMC or a client asks why a fund or policy was suggested, the answer is already on file.
Risk profiles with history
Every risk profile is versioned with date and answers, so you can show the profile that applied when advice was given.
Suitability notes
Record why a product suits the client's goal, horizon and risk profile, attached to the transaction it supports.
Consents on record
Client consent for each recommendation is captured with timestamp and channel, whether in a meeting, on a call or by message.
Audit trail
Every change to a client record is logged with who made it and when. Entries cannot be edited after the fact.
Compliance Vault · Sunita Yadav
Recommendation of 14 Oct 2026
Risk profile
Moderate · v3 · 02 Apr 2026
KYC
Validated · documents on file
Suitability note
Goal in 2027; move 20% of equity to short duration debt to reduce volatility near goal
Client consent
Given on call · 14 Oct 2026, 11:42
Audit trail
14 Oct · 11:48
Rakesh S. recorded rebalance after suitability check
14 Oct · 11:42
Consent captured on call
14 Oct · 11:30
Call logged · 12 min · market note discussed
14 Oct · 09:05
AI flag: goal in 2027, portfolio down 8.1%
Practice Reports
See the health of your practice, not only the market.
Practice Reports shows AUM, monthly SIP book, insurance renewals, commissions and client activity across your practice and for each advisor. The numbers come from the same records your team works in every day.
AUM over time
Assets under management by month, by asset class and by advisor, with net inflows separated from market movement.
SIP book
Monthly SIP amount, new registrations, cancellations and continuation rate across the practice.
Renewal performance
Insurance renewals due, renewed and lapsed, with the premium value for each month.
Commission view
Trail and upfront commission by AMC and insurer, reconciled against your brokerage statements.
Practice Reports
April 2026 to March 2027 · all advisors
AUM
₹86.4 Cr
Monthly SIP book
₹48.6 L
Renewal rate
93%
Clients not contacted 90d
47
Rakesh S.
412 clients · 96% reviewed
Pooja T.
388 clients · 91% reviewed
Aman K.
380 clients · 88% reviewed
Good morning
Sunita Yadav
Family portfolio
₹18,46,320
Priya's college fees · 2029
Client app
Your clients see their goals, not just their NAVs.
The client app shows each family their portfolio, the progress of every goal, the next SIP date and the next policy renewal, all under your practice. When markets fall, they see the goal line first, with the market note you chose to share.
- Family portfolio valued daily
- Goal progress with target year
- Upcoming SIPs and premium dates
- Statements shared by the advisor
Lines we never cross
Practice software, held to an advisor's standard.
Never recommends securities
Bullsera organises your practice. Recommendations are yours, within your registration.
Never promises returns
Returns are shown from actual transactions. No projections are presented as guarantees.
Never acts without the advisor
The AI flags clients. It does not message them, place orders or decide anything.
Never sells client data
Client financial data is encrypted and used only to run your practice.
Read how the AI works on the AI Client Review Assistant page.
Setup
From spreadsheet to first morning review in four days.
Day 1
Import your book
Upload client lists and CAMS or KFintech files. Families and folios are matched by PAN.
Day 2
Complete profiles
Add goals and risk profiles. Each client card shows what is missing.
Day 3
Add policies
Bring in insurer schedules so renewals and premiums sit beside SIPs.
Day 4
First morning review
The AI Client Review Assistant builds your first call list with reasons.
Does Bullsera give investment advice?
No. Bullsera organises your practice. Recommendations are yours, made within your AMFI, SEBI or IRDAI registration.
Does the AI recommend funds?
No. It flags clients who need attention, such as those near a goal with a falling portfolio, and explains why. What to recommend is your decision.
Does Bullsera promise returns?
Never. Returns are calculated from actual transactions and shown as they are. Market messages are factual and never use guaranteed-return language.
Can clients see their portfolios?
Yes. On the 10 Years plan, clients get an app that shows their family portfolio, goals, upcoming SIPs and policy renewals.
How long does setup take?
Most practices import their client list and RTA files on the first day and see their first AI review within the first week. The team at Advisor Desk helps with the import.
Can I try it before paying?
Yes. The 30-day trial covers up to 200 clients with Client Book, Portfolio View and SIP Desk.