A Product by SOS Markets

Investing on autopilot. Without the autopilot deciding.

Sthira runs your SIPs, watches your portfolio for drift, and asks before it rebalances. The LLM explains what's happening. It never places a trade for you.

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Goal-based SIPs · Drift rebalancing · SEBI-conscious · No LLM trading

Built like a fiduciary, not a casino

2: Automation tiers; SIPs + drift rebalancing
0: LLM-initiated trades; by design, not by accident
100%: Human approval; every money-moving action
8: Investor safeguards; KYC → suitability → consent → audit

How Sthira works

Eight pieces that turn "I should invest" into "I am invested, and I know why."

Goal-based SIPs

planning

SIPs that survive a short balance and a missed Monday

• Define SIPs against goals ("house down payment 2031"), not just funds
• Auto-debit with skip-on-insufficient-balance semantics
• Calendar-aware — never schedules on a holiday or non-settlement day

Drift Rebalancing

execution

Pre-authorized, bounded rebalancing — never a surprise

• You set drift thresholds (e.g., rebalance when allocation moves past 5%)
• Pre-authorize the bounds once; Sthira never crosses them without re-consent
• Tax-aware — prefers idle cash and new SIPs before triggering taxable sales

Broker Connect

execution

Your broker, your money — Sthira just orchestrates

• Groww integration live; more brokers in the pipeline
• Daily OAuth approval pattern is surfaced clearly — no silent token expiry
• Tokens stored encrypted at rest, scoped to the minimum required permissions

Risk Profile & Suitability

compliance

A real conversation about what you can actually stomach

• SEBI Investment Advisor-aligned questionnaire, plain language
• Captures both stated risk preference and observed risk capacity
• Recommendations always show the matched risk profile + why

SEBI Consent & Audit

compliance

Every approval captured, every action traceable

• Granular consent — per-action, per-bound, per-instrument
• Re-consent triggered automatically when bounds need to change
• Immutable audit log of every recommendation, approval, and order

Holdings & P&L

visibility

Your portfolio in plain English, not jargon

• Progress shown against goals in rupees, not just percentages
• Realized vs unrealized gains split out clearly
• Expense ratio drag surfaced in actual rupees per year

Alerts & Approvals

visibility

Push notifications that ask, not just announce

• Every order gets a one-screen explanation + Approve / Reject
• SIP failure alerts surface the reason, not just the failure
• Drift threshold breach gets a push within minutes, not at end-of-day

LLM Explainer

intelligence

Ask anything. Get an answer. Get no trades.

• Ask why your portfolio drifted, what an expense ratio is, anything
• The model has read-only access to your portfolio state
• It cannot, by architecture, originate an order

Investing, not trading: Sthira is built for the long game. No leverage, no F&O nudges, no "watchlist gone red" doom scrolling. SIPs and rebalancing — that's it.
The LLM is a teacher, not a trader: Ask why your portfolio drifted. Ask what an expense ratio is. Ask how the rebalancing math works. The LLM answers. It does not click "buy."
Pre-authorized, not surprise-charged: Every rebalance is bounded by limits you set up front. You approve the plan once. The plan respects it forever. No upsells, no nudges to "boost return."
Your broker, not ours: Sthira connects to your existing broker account (Groww first, more coming). We don't custody your money. We orchestrate it.
Audit trail by default: Every recommendation, every approval, every order — recorded with its reasoning. Your CA, your spouse, and your future self can all reconstruct what happened and why.
Built for the layman: No "alpha." No "beta." No "max drawdown." The screens say "this is the goal," "this is what's happening," "this is what changed." That's it.

Pricing

Flat fee. No commissions. Soon.

Sthira is in closed pilot, finishing SEBI advisor onboarding. Pricing publishes here once the regulator path is closed. For early access, join the waitlist.

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From the studio

How we build Sthira

All engineering posts ↗

Retail

Why we don't let the LLM trade for you

The full argument: fiduciary duty, SEBI lines, layman audience, what automation actually buys you when the model isn't pulling the trigger.

Read on sosservices.online →

Engineering

Multi-tenant RLS at studio scale

How a single Postgres holds Sthira, Logic Nexus, and Aviation AI Pro without data ever bleeding across products.