Built for the layman. Bounded by the regulator.

Sthira is a retail investment platform built by SOS Services under its markets vertical (SOS Markets). The Sanskrit word sthira means steady, stable — which is the opposite of how most Indian retail trading apps feel.

The problem

Trading apps optimize for engagement: the red ticker, the streak counter, the "stock you missed" notification. They make money when you place orders. So the product nudges you to place orders.

That works for a small slice of users. It actively harms most of them. The CFA Institute's own retail-investor studies are unambiguous: high-frequency retail trading underperforms a flat index fund, after costs, by a lot.

What we built

• Goal-based SIPs with auto-debit and skip-on-failure semantics — the boring, proven mechanism that actually compounds.
• Drift-based rebalancing, pre-authorized within limits you set. The system can rebalance from 60/40 back to 70/30, but it cannot move you to 90/10 without an explicit re-consent.
• Connects to your broker — Groww first, more in the pipeline. We do not custody your money. We orchestrate it.
• An LLM that explains. Ask why your portfolio drifted, what an expense ratio is, why we rebalanced. The model answers. It does not click "buy."

What we explicitly do not do

• No leverage. No F&O. No intra-day.
• No commissions on transactions. No "premium signals" subscription.
• No LLM-discretionary trading. The model never originates an order.
• No upsells inside the rebalancing flow.

Where it stands

Sthira's engineering is built. The retail-investment platform is in closed pilot — KYC, broker connectors, SIP scheduling, drift detection, rebalancing engine, consent capture, and audit trail are all operational. The remaining gate is SEBI advisor onboarding, which is a process measured in months, not days.

Who we are

Sthira is built by SOS Services, a small venture studio focused on operator-grade software for Indian + global markets. See the studio at sosservices.online.