Elphinstone, Inc.

Elphinstone is a Robo-advisory platform focused on providing software-based financial planning and VPS-based corporate retirement plans. It operates in Pakistan and offers services to both individual users and corporate clients, emphasizing low fees and automated asset-based pricing.

The platform provides SmartRupee, a software-based financial planning tool that delivers investment guidance. It supports VPS-based corporate retirement plans for employers, handling onboarding, fund selection through asset managers, and optimization of fees based on assets under management (AUM). Pricing is tiered by employee assets under management, with fees decreasing as AUM increases, and VPS assets are the primary basis for fees (employee non-retirement investments counted toward tiering).

Who it’s for: Corporate employers in Pakistan seeking a VPS-based retirement plan for their employees and individual investors seeking robo-advisory financial planning in Pakistan.

Pricing page presence; mentions of corporate VPS implementation and onboarding services; regulatory disclosures and affiliations imply active operations