Everything we get asked, answered in one place

OptumFlex is an India-based white-label software platform for SEBI-registered Research Analysts and Investment Advisers, built by OptumFlex Solutions Pvt. Ltd. It runs the whole practice under your own brand and domain: onboarding with PAN checked against the KRA record, the signed MITC, payments into your own gateway account, research calls delivered only to entitled clients on your portal, WhatsApp, Telegram and email, model portfolios, reports on request, courses, webinars and a CRM.

SEBI-registered Research Analysts, from individual analysts to corporate desks with a team, and Investment Advisers. More than 55 RA businesses run their practice on it.

It costs ₹499 a month for the whole platform, with no setup or joining fee. Staff logins are ₹500 a month each, and a published share of what your clients pay applies. Every rate is on the pricing page, with a calculator for your own numbers.

Your clients use your client portal, on your own domain and built mobile-first, so it works on any phone with nothing to download from an app store. Calls also reach them on your WhatsApp number, your Telegram channel and email.

The client portal runs on your domain, and the agreement, invoices, emails and messages carry your name. OptumFlex stays in the background as the technology underneath.

No software can do that; compliance stays with the registered analyst. OptumFlex makes the required steps hard to skip and easy to evidence: identity checked against the KRA record, the MITC read and signed with a certificate, the fee cap checked before payment, and every call and delivery on the record.

About three hours for a standard setup, once your credentials for the payment gateway, KRA, WhatsApp and domain are ready.

It covers the whole practice in one system rather than one part of it: onboarding, delivery of calls to exactly the clients who paid, model portfolios, reports, courses, webinars and a CRM, under your brand, with client money going straight to your own account and every rate published.

Three things. One: ₹499 every month for the platform. Two: ₹500 a month for each staff login you switch on. Three: a small share when a client pays you — 5% to 9% on research calls and research reports, and 9% on model portfolios. Courses, webinars and extra services cost money only if you use them. GST at 18% is added to what you pay us.

No. There is no setup or joining fee. You pay the ₹499 monthly platform fee, and the other charges on this page only when you use them.

Everything you need to run your research business: your own branded website and app for clients, client sign-up with PAN and KYC checks, agreements signed online, research calls, model portfolios, research reports, payments with GST invoices, WhatsApp, Telegram and email, a leads list, a dashboard for every client, staff logins with a record of their work, and compliance tools. Set it up at your own pace and start adding clients when you feel ready.

Only ₹499 a month for the platform, plus GST, and ₹500 a month for each staff login you switch on. Our share is taken only when a client pays you, so with no paying clients there is no share to pay.

Usually in about 3 hours, once all your details are ready.

No. Your current rates stay as they are. The research share step-down applies to you too: if your research sales earn a lower share, it comes down for you as well.

Our support team is available Monday to Friday, 9 am to 6 pm. It is closed on festival holidays, as per the NSE holiday calendar.

The part of your client's payment that OptumFlex takes for running the platform. Example: a client pays you ₹1,000 and our share is 9%. We take ₹90 and you keep ₹910.

The smallest amount we take on one sale. On a cheap plan the percentage can be very small, so we take the minimum instead. We always take whichever of the two is more.

The amount of research sales in one month that you need to go above to get a lower share. For 8% the line is ₹1,87,500 of sales in a month.

Your OptumFlex balance. You add money to it, and our charges are taken from it.

One person watching a webinar for one hour. 10 people watching for 2 hours is 20 attendee-hours. People who register but do not join use nothing.

How far below zero your wallet can go before your own OptumFlex screens are paused. For a new account it is ₹5,000.

Goods and Services Tax. 18% is added to our charges. The prices on this page do not include it.

A separate login for a person who works with you, such as an analyst or a support person.

A set of stocks you choose and look after. Your clients pay to follow it.

Your clients buy a pack of credits and use them to ask you for reports on the stocks they choose.

When your client's payment is approved. It is taken once, from your OptumFlex wallet.

Once, on the full amount, when the payment is approved. The minimum grows with the length of the plan. Example: a 90-day research plan for ₹3,000. 9% of it is ₹270. The minimum is ₹75 for every 30 days, so ₹225 for 90 days. We take whichever is more: ₹270.

Without. We work out our share on your base price before GST, and then add our GST on our share. Example: your client pays ₹1,000 + ₹180 GST. At 9%, our share is ₹90 (9% of ₹1,000), plus GST of ₹16.20, so ₹106.20 is taken from your wallet. If you do not charge GST, your full price is the base.

No. The share is worked out on what your client actually paid, after the discount.

Always 9% of what the client pays, or the minimum — whichever is more. The minimum is ₹99 on each payment, and ₹99 for every 30 days on longer plans. This rate does not step down.

The full minimum still applies to each payment: at least ₹75 (₹99 for model portfolios), or our share if that is more. Example: a 7-day research plan for ₹499 — 9% is ₹44.91, so we take ₹75.

At the end of every month we add up what your clients paid you for research calls and research reports in that month, before GST and after refunds. If it is above ₹1,87,500, your share becomes 8%. If it is above ₹3,57,143, your share becomes 7%. If it is above ₹6,66,667, your share becomes 6%. If it is above ₹10,20,000, your share becomes 5%. The new share starts on the 1st of the next month.

Because the line for 8% is ₹1,87,500 of research sales in a month, and ₹1,60,000 is below it. The lines are set so that our share at the lower rate is still more than a fixed amount: at 8%, ₹1,60,000 of sales gives ₹12,800, which is less than ₹15,000. The fixed amounts are ₹15,000 for 8%, ₹25,000 for 7%, ₹40,000 for 6%, ₹51,000 for 5%.

No. You have to go above the line. ₹1,87,500 exactly stays at 9%. ₹1,87,501 moves you to 8%.

Yes. If your research sales in one month are above ₹10,20,000, your share becomes 5% from the 1st of the next month. 5% is the lowest.

Only research calls and research reports. Model portfolios, courses and webinars do not count, and their rates do not step down.

Yes. Money you refund to your clients is taken off your sales before we check the lines.

Only slowly, and only one step at a time. A lower share stays as long as your monthly research sales stay above the line that earned it. If they are below that line for 3 months in a row, your share goes up by one step — for example from 5% to 6%. It takes another 3 months below the new line to move again. A strong month brings you straight back down.

No. One slow month changes nothing. Your share goes up by one step only after 3 months in a row below the line for your current share.

August: research sales ₹11,00,000. That is above ₹10,20,000, so your share is 5% from 1 September. September: ₹10,00,000. Below the 5% line — 1 month. October: ₹4,00,000. Below — 2 months. November: ₹0. Below — 3 months in a row, so your share goes up one step, to 6%, from 1 December. December: ₹7,00,000. That is above the 6% line of ₹6,66,667, so 6% stays and the count starts again.

On a low-priced plan the percentage can be very small, so we take a minimum instead — whichever is more. On most plans the percentage is more, and the minimum does not matter.

A 30-day research plan sold for ₹500. 9% of ₹500 is ₹45. The minimum is ₹75, so we take ₹75.

Research call plans: at least ₹75 on each payment, and ₹75 for every 30 days on longer plans. Model portfolio plans: at least ₹99 on each payment, and ₹99 for every 30 days on longer plans. Course packages you sell: at least ₹75 on each payment, and ₹75 for every 30 days on longer plans. Webinar packages you sell: at least ₹75 on each payment, and ₹75 for every 30 days on longer plans. Research report packs: ₹75 for each pack sold.

Yes. The minimum is the same at every rate. Example: at 7%, a ₹999 report pack gives ₹69.93, which is less than ₹75, so we take ₹75.

Through your OptumFlex wallet. Add money to it from your dashboard. The platform fee, staff logins, our share and extra services are all taken from it.

Yes. Each time you add money to your wallet, the minimum is ₹500 plus 18% GST, so ₹590 in all.

In your wallet history, inside your OptumFlex dashboard. Every charge is listed there.

Charges still go through, and your balance can go below zero up to your credit limit (₹5,000 for a new account). If it goes past that limit, your own OptumFlex screens are paused. Your clients are not affected: they keep everything they have paid for. Add money so your balance is above ₹0, and your screens open again by themselves.

Your data stays with us. If you come back later, you start from where you left. If you want your data deleted, we can do that on special approval, subject to conditions.

Yes, but only when you close your account. It is done separately, offline, on special approval.

Yes. OptumFlex can end its service to an account by giving 3 months' notice. At the end of the notice period, access to OptumFlex is closed everywhere.

₹500 a month for each login, plus GST. It is charged when you switch the login on, and again every 30 days while it stays on.

No. Your own login is part of the ₹499 platform fee.

If you switch it off on the same day you switched it on, the charge comes back to your wallet. After that day, the 30 days already paid are not refunded, but no new charge is taken.

2 × ₹500 = ₹1,000 a month, plus GST, on top of the platform fee.

You can ask for it when you make the refund. We return our share in the same proportion as your refund, but we keep a processing fee of ₹99 + GST on each payment. If the amount to return comes to less than ₹99, nothing is returned.

Yes. Refunds are taken off your research sales before we check the lines.

Yes. The Free course plan costs ₹0 a month and we take 9% of each course sale. Paid plans take a smaller share, down to 3% on Enterprise at ₹7,499 a month.

If you sell a little, Free costs least. As your course sales grow, a paid plan costs less in total because our share is smaller. Example: with ₹1,00,000 of course sales in a month, Free costs you ₹9,000, but the Pro plan costs ₹7,499 in total. The calculator on this page picks the cheapest plan for you.

Yes. You can move to a bigger plan at any time. You pay only the difference for the days left, and your renewal date stays the same.

5 GB on Free and 20 GB on every paid plan. Extra storage is ₹3 per GB a month.

Yes. Course plans last 30 days and renew until you cancel.

Yes. ₹0 a month, 5 GB of storage, and we take 9% of what you sell. No card, no expiry, no trial clock. Below roughly ₹50,000 a month of course sales it is genuinely your cheapest option, and we would rather tell you that than sell you a plan you do not need.

The lesson. A lesson with a video and a workbook costs one credit for both.

Yes. Upgrading is pro-rata — you pay only the difference for the days left in the period. Downgrading costs nothing and applies from the next period.

You are billed ₹3 per GB per month on the overage. It never blocks an upload — going over costs money, it does not stop you working.

One device streams at a time by default, and every frame carries a watermark. We will not tell you content can be made uncopyable, because it cannot be.

Each webinar plan is ₹999 a month and includes a number of attendee-hours. One person watching for one hour is 1 attendee-hour. People who register but do not join cost you nothing.

Interactive includes 250 attendee-hours a month — for example 5 one-hour sessions with 50 people each. Broadcast includes 20,000 attendee-hours a month — for example 20 one-hour sessions with 1,000 people each.

Your first 3 months cost ₹499 a month instead of ₹999. The 3 months (90 days) are counted from the day you first take a webinar plan. From month 4 the price is ₹999 a month.

No. The offer counts from your first-ever webinar plan, so stopping and coming back does not start it again. If you come back while some of the first 90 days are still left, you pay the offer price for those days.

A live webinar is never stopped. The extra attendee-hours are billed after it ends: ₹10 for each extra attendee-hour on Interactive; ₹1 for each extra attendee-hour on Broadcast.

2 sessions a month with 100 people for 1 hour each is 200 attendee-hours. That fits inside the 250 attendee-hours of Interactive, so you pay only the plan: ₹499 a month in the first 3 months, then ₹999, plus GST. With 300 attendee-hours you would also pay for 50 extra hours: ₹500.

It depends on how you sell it. A free webinar for leads: nothing. A seat sold to anyone, without an account: 2.5% of the seat price, at least ₹5 a seat. A webinar package bought by your signed-up client: 9% of the payment, or at least ₹75 (₹75 for every 30 days), whichever is more.

Yes. The switch works straight away, and your renewal date does not change.

No. Webinar plan charges are not refunded.

If the room is three hundred people or fewer and the month fits inside 250 attendee-hours, Interactive. Otherwise Broadcast. Answer how many people, for how long, how often, and the console names the plan — there is no arithmetic to do.

One person watching for one hour. A hundred people for one hour is a hundred attendee-hours. It is counted on time actually watched, so a no-show costs nothing.

It gets expensive, and we would rather you never found out that way. Four three-hundred-person webinars is 1,200 attendee-hours: on Broadcast that is covered; on Interactive it is not. Big one-way audience, use Broadcast.

Yes. They pay, they get a pass for that session, and the GST invoice is raised and sent automatically. No account is created for them.

They become leads — verified, on the list you already work, with a follow-up date. What happens next is your sales process, not a promise we can make for you.

No, and that is worth being straight about: a plan is a real gate. Running a free webinar for leads adds no share, but it does need a plan.

Only extra services you choose to use: messages, AI help and extra storage. Each has a price on this page, and you pay only for what you use. Your payment gateway's own fees are between you and your gateway, because clients pay you through your own account.

Your own number is your WhatsApp Business number connected to OptumFlex. The OptumFlex number is ours. Normal messages cost ₹0.05 each on your own number and ₹0.99 on the OptumFlex number. Premium marketing messages cost ₹0.50 on your own number and ₹1.50 on the OptumFlex number. Example: 1,000 normal messages cost ₹50 on your own number and ₹990 on the OptumFlex number.

No. You pay only for messages accepted for delivery. If a message fails, the money comes back to your wallet.

₹9 for each AI summary of a strategy report, ₹9 for each AI summary of a model portfolio, ₹5 for each Write with AI draft for WhatsApp, and ₹15 for each AI-designed email or change to it. You check everything before it is sent.

₹3 for each extra GB, every month. Example: 10 extra GB cost ₹30 a month.

No. Every price on this page is before GST. GST at 18% is added to what you pay OptumFlex. Example: the ₹499 platform fee is ₹588.82 with GST.

Your sales are ₹40,000. Platform ₹499 + our share ₹3,600 = ₹4,099 a month, plus GST of ₹737.82, so ₹4,836.82 in total. You keep ₹35,901 of your ₹40,000. Staff logins, if any, are extra.

Your research sales are ₹2,50,000 in the month. At 9% our share is ₹22,500, so with the platform fee you pay ₹22,999, plus GST. ₹2,50,000 is above the 8% line, so from the 1st of the next month your share is 8%: ₹20,000. You then pay ₹20,499 for the same sales — ₹2,500 less every month.

9% of ₹500 is ₹45, which is below the ₹75 minimum. So we take ₹75 for each client: ₹2,250. With the platform fee you pay ₹2,749 a month, plus GST.

Use the calculator on this page. Type in your clients and prices, and it shows what you pay, what you keep, the GST, and what changes when your research share comes down.

It does not have to be. Many desks start by pushing their existing calls in over the API and using the platform only for delivery, records and compliance. You can widen it later, or never.

No. You are the Research Analyst and you own every word. Nothing is written, suggested or published by the platform on its own, and we never give advice to your clients or anyone else.

No. Your domain, your logo, your theme, your payment gateway, your WhatsApp number and your SEBI registration number on every document.

Yes, and it is not ours — SEBI caps it at ₹1,51,000 excluding GST per PAN per 365 days, counting every payment that client makes you across everything you sell them. The platform adds up their approved payments for the last year plus whatever is in the cart, on your own GST rate rather than an assumed one, and refuses the purchase before the payment gateway opens. It fails open by design: a new client, a missing PAN or a slow check is allowed through, and only a computed, confident breach is stopped.

₹499 for the platform, plus ₹500 for each team member you add. Courses start at zero. Everything else is a share of what you actually sell.

Only if you want it to. What a CRM cannot do is verify a PAN against the official record, produce a signed agreement with reading evidence, stop a payment that would breach the fee cap, or prove a recommendation was delivered. Keep the CRM and use this for those.

Yes. Each step is individually switchable and the sequence is yours. Some practices take payment first; others will not show a plan until the agreement is signed.

Yours, under your own merchant account, so the transaction charge stays between you and your gateway. Nothing routes through an OptumFlex account and we never hold client money.

Your portal, on your domain, in one of seventeen themes: their plan, their documents, their payments, their holdings where relevant, and whatever you choose to show them. Each figure is switchable.

Yes. You point the domain at the platform and it serves your portal there, resolving your business from the domain itself. It is not a path or a subdomain under our name.

Yes, from your own console — theme, colours, logo, favicon, login background, and the checkout theme separately. None of it needs a support ticket.

From you. Your own SMTP for agreements and receipts, an entirely separate promotional pipe for marketing, and your own WhatsApp number and Telegram.

Your invoice prefix and your own sequence, and your GST treatment — none, added on top, or included in the price. Computed on your rate, never an assumed one.

On the product this website sells, nothing your client meets. The one place a vendor name legitimately appears is a document that has to name the party being authorised, which is a disclosure rather than branding.

Yours. You connect your own WhatsApp business account with your own credentials, so your clients see your name. Messaging charges on your own account stay between you and the provider, which is why our per-message rate on your own number is so small.

You can see accepted, delivered and read where the channel reports it, per message and per channel — and the exact reason for anything that failed.

They are removed, without you remembering to do it. Membership follows the subscription.

No. Charging happens when a channel accepts a message, and if it later reports a failure the charge is refunded. The report shows charged, refunded and net per campaign.

Yes — audiences are built from what people actually bought, with duplicates merged and opt-outs and recently-messaged contacts skipped before anything is sent.

No. It connects your own WhatsApp Business account directly to Meta's WhatsApp Cloud API. There is no service provider in between.

Meta does, directly, on your own WhatsApp Business account and at Meta's own rates. We don't resell Meta's messaging and we add no margin to it.

No. Research calls, updates, onboarding, agreements, invoices and renewal reminders carry no per-message charge from us. The only messaging with a price from us is the optional Campaigns facility, for sending to everyone at once, and its rates are on the pricing page.

Your business's approved display name, on your own number.

Yes. Each message shows delivered, read, or the exact reason it failed, as Meta reports it.

ConnectBridge is a product of OptumFlex Solutions Pvt. Ltd., an Indian software company (CIN U74999UP2017PTC096767).

No. Your domain, your logo, your theme, your payment gateway, your WhatsApp number and your SEBI registration number on every document. The platform runs underneath and stays there.

Yes. Each step is individually switchable and the sequence is yours. Some desks take payment first and complete KYC afterwards; others will not let anyone near a plan until the agreement is signed.

You open one PDF. It shows their IP address, their city, the exact second they signed, the SHA-256 hash of the document they signed, and how many seconds they spent reading each document before the OTP box even appeared.

Yours. You enter your own credentials and POS code, and choose live or sandbox per registry. We never sit in the middle of your KYC.

Never. Payments go to your own merchant account on your own gateway credentials. Nothing routes through an OptumFlex account.

About three hours once your credentials are in hand — domain, logo and company details, gateway keys, SMTP, WhatsApp, KRA credentials and your MITC PDF. The clock starts when that list arrives, not when a contract is signed.

They are already a lead on your list, with whatever they verified, and reminders go out automatically. Most desks discover this is the cheapest source of clients they have.

Yes. A package can be linked to as many of your strategies as you like, and one strategy can feed as many packages as you like. Each link has its own market boxes — equity, stock options, index options, stock futures, index futures and MCX — so a strategy can feed one product's options and another product's equity from the same desk.

Open that client's strategies and untick it — or untick just one market of it. That client alone stops receiving those calls. Everyone else on the same product is untouched.

Five things, all of them boxes you control: the strategy covers the call's market; the strategy is linked to the client's product with that market ticked; the product sells that market; the client is assigned the strategy with that market ticked and holds an active, paid plan; and the channels they have switched on. If any one is off, the call does not go to them.

It is not dropped silently. The platform records that the call reached no subscriber and names the box to tick, and a readiness check shows — gate by gate — who would receive a call before you send it.

Each strategy carries its own technical, fundamental and summary text. When you open the report for a call, those sections are already filled from the strategy it was placed under, alongside the call's levels and your company details. You edit, sign and send — you never retype the house view.

Yes. When you give a team member My Research, you also choose which strategies they may use. They see only the calls they placed under those strategies, can place only under those, and someone with none assigned sees nothing at all. Your own view stays whole.

No — a new client starts assigned to your strategies, and what they actually receive is narrowed by the plan they buy and by any box you untick for them.

No. It is included with every OptumFlex account at no extra charge. The platform fee stays what it is.

For the website form, no — copy the snippet, paste it into the page. For a server integration, or a push into your own CRM, whoever manages that system needs an hour with the docs.

No — it feeds it. Enquiries are people asking; leads are people onboarding. Convert to lead moves one to the other, and nothing on your leads page changes until you do that.

Only what is assigned to them. You see all of it, assign work and convert.

A hidden field that bots fill and people cannot see, a limit per visitor, and only the websites you allow. Everything refused is still on the record, with the reason.

Nowhere unless you send it. Pull it through the API or push it to a URL you choose — both after a one-time approval. The public web key on your page can only add an enquiry.

The customer list, coupons, the structure builder and watchlists come with the platform. The one thing that carries its own charge is an operator account — each active operator is a monthly fee on your wallet, and it is on the pricing page with everything else.

Only if you give it to them. An operator sees the screens you tick and nothing else, and inside research they see only the strategies you allowed and only the work they did themselves. An operator with no strategies assigned sees none of them, not all of them.

No. Switching an operator off takes effect on their next request, and no password anywhere changes. That is the whole point of giving them their own login instead of sharing yours.

Yes — and it can require every package you chose or any two of them. When a customer's cart does not qualify yet, the checkout tells them which package to add to unlock the code.

Not if you cap it. A percentage coupon can carry a maximum rupee value, a minimum cart value and a total number of uses, after which it stops working on its own.

This page is about building and costing the structure and sending it out as one basket. What happens after that is a conversation about consent and about what your clients have chosen — talk to us and we will walk you through it properly.

Any list exports to a spreadsheet whenever you want one. Nothing here is a one-way door.

No, and we never will. You are the Research Analyst. We are the infrastructure underneath. Nothing is written, suggested or published by the platform on its own.

Every message has its own delivery record, per channel, with read receipts where the channel provides them. That log is the answer to the most common dispute an RA has.

The revision goes to exactly the people who received the original, on the same channels, recorded against the same call. There is no second list to maintain.

Yes. Post into the platform over the API and use it for delivery, entitlement, records and compliance. You are not throwing anything away, and you can stop posting any day.

9% of what the client pays you, stepping down to 5% as your research sales grow, or ₹75 for every 30 days of the plan — whichever is higher. Nothing is due until a client pays you.

A list is a one-off. A portfolio is a position the client holds, that you rebalance, that has a cost basis and a return, and that produces a statement. It is the difference between a sale and a subscription.

Yes, because there is only one ledger. Their view and yours are the same rows, computed on a weighted-average cost basis with full history.

They are kept, and the state that depended on them is restated rather than orphaned. Version five does not erase what version four said.

Yes, per client, with its own configuration and risk settings — and only for the clients who choose it.

A flat 9% of each sale, or ₹99 for every 30 days of the plan, whichever is higher. Unlike research, the model portfolio rate does not step down.

One research request. The client names the stocks, you deliver a report, and the credit is spent. You decide what a bundle costs.

No. A first draft of the rationale can be generated for you to edit and sign, and the builder keeps your format so the structure does not have to be rebuilt each time.

It is delivered as a protected document and every issue is logged, so you know who was given what. No system anywhere can make a document impossible to photograph, and we will not pretend otherwise.

Yes. Research recommendations and research reports move together, from 9% down to 5% as your research sales grow, with a ₹75 minimum per purchase.

They stay on the balance. The consumption order is shown to the client, so it is clear which credits are being spent.