Short answer Invest through India’s tech‑led options by (a) choosing the service model you want (robo‑advisor / SEBI‑registered RIA, digital distributor apps for mutual funds, thematic “baskets” like smallcases, PMS/AIF for high‑net‑worth), (b) doing the required KYC/DEMAT setup, (c) vetting regulatory status, fees, security and track record, and (d) starting with SIPs/ETFs or a small allocation to test the platform. Below I give a compact, practical step‑by‑step guide, what to watch for, and a few platform examples with authoritative links.

1. What “tech‑led wealth management” covers

• Robo/advice engines (algorithmic goal planning + model portfolios offered by SEBI‑registered Investment Advisers). (sebi.gov.in, taxguru.in)
• Online mutual‑fund & direct‑plan platforms (apps that let you run SIPs, lumpsum, trackers, tax tools). (groww.in, etmoney.com)
• Thematic/portfolio baskets (smallcase: pre‑built, rule‑based stock/ETF baskets). (smallcase.com)
• Discretionary Portfolio Management Services (PMS) and Alternative Investment Funds (AIFs) for larger, customised portfolios (regulated, higher minimums). (investor.sebi.gov.in)

2. Quick decision flow (how to pick)

• Define goals & horizon (retirement, corpus, house, taxable vs tax‑efficient).
• Pick the model that matches your need and size:
  • Small amounts / do‑it‑yourself: mutual‑fund apps, index ETFs, smallcases. (groww.in, smallcase.com)
  • Goal‑based & low‑touch: robo/advisors or fee‑only RIAs (goal planning, rebalancing). (sebi.gov.in)
  • Large/customised portfolios: PMS (SEBI‑regulated; minimum investment typically Rs.50 lakh). (investor.sebi.gov.in)

3. Practical step‑by‑step to start investing

1. Complete KYC (uniform CKYC) — mandatory for mutual funds and on‑platform onboarding. Use a KRA/CAMS/KFin/DP or the app’s paperless e‑KYC flow. (Many platforms support Aadhaar/OTP, or biometric e‑KYC for higher limits). (amfiindia.com, mfs.kfintech.com)
2. Open the right accounts:
   • Mutual‑funds: register via the app / AMC / RTA (CAMS/KFin). (etmoney.com)
   • If you want direct stocks/ETFs/smallcases: open a demat + trading account with a broker. (groww.in, smallcase.com)
3. Link bank and set up payment mandates / UPI / auto‑debit for SIPs. Most apps support UPI, netbanking or ECS/mandates. (groww.in, help.scripbox.com)
4. Start small & test: begin with one SIP or a small lump sum to learn the UX, reporting and service quality. Rebalance as goals change.

4. Due diligence checklist (what to verify before committing money)

• Regulatory status: Is the service a SEBI‑registered RIA or PMS provider, or is it an AMFI/AMC/registered distributor? Unregistered “advisors” are a red flag. (sebi.gov.in, investor.sebi.gov.in)
• Fees and cost stack: advisory fee or AUA fee, platform fees, expense ratios on funds, brokerage, exit loads. Small fees compound over time.
• Minimums & liquidity: PMS/AIFs have high minimums and differ on lock‑in; mutual funds and ETFs are liquid. (investor.sebi.gov.in)
• Technology & security: ask how client data are stored, whether they disclose use of AI/algorithms and model governance — SEBI requires disclosure and IA responsibility when AI tools are used. (taxguru.in)
• Track record & transparency: request performance history, AUM, client references and independent statements (custodian / auditor reports for discretionary mandates).
• Customer support & portability: can you export holdings, move your demat/folio, or withdraw easily?

5. Tax basics to keep in mind (high‑level; verify with a tax advisor)

• Equity funds / listed shares: STCG (if sold ≤12 months) and LTCG (>12 months) rules were changed by the 2024 budget — STCG on equity is now taxed at 20% (for trades on/after 23 July 2024) and LTCG at 12.5% above the exempt threshold (exemption limit raised to Rs 1.25 lakh). These are important when you choose between short‑term trading vs long‑term SIPs. Consult a tax professional for personal tax planning. (cleartax.in, business-standard.com)

6. Typical product choices and who they suit

• Direct mutual funds (apps: Groww, ET Money, Kuvera): low ticket SIPs, easy KYC and tax tools — good for most retail investors. (groww.in, etmoney.com, kuvera.in)
• Robo/goal‑based advisors (Scripbox, Kuvera, ET Money’s goal features): automated goal planning + re