Name

Fincart

Legal name

FINCART FINVEST PRIVATE LIMITED

Website

https://fincart.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Loan Brokers (6163)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI), Net Worth & Personal Balance Sheet Tracking (FSAGADAF), Financial Coaching & Budgeting Advisory (FSAEAAAH)

Keywords

• Financial planning services
• Investment advisory
• Wealth management
• Tax planning
• Insurance advisory

Headquarters

HQ city

Noida

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Commission from Financial Products: Fincart earns commission/trail commission from mutual fund houses, insurance companies, and other financial product providers. Commission structure is stated to be higher than competitive platforms. The company is registered as a distributor with ARN-112744.
2. Advisory Fees: Fees charged for personalized financial planning and advisory services provided by certified financial planners and wealth managers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Fincart (FINCART FINVEST PRIVATE LIMITED) is an India-based financial planning and advisory platform that delivers holistic financial planning services including investment planning, retirement planning, tax optimization, insurance analysis, and estate planning. The company distributes a curated basket of mutual funds, insurance products, digital gold, portfolio management services (PMS), alternative investment funds (AIFs), fixed deposits, and loans, and earns commissions from product manufacturers as a registered AMFI distributor (ARN-112744). Advisory is delivered through certified financial planners via a hybrid model of virtual consultations, in-person meetings across 10+ Indian cities, and a self-serve mobile app and website.

Product overview

Fincart (FINCART FINVEST PRIVATE LIMITED) is a financial planning and advisory platform offering a comprehensive suite of services organized as a platform-plus-modules architecture. The core platform centers on holistic financial planning with six integrated service modules: Financial Planning, Investment Planning, Goal Planning, Risk Management, Retirement Planning, and Tax Planning/Saving. Supporting these are specialized advisory services (Certified Financial Advisors, Wealth Advisors, Tax Advisors), a curated investment product shelf (Mutual Funds, SIP, Digital Gold, Portfolio Management Services), insurance solutions (Health, Term, Critical, Asset), loan hub products, and digital self-service tools including SIP Calculator, Income Tax Calculator, Step-Up SIP Calculator, Retirement Calculator, and Goal Planner. The platform also operates a mobile app for iOS/Android and a Partner Dashboard for its network of 2000+ advisors distributing products across 10,000+ financial instruments. Advisory services are delivered virtually across major Indian cities including Bangalore, Delhi NCR, Mumbai, Kolkata, Hyderabad, Pune, Ahmedabad, Chennai, Gurugram, and Indore.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning service that covers setting financial goals, tax planning, emergency fund building, debt management, retirement planning, and estate planning, delivered by certified financial planners for individuals and families in India.
• Investment Planning Investment advisory service that analyzes a client's risk appetite and goals to construct diversified portfolios aimed at long- and short-term financial objectives.
• Goal Planning Goal-based investing service that allocates funds toward short, medium, and long-term life goals such as child education, wedding, home purchase, and retirement.
• Risk Management (Insurance Planning) Risk assessment and mitigation service covering insurance planning across health, life, asset, and critical illness lines to safeguard client assets and ensure financial resilience.
• Retirement Planning Retirement advisory service that builds a corpus accounting for inflation, lifestyle preferences, and healthcare costs to support a dignified retired life.
• Legacy and Inheritance Planning Estate planning service that ensures assets are transferred to heirs in a tax-efficient manner in accordance with documented wishes.
• Tax Planning and Saving Tax optimization service that identifies deductions and exemptions under the Indian Income Tax Act to minimize tax liabilities while maximizing savings.
• Income Tax E-Filing Expert-assisted income tax return filing service that helps clients file their ITR accurately and on time.
• Mutual Funds Distribution Distribution of curated mutual fund schemes across equity, debt, and hybrid categories, offered under Fincart's AMFI distributor registration ARN-112744, with selection drawn from a universe of 10,000+ financial products.
• Digital Gold Digital platform for buying, selling, and holding gold without the need for physical storage, accessed through partnerships with digital gold providers.
• Wealth Management Comprehensive wealth management service for high-net-worth individuals covering tax, estate, investment, and retirement planning.
• Portfolio Management Services (PMS) Actively managed investment portfolios tailored to financial goals and risk appetite with professional oversight, offered through partnerships with PMS providers.
• Corporate NPS National Pension System advisory for corporate employees planning retirement, offered as part of the corporate employee benefits vertical.
• Health Insurance Advisory Health insurance planning and advisory covering hospitalization, critical illness, and wellness benefits, sourced from multiple insurance providers.
• Term Insurance Advisory Term life insurance planning to protect family financial well-being against untimely death, sourced from multiple insurance providers.
• Critical Illness Insurance Advisory Critical illness insurance coverage advisory for protection against serious medical conditions, sourced from multiple insurance providers.
• Asset Insurance Advisory Insurance advisory for assets including vehicles, homes, and other valuable possessions, sourced from multiple insurance providers.
• Group Health Insurance Group health insurance solutions for employers covering employee healthcare needs, delivered as part of the corporate vertical.
• Home Loan Advisory Home loan advisory and facilitation service for purchasing residential properties, offered through partner banks and financial institutions.
• Personal Loan Advisory Personal loan advisory service for various financial needs, offered through partner banks and financial institutions.
• Business Loan Advisory Business loan advisory service for enterprise financing requirements, offered through partner banks and financial institutions.
• Corporate Financial Workshops Financial education workshops for corporate clients and their employees on wealth creation, goal planning, and financial wellness topics.

Quantifiable outcome

• 4.7 out of 5 client review rating
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Mutual Fund Houses (various)coreTechnology or IntegrationFincart acts as a registered distributor (ARN-112744) for mutual fund houses, offering their products through the platform. The company curates and recommends mutual funds from various fund houses based on client needs and goals.
• Insurance CompaniescoreChannel Partner/ Reseller/ DistributorFincart distributes life insurance, health insurance, term insurance, and critical illness insurance products from various insurance providers, providing clients with a curated selection of insurance solutions.
• Digital Gold ProvidersminorChannel Partner/ Reseller/ DistributorPartnership with digital gold platforms allowing clients to invest in digital gold through Fincart's platform, offering a convenient way to include gold in their investment portfolio.
• Portfolio Management Service ProviderscoreChannel Partner/ Reseller/ DistributorFincart offers Portfolio Management Services (PMS) through partnerships with professional PMS providers, providing actively managed portfolio options for eligible investors.
• Fixed Deposit ProvidersminorChannel Partner/ Reseller/ DistributorPartnership with banks and financial institutions for fixed deposit products, offering clients access to guaranteed return investment options.
• Alternative Investment Fund ManagersminorChannel Partner/ Reseller/ DistributorFincart provides access to Alternative Investment Funds (AIFs) including private equity and hedge fund options for investors seeking diversification beyond traditional assets.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Scripbox: Scripbox is a digital mutual fund investment and financial planning platform in India that offers curated fund recommendations and goal-based planning. It directly competes with Fincart's curated MF advisory and goal-based investing services.
• INDmoney: INDmoney is an Indian personal finance super-app offering mutual funds, stocks, debt, US stocks, and financial planning tools. It directly competes with Fincart across goal planning, portfolio tracking, and holistic financial advisory for retail customers.
• NJ Wealth: NJ Wealth (NJ India Invest) is one of India's largest mutual fund distributors with a vast sub-broker/partner network. It is a direct peer to Fincart's partner-led mutual fund and insurance distribution model.
• Kuvera: Kuvera is a direct mutual fund investment and financial planning platform serving Indian retail investors. It is a direct competitor to Fincart's self-serve and advisor-augmented mutual fund distribution and goal-based financial planning offerings.
• ET Money: ET Money is a Times Group-backed personal finance platform offering mutual funds, insurance, loans, and credit score tracking. It competes with Fincart's holistic financial planning, multi-product distribution, and digital self-serve capabilities.

Broad incumbents

• Anand Rathi Wealth: Anand Rathi Wealth is a listed Indian wealth management firm offering financial planning, mutual fund distribution, and PMS to HNI and mass-affluent clients. It competes with Fincart's wealth management, financial planning, and PMS offerings at a larger scale.
• Groww: Groww is a leading Indian fintech super-app for mutual funds, stocks, and digital investments with a very large retail user base. While broader than Fincart, it overlaps directly in mutual fund distribution and goal-based investing.
• Angel One: Angel One is a large Indian broking and wealth platform offering mutual funds, stocks, and advisory services. It competes with Fincart as a multi-product, technology-led wealth advisory platform serving retail and HNI customers.
• Zerodha (Coin): Zerodha's Coin platform offers direct mutual fund investments to its large stock-brokerage user base in India. It is a broader incumbent competing with Fincart on cost-efficient, self-directed mutual fund investing.
• FundsIndia (now Tata Capital Wealth): FundsIndia, now part of Tata Capital, is a long-standing Indian online mutual fund and wealth advisory platform. It overlaps with Fincart on mutual fund distribution, financial planning, and wealth management for retail and HNI segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/c/FINCARTFinancialPlanners
• Facebookfacebook.com/fincartinvestmentplanners
• LinkedInlinkedin.com/company/fincartfinancialplanners
• Instagraminstagram.com/fincart_official
• Xx.com/fincart_advisor

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fincart