FinClu is your friendly financial guide, here to help you make smart money moves. We believe that managing your money shouldn’t be a headache. That’s why we use a simple system called “FinClu” to make things easier.

At FinClu, we’re more than financial experts; we’re your guides on the journey to mastering money. Our guiding principle is the dynamic concept known as “FinClu.” This innovative mindset revolutionizes financial resource management, simplifying the process through three core principles.

What is FinClu?

Financial Capital : Think of this as the heart of your finances. It includes your money and assets, whether you’re an individual or a business. It’s what fuels your savings, investments, and everyday expenses.

Liquidity : Picture a safety net that’s both strong and flexible. Liquidity ensures you can quickly turn assets into cash without losing their value. It’s crucial for handling unexpected expenses while maintaining overall financial stability.

Utility : Utility is about balancing current needs with future goals. It’s like walking a tightrope, making sure you have enough cash for essentials while investing surplus funds to generate returns. We’re here to help you find that balance and make your money work for you.”

Our services

Smart Financial Solutions for Your Growth – FinClu

Our services are designed to provide tailored financial solutions, ensuring optimal growth and long-term success for individuals and businesses alike.

Financial Risk Management

Don’t let financial risks ruin your future. FinClu’s experts will help you understand and manage money risks.

Investment

Discover smart investment options with FinClu. From mutual funds and bonds to ETFs, we’ve got you covered.

Children's Higher Education Planning

Ensure your child’s future despite rising education costs with FinClu’s smart investment strategies for financial security.

Tax Planning

Save more and reduce taxes with FinClu’s expert guidance for smart and effective tax planning solutions and strategies.

Retirement Readiness

Don’t let financial risks ruin your future. FinClu’s experts will help you understand and manage money risks.

Estate Planning

Plan your finances for the future. Ensure your loved ones are cared for with FinClu’s expert estate planning.

NRI Services

Are you an NRI looking for expert financial guidance? FinClu offers simple solutions for investment needs, tax planning, and more.

Old investment retrievals

Don’t let your past investments go to waste. Discover our personalised services to recover lost, forgotten, or blocked funds.

take control of your financial future

Invest Smart, Save Easy!

Want to save for your future? Start investing in mutual funds today! It's simple, quick, and accessible anywhere. Go paperless and let your money grow!

Invest wisely, track easily!

Find the perfect fund for your future. Keep an eye on your investments and see how they grow. It's like having a personal finance assistant!

Track Your Tax Savings!

See all your investments and withdrawals instantly. Know where your money is working for you, anytime, anywhere.

Reimagine Your Financial Future

Want to invest in mutual funds? It's easier than ever! You can buy and sell mutual funds online with just a few clicks. But remember, investing isn't a game. Do your research before you invest. Know why you're buying or selling, and understand the risks involved. Start your investment journey today!

Intelligent Segregation

Track all your Investments at one place to drill down "Assets and Scheme" allocation for each of your Invested fund in just a single click.

Track Your Money, Real-Time!

Want to know where your money is? With our platform, you can track your investments and redemptions instantly. No more waiting! It's like having a real-time view of your financial journey.

Achieve Your Dreams, One Investment at a Time!

Planning a trip, a wedding, or a home purchase? Let us help you reach your goals! Our pre-made investment plans are designed to fit your specific needs. Start investing today and watch your dreams come true!

Our Features

Empowering Your Financial Journey with Smart and Seamless Solutions

Want to know our other highlights?

Munish and the Finclu team deliver personalized financial solutions by building genuine relationships, understanding unique needs, and providing impactful, tailored strategies that go beyond general advice for effective financial management.

Sanjay bishtLIFEWORKS INC. NOIDA

As a first-time investor, Finclu's tailored advice and insights transformed my financial journey. Their support sorted my portfolio, offering confidence and clarity. Grateful to have chosen Finclu!

anil kumarManager, HR & Administration (DS Group)

Finclu's tailored strategies and expertise have been invaluable in managing financial risks, safeguarding my interests, and providing confidence to handle uncertainties. Their personalized approach truly makes a difference.

Dr. ArtiMBBS, MD-Medicine, Rheumatologist & Immunologist

Finclu transformed my approach to student loans, creating a structured plan and offering insights to accelerate payoff. Their guidance has put me on the path to financial freedom.

Dr Deepika GillConsultant-Orthopaedics & Joint Replacement, Rheumatologist & Immunologist

Finclu's expertise eased managing real estate investments from abroad, guiding me to confidently purchase valuable land in India. Their exceptional service is perfect for anyone investing in Indian real estate!

Bharat SharmaCEO Monsoon Consulting, Country: Ireland

Finclu's expert tax planning saved me significantly, maximizing deductions while ensuring compliance. Their deep understanding of medical professionals' needs brings relief and confidence. Grateful for their exceptional support!

Dr. Geetika AgarwalMBBS, MD, Medicine, DM, Neurology Neurologist

Finclu's genuine care, deep knowledge, and practical approach resolved my financial troubles with clarity. Their personalized service impressed me, and I highly recommend them for expert financial guidance and support!

Anita DeviTeacher, Auckland House School, Shimla

Finclu's expert guidance on cash flow and investments optimized my income and ensured long-term growth. Their personalized approach and dedication made a real difference. Highly recommended for busy professionals!

Dr. Ramanjeet KaurPaediatrician, Child Specialist

Finclu's comprehensive approach to retirement and education planning gave me peace of mind. Their expert insights secured my children's future and ensured a clear path to achieving my goals. Highly grateful!

Dr. Malika TrehanMBBS, DNB, Obstetrics & Gynaecology

Finclu earned my trust with their thorough vetting process and professionalism. Their attention to detail and client recommendations ensured my parents' investment account was in safe hands. Grateful for their support!

Viral Jasani Program Manager at Bank of America Merril Lynch, Country: London, UK

Finclu’s user-friendly technology allows me to easily track my equity, mutual funds, and insurance in one place. Managing my investments has never been easier, and I'm extremely satisfied with the convenience!

Aruna SharmaHR (TPV TECHNOLOGY INDIA PVT LTD), GURGAON

Mr. Munish’s expert guidance on investing, taxation, and estate planning made retirement planning in India clear and manageable. I highly recommend Finclu’s transformative services to NRIs planning for retirement!

Rajesh SatwahIT Consultant, Country: Ireland

Team Finclu provided exceptional investment guidance, delivering a non-aggressive mutual fund portfolio with monthly investments. Their personalized approach, understanding my goals and risk tolerance, aligned perfectly with my needs. Highly appreciated!

Suman RajgariaHomemaker, Mumbai

Finclu's thorough vetting process, including certificate verification and AMFI credentials check, gave me peace of mind. Their professionalism and transparency built my confidence. Grateful for their trustworthy and reliable service!

Ashutosh Chauhan EntrepreneurEntrepreneur, Country: UK

Munish and his team provide professional, personalized financial management services, offering sound advice to help me achieve financial freedom. I highly recommend their holistic services to anyone seeking tailored financial guidance!

Dhiraj GuptaMANAGER (HR), SJVN LTD, SHIMLA

Finclu’s team provided invaluable guidance on estate planning, legal, and tax aspects, ensuring efficient investments and maximum protection for our assets. Their support gives us peace of mind for our family’s future.

Harpreet SinghBusinessman, Country: London, UK

Munish provided unbiased, independent advice tailored to my financial goals. His thoughtful approach to financial planning makes him trustworthy. I highly recommend his services for anyone seeking an effective financial strategy.

Sumita BhuiaAVIATION AND GROOMING INSTRUCTOR, FRANKFINN INSTITUTE, MUMBAI

Finclu’s genuine care, deep knowledge, and practical approach impressed me. Their ethical, competent, and compassionate service earned my trust. I highly recommend their services to anyone seeking personalized financial solutions!

Bharat KapurManager, Merchandising Shivalik Prints Ltd., Faridabad

Finclu guided me in diversifying my offerings by adding health insurance and other coverage options. Their connections and support boosted my business, increased earnings, and played a key role in my success!

Chander Mohan

Finclu transformed my life as a homemaker, helping me understand business, connect with the right companies, and earn a meaningful income. Their support has positively changed my life and benefited my family!

Meenu Alawadhi

Finclu transformed my retirement by helping me explore income opportunities and start a home-based insurance business. Their training, resources, and connections secured my future. I'm truly grateful for their guidance!

Tarsem LaL

Finclu helped me transition from loan agent to insurance sales, increasing my income and providing passive earnings. Their training, connections, and support expanded my business, making me a stronger player in my field.

Sandeep Singh

Finclu’s support helped me transition from teaching to exploring new business opportunities. Their training, industry connections, and guidance enabled me to offer insurance services, expanding my offerings and boosting my confidence.

Shyna Agarwal

We offer personalized financial strategies to empower your goals.

We offer comprehensive financial solutions, empowering individuals and businesses to achieve their goals through expert guidance, innovative tools, and personalized services.

FinClu — Frequently Asked Questions

At FinClu, we believe transparency builds trust. Here are answers to the questions investors and partners ask most often — from how we begin your journey to how we safeguard your money.

About FinClu

Q1. What is FinClu?
A: FinClu stands for Financial Capital, Liquidity, and Utility — the three pillars of personal finance. We help individuals and families make informed, long-term investment decisions through a structured, transparent process.

Q2. When was FinClu founded?
A: FinClu was incorporated in 2021 with a vision to simplify financial security and make wealth creation accessible to all.

Q3. Who leads FinClu?
A: FinClu is led by Munish Chauhan, a Certified Financial Planner (CFP®) with 22 years of experience across Kotak, HSBC, and Nivesh.com. His mission is to build financially confident communities through honest advice and digital innovation.

Q4. Are you SEBI registered?
A: FinClu is an AMFI-registered Mutual Fund Distributor. We don’t charge client fees — we earn a standard commission from AMCs for regular plans. No hidden charges or advisory bias.

Q5. How is FinClu different from banks or large institutions?
A: Unlike banks that sell products, we build relationships. FinClu blends deep market expertise with personalized guidance and long-term partnership.

Why Choose FinClu

Q1. What makes FinClu different?
A: We focus on financial well-being and process, not products. Every plan is built around your objectives, lifestyle, and long-term security — ensuring your financial decisions are both informed and stress-free.

Q2. What services do you offer?
A: FinClu offers a complete suite of solutions to help you build a secure financial future — including Mutual Funds, Term & Health Insurance, PMS (Portfolio Management Services), AIF (Alternative Investment Funds), Startup Investing Opportunities, National Pension Scheme (NPS) etc.

Q3. How does FinClu earn if you don’t charge clients?
A: Through trail commissions from AMCs — fully disclosed and transparent. There are no extra costs to clients.

Getting Started with FinClu

Q1. How can I start investing?
A: Schedule a quick discovery call. We’ll understand your goals and complete your onboarding digitally.

Q2. What documents are required?
A: PAN, Aadhaar, cancelled cheque, and nominee details. Everything else happens online via BSE Star MF.

Q3. Is it fully paperless?
A: Yes. All approvals are done digitally with OTPs or e-signatures.

Q4. How long does onboarding take?
A: Usually 1–3 working days, depending on KYC status.

Q5. Can NRIs invest with FinClu?
A: Absolutely. We offer global onboarding and support for NRIs.

Investment Process

Q1. How do you select mutual funds?
A: Using a structured, research-driven review every six months — analyzing fund managers, consistency, and AMC strength.

Q2. Do you recommend SIPs or lump sums?
A: Both. SIPs build discipline; lump sums are deployed gradually through STPs to manage risk.

Q3. Can I choose my own funds?
A: Yes, if they align with your goals. We always explain the rationale behind our suggestions.

Q4. How are transactions executed?
A: All through BSE Star MF, India’s most secure platform, with 24/7 access via the Investwell App.

Portfolio Review & Reporting

Q1. How often do you review portfolios?
A: At least annually, or whenever major life or market changes occur.

Q2. Can you review my existing investments?
A: Yes. We assess your current holdings, identify gaps, and realign them to your goals.

Q3. What kind of reports do I receive?
A: Real-time dashboards, return summaries, and quarterly insights via email or WhatsApp.

Direct vs Regular Plans

Q1. What’s the difference?
A: Direct plans are self-managed; Regular plans come with expert guidance and continuous tracking.

Q2. Why choose FinClu?
A: We help you avoid emotional decisions and costly mistakes while keeping your portfolio aligned with goals.

Q3. Do Regular plans cost more?
A: No. Our earnings come from the fund’s expense ratio — not from you.

Q4. Are commissions disclosed?
A: Always. View them here → www.finclu.com/disclosure

Client Servicing & Support

Q1. How do you manage client queries?
A: All requests are tracked via Zoho CRM, ensuring same-day updates via WhatsApp or email.

Q2. How can I book a review call?
A: Use our Meeting Scheduler to book a convenient slot anytime.

Q3. What are your working hours?
A: We work from 10 a.m. to 7 p.m., Monday to Friday. However, prior appointments can also be scheduled on Saturdays for convenience.

Q4. How do you handle feedback or complaints?
A: Through a transparent process — most issues are resolved within 48 hours, and clients are updated via Zoho CRM.

Security & Data Privacy

Q1. How secure is my data?
A: Extremely secure. We use encrypted, ISO-certified platforms like BSE Star MF, Investwell, and Zoho.

Q2. Do you share my information?
A: Never. Data is shared only for regulatory purposes with authorized systems.

Q3. How do you prevent fraud?
A: OTP-based verification and transactions only from your registered bank account.

Q4. Any security breaches so far?
A: None. FinClu has maintained a 100% clean record since inception.

If You’re New to Investing

Q1. I’ve never invested before. Is FinClu right for me?
A: Absolutely. We help beginners set goals and start small — no jargon, no pressure.

Q2. What’s the minimum to start?
A: Just ₹500 via SIP. Start small, stay consistent.

Q3. Do I need financial knowledge?
A: No. We explain everything clearly and help you learn as you invest.

Q4. Can I see my investments anytime?
A: Yes — through the Investwell App and dashboard.

Planning for Life Goals

Q1. I already invest in mutual funds. Can you review my portfolio?
A: Yes. We’ll assess your funds, identify overlaps, and help optimize returns. Check your portfolio here.

Q2. How do you help plan my child’s education fund?
A: We project future education costs, balance equity and debt, and track progress so your child’s dreams stay protected.

Q3. Do you also help plan for retirement?
A: Yes. We assess your current savings and lifestyle to calculate retirement readiness and build a long-term plan.

Q4. Can I consolidate my investments across platforms?
A: Absolutely. We help you bring everything under one dashboard for better visibility and control.

General Client Queries

Q1. What’s the minimum investment amount?
A: ₹500 for SIPs and ₹5,000 for lump-sum.

Q2. Can I stop or modify SIPs anytime?
A: Yes, instantly — we’ll guide you through the process.

Q3. Can I redeem my funds anytime?
A: Most mutual funds are flexible; we’ll inform you about any exit load.

Q4. Do you serve NRIs?
A: Yes, we have clients across the globe.

Q5. Do you assess risk appetite?
A: Yes, through our Risk Profiling Tool.

Client Stories

“FinClu made investing feel human — they explained every step patiently.” — Ankita, Gurgaon

“After 10 years of DIY investing, FinClu’s review helped me streamline and grow.” — Vikas, Mumbai

“What I liked most was their transparency — no hidden agenda, just honest advice.” — Suresh, Pune

For Partners & Collaborators

Q1. How does FinClu partner with CAs and professionals?
A: We help Chartered Accountants and advisors offer clients investment, insurance, and estate planning — with zero operational burden.

Q2. What do partners get?
A: Co-branded dashboards, transparent revenue sharing, and end-to-end backend support.

Q3. Can FinClu handle client servicing for partners?
A: Yes. We manage execution, reviews, and reports so you can focus on relationships.

Q4. How can I become a FinClu Partner?
A: Fill out our Partnership Form to schedule a call.

Our Philosophy

At FinClu, we believe true financial success begins with awareness — and grows through action.

Our mission goes beyond investments. We aim to:
– Educate individuals and families to make confident money decisions.
– Empower them with the right tools, processes, and guidance to stay financially secure.
– Enable Economic Independence — where your money works for you, not the other way around.

Every session, portfolio review, and community interaction is designed to help you gain clarity, discipline, and long-term confidence in your financial journey.