Invest now
Facebook Linkedin Youtube Instagram X-twitter
Call Now
Say hi !
Raise a Ticket
Grievance form

Get in Touch

Interested in partnering with us or exploring independent opportunities?
Contact us below!

Registered Office

1506, Tower-1, Valley View Estate, Gwal Pahari, Gurgaon-Faridabad Road, Gurgaon-122003, Haryana

Phone:

+91 9915676442

Watsapp:

+91 9878696442

Email:

munish.chauhan@finclu.app contact@finclu.app

Overseas address

49 Oaks Way , Surbiton, KT65DX, United Kingdoms

Phone number: +447780076881

Branch Office

Munish Kutir, Near Cemetery gate, Cemetery Road Sanjauli, Shimla-6, Himachal Pradesh-171006

Phone:

+91 9915676442

Whatsapp:

+91 9878696442

Email:

munish.chauhan@finclu.app contact@finclu.app

Business Hours

  • Monday - Saturday 10:00AM till 7:30PM
  • Sunday, 2nd & 4th Saturday - Closed

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.

 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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

“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

 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.

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.

Please provide your feedback & ratings.
We would love to hear from you.

jQuery(document).ready(function($) { $('#raise-ticket-tab').on('click', function(e) { e.preventDefault(); window.open('https://fincluapphelpdesk.zohodesk.in/portal', '_blank'); }); });