Finnovate

Finnovate is a SEBI-registered financial planning and wealth management platform designed to help India's professionals achieve financial fitness through a hybrid of proprietary technology and expert advisory services. The company combines AI-powered wealth tools with certified financial planners to deliver goal-based planning, investment execution, and ongoing portfolio monitoring via web and mobile platforms.

Core Products & Services

Goal-Based Financial Planning (FinnFit™) – Proprietary process creates personalized financial roadmaps for life goals like retirement, children's education, home purchase, and wealth creation based on income, expenses, risk profile, and timelines; includes scenario modeling and progress tracking.

Investment Planning & Portfolio Management – Research-backed construction of diversified multi-asset portfolios across mutual funds, equities, fixed income securities, and deposits; customized to client risk tolerance with ongoing monitoring and rebalancing recommendations.

Insurance & Risk Planning – Comprehensive life and health insurance needs assessment ensuring need-based coverage only, with no-misselling approach and integration into overall financial plan.

Tax Planning & Cash Flow Optimization – Tax-efficient structuring of investments and cash flows to minimize liabilities while mapping monthly surpluses for goal funding and emergency reserves.

Loan & Debt Management – Strategic debt optimization including right loan mix selection, prepayment sequencing, and accelerated repayment plans to reduce interest costs and improve liquidity.

Estate & Legacy Planning – Advisory on wills, nominations, powers of attorney, and wealth transfer structures to ensure smooth intergenerational succession and asset protection.

Digital Wealth Tracking Platform – AI-driven mobile app (Finnovate Wealth) and web dashboards for real-time multi-asset portfolio monitoring, financial fitness calculators (retirement readiness, freedom number), automated alerts, and self-serve goal diagnostics across linked accounts.

Financial OPD for Professionals – Specialized planning for doctors and medical professionals covering practice income structuring, professional liability, and career-specific financial needs.

Business Model & Revenue Streams

Hybrid Tech-Plus-Advisory Model – Combines centralized SEBI-registered investment advisory from certified planners with AI-powered self-serve technology platform to deliver scalable, personalized financial guidance to professionals.

Advisory & Planning Fees – Primary revenue from structured financial planning engagements and personalized consultations delivered fee-only without embedded product commissions.

FinnFit Membership Subscriptions – Recurring revenue from tiered membership program providing access to goal planning sessions, webinars/masterclasses, curated mutual fund universe, portfolio tracking tools, and basic tax advisory.

Investment Distribution Commissions – Revenue from facilitating client investments in mutual funds, fixed deposits, insurance policies, and equities through platform execution; scales with Assets Under Advice (AUA).

AUM-Based Advisory Fees – Percentage-based fees on assets under ongoing management and monitoring through the technology platform.

Platform Monetization & Upsells – Digital tools drive client retention and enable premium upsells like advanced analytics, priority support, and specialized professional planning such as Financial OPD for medical professionals.