Fincelerate offers a comprehensive, AI-driven financial platform designed to simplify and personalize wealth creation for investors across demographics. Our Life Tree Calculator (LTC) dynamically adjusts financial roadmaps based on income, inflation, and life milestones, offering goal-based investment planning. The ML-based portfolio optimization engine ensures real-time investment adjustments, maximizing profitability.
To bridge financial literacy gaps, E-Yourself provides multilingual financial education, making investing accessible for first-time investors in semi-urban and rural India. Our AI-powered chatbot and expert consultation feature (Book an Appointment) offer instant, unbiased guidance, ensuring seamless decision-making.
Fincelerate’s business model operates on a commission-based structure, earning revenue through mutual funds (0.8-1% brokerage), PMS (1-1.5% commission), and AIFs/bonds (0.5% one-time brokerage). We also empower independent financial consultants through a subscription-based distributor model, enabling wider market reach.
With a goal to reach ₹1,000 crore AUM in 5 years, Fincelerate is revolutionizing financial planning by integrating AI, ML, and data analytics, ensuring dynamic, personalized, and scalable financial solutions for all investors.
Startup Description
Fincelerate is a tech-driven financial ecosystem redefining wealth creation through AI, ML, and data analytics. India’s financial landscape is fragmented, leaving millions without structured investment planning. With 96% of the population yet to invest in mutual funds, financial literacy and accessibility remain key barriers.
Our platform eliminates static, one-size-fits-all solutions by offering dynamic, personalized financial planning that adapts to user goals, inflation, and market fluctuations. E-Yourself, our multilingual education platform, empowers semi-urban and rural investors with critical financial knowledge, fostering informed decision-making.
Fincelerate’s ML-powered portfolio optimization ensures real-time asset allocation, while our AI chatbot and expert consultation features bridge the accessibility gap, enabling instant, unbiased financial recommendations.
Operating on a commission-based model, we generate revenue through mutual funds, PMS, AIFs, and bonds, alongside a subscription-driven distributor model to expand our market reach. With a target of ₹1,000 crore AUM in 5 years, Fincelerate is set to revolutionize financial security, fostering inclusion, growth, and wealth creation across India.
Product Screenshots
Business Model
Fincelerate operates on a scalable, commission-based and subscription-driven model business model that ensures long-term revenue growth while offering zero-cost financial planning to users. Our earnings come from financial product distribution, including mutual funds, portfolio management services (PMS), alternative investment funds (AIFs), and bonds, without directly charging customers. We also onboard independent distributors under a subscription-based model.
Revenue Streams:
Mutual Funds – Earn 0.8%-1% annual brokerage on AUM, paid by AMCs.
PMS & Bonds – Receive 1%-1.5% commission on PMS and 0.5% one-time brokerage on bonds.
Alternative Investment Funds (AIFs) –
Category I & II AIFs: Earn one-third upfront commission, with the remaining two-thirds on a trail basis over the fund tenure.
Category III AIFs: Earn only trail commissions, ensuring long-term recurring revenue.
Subscription-Based Distributor Model – Financial consultants and advisors onboard clients under a fee-based model, ensuring steady income.
Currently, with ₹62 lakh AUM and ₹4.5 lakh in monthly SIPs, We are earning ₹50,000-60,000 annually through traditional investment onboarding. As we integrate AI-driven portfolio optimization and LTC, our AUM is projected to reach ₹500 crore in 3 years and ₹1,000 crore in 5 years, driving annual revenue to ₹10-12 crore. With a multilingual financial literacy ecosystem and expert access, Fincelerate is scaling rapidly, ensuring financial inclusion and wealth creation.
Customers
based in
India, North America, Latin America, Europe, Southeast Asia, Australia & New Zealand (Oceania), Africa (excluding North Africa), South Asia, East Asia
Business
Modal Type
"Impact-Driven Fintech Ecosystem" At Fincelerate, we operate as a hybrid model, seamlessly combining personalized services like expert consultations through appointments with cutting-edge technology-driven tools, including our AI chatbot, ML-powered portfolio optimization, and the innovative Life Tree Calculator. We don’t charge our customers directly; instead, our revenue comes from asset management companies, ensuring transparency and accessibility. Our vision is to build a comprehensive financial ecosystem where education, investment, and portfolio optimization come together to empower underserved markets such as rural and semi-urban areas and non-pensioned individuals. Using advanced data analytics, multilingual support, and adaptive AI/ML insights, we offer tailored financial solutions that meet individual needs. Above all, we are committed to driving financial literacy, inclusion, and economic empowerment, setting us apart as a platform focused on creating lasting social and economic impact rather than merely facilitating transactions.
