New Platform Offers AI-Driven Personalised Investing Across Mutual Funds, Digital Gold and Unlisted Stocks
Wealth management and financial planning platform Fincart has launched a new AI-powered investment app, marking a major step in its transition from a relationship led advisory business to a technology driven wealth management platform. The upgraded app combines goal based financial planning, AI-driven personalisation, and multiple investment options on a single platform, enabling users to manage their finances independently.
The launch reflects the growing adoption of artificial intelligence across India’s wealth tech industry, where firms are increasingly using AI to deliver personalised financial advice, improve customer engagement, and simplify investing for retail investors.
Founded in 2013, Fincart aims to make professional financial planning more accessible by offering customised investment recommendations regardless of an investor’s portfolio size.
AI at the Core of the New Platform
According to the company, artificial intelligence plays a central role in the new version of the Fincart app.
The platform analyses a user’s financial behaviour, investment goals, and preferences to generate personalised recommendations across various financial products.
Rather than relying solely on traditional relationship managers, the company is positioning the app as an AI-led financial planning platform capable of providing tailored guidance to a broader customer base.
The objective is to help users independently plan, invest, monitor, and manage their finances while receiving recommendations aligned with their long term financial goals.
Goal-Based Investing Across Multiple Asset Classes
The upgraded application offers access to a wide range of investment products through a single interface.
Users can invest in mutual funds, digital gold, unlisted stocks, and other financial instruments while tracking their overall portfolio in one place.
For investors with larger portfolios, the platform also provides access to Portfolio Management Services (PMS).
In addition to investment products, the app offers health insurance and term insurance, allowing users to manage multiple aspects of personal finance through one integrated platform.
The goal based investing approach enables users to align their investment decisions with objectives such as retirement planning, wealth creation, children’s education, or other long term financial milestones.
Investor Personas Drive Personalisation
One of the app’s key differentiators is its AI-powered investor profiling system.
The platform categorises users into investor personas such as Explorer, Grower, and Anchor, based on their financial behaviour, investment preferences, and risk profile.
These profiles help the AI engine recommend suitable mutual funds, portfolio allocations, and investment strategies tailored to individual users.
The personalised approach aims to improve investment decision making while making financial planning easier for both new and experienced investors.
Beyond Investing: A Complete Financial Management Platform
The new Fincart app goes beyond investment management by offering a comprehensive suite of financial planning tools.
Users can access budgeting features, monitor investment performance through portfolio tracking, and receive AI-generated financial insights designed to improve long-term financial health.
The platform also supports external asset synchronisation, allowing users to consolidate investments held across different financial institutions into a unified dashboard.
Additional features include family account management, enabling households to manage and monitor multiple financial portfolios from a single interface.
The company believes these capabilities will help users gain a more holistic view of their financial position while improving planning and decision making.
Transitioning to an AI-Led Wealth Platform
Founded by Tanwir Alam, Fincart Finvest has built its business around financial planning and wealth management services covering investment planning, retirement planning, tax optimisation, wealth creation, and risk management.
With the launch of its AI-powered platform, the company is shifting from a predominantly advisor led model toward a scalable technology driven approach.
The strategy enables Fincart to serve a much larger customer base while maintaining personalised financial guidance through artificial intelligence.
The move also reflects broader industry trends as wealth tech companies increasingly integrate AI into customer onboarding, portfolio recommendations, financial planning, and investment monitoring.
Growing Opportunity for Wealth-Tech in India
India’s wealth management industry is undergoing rapid digital transformation, supported by rising financial awareness, growing retail participation in capital markets, and increasing adoption of digital investment platforms.
Artificial intelligence is becoming a key differentiator for wealth tech companies seeking to improve customer experience through automation and personalised advisory services.
With its AI-driven investment recommendations, diversified investment options, and integrated financial planning tools, Fincart aims to strengthen its position in this expanding market.
As more investors seek digital-first financial solutions, platforms combining technology, personalisation, and comprehensive wealth management are expected to play an increasingly important role in India’s evolving fintech ecosystem.
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