recipe

Recipe is Finology's wealth-building platform that includes tools to checkup your financial profile, goal calculators, dedicated stock research services and personalised investment advisory services.

At the core, we prioritise capital safety in our investment analysis and recommendations. We recommend a stock only if it passes our in-house DEEPSCAN test, wherein we check if the company has the following characteristics-

D- Discount to intrinsic value (Reasonable Valuations)
E- Efficiency of business operations (Cost Advantage)
E- Ethical Conduct
P- Pricing Power (Strong Moat)
S- Scalability (Visibility of Earnings growth)
C- Competitive Landscape (Industry Projections)
A- Appropriate Safety Net (Risk Mitigation)
N- No Biases (Behavioral Safeguard)

Finology Ventures Pvt. Ltd. is a SEBI registered investment advisor. Our research analysts are actively involved in the stock-picking & filtration process.

Finology 30 is our flagship stock research service designed for long-term investors. Here's what all you get in Finology 30:

• 30 Stocks for the long-term
• Buy it Below price
• Detailed Research Reports
• Important updates
• Premium articles

You can add or change your financial inputs in the Financial Checkup section. The ''Check'' button can be used to add your financial inputs and ''Recheck'' for editing them.

Financial Checkup section in Recipe has a bunch of free tools that allow you to input your financial details and check what's missing. It includes checkup of your savings, investments, emergency, insurance, debt & risk profile.

Risk Profile helps you identify the type of investor you are based on your capacity and willigness to take risks. Identifying your investor type helps you to build a portfolio that suits you.

Recipe’s purpose is to enable you to check, analyse and fix financial issues by yourself. And so as a DIY investment platform, you will only get algorithm-based standard solutions. The risk profile identified is not used to filter the stocks. The stock recommendations and mutual fund reports are common for all and have been picked based on their suitability for most use cases. However, their suitability to your risk profile and goals has to be determined by yourself.

We do not offer portfolio management services under Finology 30 or Finology ONE. Instead, our services will help you invest for creating wealth in the long term. With our Financial Checkup tools, Goal calculators and Stocks, you can start managing your portfolio by yourself.

However, if you need an expert to design an investment plan based on your risk profile, you can apply to our investment advisory service 'Reserve.'

All our stock recommendations under Finology 30 are for long-term investments. However, we cover important debt instruments like liquid funds, fixed deposits, etc, in the Free Reports section.

We do not provide any transaction platform for investing in the instruments. However, you can visit Finology Select to choose the best suitable broker.

We do not review your existing investments either under Finology 30 or Reserve.

We do not provide individual advice on tax planning. However, tips and some of the most tax-efficient instruments shall be covered in Recipe's Discover section.

No, we do not provide any Relationship Managers to assist you with your investments in Recipe's free tools and Finology 30 service. Recipe is a “Do It Yourself” platform and does not include the help of any investment expert or relationship manager. We have tried to cover most of the queries in our FAQs and ''How to use'' section. If you have any particular query, you can email us at support@finology.in

However, if you need a relationship manager for personalised investment support, you can apply to our investment advisory service ''Reserve''. Please bear in mind that we shall not provide any assistance or service on the following matters:- Reviewing Your Existing Portfolio and Queries related to Stocks or Mutual Fund that are not covered by Recipe's Finology 30 or Reserve.

No. Given all the complexities of the Stock Market, no one can provide you with guaranteed returns or the guarantee of returns, and so, neither do we. But rest assured, we do guarantee our best efforts in finding the right investment option for you.
 

Investment Insights provide you access to portfolio strategies, industry research and investment trends that will help you ease your investment journey. You can view your Investment Insights from here.
 

Your personalized investment plan is prepared based on your financial appetite, goals, and cash flows. It may not be suitable for someone else. So, it is not advisable to share the subscription with others.
 

Our stock selection is based on long-term approach and value investing philosophy. We do not provide any intraday or short-term recommendations.

Cryptocurrencies are highly volatile in nature and are not considered reliable. Additionally, they do not have any regulators or government bodies backing them. Hence, the security of funds always remains an issue with them. Considering its constraints and some more, we do not recommend investing in cryptos.

We do not provide any kind of trading tips or strategies. We believe in inculcating long-term investing habits based on solid fundamentals with time-tested value investing principles. Our aim is to build quality portfolios driven by fundamental analysis.

Yes, an NRI can invest in the Indian market, but there are restrictions on some financial instruments. So, if you are an NRI, check these limitations before investing or applying for our services.

Knowing where you stand is important before you start creating goals. Hence, you cannot use "My Goals" tools unless you have used all the "Financial Checkup" tools in Recipe. Before using the Goal Calculators, make sure you use all the Financial Checkup tools, i.e., Spending Habit, My Finance, Emergency Fund, Insurance, Debt & Risk Profile (in the same sequence).

We have tried to cover most of the queries in our FAQs and ''How to use'' section.

If you have any particular query, you can email us at support@finology.in However, if you need a relationship manager for personalised investment support, you can apply to our investment advisory service ''Reserve''. Please bear in mind that we shall not provide any assistance or service on the following matters:- Reviewing Your Existing Portfolio and Queries related to Stocks or Mutual Fund that are not covered by Recipe's Finology 30 or Reserve.

An emergency fund is a cash reserve that's specifically set aside for unplanned expenses or financial emergencies. Some common examples include car repairs, home repairs, medical bills, or a loss of income.

You can use the Emergency Fund tool under Recipe's Financial Checkup section to check if your emergency fund is adequate or not.

<p>Insurance tool enables users to evaluate the minimum insurance cover requirement as per their needs and lifestyle and assist them in computing how much additional coverage they need to take beyond their existing policies.</p>

Free Reports section in Recipe is our coverage on quality picks in various categories of financial instruments like mutual funds, insurance, FDs, NPS, etc. These can be used to understand top picks in various categories.

Debt tool helps users scan their debt status and identifies whether the user is at the risk of running into a debt trap. It considers both the running EMIs as well as total loans to check the debt status.

Financial Health Score tells you the health of your financial profile. It is a summary of your input-based scores calculated in all the tools of Recipe's Financial Checkup section.

Spending Habit tool helps the user understand whether their monthly expenses are beyond an acceptable limt, which might hinder their abilities to achieve important goals in life. It can help the user view if they are overspending, which can be cut down for more savings.

This can also help you update your income and spend details, which further updates all other tools in entire Recipe.

Yes, the fair value of the stock is mentioned in Finology 30's Stock Research Reports, termed as 'Buy it Below' price.

Absolutely! You have the option to download Recipe's Free Reports and access them offline at your convenience.

If you have subscribed to Finology 30, you will get important updates on the stocks in Recipe's "Notification"section and emails. These updates could include buy/sell alerts, quarterly results, corporate announcements and much more.

My Finance is a tool to add & update details about your wealth. It is a one-stop location to update your investment and loan details, which further updates all other tools in entire Recipe.

Allocation depicts the diversification of your investments & savings till date. It is a visualisation of your assets based on your inputs in the My Finance tool.

Net Worth depicts your true wealth, which is the excess of your assets over your liabilities, i.e, the amount of wealth left after repaying all loans. It is based on your inputs in the My Finance tool.

You can find the Premium Stock Research Articles in the 'Discover' page. Premium articles can be accessed only if you have an active subscription of Finology 30 or Finology ONE.

Discover section contains our coverage on various investment, money and stocks in the form of articles.

Goal Tracker is an advanced tool in Recipe using which you can increase your chances of achieving important goals. You can use it free of cost. Goal Traker helps you to prioritise your important goals and generate an SIP sturcture based on your goal priority.

We have some really exciting offers for you on subscribing to Finology 30! Check your eligibility for the offers on the subscription page: https://recipe.finology.in/app/subscription

You can refer to the detailed user guide available on our website for step-by-step instructions on using Finology 30 effectively. Click here to go through the user guide.

While purpose-specific instruments like PPF, PF, APY, etc., are not part of Recipe currently, we might include them in further enhancements.Until then, you can add these instruments under Debt MF & Bonds. NPS can be included in Equity Mutual Funds.

Also, the monthly contributions can be included as SIP in Debt MF and SIP in Equity MF, respectively.

The inflation rate cannot be changed. It is based on our research of historical data for each goal, and we have kept it fixed to ensure accurate calculations.

Our focus is on helping investors build wealth over the long term. While some stocks may turn into multibaggers over time, we do not guarantee such outcomes and do not chase them. Our recommendations prioritise consistent long-term growth.

Finology 30 isn’t a traditional portfolio, so we don’t perform rebalancing. Instead, our team of analysts handpicks 30 stocks, and any buy or sell updates will be shared with you through timely notifications.