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 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

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.

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.

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.

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.

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 Free Research Articles in the 'Discover' page. 

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.

Whenever a new stock is added, you will receive a notification on your registered WhatsApp number and email. The update will also be available in the Notifications section of your dashboard.

Each stock has a Status tab indicating whether it is marked as Buy, Sell, or Hold, helping you make informed investment decisions.

On the Stocks page, under Browse Stocks, you’ll find a month-wise dropdown. Select any month to view the stocks that were added during that period.

We do not offer an installment option. However, you can opt for our Quarterly Plan at Rs. 4,999, which automatically renews every quarter.

A grace period is a time given to you after your subscription expires so that you can renew it without any interruption.
If you renew your subscription within the grace period, you only need to pay the renewal price of Rs. 6,999.
This helps you continue the service smoothly without losing access or benefits.

If the grace period ends, you will need to pay the full subscription amount of Rs. 11,999 to continue accessing Finology 30.

The grace period will be available for 7 days.

Yes. After renewal, you will continue to see the same stocks on your dashboard and receive buy and sell alerts along with regular updates. Any new stock activity will also be reflected on your dashboard.

No, you do not need to complete KYC again if you renew your subscription within the grace period.
If the grace period expires, you will be required to complete the KYC process again.

The minimum recommended investment horizon for Finology 30 is 5+ years.
 

Finology 30 is designed for long-term wealth creation through disciplined equity investing. The approach focuses on owning high-quality businesses and holding them over long periods, allowing investors to benefit from the power of compounding over time. It is not meant for short-term trading or quick gains, but for investors who prefer a long-term, business-ownership approach to investing.

No, Finology 30 does not provide Stop-loss levels, Short-term target prices, or Percentage upside or downside projections.
We focus on business fundamentals rather than price speculation.

At Finology 30, all 30 stocks are not disclosed upfront. Instead, 2–3 stocks are released every month in a staggered manner.
This approach helps investors buy quality businesses at better valuations and invest more systematically over time.

By the end of the first year, the portfolio typically builds up to around 30 stocks.
From the second year onwards, subscribers continue to receive Buy-It-Below price updates, BUY / HOLD / SELL alerts, and ongoing thesis updates.
Finology 30 generally has around 20% annual churn, meaning about 5–6 stocks may be replaced in a year as part of periodic portfolio updates.

These statuses help you understand exactly what action (or inaction) is recommended on each stock.

• Buy means it’s currently favourable to add the stock.
• Sell means we recommend exiting your position.
• Hold means if you already own it, simply keep it; and if you don’t own it, skip buying for now.
• Review means our research team is reassessing the stock due to recent developments, and we’ll update the final Buy/Hold/Sell call once the review is complete.

Yes. Your information is collected only to meet SEBI regulatory requirements.
We follow strict data-protection and access-control practices, and your information is stored securely and not shared with third parties, except where required for regulatory compliance.

The declaration confirms that:
 

• You are using Finology 30 for your own investments.
• The investments are made using your own income.
   

Finology 30 is designed for individual use and self-investment. If another family member wishes to use the research, they would need to subscribe separately in their own name.

As per SEBI regulations, dependent family members (such as spouse, parents, or children) may be treated as a single “family unit” for the purpose of applying fee limits.
The declaration simply helps ensure compliance with SEBI’s prescribed fee regulations.