Welcome to Fintellect Intelligent Financial Solutions LLP

  • 128/57/A MC Mitra Road, Halisahar, Hazinagar, North 24 ParganasKolkata - 743135

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Who We Are

“Blessed is the man, who finds wisdom,

the man who gains understanding,

for she is more profitable than silver

and yields better returns than gold.

She is more precious than rubies;

nothing you desire can compare with her.

Long life is in her right hand; 

in her left hand are riches and honours.”


Our Products/Services

Financial Planning is the process of meeting one’s life’s goals through proper management of one’s personal finances. Life goals could include buying a house, saving for children’s education or planning for retirement.



Pension Fund Regulatory and Development Authority (PFRDA) has been established by the Government of India, Ministry of Finance on 10th October, 2003 to promote old age income security. National Pension System (NPS) is an initiative of PFRDA to regulate and develop the pension sector in India. It aims at building up a corpus sufficient enough to buy an annuity for their old age. 

A mutual fund is a pool of money, which is collected from many investors and is invested by an asset management company to achieve some common objectives of the investors.




A debt instrument represents a contract whereby one party lends money to another on pre-determined terms about rate and periodicity of interest, repayment of principal amount by the borrower to the lender. In the Indian securities market, the term 'bond' is used for debt instruments issued by the Central and State governments and public sector organizations and the term 'debenture' is used for instruments issued by private corporate sector. Bonds and debentures represent long-term debt instruments.

Portfolio management is the art of managing different asset classes with the purpose of meeting the investor’s financial objective as per his risk appetite. Appropriate risk- reward relationship, time horizon for reaching the desired financial goals and the amount of capital to be managed are the three basic ingredients of portfolio management.




Taxes in India are of two types – Direct and Indirect. Taxes that cannot be collected from third parties and whose burden directly falls on the tax payer are called Direct Taxes. Personal Income Tax, Corporate Tax and Wealth tax are examples of Direct Taxes. Indirect Taxes are those whose burden can generally be passed on to third parties and can be rightfully collected from them. The principal Indirect Taxes levied in India are Customs Duty, Excise Duty, Service Tax and Sales Tax.


Exchange Traded Funds are essentially Index Funds that are listed and traded on exchanges like stocks. An ETF is a basket of stocks that reflects the composition of an Index, like S&P CNX Nifty or BSE Sensex. The ETFs trading value is based on the net asset value of the underlying stocks that it represents; meaning thereby, that it is a mutual fund that can be bought and sold in real-time at a price that changes throughout the day.



A scheme, which invests predominant portion of its fund in equity and equity related instruments, is known as an equity scheme. This kind of a scheme exhibits all the attributes of an equity instrument viz., it has comparatively high risk, high return potential and extremely volatile. An investor entering an equity fund should understand that he is taking risk and should be prepared to remain invested in such a scheme for a long tenure. The aim of growth funds is to provide capital appreciation over the medium to long- term.

The cost of medical treatment is rising as days are passing by. As the age of human being or family size increase, medical expenses tend to rise significantly. Without a suitable health cover in place, medical expenditure can drain liquid assets and create a lasting impact on one’s financial plan. That is why, it is advised to purchase a suitable and appropriate health insurance policy, under which the cover is available for medical expenses incurred due to various health hazards. 


Life Insurance Planning is planning for a situation when the individual on whom the family is dependent for fulfillment of their goals is not alive. In case of one’s death, the family may face two types of losses: Financial Loss and Emotional Loss. While the latter happens in all the cases, the former happens if an earning member of the family dies. Life insurance helps the family to overcome this financial loss, by analyzing and estimating the financial loss the family is likely to incur and by considering one’s family expenses and future goals.

Apart from human capital, many other things need to be protected which include health, home contents, motor vehicles, etc. the three broad classification specified in Indian Insurance Act, 1938 and adopted by Indian insurance industry are: Fire Insurance, Marine Insurance and Miscellaneous Insurance.



Retirement planning generally looks at answering three fundamental questions:

·    Goal setting – How much does one need on retirement?

·    Contribution and time horizon – How much amount one can save on regular basis or lump sum for the retirement goal?

·   Risk tolerance – How much risk one can take to reach the retirement goal?






NCFM Certificate (NSE ACADEMY’S Certification in Financial Markets) – With a view to create a pool of human resources with right kind of expertise in financial market,NSE started NSE Academy Limited in 2016. Today NSE Academy professionally educate and give certificates to people who succeed in tests in different finance related educational programs like financial services, banking and financial literacy.

NATIONAL INSTITUTE OF SECURITIES MARKETS (NISM) -  The National Institute of Securities Markets (NISM) is a public trust established in 2006 by the Securities and Exchange Board of India (SEBI), the regulator of the securities markets in India. The institute carries out a wide range of capacity building activities at various levels aimed at enhancing the quality standards of and increase the participation in the securities markets. 



In India, the Licentiate is a vocational qualification offered by the special vocational boards or professional bodies. These are offered after completion of school education and are somewhat less extensive than a full-fledged university degree. Issuers of the Licentiate degree include but are not limited to the Insurance Institute of India, the Institute of Company Secretaries of India, the Association of Mutual Funds of India, and the Diploma Examination Board of the government of Andhra Pradesh.



A designation earned by insurance professionals and conferred by The Institutes. The Associate in Insurance Services, or AIS, designation indicates that the holder has demonstrated knowledge of the insurance industry, insurance principles and practices, as well as insurance contracts and how they should be managed.




CERTIFIED FINANCIAL PLANNER Certification (CFP) is a mark of excellence granted to individuals who meet the stringent standards of education, examination, experience and ethics. It is the most prestigious and internationally accepted Financial Planning qualification recognized and respected by the global financial community.



The Center for Professional Advancement - CFPA offers technical training and continuing professional education courses to those in the Pharmaceutical, Biotechnology, Medical Device, Chemical Engineering and Cosmetics industries. Our accredited training is ideal for professionals and companies seeking a combination of innovation and education. CFPA courses are offered in a variety of formats including in person training, customized onsite technical training (Client Site), and online technical training.


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