❓ Frequently Asked Questions

Finmagine is a comprehensive investment analytics platform designed to help you make informed investment decisions. We provide:

• Real-time stock rankings with detailed performance metrics
• Professional DuPont analysis for company evaluation
• Quality scoring systems to identify strong businesses
• Portfolio management tools for tracking your investments
• Educational resources to improve your investment knowledge

Welcome to investing! Here's your step-by-step roadmap:

1. Education First: Visit our Learn section for beginner-friendly articles
2. Understand the Basics: Learn key terms in our Financial Glossary
3. Explore Quality Stocks: Use our Rankings to see top-performing companies
4. Start Small: Begin with blue-chip stocks or diversified mutual funds
5. Use Our Tools: Track your investments with our Portfolio manager

No, you don't need a trading account to use most of our features. Finmagine is an analysis and research platform, not a broker.

What you can do without a trading account:

• View stock rankings and analysis
• Access company financial data
• Use our research tools
• Create virtual portfolios for tracking
• Read educational content

To actually buy/sell stocks, you'll need to open a demat and trading account with a SEBI-registered broker like Zerodha, Upstox, ICICI Direct, etc.

You can start investing with as little as ₹500 per month through SIPs (Systematic Investment Plans) in mutual funds.

Different investment options by amount:

• ₹500-2,000/month: Start with equity mutual fund SIPs
• ₹2,000-10,000/month: Add direct stock investments and diversify
• ₹10,000+/month: Build a comprehensive portfolio with stocks, bonds, and alternatives

Our ranking system uses a comprehensive multi-factor model that evaluates stocks across several dimensions:

Financial Health (40%):

• Debt-to-equity ratio
• Current ratio and liquidity
• Return on equity (ROE)
• Profit margins

Growth Metrics (30%):

• Revenue growth (1, 3, 5 years)
• Earnings growth consistency
• Market share expansion

Valuation (20%):

• P/E ratio vs. industry average
• Price-to-book ratio
• PEG ratio for growth-adjusted valuation

Quality Factors (10%):

• Management quality
• Corporate governance
• Competitive moat

DuPont Analysis is a framework that breaks down Return on Equity (ROE) into three key components to understand what drives a company's profitability:

ROE = Net Profit Margin × Asset Turnover × Equity Multiplier

This helps you understand:

• Profit Margin: How efficient the company is at converting sales to profit
• Asset Turnover: How effectively the company uses its assets to generate sales
• Equity Multiplier: How much leverage (debt) the company uses

We maintain multiple data refresh schedules to ensure accuracy:

• Stock Prices: Real-time during market hours (9:15 AM - 3:30 PM)
• Financial Metrics: Updated within 24 hours of company announcements
• Rankings & Scores: Recalculated daily after market close
• Company Fundamentals: Updated within 48 hours of quarterly results
• News & Announcements: Real-time as they break

Yes! We offer several export and reporting options:

Export Options:

• Download stock lists as CSV or Excel files
• Export portfolio data for external analysis
• Save custom stock screens and rankings
• Generate PDF reports for individual stocks

Custom Reports Include:

• Professional stock analysis reports
• Portfolio performance summaries
• Sector comparison reports
• Risk assessment documents

We provide a comprehensive suite of technical analysis tools:

Trend Indicators:

• Moving Averages (SMA, EMA, WMA)
• MACD (Moving Average Convergence Divergence)
• Bollinger Bands
• Parabolic SAR

Momentum Indicators:

• RSI (Relative Strength Index)
• Stochastic Oscillator
• Williams %R
• Rate of Change (ROC)

Volume Indicators:

• On-Balance Volume (OBV)
• Volume Rate of Change
• Accumulation/Distribution Line

Our Quality Score ranges from 0-100 and evaluates overall business quality:

Score Interpretation:

• 90-100: Exceptional quality, market leaders
• 80-89: High quality, strong competitive position
• 70-79: Good quality, above-average businesses
• 60-69: Average quality, proceed with caution
• Below 60: Lower quality, higher risk

Quality Score considers:

• Financial stability and consistency
• Competitive advantages and moats
• Management quality and governance
• Market position and brand strength
• Growth sustainability

Our ranking system goes beyond simple screening with several advanced features:

Traditional Screeners:

• Filter stocks based on basic criteria (P/E, market cap, etc.)
• Static, one-dimensional filtering
• Require manual interpretation

Our Rankings:

• Multi-factor scoring with weighted importance
• Dynamic rankings that adapt to market conditions
• Quality-focused with risk assessment
• Ready-to-use insights with clear explanations
• Sector-relative comparisons
• Time-series analysis for trend identification

You can access most features without an account, but creating one unlocks additional benefits:

Without Account (Free Access):

• View stock rankings and basic metrics
• Access educational content and glossary
• Read market news and analysis
• Use basic screening tools

With Free Account:

• Create and track virtual portfolios
• Save favorite stocks and watchlists
• Set price alerts and notifications
• Access detailed company reports
• Export data and create custom reports

We take data security seriously and implement multiple layers of protection:

Technical Security:

• 256-bit SSL encryption for all data transmission
• Secure cloud hosting with regular backups
• Two-factor authentication (2FA) available
• Regular security audits and penetration testing

Data Privacy:

• We never store trading account credentials
• No access to your actual investments or bank accounts
• Minimal data collection - only what's necessary
• GDPR compliant data handling

Yes, we offer several ways to import and track your existing investments:

Manual Import Options:

• Upload CSV files from your broker statements
• Enter holdings manually through our interface
• Import from Excel spreadsheets

Automated Sync (Coming Soon):

• Direct integration with major Indian brokers
• Real-time portfolio updates
• Automatic transaction recording

We offer a freemium model with substantial free features:

Free Forever Features:

• Basic stock rankings and scores
• Company fundamental data
• Educational content and glossary
• Market news and analysis
• Simple portfolio tracking (up to 20 stocks)

Premium Features (₹30,624 ₹5,089/year - Save ₹25,535!):

• Advanced screening and filtering tools
• Detailed DuPont analysis reports
• Unlimited portfolio tracking
• Real-time alerts and notifications
• Export capabilities and API access
• Priority customer support

No hidden fees, ever. Our pricing is completely transparent:

What's Always Free:

• Real-time stock prices (during market hours)
• Company financial data and ratios
• Basic analysis tools and rankings
• Educational content and news

No Charges For:

• Account creation or maintenance
• Data usage or bandwidth
• Basic portfolio tracking
• Customer support

Finmagine operates as a financial data and research platform. Here's our regulatory status:

What We Are:

• Financial data aggregation and analysis platform
• Educational content provider
• Investment research and tools provider

What We Are NOT:

• SEBI-registered investment advisor (we don't provide personalized advice)
• Stock broker or trading platform
• Portfolio management service
• Mutual fund distributor

Our platform provides data, analysis, and educational tools, but investment decisions remain entirely yours.

What Our Analysis Provides:

• Objective financial data and metrics
• Quantitative scoring and ranking systems
• Historical performance analysis
• Risk assessment indicators

What You Should Also Consider:

• Your personal financial goals and risk tolerance
• Current market conditions and news
• Advice from qualified financial advisors
• Your own research and due diligence

Please read these important disclaimers before using our platform:

Investment Risk:

• All investments are subject to market risk
• Past performance is not indicative of future results
• You may lose money, including your principal amount

Data & Analysis:

• Data is sourced from third parties and may contain errors
• Analysis is based on historical data and mathematical models
• Rankings and scores are opinions, not guarantees

No Personalized Advice:

• Our content is educational and informational only
• Not tailored to your specific financial situation
• Consult qualified advisors for personalized guidance