Free · 24/7 · Telegram
Your 24/7 AI finance advisor on Telegram — free
Ask about SIPs, mutual funds, tax, NPS or insurance any time and get a clear, plain-language explainer in seconds. Built by Pratik Bajoria — Chartered Accountant, NISM-certified Research Analyst & Mutual Fund Distributor.
Why investors use it
Always on
Ask at midnight or on a Sunday — the bot replies 24/7 inside Telegram.
Free to use
No sign-up form, no app download. Open @Findost_bot and type your question.
Same brain as PaisaGuru
Uses the same answer engine as PaisaGuru by Findost on WhatsApp and findost.io.
CA-written knowledge base
Answers draw on Findost’s training library written for Indian investors by a Chartered Accountant.
Human handoff
For personalised decisions, you are routed to Pratik Bajoria and the Findost desk — not left with a bot.
No buy/sell calls
Education, not tips. It never promises returns or tells you which stock to buy.
Questions you can ask
- “How much SIP do I need for ₹1 crore in 15 years?”
- “Old vs new tax regime — which suits my salary?”
- “Direct vs regular mutual fund: what is the real cost difference?”
- “How big should my emergency fund be?”
- “What is LTCG tax on equity mutual funds, and how does harvesting work?”
- “NPS vs PPF for retirement — how do they compare?”
- “How much term insurance cover do I need?”
- “What are the main mutual fund categories?”
- “Section 54EC bonds — how do they save capital gains tax?”
Prefer numbers? Pair answers with the free Findost calculators and guides.
How it works
1
Open the bot
Tap the button below or search @Findost_bot in Telegram and press Start.
2
Ask in plain words
Type a money question the way you would ask a friend who is a CA.
3
Get an explainer
You get an educational answer with the key rules, trade-offs and a risk disclaimer.
4
Talk to a human
Want advice for your own portfolio? Ask for a review and the Findost desk takes it from there.
Need advice for your own money? Talk to Pratik.
The bot explains; it does not decide for you. For scheme selection, a portfolio check or goal planning, the Findost desk led by Pratik Bajoria reviews your situation personally.
FAQ
Is the Findost AI Advisor on Telegram free?
Yes. Open https://t.me/Findost_bot in Telegram and start asking — there is no charge to chat with the bot.
Is it the same as PaisaGuru by Findost on WhatsApp?
Yes — the Telegram bot and PaisaGuru by Findost on WhatsApp share the same answer engine. Use whichever app you prefer.
Does the bot give personalised investment advice?
No. The bot gives education only, not personalised investment advice or buy/sell recommendations. Personalised questions are escalated to a human advisor at Findost (Pratik Bajoria, Chartered Accountant and NISM-certified).
What topics can I ask about?
Personal-finance topics for Indian investors: SIPs and mutual funds, direct vs regular plans, asset allocation, emergency funds, old vs new tax regime, Section 80C, equity taxation, NPS and PPF, term insurance, bonds and FDs, and stock market basics.
Who is behind Findost?
Findost Wealth is an AMFI-registered mutual fund distributor (ARN-273798), founded by Pratik Bajoria, a Chartered Accountant and NISM-certified professional.
The Findost AI Advisor provides general education, not personalised investment advice or recommendations. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Findost Wealth — AMFI-registered mutual fund distributor, ARN-273798. Findost (findost.io) and PaisaGuru by Findost are not affiliated with Findoc, FinDost, or other similarly named brands. PaisaGuru is the AI wealth concierge of Findost.