Shruti Sharma contributes by driving the Digital Strategy at INVESTOCAFETM. She is also a PhD scholar at Symbiosis International (Deemed University) with wide range of experience inclusive of digital marketing, content creation, academic training. She has also worked as Senior Business Associate with NIIT Technologies Ltd. (now Coforge). Her area of work is multidisciplinary and includes behavioral finance, financial services & customer engagement in digital platforms. She published research papers in reputed journals and presented papers related to mutual fund, crowdfunding & customer engagement in IIM-I, IIM-S and SCMHRD.
- Founder and Head of Marketing
Anvesh is committed to make life simpler for investors , CIEL(Centre for Investment Education & Learning) Certified Level 1, AMFI Certifed, Capital Market & Derivatives Market Certifed from NISM & pursuing Ph.D. in Cloud Funding. The idea of Investocafe is his brain child. He leads the idea of simplifying investments and committed to make the investment process simple and delightful. He posses deep understanding of products being offered through Investocafe platform, and has a stint of more then 15 years in banking and investment industry at key leadership positions, and is associated with other start ups too.
- Founder and Head of Operations
Rahul is a professional graduate and posses wide experience in the field of investment. He has worked with HDFC Bank and Citi Bank and handled array of investment products. He is competent of scaling up operations and delivery of felicitous services with customer satisfaction. Rahul brings in experience of
14 years of hard work spent while understanding the operational intricacies of various financial and investment products to Investocafe.
- Founder and Head of IT
Neha ensures the smooth functions of online platform and provide cutting edge solutions for complex execution. She is also taking care of maintaining the database and security solutions for Investocafe. Neha holds Masters degree in Computer Science and has a 15 years of experience in the technical field. Neha is author of book named PC-Software, which is part of course curriculum for BCA in DAVV (Devi Ahilya University), Indore. Neha will be leading online engagement and initiatives for exciting customer experience on the platform of Investocafe.
- Founder Member
Neelam is a committed and proactive professional who retired from the Indian Army as a Captain. During her service in the Indian Army she has served in the most inhospitable terrain and inclement weather conditions wherein she dealt with Human Resource in great depth alongside handling of multifarious equipment of Indian Army. Neelam at Investocafe takes care of the HR department and makes sure that it defines high ethical standards and professionalism to help take our organisation to the next level.
Brig Sanjeev Manchanda (Retd)
- Business Head
Sanjeev has nearly 35 years of distinguished & impeccable career in different terrains and roles with vast experience in Strategic Planning, Policy Formulation, Budgeting and Cost Control and Regulatory Compliance besides others. He was last associated as Brigadier (Budget & Coordination) at ST Directorate, Army Headquarters, Delhi. An alumni of Shri Ram College of Commerce, also holds M.Phil, MBA and MMS degrees. Is extremely skilled at managing all activities in close coordination with all stakeholders for smooth operations and has expertise in building and leading large teams to leverage internal & external resources to achieve organizational goals.
- Marketing Manager
Manvi has a rich work experience of 13 years into Agency Channel & Corporate Marketing in Tata AIA Life Insurance Company Ltd in Mumbai. Her immense dedication and passion towards work has won her many accolades and accomplished her as a "Go-Getter". After a successful stint into the corporate she decided to pursue her long-fond passion for writing hence she is now a successful Parenting blogger. In Investocafe, she takes care of Marketing and is responsible for Planning, creating and overseeing long-term marketing strategies including the digital platforms. She also ensures expansion of Brand’s awareness/visibility through various marketing activities hence contributing towards the growth of the company.
Sameer has over 20 years of experience in consumer finance, development finance and management consultancy. Sameer is promoter of Disha Micofin pvt ltd (now, Fincare Small Finance Bank Ltd), which started as a pioneering micro finance institution based in Gujarat, west India. In his professional stint, Sameer has led his financial services distribution company in Gujarat to top position in the region, also expanding to Mumbai, Pune and Bengaluru. Sameer was also associated with Gujarat Lease Finance Limited and Core HealthCare Ltd. Sameer is a B.sc. (Mathematics) and MBA (Marketing).
Sameer has over 22 years of experience as a Banking & Financial services professional. Have traversed through it all- from traditional banking constituting manual ledgers and passbook entries to todays digital banking constituting mobile apps and e-wallets. Along the way people leadership, team management and strong execution capabilities were the key strengths that got acquired and honed during these years.In this long journey sameer has worked with organisations with repute like Bank Of India, ICICI Bank, Fullerton India & Adani Capital. His passion of running marathons and Ultra Marathons has taught him that no aim is impossible if you set your eyes on it and work with focussed approach.
Vivek has over 17 years of experience in the financial services industry. Vivek has worked with stalwarts of financial industry likeAmerican Express Bank Ltd, ICICI Bank Ltd and Reliance Capital Ltd at key leadership roles . In 2009 vivek started with Disha Microfin Pvt Ltd as a co-promoter. Disha Microfin got banking license from RBI and recently launched its banking operations in the name of Fincare Small Finance Bank Ltd. Vivek is also associated as a co-promoter with iLife which is engaged into healthcare services. Vivek has an experience of managing large teams and setting up distribution channels across rural and urban markets. Vivek is a graduate in science and Masters in Business Administration.
Indore based Investocafe offers customised financial solutions, through their proprietary platform to over 150 locations in India. With automation and tech enabled platform all these services are available in paperless and hassle-free format, Investocafe claims to have created a niche in the competitive Financial industry by their strong ties with Mutual Fund companies and Sturdy Customer Association.
In this fast-growing world of digitization,I realized unavailability of a platform which caters to End to End financial needs of a customer electronically. That is how the bootstrap Investocafe came into existence in 2015, along with Rahul Gehlot and Neha Joshi. Investocafe is my brain child. I firmly believe in the idea of simplifying investments and committed to make the investment process simple and delightful.I have a stint of more than 8 years in banking and investment industry at key leadership positions and am associated with other start-ups too.
Indore based Investocafe offers customized financial solutions, through their proprietary platform to over 150 locations in India. With automation and tech-enabled platform all these services are available in the paperless and hassle-free format, Investocafe claims to have created a niche in the competitive Financial industry by their strong ties with Mutual Fund companies and Sturdy Customer Association.
AMC'S ON BOARD
Commission Rates(PAYOUT STRUCTURE)
Here’s a list of Mutual Fund companies that we work with and the commission rates we earn from them.
Introduction : Investocafe has a holistic approach towards its customer on setting up service standards and continuously improvising customer experience based on market practice, regulatory requirement as well as customer feedback across multiple channels. Investocafe ensures to provide multiple channels to customers to provide feedback on the services as well as to lodge their rievances. Investocafe aims to ensure quick and effective handling of customer grievance, as well as prompt corrective & preventive action in order to avoid recurrence. In order to meet the above objective, Investocafe outlined a framework for redressal of customer grievances and documented it in the form of a policy for the reference of its customers. Investocafe shall ensure that the Customer Grievance Redressal Policy is also available in public domain (on its website and at branches).
Scope and Objectives:The objective of the policy is to spell out the framework for Grievance Redressal and to ensure that:
All customers are treated fairly and in an unbiased manner at all times
All issues raised by customers are dealt with courtesy and resolved on time
Customers are made completely aware of avenues to escalate their grievance and their rights to alternate remedies if they are not fully satisfied with the response or resolution to their grievance
The employees shall work in good faith and without prejudice towards the interest of the customer Through this policy, Investocafe shall ensure that a suitable mechanism exists for receiving an with specific emphasis on resolving such cases fairly and expeditiously regardless of source of the case. The policy entails adherence to the provisions prescribed by the regulator from time to time.
Tenets of grievance redressal:Investocafe shall be guided by the following tenets in its approach to grievance redressal:
Customer Awareness: Investocafe shall endeavour to make continuous efforts to educate its customers to enable them to make informed choices regarding products as well as channels to approach for grievance redressal.
Fairness & transparency: The customer’s grievance shall be examined in all fairness and Investocafe shall take a balanced approach to resolve the same in a timely and efficient manner.
Escalation: All responses to customer grievances will provide an escalation matrix mentioning the details of the next level of grievance redressal for the customer.
Review: Investocafe shall have a regular process of internal review of customer grievances at multiple hierarchies to enhance Quality and effectiveness of customer service
Definition of Query and Complaint: Investocafe has clearly defined Complaints and Queries so that customer issues are logged accurately. Process of handling general customer grievances
Touch points to report customer grievances: Customers will be informed about the channels available for referring/seeking redressal of grievances. These are:
Turnaround time: Depending on the nature of the grievance, specific timelines have been set for different categories. Grievances shall be resolved in a proper and time bound manner with detailed advice to the customer. The customer is kept informed in case of any delay envisaged in resolution of the grievance beyond the stated timelines.
Sources of grievances: Apart from direct grievances from customer, grievances received through various regulatory bodies shall be handled centrally under the Grievance redressal cell.
Mode of response: Investocafe shall ensure that the mode of response is as per the mode of customer intimation received e.g. cases received through e-mail shall be responded though e-mail.
Escalation of grievances: Investocafe has a two-tier escalation mechanism for customer grievances, as given below:
Employee training and awareness: All employees at customer facing channels and other support departments shall be periodically trained in handling customer grievances. This would include functional training as well as training in soft skills.
Review & Oversight of monitoring customer grievances:
Analyse/conduct a root-cause analysis of the complaints logged on a quarterly basis. The analysis shall be carried out basis the nature and type of complaint with a view to identify areas of complaints which are endemic in nature and require process review / procedural change.
The analysis shall also include review of closure of case (adequacy of closure as well as timeliness). Key aspects of the analysis shall be highlighted to the senior management. Summary of the complaints received and closed shall be reported as part of calendar of reviews prescribed by the regulator.
Pro-active monitoring by the Complaints Management Cell shall be carried out at a monthly frequency on sample basis for frequent areas of complaints to raise issues to the concerned units including for cases not resolved or inadequately resolved or incorrectly logged.
Customer feedback by way of complaints and through structured Customer Service Committee meetings shall be analysed and acted upon.
The User hereby understands, acknowledges and confirms that in the event the application for subscription does not comply with the provisions of the Scheme Information Documents (SID), the AMC or Trustees or the Mutual Fund or its Registrar Transfer Agent (RTA) retains the absolute right and discretion to eject and not to process such application, and refund the subscription money without being liable for such rejection.
The User understands that the payment for the transaction request shall be through a payment gateway and the AMC/the Mutual Fund/ Trustees/Sponsors/CAMS will not be liable for any failures in the link or for any fraud (either at the payment gateway's end and/or the bank's end) that could take place at the time of making payment and the User undertakes to inform Investocafe immediately in case the Unit holder's bank account is debited but corresponding Units are not allotted to the Unit holder. Refund will be done by the AMC/Payment Aggregator as per the defined TAT and in the source account only.
You can invest as low as Rs 500 through SIPs & Rs 5000 in lumpsum, depending upon mutual fund you have selected to invest, however minimum amount for investment in mutual funds differs from scheme to scheme
KYC Stands for 'Know Your Customer'. Know your customer (KYC) policy is an important step developed globally to prevent identity theft, financial fraud, money laundering and terrorist financing. The objective of KYC is to enable banks to know and understand their customers better and help them manage their risks prudently.
Your personal details are absolutely safe with us and we will not share this with anyone apart from the regulators. The amount will get transferred from your bank account to AMC's mutual fund account directly and investments are always held with investors name.
Yes, you can transfer your investments to other broker ARN by giving broker code change request and also you can give instruction to redeem, subscribe, change in address etc certain request to AMC simultaneously having association with Investocafe too.
These funds are selected on certain parameters like past performance, return, selection of assets by fund etc and their ability to perform in future in recent market conditions which help you in achieving your goal within the time horizon. You can also invest in other funds too if you wish to and for that you need to inform us in advance in which fund you wish to invest.
Investocafe provides a continuous support to manage your online account and in case if you wish to close the same we can help you on that too. The investments will be in your name and can be kept ongoing irrespective whether you are keeping online account with Investocafe or not.
Please feel free to contact us on firstname.lastname@example.org or call us at 0731-4043703 for any kind of query it would be our pleasure to help you.