Pros
1) They have physical presence. 2) They hire only freshers just to manipulate easily. 3) They give required hardware equipments.
Cons
1. Cold Calling Hell: Expect unlimited cold calls on leads that have been butchered by other RMs. You are pressured to generate revenue from these dead leads as if it’s solely your responsibility. 2. Workshops & Lead Generation: On top of cold leads, the company asks you to attend workshops to generate new leads yourself. These workshops are positioned as “learning opportunities,” but in reality, they are just a way to make you work harder to produce leads while the company benefits. 3. Data Collection & Financial Planning: Once a client agrees to discuss, you are responsible for collecting all their financial data and preparing the financial plan yourself. No support is provided, and your effort in doing this is rarely acknowledged or appreciated. 4. Execution & Commission: Even after the client agrees, you must execute everything — documentation, transactions, portfolio setup — while the commission goes straight to the company. Your hard work fuels the company’s revenue, but recognition and rewards are minimal. 5. Portfolio Monitoring = Endless Workload: After execution, monthly portfolio reviews are entirely on you. No system, no support, just relentless expectations. 6. Incentives = Nearly Impossible: The incentive structure is heavily skewed toward the company and managers. Despite promises from HR, earning meaningful incentives is nearly impossible. No effort is ever recognized. 7. Work Culture = Toxic Nightmare: Fincart pretends to be a structured, professional company. In reality: • Strict punch-in/punch-out times with monitored breaks • Managers and team leaders favor certain employees • Ego-driven, immature, and toxic management The floor often feels more like a school than a professional office. 8. Arbitrary Terminations: Employees, including senior heads, can be terminated without justification. Years of loyalty and hard work mean nothing if you fall out of favor. 9. Exit Experience = Horror Story: Once you resign, the company treats you as though you never existed. Expect unnecessary hurdles in verification, documentation, or final settlement. 10. Targets vs Salary: Expect to deliver 5X your monthly salary in revenue. You can roughly calculate anyone’s salary by dividing their target by 5. Unrealistic targets, zero support, toxic politics. Final Verdict: Fincart is a profit-driven, toxic, egoistic environment masquerading as a professional company. Effort is rarely acknowledged, and ex-employees are treated like ghosts. If you value your sanity, career growth, or ethical advisory work, stay far away. I cannot recommend Fincart to prospective employees or clients under any circumstances.