India's first AI-powered personal finance platform — multilingual, unbiased, and built for Bharat. No jargon. No commission bias. No English required.
The financial system was never built for them — and they know it.
India has only 1,300 SEBI-registered advisors for 1.4 billion people. Quality advice costs ₹10,000–₹50,000/year — out of reach for 95% of households.
80%+ of financial advice comes from agents who earn commissions — ULIPs, endowment policies, high-fee funds. The average Indian loses ₹2.3 lakh in suboptimal choices over a lifetime.
Only 11% of Indians are comfortable in English. All financial apps, calculators, and products are built exclusively in English. 700+ million people are locked out.
Every feature designed around the real pain points of Indian households — from calculators to AI-powered guidance.
Instant, accurate financial projections for every life decision — from home loans to retirement.
Personalised life-stage planning — from your 20s to retirement, mapped to your actual goals.
Unbiased financial education in your language — from stock market basics to retirement planning.
No paperwork. No English required. No waiting. Just clear, personalised guidance — in your language.
Select your preferred language from 22 options. Answer 5 quick profile questions. Live in 60 seconds — no paperwork.
Input monthly income, expenses, and financial goals — buying a home, child's education, retirement. Smart defaults by income & life stage.
ArthaAI engine processes your goals, income level, risk appetite, and life stage to build a personalised financial snapshot — in under 30 seconds.
Step-by-step recommendations: which SIP to start, how much to save, what insurance is missing, how to save tax. Plain language — zero financial jargon.
Ongoing financial education in your local language. Quarterly goal reviews. Smart nudges. The AI gets smarter as your data grows.
"No jargon. No bias. No English required. — ArthaAI speaks your language and thinks for your future."
Start for Free →22 scheduled Indian languages — voice + text. No competitor offers genuine multilingual financial guidance. This is ArthaAI's deepest and most defensible advantage.
We combine AI guidance + calculators + multilingual support + unbiased analysis in one platform. No one else does this.
| Feature | ArthaAI ✦ | ET Money | Groww | BankBazaar |
|---|---|---|---|---|
| AI Financial Guidance (Personalised) | ✓ | ✗ | ✗ | ✗ |
| Multilingual (22 Indian Languages) | ✓ | ✗ | ✗ | ✗ |
| Voice Input in Vernacular | ✓ | ✗ | ✗ | ✗ |
| Unbiased (Zero Commission Products) | ✓ | Partial | ✗ | ✗ |
| Calculator Suite (100+ Formulas) | ✓ | Partial | Partial | Partial |
| WhatsApp Accessible | ✓ | ✗ | ✗ | ✗ |
| B2B Employer Module | ✓ | ✗ | ✗ | ✗ |
| Offline Mode | ✓ | ✗ | ✗ | ✗ |
| DPDP Compliant + Explainable AI | ✓ | Partial | Partial | Partial |
Every Indian deserves access to financial guidance — that's why our core is always free.
No credit card needed
₹999/year — Save 2 months
For employers, banks & NBFCs
"Artha is the foundation of all human endeavour. Without Artha, Dharma and Kama cannot be attained." — Chanakya, Arthashastra (~321 BCE)