The Financial Intelligence
Infrastructure Built for India
Aranidhi is not just another fintech app. It's a full-stack financial OS — built on India Stack, powered by AI, designed to handle every aspect of a person's financial life.
Built on India Stack
- Account Aggregator (AA Framework)
- NSDL / CDSL / MF Central
- GSTN, UPI, Aadhaar eKYC
- RBI · SEBI · IRDAI · DPDP Aligned
From Raw Data to Actionable Insights
Individuals, Advisors, Enterprises
Live Net Worth & Cash Flow
20+ Explainable AI Models
Platform Architecture
Three Layers. One Unified Financial OS.
Every component of Aranidhi fits into a three-layer architecture — from secure data ingestion, through AI processing, to actionable insights.
Secure Ingestion
Connect every financial account via India's Account Aggregator, direct APIs, or OCR-powered PDF parsing. 20+ source types, real-time and scheduled.
- AA-based consent framework
- Banks, NSDL/CDSL, GSTN, UPI
- OCR + NLP for PDF statements
Intelligence Engine
AI models classify transactions, link to assets/liabilities, automate accounting, forecast income, detect anomalies, and optimize tax — with explainable outputs.
- NLP classification & auto-linking
- 20+ explainable AI models
- Human-correction learning loop
Actionable Intelligence
Live net worth, tax filing-ready reports, cash flow projections, advisor dashboards, HNI deal matching, and custom BI — all in role-specific views.
- Live net worth & 5yr projections
- Tax & GST ready reports
- Advisor, HNI & enterprise views
5 Module Groups
Every Capability You Need, Modular & Scalable
Use one module or the full platform — Aranidhi's modules are designed to work independently or as a complete unified stack.
Identity, Security & Governance
Multi-role financial identity graph. Feature-level access control, consent-driven architecture, encrypted vaults, audit logs and DPDP-compliant data governance.
ExploreCore Processing & Intelligence
Multi-source statement ingestion with OCR + NLP. AI auto-classifies every transaction, automates double-entry accounting and bank reconciliation.
ExploreWealth, Income & Planning
Full-spectrum wealth management — income intelligence, AI budgeting, multi-asset tracking, liability optimization and real-time net worth with 5-year projections.
ExploreTax, Reporting & Business Intel
AIS, GST and 26AS integration with capital gains computation and regime optimization. AI predictive models, multi-dimensional reports and custom dashboards.
ExploreEcosystem & Marketplace
Dedicated Advisor/CA ecosystem with client dashboards. India Stack integrations (AA, NSDL/CDSL, GSTN, UPI). HNI marketplace with pooled capital and deal matching.
Explore20 AI Capabilities
One Platform. Zero Silos.
Every module shares a single identity graph, data layer, and AI engine — no reconciliation needed, no double entry between tools.
India Stack Native
Built Deep into India's Financial Infrastructure
Aranidhi is one of the few platforms that integrates natively with all major India Stack components — not as an afterthought, but as the foundation. Every data flow is consent-based, every API call is audited.
- Account Aggregator (AA) for real-time, consent-based financial data
- NSDL & CDSL for live demat holdings, dividends and corporate actions
- GSTN integration for GST returns, ITC reconciliation and compliance
- UPI transaction flow analysis and categorization
- AIS, 26AS and TDS statement direct integration
- DigiLocker for document verification and identity anchoring
Security & Compliance
Bank-Grade Security. Regulatory-Grade Compliance.
Every byte of financial data in Aranidhi is encrypted at rest and in transit. The platform is architected to comply with RBI DPDP guidelines, SEBI reporting requirements, and IRDAI data standards.
- AES-256 encryption at rest, TLS 1.3 in transit
- DPDP-compliant consent architecture with granular feature-level controls
- Full audit trail for every data access, modification and export
- Role-based access control — advisors see only what clients consent to
- Zero-knowledge architecture for sensitive personal data
- SOC 2 Type II compliant infrastructure on AWS/GCP
Our AI Expert Engines
Your Financial Brain — Each engine is designed to solve a specific financial problem. Together, they create a complete wealth intelligence system.
Profile Analysis Engine
Your Financial DNA Decoded
- 360° financial identity — income, lifestyle, risk, goals
- Maps family structure & dependencies for planning
- Identifies hidden financial gaps & inefficiencies
- Creates your personal financial blueprint
Result: A strategy built for your life — not a generic plan.
Income & Asset Analysis Engine
Know Exactly Where Your Money Comes From
- Detects all income streams — primary, secondary, passive
- Links income to assets & investments automatically
- Identifies unstable or risky income sources
- Tracks growth trends & income efficiency
Result: Maximize income potential and reduce financial uncertainty.
Spending Analysis Engine
Stop Money Leaks. Build Smart Habits.
- AI analyzes bank, credit card & financial statements
- Detects unwanted & emotional spending patterns
- Auto-categorizes expenses with deep insights
- Daily spending alerts & optimization tips
Result: Save more without changing your lifestyle drastically.
Tax Planning & Optimization Engine
Pay Only What You Should. Not More.
- Real-time tax liability forecasting
- Suggests deductions, exemptions & tax-saving investments
- Compares old vs new tax regime intelligently
- Generates filing-ready tax reports
Result: Reduce taxes legally while staying fully compliant.
Risk Management Engine
Protect What You Build
- Evaluates insurance coverage gaps & overlaps
- Calculates risk exposure across assets & liabilities
- Suggests optimized insurance & hedging strategies
- Prepares you for financial emergencies
Result: Zero surprises. Full protection.
Cashflow Management Engine
Control Your Money Flow Like a CFO
- Tracks cash inflow vs outflow in real time
- Predicts future liquidity gaps
- Suggests smart parking of surplus funds
- Improves monthly and long-term cash efficiency
Result: Always have money when you need it.
Budgeting & Planning Engine
AI That Plans Your Financial Life
- Auto-generates intelligent budgets based on behavior
- Predicts overspending before it happens
- Aligns spending with financial goals
- Simulates future financial scenarios
Result: Financial discipline without effort.
Investment Management Engine
Grow Wealth Across All Markets
- Tracks equity, real estate, gold, bonds & banking instruments
- Provides portfolio diversification insights
- Detects underperforming assets
- Suggests intelligent rebalancing strategies
Result: Higher returns with controlled risk.
Integrity & Compliance Engine
100% Compliance. Zero Headaches.
- Ensures complete regulatory compliance
- Monitors financial inconsistencies & risks
- Maintains audit-ready financial records
- Supports secure data handling & privacy controls
Result: Peace of mind with zero compliance stress.
Net Worth & Asset Analysis Engine
Track, Grow & Project Your Wealth
- Calculates real-time net worth (assets – liabilities)
- Tracks wealth growth trends over time
- Provides future net worth projections
- Identifies wealth acceleration opportunities
Result: Clear visibility of your financial progress.