Cashflow Management Engine
Control Your Money Flow Like a CFO
Cashflow problems don't announce themselves — they creep up. The Cashflow Management Engine gives you CFO-grade visibility into your personal and family cash position: what's coming in, what's going out, what's predictable and where liquidity gaps will emerge — weeks before they happen.
Key Result
Always have money when you need it.
See exactly where every rupee goes
Never miss a payment again
Updated as transactions happen
Identifies idle money to put to work
What This Engine Does
Six powerful capabilities working in concert to solve your financial challenges.
Real-Time Inflow/Outflow Tracking
Tracks every credit and debit across all accounts in real time, giving you a live cash position dashboard updated continuously.
Liquidity Gap Prediction
Uses historical patterns and upcoming commitments (EMIs, premiums, school fees, advance tax) to predict cash shortfalls 30-90 days ahead.
Surplus Deployment Advisor
When surplus cash is detected, the engine recommends the optimal short-term parking — liquid funds, overnight FD, arbitrage funds — for maximum yield.
Recurring Commitment Tracker
Tracks all recurring financial obligations — EMIs, SIPs, subscriptions, premiums, rentals — and ensures cash is available before due dates.
Cash Efficiency Score
Rates how efficiently your cash is working for you — idle cash in savings accounts vs optimal deployment in liquid instruments.
Long-Term Cash Projection
Projects your cumulative cash position 6, 12 and 24 months forward based on income trends, spending patterns and committed outflows.
CFO-Level Clarity on Every Rupee You Hold
Know what you have. Know what's coming. Never face a preventable shortfall.
STEP 01
Live Cash Position
All accounts unified — updated every few hours.
STEP 02
30-Day Forward View
EMIs, SIPs, dues — all on one forward calendar.
STEP 03
7-Day Gap Alerts
Warning fires before any shortfall can hit.
STEP 04
Advisor Deploys Surplus
Idle cash invested. Gaps bridged. Shield built.
For Anyone Running Out of Month Before Running Out of Money
Cashflow stress is not an income problem — it's a timing and visibility problem. High earners run short. Business owners face liquidity crunches. Families miss SIPs. This engine gives you CFO-level cash clarity.
- Self-employed professionals with 30–90 day client payment cycles creating liquidity gaps that derail SIPs, EMIs, and quarterly advance tax payments
- Business owners managing personal liquidity alongside working capital needs — preventing business cash flow from bleeding into personal finances
- Families carrying ₹15,000–₹80,000/month in EMIs, insurance premiums, and SIPs with no structured liquidity buffer or rolling cash forecast
- HNIs with large one-time outflows — property settlements, children's education fees, or business investments — requiring runway planning 6–18 months in advance
RBI-Approved Transaction Data Only
Cash flow data is aggregated exclusively via RBI-licensed Account Aggregator channels — no screen scraping, no credential sharing, no third-party data warehouses. All analysis is read-only, based entirely on your authorized transaction history. Full revocation at any time, with complete data deletion on request under DPDP Act provisions.
Your Personal CFO Team
Managing cash flow is what separates wealth accumulators from perpetually income-stressed earners. Your dedicated Financial Advisor acts as your personal CFO — building cash reserves, scheduling large outflows, creating rainy-day buffers, and ensuring every rupee that flows through your life does so with intention and precision.
Plan My Cash Flow StrategyYou Pay Only When You Profit
Aranidhi charges a small percentage on your actual returns — not a flat subscription fee. No returns, no charge. Pure alignment of interests.
Minimum eligibility: ₹10 Cr total net worth or ₹5 Cr digital & liquid portfolio
Returns-Based Fee
Our fee is a percentage of the actual profits generated — charged only when you gain.
Zero Flat Fees
No monthly subscription. No setup cost. No hidden charges. Your success is our business model.
Full Transparency
Every fee deduction is visible in your dashboard — auditable and SEBI-compliant.
Growth
For HNI InvestorsPerformance Fee
10%
on actual returns generated
- Unified Wealth Dashboard
- Multi-Asset Portfolio Tracking
- Goal Planning & Projections
- Tax & XIRR Reports
- Dedicated Wealth Advisor
- Family Office Features
Elite
For Ultra-HNI InvestorsPerformance Fee
8%
on actual returns generated
- Everything in Growth
- Advanced Risk Analytics
- PMS & AIF Integration
- Quarterly Strategy Review
- Priority Relationship Manager
- Estate & Succession Planning
Institutional
Family Offices & InstitutionsPerformance Fee
Bespoke
Negotiated based on corpus & complexity
- Everything in Elite
- Family Office Dashboard
- Multi-Entity & Multi-Member
- Private Credit & Alternatives
- White-Glove Onboarding
- 24×7 Dedicated Support
Ready to Put the Cashflow Management Engine to Work?
Book a consultation and see how this engine — combined with 9 others — transforms your complete financial life.