1. Aranidhi
  2. Modules
  3. Core Processing & Intelligence
Module Group 2 · Data Ingestion · AI Classification · Accounting

From Raw Bank Statement
to Financial Intelligence

The Core Processing module ingests data from every financial source, applies OCR + NLP to classify every transaction automatically, and feeds a fully automated double-entry accounting engine.

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20+
Data Sources
AI OCR
+ NLP Engine
Double-Entry
Accounting
<5s
Processing Time

Intelligence Pipeline

  • Bank, credit card & broker statement OCR
  • AI transaction classification (200+ categories)
  • Automated double-entry accounting
  • Real-time P&L and balance sheet
  • Continuous reconciliation & error detection
Multi-Source

Banks, Cards, NSDL, CDSL, Loans, Insurance

Auto-Classification

Income / Expense / Asset / Liability

Learning Loop

Manual Corrections Improve the AI Model

Full Reconciliation

Across Bank, Card and Loan Accounts

Statement Ingestion

Every Financial Source. One Unified Pipeline.

Stop manually exporting and uploading statements. Aranidhi connects to banks, credit cards, NSDL, CDSL, loan servicers, and insurance providers — with OCR + NLP turning even scanned PDFs into structured data automatically.

  • Banks, credit cards, NSDL, CDSL, loans and insurance — all in one pipeline
  • AA (Account Aggregator) integration for real-time, consent-based data flow
  • OCR + NLP engine extracts data from PDFs, scanned images and structured feeds
  • Auto-detection of statement format, date range and currency
  • Duplicate detection and data deduplication across sources
See it in action
Every Transaction Classified. Automatically.

AI Classification Engine

Every Transaction Classified. Automatically.

Aranidhi's AI doesn't just categorize transactions — it classifies them into income, expense, asset, liability or transfer buckets, links them to the right financial object, and learns from every manual correction you make.

  • Auto-classification into Income / Expense / Asset / Liability / Transfer
  • Auto-linking to the right asset, loan EMI, investment SIP or income source
  • Merchant recognition and category intelligence (3000+ merchant patterns)
  • Manual correction mode with human-in-the-loop learning loop
  • Confidence scoring — low-confidence items flagged for human review
See it in action

Accounting Automation

Bank-Grade Accounting. Zero Manual Entry.

Every classified transaction is automatically mapped to double-entry accounting ledgers. Aranidhi maintains journals, creates entries, handles accruals, and generates period-close reports — all without a single manual entry.

  • Transaction-to-ledger mapping with double-entry accounting automation
  • Journal entry creation, ledger maintenance and period-close automation
  • Accrual accounting and prepaid/deferred transaction handling
  • Full bank-to-ledger reconciliation with discrepancy flagging
  • Audit trail for every accounting entry — tampering-proof records
See it in action
Bank-Grade Accounting. Zero Manual Entry.
Performance-Based Pricing

You 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 Investors

Performance Fee

10%

on actual returns generated

Min: ₹5 Cr liquid or ₹10 Cr total
Book a Consultation
  • Unified Wealth Dashboard
  • Multi-Asset Portfolio Tracking
  • Goal Planning & Projections
  • Tax & XIRR Reports
  • Dedicated Wealth Advisor
  • Family Office Features
Most Chosen

Elite

For Ultra-HNI Investors

Performance Fee

8%

on actual returns generated

Min: ₹10 Cr total net worth
Book a Consultation
  • Everything in Growth
  • Advanced Risk Analytics
  • PMS & AIF Integration
  • Quarterly Strategy Review
  • Priority Relationship Manager
  • Estate & Succession Planning

Institutional

Family Offices & Institutions

Performance Fee

Bespoke

Negotiated based on corpus & complexity

Net Worth: ₹10 Cr+ all assets
Contact Our Team
  • Everything in Elite
  • Family Office Dashboard
  • Multi-Entity & Multi-Member
  • Private Credit & Alternatives
  • White-Glove Onboarding
  • 24×7 Dedicated Support
Don't Just Track Spend. Understand It.

Expense Intelligence

Don't Just Track Spend. Understand It.

Beyond categorization, Aranidhi's expense engine analyses patterns, detects anomalies, benchmarks lifestyle vs essential spending and surfaces behavioral finance insights that power budgeting and planning decisions.

  • AI expense categorization with Head → Main → Sub hierarchy
  • Family-level consolidated spend tracking and comparison
  • Spending behavior analysis — lifestyle vs essential vs obligation
  • Anomaly detection: unusual spends, duplicate charges, suspicious patterns
  • Cashflow trend analysis with 90-day and 12-month visualizations
See it in action