See Your Wealth Whole.
Plan It Intelligently.
The Wealth, Income & Planning module unifies your complete financial picture — assets, liabilities, income streams and goals — into a single AI-driven wealth intelligence dashboard.
Wealth Coverage
- Equity, MF, ETF, bonds & alternatives
- Real estate with ROI & rental tracking
- Gold, vehicles & collectibles
- Liabilities: loans, EMIs & guarantees
- Goal-based financial planning & simulation
Equity, MF, Real Estate, Gold, Crypto & More
Primary, Secondary, Consistent, Inconsistent
Assets Minus Liabilities, Updated Daily
Scenario Simulations for Financial Planning
Income Intelligence Engine
Understand Every Rupee That Comes In
Income is more complex than a single salary. Aranidhi classifies all income streams, maps them to their source assets, detects seasonal patterns, and scores stability and volatility — giving advisors and clients total income clarity.
- Income classification: Primary / Secondary / Consistent / Inconsistent
- AI inference of income from statement patterns — even unlabelled inflows
- Mapping income to its source: dividends → equity, rent → property, etc.
- Seasonal income detection with annualization for irregular earners
- Income stability & volatility scoring for financial planning and lending
AI Budgeting & Cashflow
Budgets That Actually Work for You
Aranidhi's AI budget engine doesn't just let you set limits — it generates a personalized budget structure based on your actual spending behavior, client tier and financial goals, then optimizes it over time.
- AI-generated category hierarchy: Head → Main → Sub category structure
- Covers expenses, investments and obligations in a unified budget
- Auto-allocation based on past spending behavior and income patterns
- Individual + family-level budget views with variance tracking
- What-if simulations: "what if I reduce dining by ₹5,000/month?"
Multi-Asset Management
Every Asset Class. One Unified View.
From listed equity to unlisted IP, from your SIP to your real estate EMI — Aranidhi tracks every asset you own with AI-assisted valuations, performance analytics and unified portfolio intelligence.
- Equity: trade book, holdings, WAP, realized/unrealized P&L
- Mutual Funds, ETFs and Bonds: NAV tracking, SIP performance
- Real estate: purchase price, current value, ROI, projected vs actual returns
- Gold: physical + sovereign bond + digital gold tracking
- Crypto & global assets with multi-currency conversion
- Vehicles (depreciation), collectibles, IP & royalties, and alternatives
Liability & Debt Optimization
Turn Debt Into a Strategic Tool
Liabilities aren't just numbers on a sheet — they're levers. Aranidhi's liability engine tracks every loan, computes optimal repayment strategies, and identifies hedging opportunities using your own investment portfolio.
- Loan ingestion and EMI schedule automation from statements
- Interest vs principal tracking for each loan with visual timelines
- Debt health indicators: DTI ratio, coverage ratio, stress score
- Prepayment and refinance scenario analysis with savings calculation
- Liability hedging strategies using investments: offset a loan with liquid MF
Reports & Insights
Every Report You Need. Powered by AI.
Aranidhi's wealth intelligence generates live, filing-ready and advisory-grade reports across every dimension of your financial life — automatically.
Net Worth Reports
Your Complete Wealth Picture — Live & Projected
Track your total financial position across every asset class with real-time updates, historical trends, and 5-year projections — all in one dashboard.
Live Net Worth
Real-time across all assets & liabilities
5-Year Projection
Scenario-based wealth trajectory
Monthly Snapshots
Historical net worth chart by month
Asset vs Liability
Breakdown ratio with health scoring
Total Net Worth
as on Apr 2026
LiveTotal Assets
Total Liabilities
Asset Breakdown
Income & Cashflow Reports
Know Exactly Where Money Comes In and Goes Out
Aranidhi classifies every income stream and expense category automatically — salary, rental, dividends, business income — and generates monthly P&L with 90-day cashflow forecasts.
- Income breakdown — salary, rental, dividends, freelance, business income classified automatically
- Expense heatmap — see your top spending categories month by month
- Monthly P&L — income vs outflow with savings rate and trend
- 90-day cashflow forecast — AI-predicted cash position with EMI and SIP calendar
- Irregular income detection — flags unusual credits, one-time inflows and salary changes
Monthly Income & Expense — FY 2025-26
Auto-UpdatedINCOME SOURCES
TOP EXPENSES
Portfolio & Asset Reports
Every Investment. Live P&L. One View.
Track XIRR, absolute returns and benchmark performance across your complete investment portfolio — equity, mutual funds, NPS, PPF, EPF, real estate and alternatives.
Portfolio XIRR
Absolute Gains
vs Benchmark
Asset Classes Tracked
- Live demat holdings from NSDL & CDSL with P&L
- MF NAV tracking with daily portfolio valuation
- PPF, EPF, NPS and FD maturity tracking
- Sector and theme concentration risk alerts
Asset Allocation & Performance
Goals & Financial Planning
Set Goals. Track Progress. Retire on Your Terms.
Aranidhi links your income, savings and investment data directly to your financial goals — so you always know if you're on track and what to adjust.
- Retirement planner — target corpus, SIP required, projected retirement date
- Goal tracking — education, home purchase, vacation, emergency fund
- What-if simulations — "save ₹10K more/month → retire 3 years earlier"
- Inflation-adjusted projections — see real purchasing power at retirement
- Goal-linked SIP recommendations — AI suggests optimal SIP amount per goal
Your Financial Goals — Progress Tracker
AI-Powered Insights
Your Personal CFO. Available 24/7.
Aranidhi's explainable AI surfaces actionable recommendations, risk alerts and optimization opportunities — proactively, before you even think to ask.
- Overspend alerts — notified the moment you exceed category budgets
- Tax-loss harvesting — AI identifies portfolio positions to sell for tax savings
- Rebalancing signals — when your allocation drifts from target by >5%
- Income anomaly detection — flags unusual credits or missing expected inflows
- Debt payoff optimizer — avalanche vs snowball analysis with exact savings shown
Your AI Insights — This Week
5 new alertsYou 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
Who Uses the Wealth Module
Individuals & Families
See your complete financial picture across all accounts, assets and loans — and plan your financial future with AI.
HNI Clients
Multi-asset wealth aggregation, liability optimization and HNI-grade portfolio analytics in one platform.
Financial Advisors
Give clients a live net worth view, run scenario analysis and generate AI-backed financial plans effortlessly.
Family Offices
Consolidated wealth view across all family members, entities and asset classes with proper attribution.