1. Aranidhi
  2. Solutions
  3. Individuals & Families
For Individuals & Families

Your Complete Financial Life,
Intelligently Managed

From salary and savings to investments, insurance, taxes and goals — Aranidhi gives individuals and families a unified AI-powered command center for every rupee.

Get Started Free See Pricing
10+
Asset Classes
AI
Tax Optimizer
Real-Time
Net Worth
100%
Secure

What You Get

  • Unified account & investment view
  • AI-powered budgeting & spending alerts
  • Tax planning & ITR filing support
  • Goal-based financial planning
  • Family wealth consolidation
₹2.4Cr

Average Net Worth Tracked per User

70%

Reduction in Tax Prep Time

AI Budget

Auto-detects Overspend in Real-time

5-Year

Financial Projections & Planning

Net Worth Dashboard

Your Complete Wealth Picture — Updated Live

See your total net worth across every asset — savings, FDs, equity, mutual funds, real estate, gold, PPF, EPF, and more — in one unified dashboard. Updated automatically every time a transaction comes in.

  • Equity, MF, NSDL/CDSL demat holdings pulled live
  • Real estate and physical assets with current market value
  • All liabilities — home loans, car loans, credit cards — subtracted automatically
  • 5-year net worth projection based on your actual income and savings rate
  • Compare your wealth trajectory to your financial goals
See it in action

AI Budgeting

Budgets That Actually Work — Because AI Builds Them From Your Data

Traditional budgeting apps make you enter data manually. Aranidhi reads your bank statements, classifies every transaction automatically, and builds a budget that reflects how you actually spend — then alerts you before you overspend.

  • Auto-categorizes every transaction — groceries, dining, EMIs, rent, SIPs
  • AI detects unusual spending patterns and sends smart alerts
  • Month-over-month spending trends with drill-down by category
  • Income vs. expense ratio analysis with savings optimization suggestions
  • Goal-linked budgets — vacation, home down payment, education
See it in action

Tax Intelligence

File Your Taxes Confidently. Let AI Do the Calculation.

Aranidhi connects to AIS, 26AS, GSTN and your investment accounts to compute your exact tax liability across all income heads — salary, rental, capital gains, business income — and recommends the optimal regime.

  • Auto-imports AIS and 26AS — no manual data entry
  • Capital gains computation across equity, MF, real estate and gold
  • Old vs. New regime optimizer with exact savings shown
  • Tax-loss harvesting suggestions based on your portfolio
  • Filing-ready summary — hand to your CA or file directly
See it in action
File Your Taxes Confidently. Let AI Do the Calculation.
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
Every Investment. Every Asset Class. One View.

Investment Tracking

Every Investment. Every Asset Class. One View.

Track your equity portfolio, mutual funds, NPS, PPF, EPF, FDs, real estate, gold, sovereign bonds, and even crypto — all in one place, with live P&L, XIRR, and benchmark comparison.

  • Live P&L and XIRR across all investment types
  • Benchmark comparison — how your portfolio fares vs Nifty 50, Sensex
  • Dividend and interest income tracking and reconciliation
  • Consolidated XIRR across your full portfolio
  • SIP tracking with projected corpus at different return assumptions
See it in action