FinActivIntelligence Layer

Your money, in one story. A little more clarity, every day.

JOIN WAITLIST
[App QR code]
Get App
SCROLL TO EXPLORE

So we gave it one.

Money Health Check

Can you say yes to all 10?One honest minute with your money.

Ten Simple Illustrative, Yes or No questions about your financial journey, start with the first one right here.

About a minute. Your answers stay on your device.

Investment YESNOT YET Question 1 of 10

Do you know your real net worth today, everything you own minus everything you owe?

How it works

It’s scattered.Eight apps, zero picture.

Salary in one bank, SIPs with a fund house, shares with a broker, policies with three insurers, loans with two lenders.

It comes together.With your consent.

Choose the accounts to connect. FinActiv reads them securely and places every rupee you own and owe in one view.

It makes sense.One score, four lenses.

Investment, Planning, Insurance and Debt, scored together. In this sample journey, acting on one ranked fix at a time moved the score from 49 to 72 in six months.

It shows what’s next.Three things, in order.

Instead of forty charts, you get the few actions worth taking this month, ranked by how much they matter.

From data to direction

Financial intelligenceis our core offering.

We connect to your financial accounts with your consent, organise the data, layer it with intelligence and surface what truly matters.

Banks
Loans & credit cards
Mutual funds
Real estate
Stocks & demat
PF & gratuity
EPF / NPS
Alternate assets
Insurance
Goals & life events
FinActivFinancial Intelligence Core
Consolidated financial view
Personalised insights
What needs attention first
Goal tracking & projections
Smarter decisions, every step

Budgeting Engine

Every rupee, sorted.Automatically.

FinActiv reads your consented bank and card transactions, sorts each one into a clear category, and builds a monthly budget you can actually keep.

Bank & card feedLive
    September budget9 days left
    Safe to spend₹18,966

    Day 21 of 30

    Recurring detected

    Auto-categorisation

    Every bank and card transaction is sorted into clear categories. No manual entry.

    Smart budgets

    Monthly limits are suggested from your last three months of actual spending. You adjust them.

    Recurring detection

    EMIs, SIPs, subscriptions and rent are spotted automatically, so you see fixed versus flexible spend.

    Learns from you

    Fix a category once, like “Ravi Kumar is Rent”, and FinActiv remembers it.

    Sample transactions with fictional merchants, for illustration.

    Personalised insights

    What works for them may not work for you.No two money stories end the same way.

    Every financial journey is different and deserves personal attention. FinActiv’s insights are built on your income, goals, cover and commitments, not on averages or generic rules.

    ?Should I prepay my home loan?
    A
    Aarav, 29First job, new home loan
    Emergency fund2 of 6 months
    Home loan₹42 L at 8.6%
    DependantsNone
    Not yet

    Build your emergency fund to six months first. Prepaying now would leave you with no cushion if something goes wrong.

    • Emergency fund covers only 2 months
    • Prepay later with annual bonuses

    Sample profiles, for illustration only.

    Insights unlock as you connect more

    Start with one bank account. Every connection adds a new layer of understanding.

    1. Bank accountsSpending and emergency-fund insights
    2. InvestmentsAllocation and drift alerts
    3. InsuranceCover gap checks
    4. GoalsProjections and priorities

    A little more clarity, every day.

    Not just a dashboard. Here’s what’s waiting inside.

    Investment

    Everything you own and owe, together

    Banks, funds, shares, PF, property and loans roll up into one live net worth.

    Budgeting

    Budgets that build themselves

    Transactions sorted automatically, with monthly limits that track as you spend.

    Health score

    A score that explains itself

    See how you’re doing across Investment, Planning, Insurance and Debt, and why.

    Priorities

    Know what to fix first

    A short, ranked list of actions so your attention goes where it matters most.

    Planning

    See if your goals are really funded

    Projections for home, retirement and education, updated as your money moves.

    Insurance

    Spot the gaps in your cover

    Life, health and term policies side by side, checked against your stage of life.

    Debt

    Borrow smart, repay smarter

    Every loan and card with its true cost, and which one to clear first.

    Free Research

    Facts, not tips.Do your own research, properly.

    Free, factual fundamentals on stocks and mutual funds, explained in plain English. No hot tips and no buy or sell calls. Just the numbers you need to think for yourself.

    • Company financials and key ratios
    • Fund factsheet data and rolling returns
    • Side-by-side peer comparison
    • A plain-English glossary for every metric
    FreeDIY ResearchAvailable at launch for every user
    Coming soonPremium ResearchDeeper analysis for members
    Sample Industries LtdManufacturing · Large cap
    Illustrative data
    Revenue, ₹ crore
    FY22
    FY23
    FY24
    FY25
    FY26
    Sample Flexi Cap FundEquity · Direct plan
    Illustrative data
    Sector allocation
    Financials31%
    Technology18%
    Consumer14%
    Industrials12%
    Others25%
    Tap any number to see what it means in plain English.

    Research is factual and educational. It is not a recommendation to buy, sell or hold any security.

    Retirement simulator

    Rehearse your retirement.Before you live it.

    Try different combinations of retirement age, savings and lifestyle, and watch how long your money lasts.

    Retire at
    Lifestyle
    Adjust assumptions
    Corpus at retirement–
    Monthly expenses then–
    Money lasts until–

    Illustration only. Assumes constant returns and inflation. Not investment advice.

    We read your money.We never move it.

    Read-only access

    We see balances and holdings. We can’t pay, transfer or trade.

    Your consent, always

    Every account is linked only when you approve it.

    Disconnect anytime

    Remove a connection from settings and access stops.

    Encrypted throughout

    Your data is encrypted in transit and at rest.

    SEBI Investment Adviser INA000022358RBI Account Aggregator FIU

    About us

    The intelligence layerfor every financial decision.

    FinActiv is built by Acuity Insights Pvt. Ltd., a SEBI-registered Investment Adviser (INA000022358). We bring hyper-personalised intelligence to every money decision you make, shaped by your income, goals, family and commitments rather than generic rules.

    Our mission

    To give every Indian household one clear, honest view of their money, and the confidence to act on it.

    Our vision

    A future where sound financial decisions aren’t a privilege of the few, but an everyday habit for everyone.

    Clarity over complexityPlain language, the few numbers that matter, and nothing to decode.
    Your data, your controlRead-only, consent-based and revocable, always.
    Advice that fits your lifeGuidance built around your goals, not generic rules.

    The people behind FinActiv

    Navneet DagaCo-Founder

    Navneet is a capital markets professional with over 20 years of experience across some of India’s leading broking and wealth management houses, including Edelweiss and 360 ONE. An MBA in Finance and a derivatives specialist, he is a familiar face in financial media, known for making derivatives and personal finance simple and accessible for everyday investors.

    Rahul DesaiCo-Founder

    With over 25 years of experience in capital markets, Rahul has worked with leading global investment banks including JPMorgan and Deutsche Bank across Mumbai and New York. A Chartered Accountant and CFA charterholder, his experience spans institutional equities, quantitative analysis, derivatives, and technology-driven financial solutions.

    Your money’s been talking.Start listening.

    Connect your first account in minutes and see your complete financial picture today.

    JOIN WAITLIST Not ready yet? Take the one-minute Money Health Check
    [App QR code]
    Get App