Multilingual Indic Voice
Understands Hinglish, Hindi, Marathi, and Indian English—even when you naturally code-switch.
Sovereign Money Intelligence · Bharat
DhanMitr
AI Co-PilotKnow what’s safe to spend.
Pace every rupee with calm.
A private, voice-first financial companion built for Indian households. Reconcile recurring bills, capture multi-dialect speech in Hinglish, and plan with a forward-looking 90-day cash runway.
Indic Voice CaptureStudent, MSME & Salaried ModesZero Bank Passwords
Your money, connected
An everyday money picture.
Illustrative account · ₹75,000 monthly income · ₹43,800 reserved bills · ₹22,000 savings goal
₹75,000
Sample monthly income
₹43,800
Sample reserved bills
₹22,000
Sample savings goal
90 days
Illustrative forecast horizon
Sample scenarios only—not customer totals, measured accuracy, or financial advice. Spending modes are independent examples.
Live allowance
Safe-to-Spend
Available today
₹1,450
72%living pool
Keeps your essentials, lifestyle, and monthly saving target in equilibrium.
Voice transaction demo
Speak naturally. Get structure.
0:00 / 0:00
“Bhai kal shaam ko doston ke saath ₹2,450 dinner aur ₹320 cab pe gaye, budget update kar.”
Recorded sample · Illustrative transaction
Play the demo to see how a natural sentence becomes a categorized transaction.
Capabilities
Financial clarity, without the spreadsheet ritual.
Every surface is designed for the way money actually moves through Indian households.
From everyday speech to a financial record.
Keep expenses in context with natural-language entry, categories, and a running transaction history.
Indic voice
Expense categories
Transaction history
Real-Time Safe-to-Spend
Separates daily living money from fixed bills and long-term goals, then paces every day.
Bill Reconciliation
Brings recurring commitments and logged payments into one timeline without duplicate alarms.
Weekly Financial Radar
Surfaces burn velocity, unusual spikes, and clear next actions before they become problems.
Statement Export
Creates clean monthly PDF summaries with category movement and savings-rate context.
Sovereign Private Vault
A privacy-focused experience that does not require bank passwords or OTPs.
Tailored Workspaces
One platform. Three distinct rhythms.
DhanMitr adapts its dashboard, terminology, and pacing to match your income flow.
Student
CampusOS
Paces pocket money and shared flat costs without rigid salary rules.
Pocket velocity allowance
1-tap campus expense presets
Dost Splits & meal split tracking
Student ID perks: Spotify, Apple, Prime & Dev Pack
Zero monthly income required
Retail & MSME
VyaparOS
Manages daily cash in hand, vendor payouts, and customer credit.
Daily galla cash drawer register
Customer udhaar & jama bahi-khata
Wholesale supplier dues tracking
Cash flow & credit ledger
Salaried
ExecutiveOS
Earmarks EMIs and bills first, pacing your salary over 90 days.
Dynamic Safe-to-Spend daily pacing
90-day cash runway radar
Old vs. New tax regime analytics
Commitment buffer & runway
Specialized Protection
Tools built for Indian financial realities.
Expose loan traps, hunt recurring auto-debit leaks, and manage informal credit with zero paperwork.
RBI KFS Mandate Compliant
Scan loan sanction letters for hidden penalties and true APR.
Upload any PDF agreement to uncover undisclosed fees, early-exit charges, and true compounding interest before signing.
Exposes true compounding APR against advertised flat rates
Flags prohibited foreclosure penalties under RBI guidelines
Generates 1-click formal Banking Ombudsman dispute notices
PDF sanction letters & policies
Personal_Loan_Sanction_KFS.pdf3 Traps Found
Advertised Flat9.50%
True Compounding APR18.42%
Prepayment Penalty (5.5%)RBI Violation
Bundled Insurance Deduction₹14,500 Upfront
RBI Compliance EngineOmbudsman Notice Ready
Runway Radar
See the next 90 days before you spend today.
Upcoming salary, rent, EMIs, subscriptions, and everyday burn appear on one calm timeline—so you can spot pressure early.
Commitments are reserved before daily spending is calculated.
Cash pressure is surfaced before a bill becomes overdue.
Big purchases are shown in the context of your runway.
Illustrative cash runway
₹1,84,200
Today30 days60 days90 days
Bills reserved₹43,800
Living pool₹31,400
Goal flow₹22,000
Why DhanMitr
Purpose-built for your money. Not another blank chat.
Different tools serve different jobs. Here is where a dedicated financial companion fits.
Advice → daily decisions
A conversation is a starting point. Your cash flow is the context.
General AI is useful for explaining financial concepts and exploring a budget. DhanMitr focuses the experience on expenses, commitments, and a practical daily allowance.
ChatGPT & general AI
Can reason about a budget you provide. Financial context needs to be supplied or connected; workflows depend on the setup.
A dedicated money workflow: categorized expenses, Safe-to-Spend, and runway together, rather than a new budgeting prompt each time.
One place for the daily money decision.
Workflow comparison, not a performance benchmark. Third-party capabilities vary by plan, integrations, and product updates. DhanMitr does not replace a bank or professional financial advice.
Security & Sovereignty
Your money story stays yours.
DhanMitr is designed to minimize exposure, retain user control, and avoid credential collection.
01
Voice or receipt
Input with explicit intent
02
Structured entry
Organize the expense context
03
Your financial records
Keep personal money context together
04
Deliberate sharing
Choose the information you provide
No bank passwords required
No OTP collection for planning
Sample data clearly identified
FAQ
Clear answers, before you begin.
Yes. During onboarding or in profile settings, switch between Student (CampusOS), Small Business / MSME (VyaparOS), and Salaried (ExecutiveOS) for a dashboard tailored to your flow.
Bring your money into focus.
Capture the everyday. Plan the upcoming. Make your next money decision with a clearer picture.