You Have Money to Invest. We Tell You Exactly Where.
Your money, your data, and a clear answer on what to do next.
Every other app tracks your portfolio. ArthaDNA tells you what to do with it: how much to deploy now, how much to stagger, and into which Direct funds, tuned to your goals and today's market. We take no commissions and sell no funds.
Already convinced? Start my diagnosis: upload your CAS
No CAS file yet? start with the Persona Wizard.
₹20 lakh growing at 10% a year for 20 years is ₹1.35 crore. At 9%, it is ₹1.12 crore. A 1% expense ratio costs that ₹22 lakh. The leak runs every day you wait. Today is cheaper than next month.
No broker login·PAN & account numbers masked·Files deleted post-analysis·India data residency
A neutral second opinion on your entire portfolio: not just whether you're tracking it, but whether you're on track to beat inflation, and exactly where to deploy your next rupee.
ArthaDNA is an analytics platform, not an advisor. Think of a lab that runs your blood tests: your doctor, or you, decides what to do next.
“Don't free portfolio trackers already do this?”
They track. Here is what tracking leaves out.
| Dimension | Free portfolio trackers | ArthaDNA |
|---|---|---|
| What they do | Track and show your portfolio | Tell you what to do with it |
| Business model | Often monetised via products or broking | No commission and no fund sales |
| Coverage | Centred on what you already hold | MF, stocks, FD, PPF, NPS and SGB, analysed rather than listed |
| The deploy decision | Not the focus | How much now vs stagger, into which funds |
| Inflation lens | Rarely surfaced | Does your return beat 6% CPI? |
Tracking is free everywhere. The decision is not. That is the part ArthaDNA does, without earning a rupee from what you buy.
“I have ₹25 lakh. Where do I put it today?”
Every other tool shows you charts. ArthaDNA answers the question that actually matters: how much to deploy now, how much to stagger, and into which funds, re-checked as valuations and the market move. That's why it's worth ₹249 a month, not a one-time report.
- ✓Lump-sum vs stagger, sized to market valuation & your risk profile
- ✓Per-fund P/E timing: SIP, lump sum or wait, for each Direct MF and ETF
- ✓Near-term goal money kept in liquid funds, never risked in equity
- ✓Keeps the good funds you already own and flags only what to switch
Deploy ₹8.75 L now · stagger ₹16.25 L over 8 weeks
Plus ₹4 L kept liquid for your 2027 goal. Why Watch: India Opportunity 58/100: Nifty P/E 20 (fair), market 12% off highs. Illustrative; your plan is built from your CAS, goals & risk profile.
Built by Vidyadhar Bendre. M.Tech in AI/ML, 25 years in IT, financially independent at 50 through systematic, data-driven investing. Not a venture growth team. A practitioner who did it first.
Read the full story →We spend time every week on work, groceries, and daily tasks.With our money, we delay.
Not from carelessness. Nobody has told us plainly what to do, and confusion is a comfortable place to wait.
"I'll review my portfolio next month..."
Has said this for 3 years
"I don't know if my SIPs are enough."
Most mid-career investors
"I have no idea when I can actually retire."
Typical 40-year-old
Every year you delay costs years of compound growth.₹10,000 a month from 25 instead of 35, at 10%, is ₹2.2 crore more at 60.
Free · Takes 3 minutes · No broker login needed
ArthaDNA adapts to your life stage
The question you need answered is different at 25, 40, and 60. Our AI understands where you are and tells you exactly what matters most right now.
"Am I investing in the right direction?"
Early mistakes compound in the wrong direction, just as fast as good ones.
What you'll get
Persona mapping · starter SIP roadmap · tax-saving allocation
"Am I on track to retire when I want?"
Most mid-career investors are unknowingly under-invested for their actual retirement goal.
What you'll get
FIRE number · SIP gap · portfolio health score · tax-harvest calendar
"Is my wealth enough for the life I want?"
This is the last window to correct course. A decade of compounding remains.
What you'll get
Corpus adequacy · withdrawal modelling · risk de-risking signals
"Will my money last as long as I do?"
Sequence-of-returns risk is the #1 wealth destroyer at retirement, and most don't see it coming.
What you'll get
SWR analysis · income ladder · inflation stress-test · estate snapshot
Not sure which stage you're at? Start with a 2-minute persona check.
More data, a sharper diagnosis, and a faster route to financial freedom.
One statement gives us a clue. A full set gives us a diagnosis. Upload whatever statements you have. Each document unlocks a new layer of intelligence about your financial health.
Garbage in, garbage out
One statement gives a sketch. Five statements give a masterpiece. Your AI report is only as complete as the data you feed it.
Every rupee accounted for
FDs, NPS, PPF, stocks: wealth sitting in silos won't count toward your FI number until you upload the statement.
Even one document works
A single FD statement gets you started instantly. You can add more later, and your report grows with each addition.
Every SIP, lump sum, unit balance, NAV and XIRR: the complete MF picture.
Direct equity, ETFs, and listed bonds alongside your MF portfolio.
No PDF needed. Export your tracked portfolio as a CSV and we parse it.
Retirement corpus included: pension assets fold into your FI projection.
FDs, PPF, SSY, SCSS, NSC: every rupee of fixed income in one picture.
Start with one. Add more anytime. Every document you add sharpens your AI diagnosis and brings you closer to a complete 360° wealth picture.
Upload NowEverything in one intelligent report
One CAS upload unlocks five connected analytics modules, each feeding the next.
Discover Your Investor Persona
17-question adaptive wizard maps your risk tolerance, time horizon, and behavioral biases into a precise archetype, then drives every recommendation.
- Identifies risk band: Conservative → Aggressive
- Detects behavioral biases that silently cost returns
- Maps goal-allocation fit across 5 asset classes
- Recalibrates as your life stage changes
Know your FI number first
You don't need to upload anything to see where you're headed. Set your budget, add your goals, and pick your lifestyle, and you have your Financial Independence number in minutes.
Tell us your income and expenses so we know how much you can invest each month. That number drives your whole FI plan.
Set budgetRetirement, a home, a child's education, a wedding. Add each target and year, and we inflation-adjust every one for you.
Add goalsPick your lifestyle (Lean · FIRE · Fat · Barista), your current age and target retirement age, and see the corpus that sets you free.
See my FI numberHow it works
Drop your MF CAS, demat statement, FD PDF, NPS file, PPF passbook, or a Tickertape/Sharpely CSV. Any combination works, and more documents mean a sharper diagnosis.
15 AI agents run in parallel: computing XIRR, benchmarking returns, checking allocation drift, mapping your persona fit, and modelling your FIRE number.
Receive a detailed report with per-holding action signals, rebalance roadmap, tax-harvest calendar, and a personalised path to Financial Independence.
Your Mutual Funds Are Charging You Every Single Day.
The expense ratio comes out of your NAV every day, and no statement shows it.₹20 lakh growing at 10% a year for 20 years is ₹1.35 crore. At 9%, it is ₹1.12 crore. A 1% expense ratio costs that ₹22 lakh.Direct plans vs. regular plans. ETFs vs. active funds. Most investors never check.
ArthaDNA shows you the weighted average expense ratio across your funds, flags high-cost funds, and tells you exactly how much switching to direct/ETF could save you over your investment horizon.
Sample output · your portfolio
HDFC Top 100 (Regular)
Could save ₹34,000 / yr
SBI Bluechip Direct
Nifty 50 ETF
Portfolio avg expense ratio
1.18% vs. 0.12% all-ETF
Three illustrative examples
Composite cases showing what the report finds. Real customer quotes will appear here, with verification links, as customers agree to be quoted.
“I had no idea my regular plan funds were costing me 1.7% annually. ArthaDNA flagged it instantly. Switched to direct, and that's ₹22,000 a year back in my pocket.”
Rajesh M.
Software Engineer · Bengaluru
₹28L portfolio · Apr 2025
“My SIP was ₹15,000/month but my FI number said I needed ₹31,000. I was optimistic. ArthaDNA was honest. Now I've adjusted and I'm actually on track.”
Priya S.
Product Manager · Pune
₹14L portfolio · Feb 2025
“Pro paid for itself in 10 minutes. Saw my XIRR, my FI number, and a rebalancing plan. No advisor has ever given me this much clarity this fast.”
Anil K.
CA · Mumbai
₹52L portfolio · Mar 2025
What you'll see minutes after uploading
Six concrete metrics, calculated from your actual portfolio. No generic advice. No guesses. Your numbers, your signals.
Your XIRR is only real if it beats inflation. At 6% CPI, a portfolio returning 7% is barely standing still. ArthaDNA shows your return after the inflation hurdle, not just the number your app displays.
Portfolio structure is healthy, with 2 concentration warnings to fix.
One composite quality score across allocation, diversification, and risk controls.
Your portfolio return is outperforming the benchmark by 1.7% annualized.
Separates true portfolio performance from market noise, not just raw returns.
Investor persona: Balanced. Current portfolio tilt: Aggressive.
Persona-portfolio mismatch increases panic-sell probability in drawdowns.
Tax-harvest window open. Acting now can save ₹11,800 in effective tax.
Tax leakage quietly reduces compounding year after year.
Current SIP falls short of the FI-target monthly requirement.
Quantifies the exact SIP shortfall so you know how much to top up.
Not a full red signal, but staggered deployment is safer right now.
Prevents emotionally timed lump-sum mistakes at market highs.
Is Now a Good Time to Invest?
We track eight key macro indicators (economic growth, market valuations, monetary policy, and investor sentiment) so you know exactly what the market is doing before you invest a single rupee.
The economy is healthy, but market valuations remain stretched
3 of 8 indicators healthy · 4 watch · 1 caution
Healthy above 6.5%
What it measures
How fast India's economy is growing. Think of it like the salary growth of the whole country.
How it affects your investments
When the economy grows faster, companies earn more and stock prices tend to rise over time.
Healthy above 52
What it measures
A survey of factory managers on whether orders are growing (above 52 = expansion) or shrinking (below 50 = contraction).
How it affects your investments
Strong factory activity often leads to better corporate earnings a few months later, which is good for your equity funds.
Caution above 100%
What it measures
Total market capitalisation of all listed Indian companies divided by GDP. Shows whether the stock market is priced fairly relative to the overall economy.
How it affects your investments
When the market cap greatly exceeds GDP, stocks price in future growth that hasn't happened yet. Lumpsum deployed above 100% has historically delivered lower 3-year returns.
Watch above 22×
What it measures
How much investors are paying for every ₹1 of corporate earnings. Below 18× = cheap · 18–22× = fair · above 22× = stretched.
How it affects your investments
At elevated P/E, every rupee of earnings is more expensive to buy, and markets tend to deliver lower returns from these levels. SIPs help average out the cost automatically.
Supportive at or below 6.5%
What it measures
The rate at which RBI lends money to banks. Lower means cheaper home loans and business loans for everyone.
How it affects your investments
Low or falling interest rates reduce the cost of borrowing for businesses, helping profits. They also make fixed deposits less attractive, pushing money toward mutual funds.
Calm below 20
What it measures
Measures how nervous investors are. High VIX = lots of fear and uncertainty. Low VIX = calm markets.
How it affects your investments
High fear means wider price swings for your portfolio. Long-term investors can largely ignore short-term spikes. SIPs benefit from volatility by buying more units at lower prices.
Watch between 4–6%
What it measures
How fast the prices of everyday goods are rising, measured across food, fuel, and services.
How it affects your investments
Inflation silently erodes purchasing power. At 4.9%, your portfolio XIRR must exceed 7% to build real wealth above inflation.
Net positive over 30 days = buying India
What it measures
Cumulative net money that large foreign funds (FIIs/FPIs) put into or pulled out of Indian stocks over the past 30 days. A 30-day window smooths out single-day noise.
How it affects your investments
When foreigners are net buyers over a sustained period, it supports prices across your mutual funds. Short-term outflows are normal and usually reverse. Do not panic-sell.
GDP growth and PMI tell you whether the underlying economy is healthy: strong GDP above 6.5% and PMI above 52 are positive for corporate earnings. But a healthy economy can coexist with an expensive stock market: the Buffett Indicator and Nifty P/E tell you whether you are paying a fair price for that growth. When both are elevated, large one-shot lumpsum carries timing risk. SIPs average cost over time. Falling repo rates are a long-term tailwind for equities. CPI inflation sets the hurdle rate your portfolio must beat to build real wealth. And FII flows signal short-term foreign sentiment: large outflows create volatility but rarely change long-term trajectories.
Your Privacy is Non-Negotiable.
We understand the trust it takes to share your financial documents. Here is exactly what happens, with no marketing fluff and no vague promises.
Your Wealth. Your Data. Your Future.
✓ We never see your raw documents. We only ever work with encrypted vectors and computed metrics.
Questions users actually ask before uploading
Straight answers, no legal jargon.
Do you permanently store my uploaded PDF or CSV files?
No. Your file is parsed the moment it arrives, converted into encrypted numerical vectors, and then permanently deleted from our servers. We never retain the raw document, only the computed metrics and signals needed to generate your report.
Can ArthaDNA employees or engineers see my portfolio?
No. All stored data is encrypted at rest using AES-256. Internal access requires multi-factor authentication and is fully audit-logged. PAN numbers, account identifiers, and folio numbers are masked at the parsing layer. No analyst or engineer ever sees your raw financial data.
Is my portfolio data used to train your AI models?
Never. Your data is completely isolated from our model training infrastructure. ArthaDNA's AI is trained exclusively on anonymised market data, publicly available fund information, and macroeconomic indicators, not on any user's personal portfolio.
What happens when I delete my account or request data erasure?
All your data (vectors, reports, analysis history, uploaded metadata, and preferences) is permanently and irreversibly deleted within 24 hours of your request. You receive an email confirmation. This right is guaranteed under India's DPDP Act 2023.
Covered under India's DPDP Act 2023 · Hosted on AWS Mumbai (ap-south-1) · SOC 2 Type II infrastructure
Read full Privacy Policy →Why “ArthaDNA”?
अर्थ · Artha · DNA
In Sanskrit, Artha means wealth, purpose, and meaning. It is one of the four pillars (Purusharthas) of a fulfilling life. It is not just about money. It is about what your money means for your life: the freedom to pursue your calling, protect your family, and live without compromise.
DNA is your blueprint, the code that defines you. Your risk tolerance, goals, life stage and income trajectory are yours alone. Put together, ArthaDNA is your personal wealth blueprint, built for the life you are actually living.
“I survived the dot-com bust. Built my wealth the hard way. Now I've put everything I know into one platform.”
When the dot-com bubble burst, I watched portfolios collapse and investors panic. That pushed me to get serious. In 2003 I cleared my AMFI and IRDA certifications and advised investors at ICICI Prudential.
For years before any app existed, I helped neighbours and colleagues manage their wealth through Excel sheets and honest conversations. With my M.Tech in AI/ML and decades of hands-on experience, I achieved financial independence at 50, not by luck but by making data-driven decisions.
ArthaDNA is everything I know, built into an AI platform that gives every investor personalised decisions based on their unique goals, expenses and numbers. Because no two wealth journeys are the same.
Vidyadhar Bendre, Founder, Reinforcement Analytics
How Much Do You Need to Never Work Again?
Most investors pay 1–2% AUM annually to advisors for exactly this answer. ArthaDNA computes your personalised FI number, adjusted for your lifestyle, CPI inflation and investment style, in 3 minutes, not 3 meetings.
Emergency fund, debt clarity, insurance gap
FIRE style, lifestyle goals, FI number
SIP plan, step-up strategy, FIRE timeline
A 1%-AUM advisor charges ₹1 lakh a year on a ₹1 crore portfolio for this kind of answer. ArthaDNA gives you the full diagnosis and the ongoing deploy plan on Pro, from ₹167 a month. A flat fee, never a slice of your corpus.
Pro · best value
billed annually (₹1,999) · or ₹249/mo monthly · ₹200/mo on 6 months
- ✓FI Number Calculator
- ✓SIP Planner (7% step-up)
- ✓Budget Planner (50/30/20)
- ✓Full AI portfolio insights
- ✓FI Roadmap & FIRE timeline
One clear staircase. Start free
See the gap for free, then unlock the full diagnosis and ongoing deploy plan with Pro, from ₹167/month. No AUM %, no lock-in.
Shows the gap: your XIRR, your leakage, your FI shortfall. The fix is paywalled, so you see exactly what is at stake before paying anything.
Start my diagnosisFull diagnosis + ongoing deploy intelligence, re-checked as the market moves. Cancel anytime, no lock-in.
Get ProEverything in Pro at the lowest effective price, 33% less than monthly. The answer a 1%-AUM advisor charges ₹1 lakh a year for.
Get Pro annualA neutral second opinion on your entire portfolio: not just whether you're tracking it, but whether you're on track to beat inflation, and exactly where to deploy your next rupee.
Pro insights · Unlocked with Pro (from ₹167/mo)
Unlock all →Pro only
Tax-Harvest Calendar
Your ₹11,800 LTCG harvest window closes in 14 days.
Pro only
Sector Rotation Signal
IT sector showing momentum. Your allocation: 4% vs. suggested 12%.
Pro only
Rebalance Action Plan
3 funds over target. Specific sell/buy amounts calculated.
Free plan gives you 2 portfolio uploads + basic health score. Upgrade to unlock everything.
Upgrade to Pro, from ₹167/moThe sooner you begin, the easier your future becomes.
Every month without clarity is a month of leakage: in returns, in tax, in risk you didn't know you were carrying. Upload whatever you have and get your diagnosis today.
₹20 lakh growing at 10% a year for 20 years is ₹1.35 crore. At 9%, it is ₹1.12 crore. A 1% expense ratio costs that ₹22 lakh.The leak runs every day you wait. Today is cheaper than next month.
No credit card · No broker login · Your data stays private · Analysis in under 3 minutes
Click any feature to see a sample screen →
ArthaDNA is an analytics platform, not a SEBI Registered Investment Advisor. We give you the diagnostics; the investment decisions are yours. Mutual fund investments are subject to market risks. All content is for informational purposes only and does not constitute investment advice. Read full disclaimer →