Your goals, achieved. Finwiser knows where every rupee must go.
3
The Aha Moment
Within 60 seconds, Finwiser tells each of them something no app has ever said.
To the father: "70% of your portfolio is in equity. At 60 with pension income, that's dangerous. Here's your rebalancing plan — move ₹8L to debt funds, keep ₹3L in equity."
To the working woman: "All 4 SIPs are large-cap equity. Your daughter needs this money in 8 years. Move ₹3L to a balanced advantage fund before the next correction wipes out 2 years of gains."
To the graduate: "₹2.5L in savings is losing ₹6,250/year to inflation. Your best first fund — based on your risk profile and surplus — is locked. ₹49 to unlock."
To all of them: "You're saving 32% of your income — that's better than 80% of people your age. You're on track. Keep going."
No other app in India can say any of this — because nobody else has your full picture.
4
Life Keeps Asking
Every month brings a new money question. Only Finwiser answers — it sees every account, every goal.
"Where's all my money going?"
"Can I still afford my SIPs?"
"Market crashed — am I okay?"
"Am I on track for retirement?"
"₹3L bonus — now what?"
"Tax season — save how much?"
Finwiser
₹3L surplus this month.
Daughter's education: ₹2.1L short
Emergency fund: on track
Retirement: 91% funded
₹2.1L → balanced advantage fund ₹90K → liquid fund
Invest for daughter's education ›
Every answer from her real bank data, real goals, real portfolio.
Life creates the questions. Only Finwiser has the answers.
5
Go-to-Market: WhatsApp First
"Know your net worth in 3 minutes. Just WhatsApp us."
💬
Finwiser
SEBI RIA Licensed · AA Verified
Hi 👋
Just now
Hey! 👋
12:01 PM ✓✓
I'm Finwy — Finwiser's SEBI RIA licensed AI financial advisor.
12:01 PM ✓✓
I connect to your entire financial life — bank accounts, MFs, FDs, NPS, loans, credit cards — and build your complete financial picture.
12:01 PM ✓✓
No entries. No manual work. No guesswork.
12:01 PM ✓✓
Your net worth. What you're spending. What you're saving. What you should do next.
12:01 PM ✓✓
All in 3 minutes. 👇
→ Connect via Account Aggregator
12:02 PM ✓✓
⏱ 2.5 min later
📊 Your Net Worth: ₹18,43,200
MFs: ₹8.2L · FD: ₹4.1L · Savings: ₹6.1L
Answer 3 quick questions to unlock your financial score 👇
12:03 PM ✓✓
⏱ 4.5 min later
💡 You save ₹28K/month
Want to know exactly where to put it? Download Finwiser →
12:05 PM ✓✓
Already built and tested.
Why this works
📲
Zero friction WhatsApp is on every Indian phone — no app download, no sign-up
💎
Aha before commitment Real net worth shown for free — value delivered before any ask
🔁
Structural virality Auto-generated forward message after reveal — one share = 50 leads in a tech group
🎯
CAC near-zero One forward in a tech company group = 50 leads overnight
⚡
Seamless handoff One-tap deep link into the app — AA consent already done, zero re-entry
Your net worth in 3 minutes. No app download. Zero CAC.
6
Your Portfolio
What you own, how it's performing, and how it's allocated
Portfolio Dashboard
Performance Detail
Wealth Mix
Your 360-degree portfolio — MFs, NPS, gold, real estate — all in one view.
7
Your Goals & Planning
Your risk profile, your goals with progress, and your budget
Suitability
Goals Dashboard
Budget Dashboard
Everything you see is built. Not mockups. Not Figma. Production code.
8
Business Model
Free builds the habit. ₹49 captures the intent. ₹199 earns the relationship.
The analysis is free. The action is paid.
Free — Forever
She sees her full financial picture for the first time. Every day, Morning Pulse keeps her coming back.
₹49 — The Moment
Finwiser shows her what's wrong. The fix is locked. ₹49 to unlock. She pays instantly.
₹199/month — The Relationship
She starts asking questions weekly. She upgrades. The advisor is now part of her life.
15-20%
Free → ₹49
10-15%
₹49 → ₹199
75%
Gross margin
~₹50
Cost per user/month
Data Moat
90%+
auto-categorization on founder's live data
Users transact→ML categorizes→Model learns→Next user auto-classified→Better insights↻
7-tier ML engine — 90%+ accuracy proven on real bank data (4 accounts, 3 CCs, UPI). With every new user, shared merchant patterns train the model for everyone. At 500 users, cold-start disappears entirely.
"₹49 today, or ₹199/month for unlimited advice." Free users don't cost us — they compound the moat.
9
Market & Revenue
₹19,100 Cr
TAM
80M salaried Indians
↓
₹2,400 Cr
SAM
10M digitally active
↓
₹120 Cr
SOM
0.5% in 3 years
150K
Free Users
8,000
Paid Subs
₹27L
MRR at M36
75%
Gross Margin
₹19,100 Cr market. We need 0.5%. Even at 50% of projections, we're cash-flow positive. K-factor 0.3 · 15% free→₹49 · 10% ₹49→₹199 · 70% retention
10
Why We Win
Net Worth Trackers
MF Distributors
Human RIA
Finwiser
Shows full net worth
✓
Partial
Manual
✓
Categorizes spending
✗
Partial
Manual
✓
Computes real surplus
✗
✗
Manual
✓
360° portfolio advice
✗
MFs only
✓
✓
Goal planning + feasibility
✗
✗
✓
✓
SEBI RIA licensed advice
✗
Conflicted
✓
✓
Dynamic recalibration
✗
✗
✗
✓
24/7 availability
Self-serve
Self-serve
Appointments
Always-on AI
Net Worth Trackers1/8
MF Distributors0/8
Human RIA4/8
Finwiser8/8
They built the mirror. We built the brain. And every user makes it smarter.
11
What's Built (This is a product, not a pitch)
480K+
Lines of code
172
Test files (48K lines)
137
Design documents
4
Data sources (AA, Gmail, PDF, Equifax)
16
Financial ratios computed
72
Sahamati cert scenarios
Backend (Node.js) — 289K lines
AA Integration7-tier ML CategorizationIntelligence Engine (16 ratios)AI Advisor ChatbotGoal PlanningPortfolio AnalyticsInvestment RecommendationsRisk ProfilingWhatsApp BotCredit Card PipelineBudget SystemPush Notifications
A business operator with 10+ years across growth, sales, product, and transformation — who trained thousands on AI at Growth School, saw how it could democratize financial advice, and built the entire platform to prove it.
SEBI RIA · FIU Registration Sahamati Technical Certification
4
Built Everything
480K lines · 172 tests · 137 docs Solo + AI agents · ₹0 funding
₹200 Cr
P&L Owned
400+
Team Led
1000s
Trained on AI
480K
Lines Built Solo
3
Licenses Cleared
Keerthi Sagar Sharma
Advisor — Tax & Compliance · Chartered Accountant
7+ years in tax and financial planning. Ensures every recommendation aligns with real-world tax implications, deduction strategies, and regulatory compliance.
Post-Funding: Founder → 100% GTM
The plan once funded
Day 1–45: Senior engineer hired, codebase handed over. Day 45+: Founder goes full GTM — distribution, partnerships, sales. The skill he's done for a decade. Vetted senior bench (14yr architect, 18yr domain expert) ready.
A closer who built the product. Not a builder learning to sell. Imagine what happens with ₹2 Crore.
13
Why Now?
AA hit inflection
Account Aggregator crossed 100M+ cumulative consents in 2024. FIP onboarding accelerated 3x. Real-time financial data access wasn't possible 2 years ago.
AI makes advisory scalable
LLMs deliver personalized financial guidance at ₹5-10/session vs ₹5,000-10,000 for human advisors.
SEBI favors fiduciary model
Regulatory tailwind — SEBI actively promoting RIA over distribution. Market moving toward fiduciary advice.
Demand proven, gap open
Net worth trackers got 60K+ downloads for a dashboard with no advice. The next layer — advisory — is wide open.
AA + AI + SEBI tailwind. This wasn't possible 2 years ago.
14
The Vision
NOWIndia's most affordable SEBI-registered financial advisor
YEAR 2Add execution — invest in MFs, NPS, gold, FDs directly in-app
Every Indian earning ₹50,000+ a month deserves a financial advisor in their pocket — one that knows their numbers, works 24/7, has zero conflicts of interest, and costs less than one dinner out.
The only platform where advice and execution will be legally unified under a SEBI RIA + broker license, with AI that knows every rupee.
One app to solve India's entire financial life.
Chandrachuda Sarma Yemmanuru · [email protected] · SEBI RIA Licensed
