Finwy, the Finwiser mascot, waving hello

Hey! 👋

I'm Finwy — Finwiser's SEBI RIA licensed AI advisor.

Bank, MFs, FDs, NPS, loans, credit cards — I see it all.

No entries. No manual work. No guesswork.

Your complete picture. All in 3 minutes.

Finwiser
₹1-2 lakh/year for a human advisor. ₹199/month for me. 80M+ Indians can finally afford real financial advice.
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The Problem

Everyone's investing. Nobody's advising.

Finwy as a worried retiring father, 60, with 70% of his portfolio in equity
High Risk

Retiring Father

60 years · Pension income
Portfolio in Equity 70%

Invested in equity NFOs on friends' advice. Can't recover from a single bad year. No one sees the full picture.

Finwy as a worried working mother, 35, running four large-cap-only SIPs
No Diversification

Working Mother

35 years · ₹20K/mo SIPs
SIPs in Large-Cap Only 4 of 4

Daughter needs this money in 8 years. She thinks "SIP = good investing" — nobody told her about the asterisk.

Finwy as an overwhelmed fresh graduate, 24, with savings sitting idle
Decision Paralysis

Fresh Graduate

24 years · ₹2.5L in savings
Lost to Inflation / Year ₹6,250

Opens 4 MF apps, sees 400+ options, gets paralyzed, does nothing. Money bleeds to inflation.

Every one of them has a financial app. None tell you what's right for YOU. A human advisor does — for ₹1-2 lakh/year. 80M+ Indians can't afford that.
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3

How It Works — Next Best RupeeTM

CONNECT
One complete picture
Account Aggregator
🏦 Bank
📈 Mutual Funds
💰 FDs & PPF
🏛 NPS
🛡 Insurance
Email Statements
💳 Credit cards
Credit Report
🏠 Loans & EMIs
📊 Credit score
25+
Account types
DETECT
Your real surplus
Income ₹1,50,000
💼 Salary ₹1,35,000
🏠 Rental ₹15,000
Fixed costs
Rent ₹35,000
EMIs ₹18,000
Insurance ₹5,000
Variable
Groceries ₹15,000
Utilities ₹8,000
Discretionary ₹27,000
Expenses ₹1,08,000
₹42,000/mo
Surplus
DIRECT
Next Best RupeeTM
Finwy allocating a month's surplus across goal jars
Emergency fund goal icon
P1
Emergency Fund
₹10,000 ✓
100%
Retirement goal icon
P2
Retirement
₹15,000 ✓
100%
Education goal icon
P3
Education
₹12,000 ✓
100%
Dream car goal icon
P4
Dream Car
₹5,000 of ₹15K
33%
₹42,000
Allocated
Your goals, achieved. Finwiser knows where every rupee must go.
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The Aha Moment

Within 60 seconds, Finwiser tells each of them something no app has ever said.

Finwy as the retiring father, reassured after a rebalancing plan
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."
Finwy as the working mother, reassured after moving money to a balanced advantage fund
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."
Finwy as the fresh graduate, relieved after finding a first fund
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.
5

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?"
Finwy as a worried user surrounded by unanswered money questions
Finwy at work, answering each month's money question
Finwiser
Finwy as the same user, calm once the questions are answered
₹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.
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Go-to-Market: WhatsApp First

"Know your net worth in 3 minutes. Just WhatsApp us."

💬
Finwiser
SEBI RIA Licensed · AA Verified
Hi 👋
Just now
💬
Finwiser
SEBI RIA Licensed · AA Verified
⏱ 2.5 min later
⏱ 4.5 min later

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.
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Your Portfolio

What you own, how it's performing, and how it's allocated

Screenshot: Finwiser portfolio dashboard
Portfolio Dashboard
Screenshot: portfolio performance detail
Performance Detail
Screenshot: wealth mix breakdown
Wealth Mix
Your 360-degree portfolio — MFs, NPS, gold, real estate — all in one view.
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Your Goals & Planning

Your risk profile, your goals with progress, and your budget

Screenshot: suitability and risk-profile detail
Suitability
Screenshot: goals dashboard showing progress against each goal
Goals Dashboard
Screenshot: budget dashboard
Budget Dashboard
Everything you see is built. Not mockups. Not Figma. Production code.
9

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 ↻

six-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.
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Market & Revenue

₹19,100 Cr
TAM
80M salaried Indians
↓
₹2,400 Cr
SAM
10M digitally active
↓
₹120 Cr
SOM
0.5% in 3 years
₹0 ₹9L ₹18L ₹27L ₹25K ₹1.1L ₹3.1L ₹8.6L ₹27L M6 M12 M18 M24 M36 PMF signal Seed-ready metrics
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
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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 Trackers 1/8
MF Distributors 0/8
Human RIA 4/8
Finwiser 8/8
They built the mirror. We built the brain. And every user makes it smarter.
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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, Experian)
13
Financial ratios computed
72
Sahamati cert scenarios

Backend (Node.js) — 289K lines

AA Integration six-tier ML Categorization Intelligence Engine (13 ratios) AI Advisor Chatbot Goal Planning Portfolio Analytics Investment Recommendations Risk Profiling WhatsApp Bot Credit Card Pipeline Budget System Push Notifications

Frontend (Flutter) — 191K lines

Cashflow Dashboard Portfolio Tab Advisor Chat UI Goals Dashboard Bank Overview CC Overview Risk Profiling UI Budget Dashboard Onboarding Flow
Built by 1 founder + AI agents. No developers hired. No outsourcing. This is what capital-efficient looks like.
13

Founder

Chandrachuda Sarma Y Founder & CEO SEBI RIA Licensed MBA · MDI Gurgaon · CAT 99%ile

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.

1
Scaled Businesses
₹150 Cr P&L · 400+ teams
Philips · Unacademy · Lava
2
Trained 1000s on AI
Growth School
Saw AI's power to transform
3
Got Licensed
SEBI RIA · FIU Registration
Sahamati Technical Certification
4
Built Everything
480K lines · 172 tests · 137 docs
Solo + AI agents · ₹0 funding
₹150 Cr
P&L Owned
400+
Team Led
1000s
Trained on AI
480K
Lines Built Solo
3
Licenses Cleared
A closer who built the product. Not a builder learning to sell.
14

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.
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The Vision

NOW India's most affordable SEBI-registered financial advisor
YEAR 2 Add execution — invest in MFs, NPS, gold, FDs directly in-app
YEAR 3-5 Full-stack wealth platform — advisory + execution + insurance + tax
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.

Finwy celebrating Finwiser

One app to solve India's entire financial life.

Chandrachuda Sarma Yemmanuru  ·  chandrachudasarma@finwiser.org  ·  SEBI RIA Licensed

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