The Indian investor's problem: wealth scattered everywhere
A typical Indian saver's portfolio is spread across more places than any single app can see. Mutual fund SIPs run through one or two platforms. The PPF account lives at a bank or post office and updates once a year in a passbook. Fixed deposits sit in two different banks at different rates and maturities. Stocks are with a broker, NPS is on its own portal, and there may be sovereign gold bonds or an EPF balance on top. Each one has its own login, its own statement format, and its own way of showing returns.
The consequence is that almost nobody can answer the two questions that actually matter: what is my total net worth today, and is it growing fast enough for my goals? Adding it up by hand in a spreadsheet works for exactly one weekend, and then the spreadsheet goes stale.
One unified view of everything you own
Paisewise is built to track the instruments Indians actually invest in — not just stocks and crypto like most global portfolio trackers.
Mutual funds and SIPs
See all your mutual fund holdings in one place regardless of where you bought them, with current value, invested amount, and returns. Your monthly SIPs show up automatically alongside your expenses, so you always know how much of your income is going toward wealth-building.
PPF, EPF, and small-savings schemes
Long-term, government-backed savings are the backbone of most Indian portfolios — and the most poorly tracked. Paisewise gives your PPF a live home: contributions, accrued interest, and progress toward the 15-year maturity, right next to everything else you own.
Fixed deposits and recurring deposits
Track every FD across every bank — principal, interest rate, and maturity date — so renewals never sneak up on you and idle maturity proceeds do not sit in a savings account earning 3% when they could be working harder.
Stocks, NPS, and more
Direct equity holdings, NPS balances, and gold investments round out the picture. The goal is simple: if it is part of your wealth, it belongs in your net-worth view.
Insights, not just balances
A list of balances is a statement; Paisewise aims to be an advisor. Its AI insights look at your complete picture — investments and spending together — and surface things a spreadsheet never will: idle cash that could be earning more in a liquid fund, an FD maturing next week, a month where your SIPs quietly failed because the account balance was low, or a portfolio drifting too far from your intended allocation.
Because Paisewise also tracks your day-to-day money — see UPI expense tracking and smart budgeting — it can connect the two sides of your finances: how much you can safely invest this month, and how much your spending habits are costing your future self.
Track the family's wealth, not just your own
Financial goals in India are family goals — a child's education, parents' healthcare, a home. With Family View, each member's investments roll up into a household net worth, with privacy controls deciding who sees what. It is the difference between knowing your own SIP is on track and knowing the family's education corpus is on track.
Private and secure by design
Investment data is among the most sensitive information you have. Paisewise uses read-only connections, encrypts your data in transit and at rest, and never sells your information. No one can move money, place orders, or redeem anything through Paisewise — it can only see and organize. Our FAQ covers security in more detail.
Be first in line
Paisewise is in active development and launching soon. Join the waitlist to get early access to unified investment tracking, and help shape which instruments and platforms we support first. Early members get lifetime perks.