Coming Soon

TARA Personal Finance Manager

AI that manages your money, not just tracks it. Cashflow intelligence, EMI management, debt protection, and financial planning — in a single conversation.

Built for 1.4 Billion Indians · Powered by Account Aggregator

The Insight

Most Indians don't fail on EMIs — they fail on cashflow timing.

Existing tools track your spending after the fact. They don't understand your income cycles, can't predict risk windows, and never act on your behalf. TARA is the first AI that reasons, predicts, guides, and acts — turning reactive tracking into proactive financial management.

70%Indians have no financial plan

₹3.4L CrRetail NPAs in India

0AI tools on borrower's side

Two engines

Two AI Engines, One Mission

TARA Personal Finance Manager combines proactive financial management with India's first borrower-side credit protection.

Financial Brain

Credit Management

AI that manages your money, not just tracks it. Connects to real cashflow data via Account Aggregator, understands income cycles, identifies risk windows, and proactively prevents missed payments.

Workflow

Cashflow connected via AAAI maps income cyclesRisk windows identifiedSmart nudges sentEMIs managed

What Today's Tools Get Wrong

EMI tools ignore income volatility
Static budgets don't reflect real life
Tools track — they don't manage

Loan Kavach

Credit Protection

The only AI product in India on the borrower's side. Detects early distress signals, shields from recovery harassment, coordinates legal mediation, negotiates settlements, and guides back to credit health.

Workflow

Distress signal detectedUser shieldedAI negotiates with lenderSettlement reachedCredit recovered

What Today's Tools Get Wrong

Harassment by recovery agents
No structured negotiation path
Defaults permanently damage credit

Preview

See TARA in Action

Real conversations, real financial decisions — powered by AI that understands your money.

TARA AIYour personal financial brain

My salary got delayed this month. I have 3 EMIs due next week.

I see your cashflow pattern. Your HDFC EMI can be safely delayed by 3 days without penalty. For SBI, I recommend paying minimum due now — ₹4,200. This protects your credit score.

Do it.

✓ ₹4,200 scheduled for SBI. HDFC deferred to 18th. Your credit score impact: Zero. I'll remind you when your salary arrives.

Ask TARA anything about your finances...

Features

What's Coming

A comprehensive AI financial manager that understands your money as well as you do — and helps you grow it.

Net Worth Tracking

Unified view of all assets, liabilities, and investments — updated in real time via Account Aggregator.

Smart Expense Management

Auto-categorization and AI insights on spending patterns. Knows when to save, when to spend.

Investment Insights

AI-driven portfolio analysis and personalized recommendations aligned with your financial goals.

Bill & EMI Reminders

Intelligent reminders that account for your cashflow timing — not just due dates.

Cashflow Intelligence

Predicts income arrival, maps obligations, and tells you exactly what you can spend today.

Multi-language Support

Financial guidance in Hindi, English, and regional languages — designed for all of India.

Why now

Why This Couldn't Exist Before

Four infrastructure shifts converged to make an AI-native personal finance manager possible for the first time.

Agentic AI Became Viable

TARA — an autonomous agent that reasons about your finances and acts on your behalf — was technically impossible before 2023. LLM costs dropped 1,000x in 3 years.

Account Aggregator Goes Mainstream

120M+ accounts linked via AA. Consent-based financial data sharing is the backbone of cashflow intelligence and real-time management. Without AA, TARA is blind.

RBI Digital Lending Framework

Regulatory clarity on data privacy, fair practices, and collection norms. TARA is built fully compliant with RBI Directions 2025 and DPDP Act.

India Stack Hits Critical Mass

Aadhaar + UPI + AA + DigiLocker — all mature simultaneously. 2.6B+ financial accounts are AA-enabled across 570+ regulated entities.

Waitlist

Join the Waitlist

Be the first to experience India's first AI personal finance manager when it launches.

Join the Waitlist

Explore More Products

ATMO Score Boost APICredit intelligence model Loan AgentConversational loan application

Publications →About Us →