Good morning, Bharat 👋
Here's your complete financial picture as of 20 Jun 2026
Total Assets
₹3.12 Cr
▲ 2.1% this month
Total Liabilities
₹28.4L
Home loan + 1 personal loan
Net Worth
₹2.84 Cr
▲ ₹4.2L vs last month
Monthly Cash Surplus
₹1.18L
Income ₹2.85L − Expenses ₹1.67L
Net Worth Composition
Real Estate — ₹1.31Cr (42%)
Fixed Income — ₹75L (24%)
MF/Stocks — ₹56L (18%)
Cash/Bank — ₹28L (9%)
Others — ₹22L (7%)
Insurance Coverage Snapshot
Health Cover
1 of 5 family members on file (Sakshi)
₹10 L
Term / Life Cover
1 of 5 family members on file (Ranjana)
₹50 L
💸
₹2,40,000 idle in savings accounts
Move to debt funds and earn ₹8,928/year more
Accounts
Consolidated view across all 6 accounts — click any account to drill down
Combined Balance
₹9.05L
Across 6 accounts
Idle Surplus
₹3.15L
Above buffer in 4 accounts
Avg Monthly Inflow
₹2.85L
Salary + rent + dividends
Avg Monthly Outflow
₹1.67L
EMIs + expenses
All Accounts Click a row to view account-level detail
| Bank | Account Type | Account No. | Balance | Idle Surplus | Status |
|---|---|---|---|---|---|
| State Bank of India | Savings | XXXX 4821 | ₹1,85,000 | ₹90,000 | ● Connected |
| HDFC Bank | Savings | XXXX 9034 | ₹2,30,000 | ₹1,10,000 | ● Connected |
| ICICI Bank | Savings | XXXX 3312 | ₹95,000 | Funded | ● Connected |
| Axis Bank | Current | XXXX 7890 | ₹2,40,000 | ₹70,000 | ● Connected |
| Kotak Mahindra Bank | Savings | XXXX 5567 | ₹68,000 | ₹25,000 | ● Connected |
| IDFC First Bank | Savings | XXXX 2211 | ₹87,000 | ₹20,000 | ⏳ Renew Consent |
Balance Distribution
SBI 20%
HDFC 25%
ICICI 11%
Axis 27%
Kotak 8%
IDFC First 9%
Cash Flow
Track income, expenses & monthly surplus
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Monthly Income
₹2.85L
Salary + Rental + Dividends
Monthly Expenses
₹1.67L
EMIs, household, lifestyle
Net Surplus
₹1.18L
41% savings rate
Income Sources
Salary — Bharat
Infosys Ltd · Credited 1st of month
+₹2,10,000
Rental Income
Whitefield Apartment
+₹45,000
Dividends & Interest
MF + FD interest payouts
+₹30,000
Expense Breakdown
Home Loan EMI
HDFC Ltd · ends 2034
₹62,000
Household & Groceries
Avg of last 3 months
₹38,000
Insurance Premiums
Life + Health (annualized/12)
₹22,000
Lifestyle & Travel
Dining, travel, subscriptions
₹45,000
Assets
Real Estate, Fixed Income & Mutual Funds/Stocks
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Real Estate
₹1.31 Cr
2 properties
Whitefield Apt + 1 plot▲ 8% YoY
Fixed Income
₹75 L
FDs, PPF, Bonds
5 instrumentsAvg 7.1% yield
Mutual Funds / Stocks
₹56 L
Equity + Debt MF + Direct Stocks
14 holdings▲ 12.4% XIRR
Real Estate + Add
| Property | Type | Purchase Value | Current Value | Rental Yield |
|---|---|---|---|---|
| Whitefield Apartment 3BHK, Bengaluru | Residential | ₹95,00,000 | ₹1,18,00,000 | 4.5% p.a. |
| Devanahalli Plot 2400 sq.ft | Land | ₹10,00,000 | ₹13,00,000 | — |
Fixed Income + Add
| Instrument | Issuer | Principal | Rate | Maturity |
|---|---|---|---|---|
| Fixed Deposit | HDFC Bank | ₹25,00,000 | 7.25% | Mar 2027 |
| PPF | SBI | ₹18,00,000 | 7.1% | 2032 |
| Corporate Bond | HDFC Ltd NCD | ₹15,00,000 | 8.1% | Jun 2028 |
| Sovereign Gold Bond | RBI | ₹10,00,000 | 2.5% + gold gains | 2029 |
| Fixed Deposit | ICICI Bank | ₹7,00,000 | 7.0% | Dec 2026 |
Mutual Funds / Stocks + Add
| Holding | Type | Invested | Current Value | Returns |
|---|---|---|---|---|
| Parag Parikh Flexi Cap | Equity MF | ₹8,00,000 | ₹13,40,000 | ▲ 67.5% |
| Nippon Liquid Fund | Debt MF | ₹1,20,000 | ₹1,24,300 | ▲ 3.6% |
| HDFC Bank Ltd (Direct) | Stock | ₹4,50,000 | ₹6,10,000 | ▲ 35.6% |
| Infosys Ltd (ESOPs) | Stock | ₹6,00,000 | ₹8,90,000 | ▲ 48.3% |
| Nifty 50 Index Fund | Equity MF | ₹12,00,000 | ₹15,80,000 | ▲ 31.7% |
Loans — Debtors & Creditors
Money you've lent or borrowed — personal & business
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Total Receivable (Debtors)
₹4,80,000
Money owed to you
Total Payable (Creditors)
₹1,50,000
Money you owe
Debtors — Money Lent Out
| Name | Relation | Amount | Date Lent | Expected Return | Status |
|---|---|---|---|---|---|
| Rahul Mehta | Friend | ₹2,00,000 | 10 Jan 2026 | 10 Jul 2026 | Pending |
| Sharma Constructions | Business — Advance | ₹2,30,000 | 05 Mar 2026 | On delivery | In Progress |
| Anita Verma | Cousin | ₹50,000 | 22 Apr 2026 | 22 Aug 2026 | Pending |
Creditors — Money Owed
| Name | Relation | Amount | Date Borrowed | Due Date | Status |
|---|---|---|---|---|---|
| Vikram Joshi | Brother-in-law | ₹1,00,000 | 15 Feb 2026 | 15 Aug 2026 | Pending |
| Office Petty Loan | Employer Advance | ₹50,000 | 01 May 2026 | Recovered via salary | EMI |
Insurance Dashboard
Health & Term cover for the whole family
+ Add Policy
🏥 Health Insurance
₹10,00,000
1 policy on file (Sakshi) · ₹8,940/yr premium
🛡️ Term / Life Insurance
₹50,00,000
1 policy on file (Ranjana) · ₹29,688/yr premium
🚗 Car Insurance
—
No policies on file yet
Family Health Cover — by Member
Only members with uploaded policy documents are shown in detail. Upload more and I'll add them here.
Sakshi Lamba (Sister)
Star Comprehensive Insurance Policy · No. 9743112005066683 · Premium ₹8,940/yr
₹10,00,000
Sum Insured + Bonus
Upload policy documents for Bharat, Shweta, Arya, or Ranjna and I'll add them here automatically.
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