11:55
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🔔
VM
🎯 Goals
🛡️ Insurance
🏦 Loans
⏰
SIP Due in 3 Days
₹45,000 Retirement SIP on 27 Mar via HDFC AMC
Today
📊
Portfolio Drift Detected
Equity is 5% above target. MIA suggests rebalancing.
2h ago
Hey Vikram! 👋 What are you saving for? Pick a goal and I'll help you build a plan with the right SIP amount.
🏖️Retirement
🎓Child Education
🏠Dream Home
🆘Emergency Fund
🚗New Car
✈️Travel Fund
✨Create Custom Goal
Active Goals
4 On Track
"Am I on track for retirement?" — Let me check… You're doing great on 3 of 4 goals!
🏖️
Retirement at 55
₹2.1Cr of ₹5Cr · SIP ₹45K/mo · 18 yrs left
42%
✓ ON TRACK
🎓
Arjun's Education
₹12L of ₹50L · SIP ₹16.8K/mo · 12 yrs left
24%
✓ ON TRACK
🆘
Emergency Fund
₹6L of ₹10L · SIP ₹8K/mo · 5 mo left
60%
✓ ON TRACK
✈️
Europe Trip 2027
₹3.2L of ₹4L · SIP ₹5K/mo · 2 mo left
80%
✓ AHEAD
📋 Weekly Insight: Your total SIP of ₹74.8K/mo is well within your 30% income allocation. Emergency fund will complete by August. Consider starting a ₹10K/mo SIP towards a new car after that.
SEBI RIA Weekly insights are AI-generated based on your portfolio data. Consult your advisor before making changes. Reg. No: INA000012345
Linked Investments
Equity MF
₹1.8Cr
4 funds
Debt MF
₹32L
2 funds
PPF/NPS
₹18L
2 accts
Quick SIP Calculator — "If I invest ₹X/month for Y years at Z%..."
Monthly SIP₹25,000
Duration15 Years
Expected Return12.0%
Total Invested
₹45.0L
Corpus
₹1.26Cr
Scenario Engine
"What if I increase my SIP by 20%?" — Drag the slider to see how changes affect your goals:
🎛️
Goal Scenario Simulator
Adjust and see real-time impact
Monthly SIP Change
-50%No change+100%
Retirement
55 yrs
Education
₹50L
Total Corpus
₹7.2Cr
Wealth Health
0
Good Standing
Goals on track · Insurance gaps detected · Low debt ratio
Goals ✓ Insurance ✗ Debt ✓ Savings ✓
Curated Baskets
Invest in ready-made baskets curated by our research team — diversified, rebalanced quarterly:
🏛️
All Weather
Balanced equity+debt for stability
+14.2% CAGR
🚀
High Growth
Mid & small cap focused
+22.8% CAGR
💎
Dividend Yield
Steady income generators
+11.5% + Div
🌍
Global Diversified
US + India + EM blend
+16.1% CAGR
SEBI RIA Past performance does not guarantee future returns. Baskets are rebalanced quarterly per SEBI guidelines. Reg. No: INA000012345
Estate Planning
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Trust + Will
₹4,999
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Family Pack
₹7,999
Refer & Earn
🎁
Give ₹500, Get ₹500
Share your code · Friend gets ₹500 off first year · You earn ₹500 credit
VIKRAM500
Hi Vikram! 🛡️ Let me check if your family's coverage is adequate. I'll need a few quick answers.
How many members in your family?
2
3-4
5+
3-4 members
And your annual household income?
₹10-25L
₹25-75L
₹75L+
₹25-75L / year
What's your existing coverage? I've pulled what I found via Account Aggregator + FinFactor:
Current Policies (via AA + Manual)
❤️ Term Life · LIC
₹50L
₹12,500/yr
🏥 Health · Star
₹10L
₹18,000/yr · Family
🚗 Motor · ICICI
Comp.
₹8,200/yr
Life ₹50L, Health ₹10L, Motor OK
Based on your AA data, your life cover is ₹50L but I recommend ₹1.5Cr for your income level. Health cover at ₹10L may be insufficient — recommended ₹25L. You also have no critical illness cover.
📊
Coverage Gap Analysis
Current vs Recommended
Gaps Found
❤️ Life Cover
Now: ₹50L Need: ₹1.5Cr
🏥 Health Cover
Now: ₹10L Need: ₹25L
☂️ Critical Illness
Now: None Need: ₹50L
🚗 Vehicle
✓ Adequate
You need ₹1Cr more term cover and ₹15L more health cover. I'd recommend speaking with a Ditto Insurance advisor — they find the best plans at lowest premiums. No commissions, pure advice.
SEBI RIA Insurance recommendations are based on income-multiple and lifestyle analysis. Ditto Insurance is an independent advisor. BYLD Wealth earns no commission on insurance products. Reg. No: INA000012345
Book a free 30-min call with a Ditto expert. Pick a date and time:
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Hey Vikram! 🏦 Based on your Account Aggregator data, I've analysed your existing loans and found some pre-qualified offers that could save you money.
I see your home loan at SBI is 9.2%. Current market rates are 8.5%. Refinancing could save ₹3.8L over your remaining tenure.
💰 Save ₹3.8L
Home Loan Refinance
Switch HDFC → SBI
9.2% → 8.5%
Outstanding
₹95L
New EMI
₹38.5K
was ₹42K
Total Savings
₹3.8L
over tenure
You also have a pre-approved personal loan from ICICI based on your credit profile:
⚡ Pre-Approved
Personal Loan
ICICI Personal Loan
Amount
₹10L
Rate
10.5%
p.a.
Tenure
5 Yrs
flexible
💡 My recommendation: The home loan refinance is a no-brainer — saves ₹3,500/mo with zero effort. For the personal loan, only take it if you truly need liquidity. Want me to run the EMI numbers?
🧮 Yes, show EMI calculator
📊 Compare both loans
SEBI RIA Loan offers are sourced from partner lenders via Account Aggregator. BYLD Wealth may earn referral fees. Terms and conditions apply. This is not financial advice.
All Loan Types
I can help with 9 types of loans. Tap one and I'll find the best rates via AA data:
🏠
Home Loan
🚗
Car Loan
🎓
Education
💼
Business
💎
Gold Loan
🏦
Loan vs FD
🔄
Refinance
👤
Personal
📱
Top-Up
Blostem Fixed Deposits
💰 Park short-term money in Blostem FDs — up to 9.25% p.a., insured up to ₹5L per deposit. Great for your emergency fund overflow.
🏦
Blostem FD Marketplace
DICGC insured · Up to 9.25% p.a.
12 Months
8.75%
24 Months
9.10%
36 Months
9.25%
PARTNER Blostem FDs are offered by RBI-regulated NBFCs. Deposits insured under DICGC up to ₹5L. BYLD Wealth earns referral fees. T&C apply.
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