The honest answers.

Hundo is a private app for Indian families that reconciles your whole net worth — bank, EPF, PPF, NPS, mutual funds, stocks, gold, cash — across every portal into one honest number, and keeps your documents and renewal dates safe in one place. It runs in any browser, on a phone as well as a laptop.

Fixed deposits, EPF/EPFO, PPF, NPS, mutual funds (with XIRR and returns, marked to AMFI’s published NAVs), stocks and demat holdings, gold and sovereign gold bonds, and cash. It marks investments to market so the figure is today’s, not last year’s.

No automatic scraping and no stored bank password. You capture each account and document once; Hundo then keeps the running picture, marks investments to market from public feeds, and watches every renewal and expiry date for you.

A locked shelf for the papers that matter — Aadhaar, PAN, passport, driving licence, insurance policies, warranties and nominees. Each is stored as typed fields plus the uploaded proof, with its expiry tracked. The numbers themselves stay masked: revealing one asks for a vault PIN separate from your sign-in, and it hides itself again after thirty seconds.

Insurance premiums, EMIs, FD maturities, and passport or policy expiry. Reminders are derived automatically from the dates you capture, so nothing quietly lapses — and you can write your own for the renewal that currently lives only in your head.

The CFO is Hundo’s assistant. It reads what your household has captured — the net-worth breakdown, where money went last month, what’s due, which documents expire when — and answers from that. It proposes rather than acts: “set a reminder for the LIC premium on 12 March” arrives as a button you tap, and it has no way to delete anything. Its replies can come back code-mixed with English in Tamil, Hindi, Telugu, Kannada, Malayalam or Bengali; the rest of the interface is English for now.

Yes — that is the “for whom” axis. Every account, policy and document is held for a person, so you see the provision standing behind each member of the family instead of one household lump.

Not yet, and it’s the honest gap in a product built for families. Today a household has one sign-in, so a couple shares it. Everything inside is already per-person — each account and document is held for someone, and the family view is built on that — but a second login with its own passkey is not built. When it is, this answer changes; until then we’re not putting a date on it.

Not yet. Hundo runs in any modern browser today, on a phone as well as a laptop. The iOS and Android apps are in development and are in no store — there is no listing to find and no beta to join — and we are not putting a date on them until there is something real to download.

What the apps will do →

Yes. Your data stays in India (Google Cloud’s Mumbai region), behind passkey login and a biometric app-lock. Hundo shows no ads and never sells your data, and Sensitive numbers like Aadhaar, PAN and bank account numbers are masked before text is sent to an AI — except when the number IS what you asked it to read, such as capturing a new account, FD, EPFO, insurance or contact record.

In India — Google Cloud’s asia-south1 (Mumbai) region. It is encrypted at rest and in transit and does not leave the country in normal operation. The exception worth naming rather than burying: a question you ask the CFO goes to an AI provider outside India, with the identifiers stripped out before it leaves.

How your data is kept →

Not when you chat with it. Every question, and the ledger context sent with it, passes through a redactor first — Aadhaar, PAN, card, phone and account numbers are masked down to their last four digits, so the model can say “the account ending 5678” without ever holding the number. The exception is deliberate and it is yours: when you hand Hundo a document to read, or paste account details for it to file, the printed number is the whole point of that request, so that text goes as you sent it.

A biometric app-lock guards the app even on an unlocked phone, and when it locks it clears the session token from memory — so there is nothing for someone to resume. You sign back in with your passkey, and the vault PIN that reveals a document number is separate again, never stored on the device.

Never. There is no advertising and no data-broker business. We make money from subscriptions, not from your data.

It marks them to market from public feeds — AMFI’s published NAVs for funds, market quotes for listed stocks — and computes XIRR and returns so you see today’s value, not the amount you invested.

It reconciles what you capture into one running figure and keeps investments marked to market. It is only as complete as what you add — but once an account is in, Hundo keeps its value current for you.

Yes. The retirement passbook keeps a month-by-month EPF, PPF and NPS contribution ledger — with the employee, employer and pension split — and you can import your EPFO passbook PDF instead of typing it in.

It is read into rows, and every amount is then checked back against the text of the PDF — a figure that does not literally appear in your statement is flagged rather than filed, which is the guard against an AI inventing a number. The rows are staged for you to review, you map them to an account and a person, and nothing enters the ledger until you approve it. The original PDF stays alongside what was read out of it, and password-protected statements are fine; it asks you for the password.

You ask. Leave your email on the Start free page and we set your household up — there is no queue and no card. While Hundo is in beta we open each household by hand, because every one of them holds a real family’s financial documents.

Start free →

Because an account here is not really a login, it is a household with a real family’s financial documents in it — Aadhaar, insurance policies, bank statements, the whole net worth. While Hundo is in beta each one is opened by hand, so a person has checked the setup before your papers go into it and nobody ends up in the wrong household. It costs you one email and about two working days.

Yes — free while Hundo is in beta. No credit card, no trial clock, and no feature held back for a paid tier. It will be a paid subscription one day, because the money has to come from families rather than from ads or from selling data, and households already using it will get clear notice well before that.

The pricing page →

Paid plans, announced well in advance — nothing switches silently and no card is charged without you choosing it. What you have captured stays yours either way: you can ask us to export or delete your family’s data at any time, during the beta or after it.

Usually two working days. A person reads your email, creates the household and sends you the sign-in. If two days pass with nothing, write to hello@hundo.in — that means something went wrong at our end.

Email hello@hundo.in — we read and reply personally. The contact page says what to include so the first reply is a useful one, and the security page has the full detail on how your data is kept safe.