Finanjo
Category: AI in Fintech
An AI-powered behavior-first personal finance platform that helps young Indians track expenses, monitor cash flow, and make smarter financial decisions through actionable insights rather than just data display. Finanjo was founded in 2025. The company is led by Prithviraj Singh Chauhan. Based in Jaipur, India. Team size: 2-10. Total funding raised: $180,000. Latest round: Pre-Seed. Key investors include AJVC (Aviral Bhatnagar).
- Founded
- 2025
- Headquarters
- Jaipur, India
- Team size
- 2-10
- Total funding
- $180,000
Value proposition
Transforms financial data into clear, contextual guidance that helps users understand where they stand, what's coming next, and which decisions will improve their financial position - moving from information to action through AI-powered personalized insights.
Products and solutions
Jo - AI Financial Assistant (90% query resolution rate), Expense Tracking & Cash Flow Monitoring, Goal-Based Financial Planning, Credit Optimization Tools, Account Aggregator Integration (via Finvu), SEBI RIA-enabled personalised investment advice & structured financial planning, Investment Insights & Recommendations, Financial Literacy Content / Sunday Masterclass, Referral Commission Services (FDs & Mutual Funds)
Unique value
Behavior-first approach that focuses on helping users understand financial consequences of their choices rather than just tracking data. AI assistant 'Jo' resolves approximately 90% of user finance queries and serves as a decision enabler rather than a superficial feature. Platform has connected ₹25+ crore in savings for users through consolidated real-time financial views.
Target customer
Young Indian earners and digital-native users navigating money independently for the first time, particularly those experiencing financial stress despite increasing income levels
Industries served
Fintech, Personal Finance Management, Artificial Intelligence, WealthTech, Digital Banking, Financial Literacy & Education
Technology advantage
Leverages India's RBI-licensed Account Aggregator framework for secure, consent-based data access across institutions. Combines bank-grade 256-bit SSL encryption with AI assistant Jo for personalised decision intelligence. SEBI RIA license (June 2026) provides regulatory foundation for conflict-aware investment advice and structured financial planning. Four-pillar framework (Learn, Optimise, Save, Grow) for progressive financial health.
How they differentiate
Behavior-first AI-driven approach focusing on actionable financial guidance rather than passive tracking. Proprietary AI assistant 'Jo' resolves ~90% of user queries as a decision enabler. Leverages India's RBI-licensed Account Aggregator framework for consent-based data aggregation. SEBI Registered Investment Adviser (RIA) license (June 2026) enables genuine personalised investment advice (vs commission-led distributors). Four-pillar framework (Learn, Optimise, Save, Grow) for young digital-native users.
Main competitors
INDmoney, ET Money, Kuvera
Key partnerships
AJVC (Early-stage venture fund - investor), SEBI Registered Investment Adviser (RIA) license received ~June 2026, Finvu Account Aggregator (RBI-licensed NBFC-AA), AMFI Registration (ARN: 348017) for mutual fund distribution, iOS App Store & Google Play Store distribution, Fixed Deposit & Mutual Fund product partners (referral commissions)
Major milestones
Company founded in 2025 by 3x founder Prithviraj Singh Chauhan, iOS App Store launch with public beta release, ₹1.5 crore pre-seed funding secured from AJVC in Feb 2026, 5,000+ beta users onboarded with 500 daily active users (at funding), ₹25+ crore connected savings through platform, AMFI registration (ARN: 348017) for mutual fund distribution, Partnership with Finvu Account Aggregator for RBI-compliant data sharing, SEBI Registered Investment Adviser (RIA) license received June 2026, Featured in Inc42 Fintech Startups To Watch (announced ~Jun 2026)
Growth metrics
5,000+ beta users onboarded with 500 daily active users. Platform has connected ₹25+ crore in savings for users. AI assistant 'Jo' resolving approximately 90% of user finance queries.
Market positioning
Early-stage AI fintech challenger targeting young Indian earners (digital-native generation) with focus on behavioral change and personalized financial guidance. Positioned as a 'financial companion' rather than traditional expense tracker or investment platform.
Geographic focus
India (nationwide expansion from Jaipur base), specifically targeting Tier 1 and Tier 2 cities with young professional demographics
Patents and IP
No registered patents disclosed as of latest update
About Prithviraj Singh Chauhan
3x Founder, International Finance Lawyer, King's College London Law Graduate. Previously founded Backstage with Millionaires (YouTube channel and community platform for entrepreneurs), Founder & Editor in Chief at The Indian Wire (2017-2020).
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Official website: https://finanjo.com