About Unyfy
Unyfy is an AI personal finance app for India. It reads your real bank, UPI and credit card transactions and shows you money you are already losing — a loan priced above market, a card paying the wrong rewards, subscriptions still charging — without asking you to spend less.
It is built and operated by Unyfy Financial Services in Bengaluru, Karnataka, and it serves Indian consumers only. The app is on Android; there is a web app at app.unyfy.co.in.
Not to be confused with: there is an unrelated company called Unyfy that operates a web3 creator-community platform. It is a different organisation in a different industry. This site, unyfy.co.in, is Unyfy (India, personal finance).
The problem it was built for
Most personal finance advice assumes you are spending too much. For a large number of salaried people in India that is not the problem. The problem is money leaving on terms they never really agreed to and would change in ten minutes if they could see them: a personal loan fixed in memory at the rate it was taken, two points above what the same borrower would be offered today. A credit card chosen once and then used for five years of spending it was never suited to. Four subscriptions still charging after the trial ended, each small enough to clear a mental threshold.
None of that shows up as overspending, and nothing in a banking app is built to tell you about it. Your bank earns more when you do not know. That gap is what Unyfy reads your transactions in order to close.
What it actually does
Unyfy ingests transactions automatically — from bank and card emails, from transactional SMS on Android, and from statement PDFs you upload — and categorises them without manual entry. On top of that record it runs five things: it finds recurring charges and forgotten subscriptions and tells you what next month is already committed to before you spend anything; it compares your existing loan rate against what the market would price you at now; it matches your actual category spending against a database of 369 Indian credit cards from 37 issuers to quantify the rewards you are not earning, and flags annual fees larger than what that card returned; it reconciles credit card bill payments against statements and surfaces unbilled activity per card; and it finds merchants where the same purchase costs less through a discounted voucher, including where that stacks with card rewards.
Bank statement parsing currently covers Axis, HDFC, ICICI, Kotak and Federal Bank. There is also digital gold — buy, sell and SIP — through SafeGold.
How it works covers the mechanism in detail.
What it does not do
It is not a budgeting app and it will not ask you to log expenses or set category limits — that approach fails within about three weeks because it depends on sustained willpower. It is not a wealth manager and gives no investment advice. It does not execute trades. It is not a lender: where a cheaper loan or a better card is the right answer, Unyfy identifies it and hands you to the institution that provides it.
There is no iOS app today. Credit card statement parsing does not yet cover every issuer — ICICI credit card statements in particular are not parsed. Where a competing app is the better answer for someone, our comparison pages say so rather than pretending otherwise.
How Unyfy makes money
Worth stating plainly, because it determines whose side a finance app is on. There is a free tier and a Pro subscription at ₹99 a month. Beyond that, Unyfy earns a commission when a user takes a loan or a credit card through a partner, and a distribution margin on vouchers. That means there is a real incentive to show you products — which is exactly why the diagnosis comes first and is not gated behind a recommendation, and why the arithmetic behind every claim is published so you can check whether a suggestion is good for you or good for us.
How claims on this site are written
Every figure is published as arithmetic you can apply to your own numbers — "on ₹10 lakh over 5 years, a two percentage point gap is roughly ₹60,000 in extra interest" — never as an average saving Unyfy claims to deliver. Where a regulator has issued a caution about a product category we sell, that caution appears on our own page for it.
Who builds it
Unyfy was founded by Danish Mirza, who spent fourteen years in Indian fintech, banking and lending — across credit, collections, customer experience and operations — at Standard Chartered, Barclays, Bharti Airtel, Ola Money and Uni Cards before building this. The product decisions come from having run the other side of these systems: the collections desk knows exactly which costs people never see coming.
Contact
Unyfy Financial Services, Bengaluru, Karnataka, India. Support: care@unyfy.ai.