For Individuals — Reach - Your Financial Partner

Portfolio

See your whole picture,
not just the pieces.

Stocks, mutual funds, gold, EPF, NPS — scattered across a dozen apps. Reach pulls it all into one living view, so you always know exactly where you stand. No more guessing. No more surprises.

All assets consolidated — equities, MFs, debt, gold, provident fund
Live P&L with XIRR-based returns, not just absolute gains
Allocation heatmaps that show concentration risk at a glance
One-tap comparison against Nifty 50 and peer benchmarks

Portfolio Overview

↑ 18.4% XIRR

₹14,21,850

Across 6 instruments · Updated just now

Equity 62% Debt 28% Gold 10% Rebalance suggested

Cash Flow · December

↑ Saved ₹12,400

Jul

Aug

Sep

Oct

Nov

Dec

🏠

Housing

₹18k / ₹23k

🛒

Groceries

₹4.5k / ₹10k

✈️

Travel

₹2k / ₹10k

Finances

Know where every
rupee really goes.

Awareness is the first step to control. Reach auto-categorises every transaction across all your accounts and shows you the unfiltered truth about your spending — without judgment, just clarity.

Automatic categorisation across all linked bank accounts and cards
Monthly budget envelopes with real-time spend tracking
Income vs expense cashflow with 6-month trend lines
Recurring spend detection — subscriptions you forgot about

Wealth Advice

Advice that knows
your name,
not just your bracket.

Generic financial advice is the same for everyone — and helpful to no one. Reach's wealth engine analyses your actual portfolio, income, goals, and risk appetite to surface recommendations that are specifically, precisely yours.

Personalised Wealth Score updated monthly — see what's moving it
Goal-based planning for retirement, children's education, home purchase
Tax-optimisation nudges — harvest losses, maximise 80C, 80D before March
On-demand access to SEBI-registered advisers — no sales scripts

Your Wealth Score

↑ +4 this month · Good

Rebalance Your Portfolio

Equity is 7% overweight. Trim large-cap, add short-duration debt.

Build Your Emergency Buffer

You're ₹60,000 short of a 3-month safety net.

Max Out Your 80C Before March

₹42,000 of your ₹1.5L limit is still unused.

Personal Loan · Active

Approved

Loan Amount

₹5L

Tenure

24mo

Rate

10.5%

Repayment Progress

8 of 24 paid

Paid: ₹1.65L

Remaining: ₹3.35L

Next EMI Due

Mar 5, 2026

₹23,800

Auto-pay On

Loans

Borrow smarter,
not harder.

Pre-approved personal, home, and education loans — sized to what you actually need, priced to what your profile deserves. Apply in minutes, get funds in hours, track every rupee from one screen.

AI-underwritten pre-approvals based on your income, spending, and credit profile
Personal, home, education, and gold loans — all from a single dashboard
Zero-queue disbursals for pre-approved borrowers — money in hours, not days
Auto-pay EMIs, foreclosure calculator, and part-payment with zero penalties

Manage Investments

Buy, sell, switch —
your portfolio, your pace.

Direct mutual funds, SIPs, lump-sum purchases, and portfolio rebalancing — all from one screen. AI-powered recommendations show you exactly what to buy, what to trim, and when. No AMFI jargon, no paperwork trail.

3,000+ direct mutual funds with zero commission — keep more of your returns
Smart SIP manager — start, pause, step-up, or switch funds with a tap
AI buy/sell suggestions based on your goal timeline and tax situation
One-click tax-loss harvesting and automatic portfolio rebalancing

My Mutual Funds

3 Funds Active

Parag Parikh Flexi Cap

Equity · Direct · Growth

+21.4%

3Y CAGR

Current Value

₹4,28,000

HDFC Short Duration

Debt · Direct · Growth

+7.2%

1Y Return

Current Value

₹1,82,400

AI Suggestion · Tax-Loss Harvest

Switch ₹50,000 from HDFC Short Duration to Mirae Asset Liquid. Saves ₹3,200 in short-term tax before March 31.

Your Dedicated Partner

A real person,
in your corner.

Every Reach user gets a named Reach partner — a SEBI-registered adviser assigned to you personally. Not a call centre. Not a bot. Someone who knows your portfolio, remembers your goals, and reaches out before you have to ask.

Ananya Krishnan

SEBI-Registered Investment Adviser

Wealth Planning Tax Optimisation Retirement

Available now

Ananya Today, 11:42 am

Hi Rahul — I noticed your March SIP hits right before your advance tax deadline. Want me to adjust the date so you're not stretched on cash that week?

3 yrs

Your adviser since

Reviews done

Avg. response time

On-demand, not on hold

Reach your partner via call, chat, or video — any time during market hours. No queues, no transfers, no explaining yourself twice.

Consistent, not rotating

The same adviser, every time. They know your story — your risk appetite, your life stage, the goal you haven't told your family yet.

Proactive, not reactive

They don't wait for you to call. Portfolio drifts, tax deadlines, SIP timing, rate changes — your partner flags it first, before it costs you.

SEBI-registered, fee-only

No commissions, no product pushing. Your adviser earns nothing from what they recommend — only from serving you well.

2,500+

Dedicated Advisers

4.8 ★

Average Adviser Rating

< 4h

Median Response Time

100%

SEBI Registered

Your money,finally workingas hard as you do.

See your whole picture,not just the pieces.

Know where everyrupee really goes.

Advice that knowsyour name,not just your bracket.

Borrow smarter,not harder.

Buy, sell, switch —your portfolio, your pace.

A real person,in your corner.