Prithvi

Founder - Finanjo

13 Articles

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Articles by Prithvi

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The 600% APR Problem: What Legal Lending in India Actually Looks Like

In 2022, I was living in Stockholm. One evening, a Swedish friend of mine, 24 years old, working her first job at a design…

Prithvi

Jul 20, 2026

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Finanjo is Now a SEBI-Registered Investment Adviser

A few days ago, we received our SEBI Registered Investment Adviser (RIA) license. For Finanjo, this is a significant milestone. It is also a…

Prithvi

Jun 15, 2026

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The personalisation gap: why Indian finance apps know your balance but not your situation

The personal finance industry in India has spent a decade asking the wrong question. The question it has been asking: how do we get…

Prithvi

May 13, 2026

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Data without decisions is useless – why dashboards are failing young Indians

Here is a scene that plays out thousands of times a day across every personal finance app in India. A user opens the app.…

Prithvi

Apr 06, 2026

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4,000 queries to Jo. Here’s what young India actually wants from a finance app

Last month, a user sent Jo this message: “If my salary stopped for one month, how long could I maintain my current lifestyle?” This…

Prithvi

Mar 30, 2026

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Personal Finance Isn’t a Literacy Problem

Before we wrote a single line of code for Finanjo, Pankaj and I spent months talking to young Indians about their relationship with money.…

Prithvi

Mar 16, 2026

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Blume Just Said What We’ve Been Building For

I read a lot of investor reports. Most of them describe problems I already know and solutions that remain safely abstract. We had a…

Prithvi

Mar 09, 2026

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Are Account Aggregators Safe?

Every day, someone downloads Finanjo, looks at the screen asking them to connect their bank account, and pauses. The message I get most from…

Prithvi

Mar 03, 2026

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Finanjo Raises ₹1.5 Crore in Pre-Seed Funding Led by AJVC to Transform Personal Finance for Young Indians

Jaipur, India – Finanjo (Finanjo Ventures Private Limited), a full-stack personal finance platform built for young Indians, today announced the close of its pre-seed…

Prithvi

Feb 25, 2026

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Account Aggregators Will Be the Next Big Thing in India

We have seen this before. In 2014, when the government launched the Jan Dhan Yojana, a lot of people dismissed it. Too ambitious. Too…

Prithvi

Feb 19, 2026

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Finanjo: From Financial Ambiguity to Financial Clarity

Finanjo aims to be a financial buddy for young Indians. Transparent. Unfiltered. Always on time. Imagine having an EMI due on the 20th of…

Prithvi

Feb 11, 2026

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From Dashboards to Decisions

This writeup is a part of my series where I share about how Finanjo came to be. This is part 2 of the series.…

Prithvi

Feb 10, 2026

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