InvestYadnya

Yadnya Investments has spent years advising Indian investors. Much of that advice lived in people's heads and spreadsheets. They wanted to turn it into a product investors could use on their own, at consumer scale, within SEBI's rules for registered investment advisers.

A financial planning and advice app for investors, built from an empty repository:

• Onboarding with a risk profile
• Goals and a timeline to reach them
• Portfolio import from statements, the Account Aggregator network or a spreadsheet
• Portfolio insights, looking through funds to the holdings underneath
• Cash flow and retirement planning
• An advisory report, with chat to a human adviser
• Checkout and subscriptions

Advice has to be right, so every number in a plan is calculated in code: goal priorities, lumpsum or SIP, the split across funds. The AI, Gemini on Google Cloud, writes only the explanation, recommendations and action plan, in a fixed structure. Fund names come from Yadnya's approved list, never from the model.

Prompts are versioned, every model call is traced with its cost, and changes to the plan writer are evaluated for invented facts and inconsistent summaries. Investors can also upload their consolidated account statement: standard statements are parsed directly, and anything else is read by AI into a fixed structure.

• Payments and recurring subscriptions through Razorpay
• Yadnya's Shopify store kept in sync with the app: paid orders, refunds and access to digital products
• KYC through Digio: a PAN check with the KYC registry, and Aadhaar e-sign of the advisory agreement before checkout
• Holdings across mutual funds, shares, NPS and EPF through India's Account Aggregator network, with the investor's consent
• Market data for funds and stocks from ACCORD Fintech

• Sign-in with a verified email or Google, with rate limits and protection against cross-site attacks
• A risk profile before any advice, and the KYC registry response kept for the SEBI audit trail
• A full change history on advice, payments, KYC and portfolio records
• Account Aggregator data cut to what the plan needs, with PAN and folio numbers removed
• An accessibility audit to SEBI's requirements
• Secrets in a managed vault, and deployments without stored keys

InvestYadnya serves investors directly, so it is built to take load without anyone watching it: autoscaling servers on Google Cloud Run, long jobs on background queues, and scheduled jobs for market data, Account Aggregator refreshes and the Shopify sync. A managed Postgres database with daily backups and point-in-time recovery, alerts on errors, database load and failed jobs, and deploys that run migrations and roll back on failure.

InvestYadnya is live. We run and maintain it, and keep building what comes next with the Yadnya team.