About Unyfy

The app is built and operated by a private limited company registered in Bengaluru, Karnataka, and it serves Indian consumers only. That company is the legal party behind the Android app, the web app and the website. Its full name is in the site footer and on the legal pages, and it is that name, not the brand, that a complaint, a contract or a request about your data is addressed to.

The founder is Danish Mirza. Before starting the company he spent fourteen years in Indian fintech, banking and lending, working across credit, collections, customer experience and operations at Standard Chartered, Barclays, Bharti Airtel, Ola Money and Uni Cards. The product reflects that side of the counter. Someone who has run lending and collections knows which costs borrowers never see coming: the loan rate nobody revisits after the sanction, the card fee that outlives its use, the mandate that keeps debiting long after the service it paid for has ended. None of those looks like overspending on a statement, and none of them is flagged by the bank that benefits from it.

The app assembles your transactions from three sources, none of which needs your bank login. It reads bank and card transaction emails, with your permission. On Android it also reads transactional SMS, which is where most UPI activity is reported. And it parses bank statement PDFs you upload, currently from Axis, HDFC, ICICI, Kotak and Federal Bank. Because the same payment often arrives as an SMS and an email, a debit already seen through one channel is dropped when it turns up in the other, so it is counted once. There is no manual entry.

A raw UPI line names a handle, not a shop. A merchant database of about 10,000 entries maps those handles to merchant names, which is what makes categories and recurring-charge detection possible without you labelling anything.

What it never holds is your bank password or your UPI PIN, and it cannot move money on its own. Where money does move from inside the app, such as a digital gold purchase or a gold SIP, that is a payment you authorise in the app yourself. On iPhone, use the web app at app.unyfy.co.in, which reads your bank's email alerts and statements.

With the ledger assembled, the app looks for money leaving on terms you would change if you could see them. On Pro, its Fixed Expenses screen predicts what the coming month is already committed to, the EMIs, SIPs, rent, bills, subscriptions and card bill that recur on a cycle, and lists each recurring subscription with its amount and whether it is due or paid. It notices when the salary credit rises, a raise landing, and shows how much of the increase has not yet been allocated to anything. And it works out a blended interest rate across every loan and card it can see, with a live FOIR: the share of take-home already committed to EMIs.

For loans and cards it goes a step further. It flags a loan priced above what the same borrower would be offered today and says whether switching is worth it after the processing fee. Its loan eligibility check pulls your Equifax credit report as a soft enquiry, which does not affect the score, and shows the score and the accounts behind it, including any overdue, settled or written-off account, before you apply anywhere. Offers come from 15+ banks and NBFCs, and only the one lender you choose to apply with runs a hard enquiry. Card discovery matches your actual category spending against 605 Indian credit cards from 32 issuers, gated by income so it shows cards you could realistically get.

Two things move money, and both only when you act. Discounted merchant vouchers typically save around 7.5 percent, varying by brand: on an illustrative ₹5,000 a month at brands that sell them, about ₹375 a month or ₹4,500 a year. Digital gold, 24K at 99.9 percent purity, can be bought, sold or accumulated through a SIP via SafeGold, and a visible surplus can be moved into it in a tap; each is a payment you authorise.

Here is the blended rate worked on an illustrative household, so you can do the same with your own balances.

This one is not a lender: where a loan or a card is the answer, it shows the comparison and hands you to the bank or NBFC that provides it, only if you choose to go ahead. It gives no investment advice and executes no trades; digital gold is a purchase you make, not a recommendation it gives.

It is not a budgeting app in the usual sense either. Instead of budget caps and logging, it starts from what is already committed, on the view that most of a month is decided by commitments, not by willpower on small spends. Two steps stay with you, and the app shows you where to take them:

There is a free tier and a Pro subscription at Rs 99 a month, which is ₹1,188 a year. Beyond that, the company earns a commission when you take a loan or a credit card through a partner, and a margin on the vouchers it sells. The diagnosis, seeing what your money is doing and whether a product you hold is overpriced, is free and is not gated behind a recommendation. You can learn that a switch is not worth it without paying and without being sold anything.

That design is only credible if the switching arithmetic is shown, because both loans below would pay the company a commission if you moved them. Only one of them should move.

Everything above can be asked of any personal finance app, and should be, because connecting one hands it a running record of your life. Six questions, what a good answer looks like, and how this company answers each of them.

The company answers support email at care@unyfy.ai and WhatsApp at 8088228716, Monday to Saturday, 9AM to 6PM. The office address given on the site is No. 46, 1st Floor, 12th Main Rd, HSR, Bengaluru 560102, Karnataka, India.

The support mailbox sits on the .ai domain, the website on .co.in, and the web app on a subdomain of the website. They are one company. People who search for the name with AI added, or who type the .ai domain, are looking for the same Bengaluru personal finance app; there is no separate AI product and no separate company. The AI describes how the app reads: turning raw alert text and UPI handles into merchants, categories and recurring commitments, and turning those into the checks described above.

The problem this company was built for is money leaving on terms you agreed to once and stopped checking. Two capabilities address it most directly. On Pro, the Fixed Expenses screen predicts next month's committed outflows, the EMIs, SIPs, rent, bills, subscriptions and card bill, with what is paid and what is left so far this month; its Subscriptions list shows each recurring subscription with its amount and whether it is due or paid, and each one's detail shows how often it is paid, the usual payment days and the past months' payments. The second flags a loan priced above what you would be offered today and says whether switching is worth it once the fee is counted.

For each flagged loan you see the rate you pay beside the rate offered today, the fee with GST, and the net rupees over the months left, shown as a loss where switching loses. Both are built from bank and card alerts, SMS on Android and statements you upload. It never asks for your bank password or UPI PIN, and every payment is one you authorise. You cancel a mandate in the UPI app that set it up. Install Unyfy on Android, or use the web app at app.unyfy.co.in on an iPhone.