Funding · Financial Services

Finanjo raises ₹1.5 crore pre-seed from AJVC

By Startup Enthusiast · 25 February 2026

What they do

Finanjo is a behaviour-first personal finance platform for young Indian users

It raised ₹1.5 crore (about $180,000) in a pre-seed round fully led by AJVC

The platform uses the Account Aggregator framework and AI to give users a consolidated view of their finances

Finanjo, a behaviour-first personal finance platform, has raised ₹1.5 crore (about $180,000) in a pre-seed round.
The round was fully led by AJVC, an early-stage venture fund led by Aviral Bhatnagar.
The platform targets young Indian users and uses the Account Aggregator framework and AI.
It provides a consolidated real-time view of savings, spending, investments, and liabilities.
The AI assistant, named Jo, resolves approximately 90% of user finance queries.
Within weeks of its beta launch, over 5,000 users onboarded, with about 500 daily active users.
Users have connected over ₹25 crore in savings through the platform.

India processes over 10 billion UPI transactions monthly, and EMI defaults and credit card dues are rising.
The founders believe the problem is a lack of actionable guidance, not a lack of information.
Existing platforms stop at dashboards, while Finanjo aims to provide behaviour-first guidance.

Finanjo is a behaviour-first personal finance platform for young Indian users.
It uses the Account Aggregator framework and AI to give users a consolidated view of their finances.
The platform shows real-time data on savings, spending, investments, and liabilities.
Its AI assistant, Jo, resolves about 90% of user finance queries.
The company generates early revenue from referral commissions on fixed deposits and mutual funds.
It has 10 employees and is headquartered in Jaipur, India.

Use funds for product development and to enhance the AI assistant Jo.
Focus on decision intelligence, goal-based planning, and credit optimisation.
Strengthen Account Aggregator integration.
Hire across product, engineering, and content teams.
Scale user acquisition via partnerships and community channels.
Build regulatory and compliance readiness for future financial product integrations.

AJVC (lead) — Early-stage venture fund led by Aviral Bhatnagar. Its portfolio includes Mindcase, Care Dale, HandyPanda, Multibagg AI, Nuyug, Mithila Foods, Jaagruk Bharat, TruFides AI, Chop Finance, Gaadi Mech, and Iztri.

Product: AI assistant (Jo) providing consolidated real-time view of savings, spending, investments and liabilities
Customers: Young Indian users seeking simplified personal finance management and financial planning
How it makes money: B2C freemium or subscription model leveraging Account Aggregator framework
What sets it apart: Behaviour-first approach using Account Aggregator framework; AI-powered decision intelligence for goal-based and credit optimization
Operations: 5,000 active users; targeting partnerships and community-led growth channels