Everything you owe, own, and promise.

Connect. Understand. Never trade.

Connect supported investment accounts for holdings and analysis without giving Perovo trading power. Groww and Upstox connections are read-only, and you can also track holdings manually.

• Current value · invested · average cost · P&L
• Market price and today’s movement where supported
• Personal indexes · eligible benchmark comparison · contribution
• Concentration, effective constituent count and risk when history is sufficient
• Import supported broker trade history from Excel or CSV

Connect. Understand. Never trade. Perovo does not place orders or move money.

See the context around what you own and owe

Perovo adds category-aware analysis to ledger records, with the inputs and limitations visible alongside each result.

• Asset allocation and concentration across included records
• Linked-debt equity and loan-to-value when financing details are recorded
• Insurance protection context, property evidence and gold or vehicle considerations
• Retirement products and investments in their relevant financial context
• FD and RD deposits with maturity and pledge context when terms are recorded

Analysis depends on the category, linked records and evidence available. Values may be estimates; Perovo does not present them as independent appraisals.

Evidence, context and visible limitations

Each estimate shows the evidence behind it. Perovo combines the property details you provide with market and location evidence (comparable listings, locality, road or corridor, landmarks and observed asking-price ranges) and states its confidence and freshness.

• Comparable evidence · observed ranges
• Locality / corridor / landmark context
• Land-specific analysis where relevant
• Confidence and freshness on the estimate

Asking prices are not transaction prices. An estimate is not a registered sale price or professional appraisal.

FD and RD in the Ownership Center

Deposits live as ledger holdings with holding-style detail: terms you entered, projected maturity when conventions are clear, and how the deposit sits with the rest of your recorded assets.

• Searchable Indian bank list and product type on add and edit
• Maturity and payout context from the terms you record
• Post-tax and inflation context only when your tax assumptions are available
• Optional link from an FD to a secured card, with an explanatory liquidity note (no rewards tracking)
• DICGC-style coverage grouping only when bank identity and eligibility evidence support it

No live bank login, fabricated institution rates, or automatic deposit booking. Regular credit cards stay on Bills as billing-cycle reminders.

Public risk feeds, applied to your own records

The hub watches several public feeds where available: India weather warnings (IMD), global disaster alerts (GDACS), disease outbreak notices (WHO), currency moves (ECB reference rates), plus signed-in macro and climate indicators (IMF, NOAA ENSO, World Bank) when that server path is live.

• Climate and resources · health emergencies · economy and markets · inflation and cost of living
• Named source, dates and status: confirmed, developing, forecast or scenario
• How a risk could reach your money, using only records you already keep in Perovo
• What-if arithmetic: essential costs up, income down, floating rates up
• A proportionate preparedness checklist, with no instruction to sell holdings or to buy on headlines

Experimental. No crisis probabilities, loss amounts or investment advice. Government/policy and cyber sources are not connected yet. Some feeds need sign-in and a deployed server function; monitoring runs while you use the page, not as a guaranteed push service. Absence of a risk here is not absence of risk.

Each bill shows its due date, history and cashflow effect

Open a bill for its due-date context, payment history and how upcoming commitments fit your recorded cashflow. Perovo can surface local reminders where device permissions allow.

• Free cash · monthly burden · runway
• Credit cards: record billing day and due day (1–28) for cycle reminders
• Upcoming obligations · debt pressure
• Subscription leak patterns from commitments you record (Pro)
• Payment-timing context and actionable due reminders
• UPI payment initiation for eligible bills

Reminders and insights use the details you record. Perovo does not settle bills automatically, read a bank transaction feed or your SMS inbox, or track card utilization and rewards. FD-backed secured cards are covered under Deposits.

See the financial impact before you decide.

Explore goal feasibility against available cash, future cashflow, EMI math, extra-payment scenarios and debt payoff strategies using the terms you record.

• Goals · scenarios · loan payoff
• Financial runway and commitment-aware cashflow
• Retirement planners · tax estimates · insurance coverage math
• FD / RD toolkit planners alongside ledger deposit holdings