01 · Record
Your ledger
Bills, assets, FD and RD deposits, liabilities, lending, rental terms and goals, entered once on your device and reused across the app.
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How it works
Record. Connect. Understand. Act.
Perovo works in four steps, and each step reuses the records from the one before. Your ledger stays local-first, and connections and cloud backup start only when you turn them on.
02 · Connect
When you choose
Read-only Groww and Upstox holdings, property evidence, UPI payment, eSign and optional Pro cloud backup.
03 · Understand
Engines + evidence
Score, pressure, payoff, deposit maturity context, personal indexes vs NIFTY/SENSEX, and property evidence. Perovo calculates. AI explains.
04 · Act
Next steps
Pay eligible bills via UPI, plan scenarios, export or sign agreements, track what changed.
Perovo does not read your SMS inbox or connect to your bank account for automatic transaction import. BBPS bill settlement is not currently live. Unsupported brokers are not advertised.
Principles
Perovo calculates. AI explains. You decide.
Every number comes from a calculation engine or a disclosed source.
Investments
Read-only holdings and personal indexes
Read-only holdings, contribution analysis, My Holdings and My Stocks indexes, Wishlist baskets and NIFTY 50 or SENSEX comparison. Perovo never places trades.
Deposits
FD and RD with maturity context
Ledger holdings built from the terms you record. Secured-card links are explanatory only, and regular cards appear on Bills as billing-cycle reminders.
Property
Estimates with their evidence
Comparable listings, observed ranges, freshness and confidence. An estimate is not a certified appraisal.
Privacy
Local-first by default
Connected features share only what that feature needs. See Privacy for the full map.
Security
Stated security controls
Row-level security, 2FA, app lock and verified releases. Perovo makes no “bank-grade” claim.