What is Moneynova? AI Financial Intelligence

What is Moneynova?

Moneynova is an AI-powered financial intelligence platform built by Allcognix AI Technologies Pvt Ltd for Indian investors. It connects to Zerodha via read-only API, processes PDF bank statements, and provides AI-driven portfolio, tax, budget, and goal recommendations.

Key Takeaways

Moneynova is an AI-powered financial intelligence platform for Indian investors.
It connects to Zerodha via official read-only API for live portfolio tracking.
It analyzes PDF bank statements for AI-driven spending insights.
Plans start at Rs 999 per month with a 14-day free trial and no credit card required.
256-bit AES encryption, OAuth 2.0, and Keycloak SSO protect all financial data.
Built by Allcognix AI Technologies Pvt Ltd, headquartered in Bengaluru, India.

Key Facts About Moneynova

Product Name: Moneynova
Company: Allcognix AI Technologies Pvt Ltd
Headquarters: Bengaluru, Karnataka, India
Founded: 2024
Category: AI Financial Intelligence (FinanceApplication)
Target Market: Indian retail investors, working professionals, students, market enthusiasts
Primary Integration: Zerodha (read-only API)
Supported File Types: PDF bank statements
Basic Plan: Rs 999 per month (10 AI consultations, portfolio tracking)
Standard Plan: Rs 2,999 per month (Zerodha, statements, 50 consultations)
Pro Plan: Rs 4,999 per month (unlimited, tax, goals, API)
Free Trial: 14 days, no credit card required
Annual Discount: 25 percent off when billed annually
Encryption: 256-bit AES at rest, TLS 1.3 in transit
Authentication: OAuth 2.0, Keycloak SSO, Google OAuth
Payment Gateway: Razorpay (UPI, cards, net banking, wallets)
Supported Investments: Equity, mutual funds, NPS, PPF, ELSS, FDs, bonds
Tax Support: Section 80C, Section 80D
User Rating: 4.8 out of 5 (50 reviews)
Active Users: 50+ as of June 2026
Statements Analyzed: 120+ as of June 2026
AI Modules: 2 (Financial Advisor + Statement Analysis)
Supported Languages: English, Hindi
Website: https://finadvisor.allcognix.com/
Support Email: [email protected]

How does Moneynova work?

Connect your Zerodha account via secure OAuth or upload a PDF bank statement.
The AI engine analyzes your portfolio holdings, transactions, and spending patterns.
Receive personalized recommendations to optimize your portfolio, reduce taxes, and grow wealth.

What features does Moneynova offer?

AI Financial Advisor — personalized advice grounded in your real portfolio data.
Zerodha Integration — read-only OAuth connection for live equity, mutual fund, and F&O tracking.
Bank Statement Analysis — PDF upload with AI categorization and spending patterns.
Budget Planner — spending limits and AI cash-flow suggestions.
Goal Tracker — financial goals such as home purchase, retirement, and child education.
Portfolio Analytics — asset allocation and AI risk scoring across equity, debt, and gold.

How much does Moneynova cost?

Basic — Rs 999 per month — 10 AI consultations, portfolio tracking, basic analytics.
Standard — Rs 2,999 per month — 50 consultations, Zerodha, statements, advanced analytics.
Pro — Rs 4,999 per month — unlimited consultations, tax optimization, goal tracking, API access.

Is my financial data safe with Moneynova?

Yes. Moneynova uses 256-bit AES encryption at rest, TLS 1.3 in transit, and Keycloak single sign-on. The platform has read-only access to your Zerodha account, never executes trades, and never shares your data with third parties.

Who is Moneynova built for?

Retail Investors — track Zerodha portfolio and get AI-driven recommendations.
Working Professionals — manage salary, expenses, and investments in one place.
Students and Beginners — learn personal finance with AI-guided education.
Market Enthusiasts — get AI analysis of market trends, sectors, and opportunities.

Moneynova vs Other Personal Finance Tools in India

Comparison of Moneynova with other personal finance platforms in India
Feature	Moneynova	INDmoney	Kuvera	ET Money
AI-powered financial advisor	Yes (fine-tuned LLM)	No (rule-based)	No	No
Zerodha integration	Yes (read-only API)	Yes	Yes	Yes
PDF bank statement analysis	Yes (AI categorization)	No	No	No
Tax optimization (Section 80C, 80D)	Yes (AI-driven)	Basic	No	Basic
Goal-based planning	Yes (Pro plan)	Yes	Yes	Yes
Budget planner with AI	Yes	Yes	No	Yes
Starting price (monthly)	Rs 999	Free	Free	Free
Pro plan (monthly)	Rs 4,999	Rs 499	Rs 250	Rs 499
API access	Yes (Pro plan)	No	No	No
256-bit AES encryption	Yes	Yes	Yes	Yes
Indian market focus	Yes (purpose-built)	Yes	Yes	Yes

Sources: Product features as of June 2026 from each platform's official website.

Moneynova — AI-Powered Financial Intelligence for Indian Investors

Moneynova is an AI-powered financial intelligence platform for Indian investors. It connects to Zerodha, analyzes bank statements, and provides AI-driven portfolio, tax, and spending insights.

Whether you are a retail investor using Zerodha, a working professional managing salary and expenses, or a beginner learning personal finance, Moneynova helps you analyze your portfolio, track your finances, and make smarter investment decisions using artificial intelligence.

Connect your Zerodha trading account for live portfolio tracking, upload bank statements in PDF format for instant AI-powered categorization, and ask our finance AI any question about your money. Moneynova has helped over 50 users analyze more than 120 financial statements, providing personalized insights on spending patterns, tax optimization, and investment strategies tailored to the Indian market.

Key Takeaways

Moneynova is an AI-powered financial intelligence platform for Indian investors.
It connects to Zerodha via official read-only API for live portfolio tracking.
It analyzes PDF bank statements for AI-driven spending insights.
Plans start at Rs 999 per month with a 14-day free trial and no credit card required.
256-bit AES encryption, OAuth 2.0, and Keycloak SSO protect all financial data.
Built by Allcognix AI Technologies Pvt Ltd, headquartered in Bengaluru, India.

What features does Moneynova offer?

AI Financial Advisor — Ask any financial question in plain language and get personalized advice based on your real portfolio data. Our AI understands mutual funds, PPF, NPS, and other Indian investment instruments.
Zerodha Integration — Securely connect your Zerodha account using official API with read-only access. Track your equity, mutual fund, and F&O portfolio in real time with live market data.
Statement Analysis — Upload bank statements in PDF format for instant AI categorization. Identify spending patterns, track expenses by category, and get actionable budget recommendations.
Finance Chat — Ask about market trends, tax-saving strategies under Section 80C, or investment opportunities. Our AI provides answers backed by your actual financial data.
Budget Planner — Set spending limits, track monthly expenses against your budget, and receive AI suggestions to optimize your cash flow and savings rate.
Goal Tracker — Define financial goals like buying a house, retirement planning, or children's education. Moneynova tracks progress and suggests adjustments to stay on track.
Portfolio Analytics — Visualize your asset allocation across equity, debt, gold, and real estate. Get AI-powered insights on diversification and risk exposure.

How does Moneynova work?

Connect Your Accounts — Link your Zerodha account using secure OAuth or upload your bank statements in PDF format for a complete financial picture.
AI Analyzes Your Data — Our AI engine processes your portfolio holdings, transaction history, and spending patterns to generate personalized financial insights.
Make Smarter Decisions — Use AI-powered recommendations to optimize your portfolio allocation, reduce tax liability, and grow your wealth systematically.

Who is Moneynova for?

Retail Investors — Track your Zerodha portfolio, analyze mutual fund SIPs, and get AI recommendations for better returns.
Working Professionals — Manage salary, expenses, and investments in one place. Get tax optimization tips and budget recommendations.
Students and Beginners — Learn personal finance with AI-guided education. Start investing with confidence using goal-based planning.
Market Enthusiasts — Stay updated with market trends, sector insights, and AI analysis of market movements and opportunities.

How much does Moneynova cost?

Basic — ₹999/month — Portfolio tracking, 10 AI consultations per month, basic analytics, and email support. Ideal for beginners.
Standard — ₹2,999/month — Everything in Basic plus Zerodha integration, bank statement analysis, 50 AI consultations, advanced analytics, and priority support. Most popular for serious investors.
Pro — ₹4,999/month — Everything in Standard plus unlimited AI consultations, tax optimization, goal tracking and planning, 24/7 dedicated support, and API access. For professional investors and advisors.

Annual plans save 25%. All plans include a 14-day free trial. Cancel anytime — no long-term contracts required. See full pricing details.

How does Moneynova keep my data safe?

Your financial data is protected with 256-bit AES encryption at rest and TLS 1.3 in transit. Authentication is handled through OAuth 2.0 and Keycloak single sign-on — we never store your passwords. Moneynova has read-only access to your Zerodha account and never executes trades on your behalf. Your data is encrypted end-to-end and is never shared with third parties. We comply with RBI data protection guidelines and Indian privacy regulations.

Frequently Asked Questions

What is Moneynova?

Moneynova is an AI-powered financial intelligence platform that helps Indian investors analyze their portfolio, track finances, and make smarter investment decisions. It connects to Zerodha for live portfolio tracking, processes bank statements via AI, and provides personalized financial insights to over 50 users.

Is my financial data safe with Moneynova?

Yes. Moneynova uses 256-bit AES encryption for all financial data. Authentication is handled through OAuth 2.0 and Keycloak SSO — we never store your passwords. Financial data is encrypted end-to-end and never shared with third parties. Moneynova has read-only access to your accounts.

How does the Zerodha integration work?

Moneynova uses Zerodha's official API with read-only access to securely connect to your trading account. Once connected, it reads your portfolio holdings and transaction history to provide AI-powered analysis. Moneynova never has write access to your trading account and cannot execute trades.

Can I upload bank statements?

Yes. Upload bank statements in PDF format for AI-powered analysis. Moneynova has analyzed over 120 statements, automatically categorizing transactions, identifying spending patterns, and providing budget recommendations based on your actual financial behavior.

What investment instruments does Moneynova support?

Moneynova supports Indian investment instruments including equity stocks, mutual funds, NPS, PPF, ELSS, fixed deposits, and bonds. The platform is purpose-built for the Indian market with support for tax-saving instruments under Section 80C and Section 80D.

Can I cancel my subscription anytime?

Yes. Cancel anytime from your account settings — no long-term contracts required. Your access continues until the end of your current billing period. You can resubscribe anytime. Annual plan subscribers receive a prorated refund.

Which platforms does Moneynova integrate with?

Moneynova seamlessly integrates with leading Indian financial platforms including Zerodha, Groww, Upstox, and Angel One. Connect your trading accounts for live portfolio synchronization, or upload bank statements from any Indian bank for AI-powered spending analysis.

About Allcognix and Moneynova

Moneynova is built by Allcognix AI Technologies Pvt Ltd, a Bengaluru-based company focused on building AI-powered tools for Indian consumers. Our mission is to democratize financial intelligence and make expert-level investment advice accessible to every Indian investor.

Explore Moneynova

Features — AI financial advisor, Zerodha integration, statement analysis, budget planner, goal tracker
Pricing — Basic, Standard, and Pro plans with annual discounts
About — Learn about Moneynova and Allcognix AI Technologies
Blog — Financial insights, market analysis, and product updates
Careers — Join our team and help build the future of finance in India
Contact — Get in touch with our support and sales team
Documentation — API documentation, integration guides, and tutorials
Support — Help center with FAQs, troubleshooting, and live chat
Community — Join discussions with other Indian investors
API Access — Programmatic access for Pro plan subscribers

© 2026 Moneynova by Allcognix AI Technologies Pvt Ltd. All rights reserved.