Financial product intelligence · MyraNest

The fine print, finally makes sense.

Share a loan agreement, policy, fund factsheet or FD brochure. Myra identifies the product and, for personal loans today, explains its terms, charges and risks in a cited report saved to your account.

Findings cited to the pagePrivate by defaultNo product selling

Check a financial productPersonal & home loans live

Sanction letterLoan agreementKFSPolicyFactsheetCASFD brochureTerm sheet

Choosing between two loan offers? Put them side by side NewGot an Income Tax notice? Know your next move

Your documents stay tied to your account, and you can delete them any time. Account numbers are masked to the last 4 digits. Other products are recognised now and fully analysed as each one opens.

Sample reportsInvented providers, worked through like your own check

Loans & credit

Personal loanKFS, sanction letter, agreement, statement · ₹8 lakhOpen →Home loanSanction letter, rate notices, statement · rate resets, prepaying, a top-upOpen →Credit cardStatement, KFS and MITC · late fee, charges, minimum dueOpen →Credit lineSanction letter + pledge statement · margin, LTV, cost of useOpen →Gold loanPledge card · gold value, RBI's limit, bullet repaymentOpen →Education loanSanction letter + statement · interest while studying, tax, subsidyOpen →

Insurance

Health insurancePolicy schedule + CIS · a hospital bill, room rent, waiting periodsOpen →Term life insurancePolicy schedule · cover, the 3-year rule, cover estimateOpen →Loan protectionCertificate of insurance · cover beside the home loan, a rate rise, closing earlyOpen →Critical illnessPolicy schedule + CIS · the illnesses, a diagnosis, a declared conditionOpen →

Savings & investments

Fixed depositDeposit advice + interest certificate · maturity, TDS, insuranceOpen →Savings planBenefit illustration · real return, guarantees, cover, taxOpen →Mutual fundsCAS since inception + factsheets · real return, tax if sold, overlapOpen →BondBond platform offer page · real yield, after tax, call, ratingOpen →

15product families mapped

Codedoes every calculation

Citedfindings, to the page

0products sold to you

Planned first:Personal loanHome loanOverdraftCredit cardULIPEndowmentFixed depositMutual fund / bond

How it works

Nine steps between your PDF and an answer you can check.

Secure upload

File validated, sensitivity classified

Product detection

Loan, insurance, fund, FD, bond

Document check

Brochure, KFS, policy or agreement

Structured extraction

Product-specific schema, per-field source

Rule engine

Costs, guarantees, dates, recalculated

06Later

Independent evidence

Official rules and disclosures

Quality checks

Contradictions, citations, uncertainty

Clarity report

Common layout, specialised visuals

09Later

Ask Myra + Guardian

Questions, milestones, updates

AI for understandingReads clauses and explains them in plain language.

Code for mathematicsEMI, APR, yield and fee drag use tested formulas.

Rules for contractsProduct-specific and regulatory checks, versioned.

Sources for verificationKey figures link back to a page or an official source.

Every report opens with What Myra found for you: money you may be owed, could save, or have at risk, in rupees, each from a finding you can check. Before Ask Myra, a Watch-outs tab gathers the places a product could cost you more, pay you less or leave you short.

Financial products

Built to read 15 product families. Switched on in phases.

Live = check yours now · Next = coming next · Later = expansion

Product family	Products	What Myra explains	Phase
Personal borrowingCheck yours or see a sample →	Personal loans, salary loans	EMI, APR, total cost, charges you may be owed, prepayment, closing	Live
Home & secured borrowingCheck yours or see a sample →	Home loans, including under construction, balance transfer and top-up. Next: LAP, car and two-wheeler loans	Rate resets, benchmark and spread, prepaying, switching lenders, closing and property papers	LiveNext
Credit facilitiesCheck yours or see a sample →	Personal overdraft against FD, loan against shares/funds or a policy, flexi overdraft	Interest on what's used, drawing power, margin calls, closing	Live
Credit cardsCheck yours or see a sample →	Personal cards, balance transfer, card EMI, comparing two cards	Revolving interest, minimum due, late fees, charges	Live
Other loansGold loans → · Education loans →	Gold loans, education loans	Gold value and RBI's limit, auction and release; moratorium, interest subsidy, tax and TCS	Live
Life insurance & savingsCheck yours or see a sample →	ULIP, endowment, money-back, guaranteed-income plans	Real return, guarantees, charges, surrender, maturity, tax	Live
Protection insuranceHealth insurance → · Term life insurance → · Critical illness & accident → · Loan protection →	Health (with top-ups), term life, critical illness, personal accident, loan protection	Cover, exclusions, waiting periods, claims, two policies together, the policy against its quote	Live
DepositsCheck yours or see a sample →	Bank FD, NBFC and HFC deposits, RD	Maturity, TDS, deposit insurance, breaking early	Live
Mutual fundsCheck yours or see a sample →	Equity, debt, hybrid, index, ELSS, NFO	Real return, tax if sold, the cost of regular plans, overlap, scheme rules	Live
Bonds & debtCheck yours or see a sample →	NCDs, corporate & PSU bonds, G-Secs, T-bills, SGBs, tax-free, 54EC and RBI savings bonds	Real yield, tax, credit risk, rate sensitivity, liquidity	Live
Complex debt	AT1, perpetual bonds, Tier-2 debt, MLD	Coupon cancellation, write-down, barriers, loss absorption	Next
Structured wealth	Structured notes, capital-protection structures	Conditional payoffs, issuer risk, downside scenarios	Next
Managed investments	PMS, AIF	Management fees, carry, concentration, commitments, exits	Next
Retirement & savings	NPS, PPF, EPF, SCSS, NSC, annuities	Eligibility, withdrawals, payouts, inflation and tax rules	Next
NRI / offshore products	Offshore notes, foreign-currency bonds, NRI investment proposals	Currency, jurisdiction, issuer, liquidity, tax considerations	Later

Live now: ten product families

Personal, home, gold and education loans, credit cards and credit lines, deposits, mutual funds and bonds, life insurance savings plans, and protection insurance: health, term, critical illness, accident and loan protection.

Not supported yet? Still recognised.

Documents outside the live families are identified and clearly labelled as not yet available for full analysis, never half-analysed.

Before Myra / With Myra

From fine print to a clear picture.

Without MoneyLens

With MoneyLens

A 40-page agreement

A short explanation with evidence

“Attractive 8% returns”

What is guaranteed, conditional or projected

Confusing loan charges

Itemised cost and repayment visualisation

Unclear early-exit terms

Lock-in, foreclosure and surrender consequences

Difficult technical terminology

Explanations in plain language

Generic customer-care answers

Product-specific Ask Myra, when you need it

Report preview

Each product reads differently.

OverviewIllustrative · invented provider

₹48 L floating-rate home loan

EMI

₹42,418

Rate

8.75%

Total cost

₹1.02 Cr

Y1Y6Y11Y16Y20

Principal repaid / yrInterest / yr

Top findings

Rate rises extend tenure, not EMI

₹1.12 L insurance financed into the loan

No prepayment or foreclosure charge

Don't just read the numbers. Explore what they mean.

Free, no upload or sign-in. This EMI studio works now; the full gallery opens next. Later, Myra will prefill studios from your checked documents.

Personal loan · EMI studio

Loan amount₹10,00,000

Interest rate12.00%

Tenure60 months

₹22,244

per month

Total interest you’d pay

₹3,34,667

Principal ₹10.0 LInterest ₹3.3 LTotal ₹13.3 L

Assumptions. Fixed rate, reducing balance, equal monthly EMIs, no fees, insurance or prepayments. Your lender’s schedule may differ slightly by date and rounding.

Ask Myra

Ask about money, get the current rule.

Myra checks today's RBI, tax and GST rules on the web, preferring official sources, and works out the numbers with her calculators, never by guesswork. On a document you've checked, she answers from your own terms and cites the page.

Explains, never recommends

✦ Ask Myra

Official sources first · numbers from Myra's calculators

Current context

General · Indian personal finance

Numbers from Myra's calculators · current rules checked on the web

Suggested

Roadmap

Three releases, quality before breadth.

One complete loan journey first, then the same quality for ULIPs, FDs and other products.

— RELEASE 1Building now

The MoneyLens experience

Universal upload, product classifier, secure document handling, core extraction schemas, Overview/Terms/Costs report, citations, Ask Myra, product memory and the first loan, ULIP, FD and fund/bond scenarios.

Upload & classifierOverview / Terms / CostsCitationsAsk MyraProduct memory

— RELEASE 2Next

Money Studios and deeper research

Public calculator gallery, product-prefilled scenarios, document comparisons, official-source verification, more extractors, Hindi/Hinglish, provider-claim-versus-contract analysis.

Calculator galleryPrefilled scenariosDoc comparisonOfficial sourcesHindi / Hinglish

— RELEASE 3Later

MoneyLens Guardian

Monitoring, change detection, reminders, product lifecycle views, resolution assistance, new document versions and deeper connections with explicit consent.

MonitoringChange detectionRemindersLifecycle viewsResolution help

Trust, privacy and evidence

Your financial documents are nobody else’s business. Not ours either.

Separate from Personal Finance
Nothing imported without consent

MoneyLens is designed on the assumption that your documents are sensitive. No ads to target, no product to sell you, and nothing silently pulled from your bank accounts.

0Ads0Product commissionsOffPersonal Finance link

Private documents stay private

Your uploads and conversations are tied to your account. Public calculators never touch them.

Findings link to their source

Page and clause references on every important figure.

Uncertainty is disclosed

Missing documents and unclear terms are listed, never papered over.

Facts, calculations and assumptions are labelled

You always know which is which.

You control retention

Delete a product, a document or everything, any time.

No recommendations

Myra explains. It does not tell you to buy, borrow or surrender.

Plans

Start with one report. Keep Myra watching.

Pricing will be announced before any paid plan starts. Money Studios stay free.

Clarity report

Per product

One complete analysis with citations and prefilled studios. Opens with Release 1.

Product detection & document check
What Myra found for you, in rupees
Overview, terms, costs and Watch-outs
Prefilled Money Studios
Ask Myra about this product

Guardian

Release 3

Subscription

Everything in a report, plus ongoing tracking and support after the first check.

Document vault with version comparison
Milestones, reminders and verified alerts
Ask Myra across your saved products
Resolution help: drafts, evidence, next steps

Start where you are

Your next financial decision deserves a clearer picture.

Check a personal loan, home loan, credit card or credit line now, or try the free EMI studio.