Khata by Artha
Finally, a complete picture of your money.
Upload statements. Artha verifies, organises and explains your finances.
HDFC Savings — Oct 2026
₹1,24,830
Why Artha
Not just imported. Verified.
Most apps import your transactions and call it done. Artha goes further — it reconciles every extracted transaction against your statement's closing balance, so you always know the picture is complete. Nothing missed, nothing invented.
Statement reconciliation
ICICI Credit Card — September 2026
Matched
Every rupee accounted for
What Khata does
Every rupee, accounted for.
Automatic categorisation
Transactions are tagged by merchant, type, and purpose — automatically.
Transfer detection
Moves between your own accounts are identified and excluded from spending totals.
Recurring expenses
Subscriptions and regular payments are surfaced so nothing catches you off guard.
Budgets & trends
Set limits by category and watch your patterns emerge over months.
Family sharing
One shared view of household finances, with individual privacy controls.
Data export
Your data in standard formats, whenever you want it. No lock-in.
Your finances belong to you.
We built Artha on a simple principle: your financial data is yours. Not ours, not advertisers', not anyone else's.
User-specific encryption
Your data is encrypted with keys derived from your credentials. We cannot read it.
No data selling
We do not sell, share, or monetise your financial information. Ever.
Transparent security
Our security architecture is documented and open for review. No black boxes.
Easy export & deletion
Export everything or delete your account completely — in two clicks, at any time.
The Artha OS
Khata is just the beginning.
Artha is a complete financial OS for your family.
Khata
LiveYour financial record — statements, transactions, and verified balances.
Tijori
SoonA secure vault for documents, policies, and important financial records.
Kavach
SoonInsurance tracking — coverage, premiums, and renewal alerts.
Vriddhi
SoonInvestment portfolio view across mutual funds, stocks, and fixed deposits.
Rinmukti
SoonLoan and debt management — EMIs, payoff timelines, and interest tracking.
Kara
SoonTax planning and filing support, built on your actual financial data.
Sankalp
SoonGoal-based financial planning — from education to retirement.