What happens to your money when you're gone?
Store all your bank accounts, insurance policies, and investments in one private vault. If something happens to you, your family gets the details automatically.
Your family won't know which bank to go to.
Which bank has the FD? Where's the term insurance policy number? What about the mutual funds? Your family will have no idea — and no bank is going to help them figure it out.
Two families. Two very different outcomes.
Without ApnaBharosa
- Family has no idea which bank has your money
- Insurance papers buried in a drawer somewhere
- Passwords & PINs are lost forever
- Legal battles that drag on for years
- Savings sit unclaimed — nobody knows they exist
With ApnaBharosa
- Every account, policy & investment in one vault
- Family gets automatic access when needed
- 4 safety checks over 46 days — no false alarms
- 100% encrypted — even we can't see your data
- Peace of mind — just open the app once a month
One vault. One plan. Complete peace of mind.
List all your accounts in a private vault only you can access. If something happens to you, your family gets the details — no searching, no guessing, no confusion.
Add your accounts
Banks, FDs, LIC, mutual funds, property — list everything in one place. It's encrypted on your phone before it goes anywhere.
Choose who gets what
You decide who in your family gets which details — bank accounts, investments, property, insurance. Full control.
Live your life
No daily tasks. Just open the app once in a while — that's your check-in. As simple as opening WhatsApp.
Family gets everything
If 46 days pass with no check-in, your family gets a simple email with everything you saved — automatically.
The switch that protects what matters most.
No complicated setup. No sharing passwords. A smart system that checks on you 4 times over 46 days before sharing your vault with family.
All good
You're using the app normally. Your vault is encrypted, your family is registered, and the 46-day clock resets every time you open the app.
Stage 1 reminder on Day 30 of inactivity
ApnaBharosa
Vault Dashboard
Open the app at any time to reset the 46-day clock ✓
ApnaBharosa
Vault Dashboard
Open the app at any time to reset the 46-day clock ✓
Your data stays private. Even we can't see it.
Bank-level encryption — the same standard that protects your UPI and net banking. Your vault, your password, your control.
Locked on your phone
Your information is encrypted on your device before it's stored. Nobody — not even our team — can read it.
Only you hold the key
Your password never leaves your phone. Without it, your vault simply cannot be opened — not by us, not by anyone.
Safe even if we get hacked
Even if someone broke into our servers tomorrow, they'd find nothing but scrambled nonsense. Your data stays safe.
Simple, transparent pricing
Every plan includes full encryption and all safety features. Your family's security is never a paid upgrade.
Free
Proof of trust — protect your most important accounts for free.
- 1 bank + 1 insurance asset
- 1 nominee
- Fixed 15-day heartbeat
- Push + Email alerts
- Community support
Premium
Core security for your financial life — more assets, more nominees, smarter alerts.
- Up to 10 assets (any category)
- Up to 3 nominees
- Customizable heartbeat (30/60/90 days)
- Push + Email + WhatsApp alerts
- SMS alertsSoon
- Email support
Premium Plus
Concierge vault — encrypted documents, voice alerts, and complete peace of mind.
- Up to 25 assets (any category)
- Up to 10 nominees
- Customizable heartbeat (30/60/90 days)
- Push + Email + WhatsApp alerts
- Encrypted document vault
- Voice (IVR) guardian alertsSoon
- Legal export (password-protected PDF)Soon
- Priority email support
Questions you should absolutely ask.
This is a product built on trust. If anything isn't clear, it should be.
Still have a question? hello@ApnaBharosa.com
You've spent a lifetime building this. Make sure it reaches your family.
5 minutes to set up. A lifetime of peace of mind for the people who matter most.
Free to download. Private — even we can't read your data.