Straight answers about your money. Nothing to sell.
Kuber.AI is an agent ecosystem built for India. Specialist agents that understand your money, your language and your context — and do the work, not just chat. No pitch. No upsell. Just answers.
Not one chatbot. An army of agents.
Each agent in the Kuber.AI network is a specialist — trained on Indian financial context, plumbed into real action. They talk to each other, hand off context, and do the work. New agents join as we build them.
Scam Shield
Fraud & message verifier
Forward any "your KYC will be blocked" SMS, weird WhatsApp link, or PAN-update email. Get a clean read in seconds.
Tax Pilot
Tax filing
Tax Pilot reads your Form 16, AIS and 26AS from the income tax portal, compares both regimes and files your return, whichever ITR form applies. Live now.
Gold Keeper
Digital gold, voice-first
Say "Mummy ko ₹500 ka gold gift karo" — done. 24K, 99.9% purity, redeemable.
Sold by SafeGold. Distributed by Simplify Money Private Limited, which earns a distribution margin. Whether to buy gold is your decision.
Cover Coach
Insurance, decoded
Tell Kuber your age, family and income and see what term and health cover costs — then buy in one tap.
Plans are from our insurance partners. Distributed by Simplify Money Private Limited, which earns a distribution commission. Which cover you buy is your decision.
Loan Lens
Loan against MF, EMI maths
Don't want to sell your MFs? Pledge them instead. See the rate, the eligibility and the EMI before you apply.
Loans against mutual funds are provided by our RBI-regulated lending partners, not by Kuber.AI. Pledging your units is your decision — nothing here is a recommendation to pledge, hold or sell any security.
FD Finder
Fixed deposit rates
Compare FD rates across banks, including small finance banks, in one place.
Deposits are booked with the issuing bank, not with Kuber.AI. Distributed by Simplify Money Private Limited, which earns a distribution commission. Which deposit you book is your decision.
More platform than chatbot.
Voice, vernacular, and file intelligence — built for how Indians actually talk about money.
Bol ke kaam karwao.
Hold the mic. Say it like you mean it. Kuber.AI parses intent, picks the right agent, and acts.
"Bhai, mummy ko Diwali pe ₹2000 ka gold gift kar dena."
Aapki boli, aapka comfort.
No "kindly elaborate your query." Kuber.AI replies in the same language and tone you wrote in — warm, professional, and easy to follow.
Is mahine kitna bacha?
Upload anything.
Form 16, payslip, bank statement, broker P&L. Kuber.AI reads it, asks the right next question, and gives you a clear read.
Most money chatbots are a sales pitch with extra steps.
We're different by design. No pitch, no upsell, no human-in-the-loop bottleneck — a network of agents that does the work and tells you what it found.
| Feature | Other money chatbots | |
|---|---|---|
| Pushes the highest-margin product | Often | Never. The conversation earns nothing |
| Tells you what it earns | — | Stated on every product |
| Generic AI, US context | Sometimes | India-trained, India-only |
| Hinglish & 22 Indian languages | — | Native, not translated |
| Voice-first commands | Rare | Yes — tap mic and speak |
| Agents that actually do the work | — | Buy gold, file taxes, verify a scam |
| Reads your Form 16 / bank statements | — | Yes — drop & decode |
| Says plainly what it can't do | Rare | Yes — it tells you plainly |
Questions, answered plainly.
Are you a SEBI Registered Investment Adviser?
Yes. We are a SEBI Registered Investment Adviser, Registration No. INA000023728. Disclosure: Turvas Technology Solutions Private Limited (KuberAI Investment Advisory Unit). Until personalised advice launches, Kuber.AI can show you your own money, explain it, and help you learn — but it cannot recommend specific investments or build you a financial plan. Everything you see is information, not advice, and every decision is yours.
What does SEBI registration mean for you?
KuberAI (Turvas Technology Solutions Private Limited) is registered with SEBI as an investment adviser (registration no. INA000023728). For you, that means we follow a regulator’s code of conduct, we have a duty to act in your interest, we must tell you our fees upfront, and you have a formal route to raise a complaint. Personalised investment advice is coming soon. Mutual funds are distributed separately by Simplify Money Private Limited (AMFI ARN-363095).
Will Kuber.AI tell me which mutual fund or stock to buy?
No. Not yet. Personalised advice is coming soon. Ask Kuber.AI what a term is, how your spending changed, how far your goal is, or what a line on your statement means, and it will answer. Ask it what to buy, and it will tell you it cannot — and why. Pinpointed investment advice requires SEBI Investment Adviser registration.
Is Kuber.AI free?
Yes. Kuber.AI is free to use inside the Simplify Money app. Some features are available through a paid subscription, priced in the app and never charged without your choice.
Can it talk in Hindi, Tamil, Bengali, or Hinglish?
Yes. Kuber.AI supports 22 Indian languages and Hinglish, with a voice-first experience — tap the mic and speak in the language you prefer.
Kuber.AI lives inside Simplify Money.
Download Simplify Money — India's AI-powered personal finance app — and Kuber.AI is right there, ready to chat. The core is free and no card is needed to start. A paid subscription plan is available if you want it — see what's free and what isn't.