Four apps for improving your financial life

Getting your finances in order isn’t a one-time task, it’s an ongoing process. Whether it’s budgeting, monitoring your credit or securing your family’s future, your financial life needs regular attention. With a clear financial plan, you can focus on the things that matter most to you, whether it's spending time with loved ones or pursuing your passions. Financial management can also help you plan for unexpected events such as job loss, medical emergencies or other unforeseen expenses. In addition, having a handle on your finances can give you the freedom to live the life you want without worrying about money, investments or your family’s future. As a result, you can make decisions based on your priorities rather than your financial constraints, take charge of your future and build a better life for yourself and your loved ones.

Here are 4 apps and products that can help secure your finances, keeping both short- and long-term goals in mind:
Yellow: Create and update Will
Yellow is a digital Will-making solution that addresses the challenges of financial planning and estate preservation for families in India. Despite the importance of creating a Will, many families do not take the necessary legal steps due to a lack of information and resources. In the absence of a Will, the successors are compelled to go through lengthy and costly legal formalities starting with obtaining a succession certificate from the court, which can cost anywhere between INR 60-70 thousand and 6-8 months in the court.

Yellow provides a simple, secure, cost-effective solution for all Indians to protect and preserve their legacies. By combining technology and legal expertise, the app makes Will-making accessible to everyone, not just the wealthy. The app is designed by legal and estate planning experts with 50+ years of experience, protecting over ₹42,000 crores of assets.

While conversations and ready information about financial planning is usually restricted within the ambit of savings and growing one's investments, having a watertight Will in place is a critical necessity and needs more open conversations.

If you are considering creating a Will or wish to update your existing one as often as you wish, then an online Will-making solution like Yellow can provide you with the help you need to secure your family's financial future.

Castler: A digital escrow service provider, Castler, is a financial tool that allows a third party to hold and manage assets or money on behalf of two primary parties involved in a business transaction. Escrow is a tripartite agreement between the escrow provider, seller and buyer. The money held in the escrow account is only released once the terms and conditions agreed upon by both parties are met. The escrow system is designed to ensure that every transaction follows a step-by-step process under the supervision of seasoned professionals, who monitor and track every stage of the agreed terms of the contract from start to end. This enables both parties to know the progress of their mutual commitments, stages of completion, and the movement of funds at every stage.

Let’s say you wish to renovate your home or sell your car to someone you met online. You can secure your money or assets via a digital escrow account which will ensure that every transaction is secure, devoid of fraud, and monitored by an unbiased third party before being released.


Siply: Siply is a technology-enabled micro-savings platform that helps the underserved masses, such as contract workers, blue-collar workers, gig economy workers, and small business owners, inculcate savings behaviour. The platform offers sachet financial services, allowing investments as low as INR 1.00 to help build a more financially secure and inclusive country. The platform is interactive and user-friendly, designed to encourage savings and investment behaviour among individuals with limited income. Recently, Siply launched a scheme that makes gold accessible to all, with the option to buy gold coins weighing either 0.5gm or 1 gm, making it a viable platform for individuals to purchase high-quality gold at a low price. Instalments start at INR 450 per month for a 1gm gold coin and INR 250 for a 0.5 gold coin and can be paid over 10 months, with the option to break up the amount into smaller parts for convenience.

If you’re looking for micro-savings options and innovative investment products like Micro Credit, Gold Savings Scheme, or Gold Jewellery Scheme, you can consider Siply and take small yet meaningful steps to establish your financial footing.

Paytail is a startup revolutionising offline commerce by providing instant paperless no-cost EMIs to consumers and transforming how merchants sell through scalable technology solutions. This Made by Bharat, Made for Bharat startup is disrupting the $1 trillion offline commerce market by making it more affordable, faster and convenient for customers. By enabling merchants to offer 0% EMI led directly by OEMs & other sellers, Paytail enables customers to meet their aspirational needs instead of deferring them. Moreover, apart from being completely paperless, Paytail offers instant credit limits with flexible no-cost EMI repayment tenures of up to 18 months.

While financial planning goes a long way, we all experience unplanned expenses now and then. An instant EMI service like Paytail can give financial freedom in those situations to help ease the financial burden and keep your savings intact so that you can work around your monthly budget to make way for an EMI that fits your budget.