Ritalio organises your investments, insurance policies, bank accounts, and liabilities in one place — and ensures your loved ones are never left searching when it matters most.
No spam. No balances stored. 100% private.
The primary earner quietly holds mutual funds, stocks, FDs, gold bonds,
insurance policies, loans and more — but rarely shares the full picture
with their spouse or children. Sometimes it's a matter of timing,
sometimes privacy.
When something unexpected happens, loved ones are left navigating a maze
of banks, brokers, AMCs and insurers — and often give up, leaving
hard-earned wealth permanently unclaimed.
Fetched securely via Account Aggregator or added manually — Ritalio covers the full breadth of your financial life.
Connect via Account Aggregator to automatically fetch investments, insurance, bank accounts and loans — or add assets manually for anything not available digitally.
Add trusted family members and define exactly who can see which assets — and whether they see it now or only when you're no longer reachable. You stay in full control.
Tell us how often you'll use the app. Your regular activity is your liveliness signal. No action needed — Ritalio works silently in the background.
If you miss a check-in, Ritalio tries to reach you — first by push, SMS and email, then by call. If needed, it checks with a trusted contact before taking any further step.
Once confirmed unreachable, your family receives exactly the information you've permitted — along with step-by-step guidance to claim each asset smoothly.
Ritalio follows a careful, multi-step process — so your family is only notified when truly necessary, and never prematurely.
Push notification, SMS and email sent to you immediately.
A voice call is attempted to confirm you're okay.
A trusted family member is asked about your wellbeing — discreetly, without revealing details.
Family is notified with the asset information you've permitted them to see.
Step-by-step guidance for each asset — how to transfer, claim, and close accounts without getting lost.
We built Ritalio with privacy as the foundation, not an afterthought.
We store references to your investments, never actual statements, numbers, or account details.
Nothing happens without your explicit approval — from fetching data to notifying family.
All your data is encrypted at rest and in transit. Nobody — not even us — can access it without your permission.
Decide exactly which family member can see which investment. Change or revoke access anytime.
Ritalio is awareness-only. We can never move money or initiate any financial action on your behalf.
Data is fetched via RBI-regulated Account Aggregator framework — the most secure consent-based mechanism available.
We're opening access to a limited group of early users. Leave your details and we'll reach out when your spot is ready.