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THE FINANCIAL TERMINAL FOR INDIA

Institutional intelligence, finally open to everyone.

The micro-and-macro terminal India never had — every listed company, every asset class, your loans and taxes too. One workspace, built to make you decide with confidence.

50+
Company Terminals
30+
Calculators & Tools
6
Asset Classes
company.terminal LIVE
HDFC Bank Ltd
HDFCBANK · Financial Services
Full coverage
Net Interest Margin3.44%
Gross NPA1.24%
Intrinsic value₹1,025
AR hidden-risk flagDerivatives ₹11.56L Cr
FinMinutes Score
7.8/10
Read from annual report · concall · filings
Platform Overview

Six desks. One terminal.

Every product feeds the same intelligence engine — company analysis, IPOs, wealth tools, commodities, your personal balance sheet, and the AI that reads it all.

01
📊
Company Terminals

Institutional-grade terminals built from annual reports, concalls and filings — with a transparent FinMinutes Score.

  • Concall highlights & guidance
  • AR hidden-risk footnotes
  • Promise-vs-delivery tracking
  • Intrinsic value & valuation
  • 50 companies, expanding
Live Now
02
🚀
IPO Intelligence

DRHP read by AI: what the company claims makes it special — and whether the filing backs it up. SME forensics included.

  • DRHP claim extraction
  • SME red-flag forensics
  • Transparent IPO score
  • Promise tracked post-listing
  • GMP reported soberly
Live Now
03
🧮
Wealth Desk

30+ planning tools — SIP, SWP, NPS, retirement, XIRR and more — fast, accurate, and free to use.

  • Advanced SIP & SWP
  • NPS / retirement planners
  • XIRR & goal tools
  • Post-office & tax schemes
  • No login required
Live Now
04
🪙
Gold & Commodity

The commodity desk: ETF intelligence, true-price checks, jewellery audit, resale value and SGB analysis in one suite.

  • Gold ETF intelligence
  • True-price & iNAV checks
  • Jewellery & resale audit
  • SGB analysis
  • Commodity masterclass
Live Now
05
🏦
Personal Finance

Upload a loan or credit-card statement — AI explains every charge, computes the true APR, and flags anything off.

  • Loan statement analyzer
  • True-APR & hidden-fee check
  • Bank / NBFC trust ratings
  • Insurance analyzer
  • Tax & capital-gains toolkit
Q3 2026 · Building
06
🧠
Artha — the AI analyst

The FinMinutes AI that reads every filing and explains it in plain language — sober, sourced, never a hype machine.

  • Reads filings & concalls
  • Plain-language explanations
  • Every claim cites its source
  • Threaded through every tool
  • Public launch Q4 2026
Training Now · 2026
The Flagship

Inside a company terminal.

We read what most investors never do — the footnotes, the concall, the prior-year promises — and turn it into one honest view per company.

🎙️

Concall, decoded

Management's guidance, tone shifts, and what they dodged — pulled from the earnings call.

⚠️

Hidden risks

The contingent liabilities and footnote risks buried deep in the annual report, surfaced.

🎯

Promise vs reality

What they said last year vs what they delivered. We don't forget, and we keep score.

📐

Real intrinsic value

Sector-correct valuation — banks via excess-return, not a naive DCF — with a margin-of-safety gauge.

🔢

Transparent score

One FinMinutes Score, with the methodology shown. No black box, no paid placement.

🔗

Sourced to the filing

Every number traces back to the exact line it came from — built for trust, not vibes.

Open a Company Terminal →
Latest Intelligence

Fresh from the desks.

Research, IPO notes and market briefings — the newest from each desk.

THE ROADMAP

Where FinMinutes is going.

One platform for every decision an Indian investor makes — built in the open. These dates are our baseline. We intend to beat them.

LIVE NOW

Terminals & Tools

Live

The core is already running and free to use. Institutional-grade company terminals, the IPO intelligence desk, 30+ wealth calculators and the gold & commodity suite are live today.

  • Company terminals (50+, expanding)
  • IPO Intelligence & scoring
  • 30+ wealth calculators
  • Gold & commodity desk
  • Research desks
Q3 2026

Automation & Personal Finance

Building

We replace the manual research workflow with an automated filing-to-intelligence pipeline, and turn the terminal on your own money — starting with loans and credit cards.

  • Automated filing-to-intelligence pipeline
  • Loan & credit-card statement analyzer
  • True-APR & hidden-fee detection
Q4 2026

Artha & Fixed Income

Next

Artha — our AI analyst — goes public. It reads every annual report and concall and explains them in plain language, always citing the exact source. A dedicated bond & fixed-income desk lands alongside it.

  • Artha AI — public launch
  • Reads filings & concalls, cites every claim
  • Bond & fixed-income desk
Q4 2026 → Q1 2027

Creator Hub

Next

A publishing desk for finance creators, registered RAs and knowledgeable retail. Everything you need to create in one place — structured company & IPO data, Artha-drafted scripts, charts and thumbnails — plus compliance scaffolding and built-in distribution. You bring the judgement; we remove the burden.

  • Structured data + Artha-drafted scripts
  • Charts, thumbnails & ready assets
  • Education-lane vs advice-lane compliance
  • Verified-RA badges
  • Built-in audience & distribution
Q1 2027

Funds & Tax

Planned

Mutual-fund intelligence that goes beyond star ratings, and a tax toolkit that goes beyond capital gains — covering income tax, direct & indirect tax, and founder/startup taxes.

  • Mutual Fund Intelligence
  • Capital-gains toolkit
  • Income, direct & indirect tax
  • Startup & founder taxes
Q2 2027

Protection & Ratings

Planned

An insurance analyzer that reads the policy wording for you, and independent, published-methodology ratings for banks, NBFCs and AMCs — objective, and never paid placement.

  • Insurance policy analyzer
  • Bank / NBFC / AMC ratings
  • Independent, published methodology
Q2 2027

Technical & Quant Desk

Planned

Technicals made understandable for everyone. Personalized, backtested guidance that shows which indicators actually worked on your stock, timeframe and risk appetite — with honest win-rates and drawdowns. No-code backtests and factor screening. Signals and education, never auto-execution.

  • Personalized indicator guidance
  • No-code backtests (honest win-rate & drawdown)
  • Factor screening — momentum, low-vol, value
  • Education-first, RA-compliant
H2 2027

Institutional & Open Finance

Planned

The intelligence engine opens up: a tiered B2B data API, an institutional workspace, and Account Aggregator integration so your full financial picture flows in securely.

  • B2B Data API (3 tiers)
  • Institutional tier
  • Account Aggregator integration
ACCESS

Retail-friendly. Institution-ready.

Everyone gets the same intelligence engine. Tiers only change the depth, the data access, and the export power.

Retail
Free
For individual investors.
  • Company terminals & IPO analysis
  • All calculators & tools
  • Research, education & Artha basics
  • Loan & personal-finance tools
Start free
Most depth
Institutional
Custom
For desks, advisors & enterprises.
  • Everything in Retail
  • Full data depth, history & exports
  • B2B data API access
  • Priority Artha & dedicated support
Talk to us

Pricing is being finalised. Early users lock in founder pricing for life.

Why FinMinutes

A different category entirely.

Screeners give you numbers. News sites give you noise. We read the filings and tell you what they mean — across your whole financial life.

CapabilityFinMinutesScreenersIPO sitesNews
AI-read filings & concalls
Hidden-risk footnote flags
Promise-vs-delivery tracking
IPO DRHP forensics + scorePartial
Personal finance (loans, tax)
Independent, paid-placement-freePartial
🧠
Training now · Public 2026

Meet Artha.

The FinMinutes AI analyst — trained from day one on every filing, concall and outcome. It reads what you don't have time to, and explains it in plain language, with every claim traced to its source.

See the roadmap →