While most teenagers were figuring out college, Hardik was building the tool that CAs, NBFCs, and loan agents were desperately waiting for.
By Hardik | AarogyamFin | Finance & Technology
If you’ve ever sat across a Chartered Accountant’s desk or worked inside a lending firm, you know the drill. A client walks in, hands over a bunch of PDF bank statements — sometimes 6 months, sometimes 2 years — and somewhere in that pile of transactions lies the financial picture that determines whether a loan gets approved or rejected.
The problem? Parsing those statements is a nightmare. Every bank has its own format. Every PDF is structured differently. And doing it manually — line by line, statement by statement — can take hours. Sometimes days.
That’s exactly the problem AarogyamFin was built to solve.
Meet the founder: Hardik, 19, based out of Ghaziabad. Before building AarogyamFin, he spent time as an independent financial markets trader — someone who actually lived inside spreadsheets, data feeds, and market patterns. That background gave him a sharp eye for financial data and a visceral understanding of how painful it is when the data you need is locked away in a badly-structured PDF.
“I didn’t want to build another tool that looked good in a pitch deck but didn’t actually work in the real world. CAs and loan agents needed something that just worked — fast, accurate, and without the manual pain.”
So he built it. From scratch. Without a big team, without years of enterprise experience — just a deep understanding of the problem, a lot of iteration, and a stubborn refusal to ship something mediocre.
What AarogyamFin Actually Does
You upload any Indian bank statement PDF. The platform parses it, extracts every transaction, categorizes it, and delivers a clean, structured Excel output — ready to use for credit analysis, income verification, or audit purposes. No manual copy-paste. No reformatting. No wasted hours.
| 99.9% Parsing Accuracy | 30+ Banks Supported | ₹49 Per Parse | Live aarogyamfin.com |
From SBI to HDFC, from Kotak to Yes Bank — if your client banks with any major Indian institution, AarogyamFin can handle it. The output is structured, clean, and Excel-compatible — the format that accountants and analysts already work in every day.
This isn’t a proof of concept sitting in a GitHub repo. AarogyamFin is live, generating real revenue, and being used by professionals across India. The product is already in advanced discussions with NBFCs for API-level integrations — a sign that the market is taking notice.
Why This Matters Now
India’s lending ecosystem is at an inflection point. With digital credit growing rapidly and regulators pushing for faster, more accurate underwriting, the bottleneck is no longer capital — it’s data. Clean, reliable, machine-readable financial data.
AarogyamFin sits right at that bottleneck. For a CA processing 50 clients a month, saving even 2 hours per client translates to 100+ hours recovered. For an NBFC processing thousands of loan applications, automated statement analysis isn’t a luxury — it’s infrastructure.
“We’re not disrupting anything. We’re fixing something that was always broken and everyone just accepted as a cost of doing business.”
At ₹49 per parse, the pricing is built for scale — accessible enough for individual CAs, powerful enough for enterprise API integrations. The model works at both ends of the market, which is a rare thing in B2B SaaS.
AarogyamFin is one of those products that, once you use it, you can’t imagine going back. It doesn’t try to replace the CA or the loan officer — it just gives them their time back, and makes sure the data they’re working with is actually trustworthy.
For a 19-year-old’s first serious venture, that’s not a bad problem to be solving.
If you’re a CA, NBFC, or loan agent tired of wrestling with bank statement PDFs — AarogyamFin was built for you. Try it yourself and see what accurate, automated parsing actually feels like.
Visit AarogyamFin →
