Question 1

What exactly is ESUN? Is it a bank or an investment app?

Accepted Answer

Neither bank nor investment app. ESUN is a financial intelligence platform — an operating system for your financial life. We don't hold your money, issue loans, or manage investments directly. We aggregate your existing financial data from banks, brokers, and insurers (with your consent), analyse it intelligently, and help you understand and improve your financial health.

Question 2

How does ESUN access my bank data? Is it safe?

Accepted Answer

ESUN accesses your bank data exclusively through the RBI-regulated Account Aggregator (AA) framework. This means we never ask for your banking password or OTP. You give consent directly to your bank to share data with ESUN — and you can revoke that consent at any time from within the app. All data is encrypted with AES-256 standards.

Question 3

What is the PFHS and how is it calculated?

Accepted Answer

The Personal Financial Health Score (PFHS) is a monthly score ranging from 10–100 that measures your overall financial wellbeing across six dimensions: liquidity, debt burden, investment adequacy, protection coverage, credit behaviour, and savings rate. Unlike a credit score (which is for lenders), PFHS is computed for your benefit.

Question 4

Is Kanta an AI financial advisor? Can I trust her recommendations?

Accepted Answer

Kanta is an AI financial intelligence coach — she provides education, explanations, and explainable insights based on your data. She does not provide personalised investment advice. For complex investment decisions, Kanta will connect you with a verified, licensed human advisor on our marketplace.

Question 5

Does ESUN sell my data? How do you make money?

Accepted Answer

We do not sell, license, or monetise your personal financial data. ESUN earns through subscription fees, transparent commissions when users choose to apply for a financial product through our marketplace, and a platform fee on advisor sessions.

Question 6

When is ESUN launching?

Accepted Answer

ESUN is currently in development. We are targeting a beta launch in late 2026, beginning with employer pilot programs in Bangalore, Hyderabad, and Mumbai. Users who join the waitlist will receive early access and 3 months of Pro plan free.

Question 7

What's the difference between ESUN and INDmoney, CRED, or Groww?

Accepted Answer

INDmoney primarily tracks investments. CRED focuses on credit card management. Groww is a broker for MF and stocks. None of them give you a complete, cross-institutional view of your finances with intelligent analysis and a holistic health score. ESUN aggregates everything, scores your entire financial health, explains it clearly, and connects you to help when needed.

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