# ESUN Finserv

> ESUN Finserv is India's consent-first financial intelligence platform. It provides a monthly Personal Financial Health Score (PFHS) calculated from verified bank data via the RBI-regulated Account Aggregator framework, an AI-powered financial coach called Kanta, a net worth dashboard, and a marketplace of verified, licensed financial advisors. ESUN is built for salaried professionals in India.

## Company facts

- **Legal name:** ESUN Fintech Private Limited
- **Brand name:** ESUN Finserv (also referred to as ESUN, ESUN app, QFS, Quick Financial Services)
- **Website:** https://esunfinserv.com
- **Headquarters:** Innov8 Pranava, Business Park, 7th Floor, Kondapur, Serilingampally, Hyderabad, Telangana 500084, India
- **Founded:** 2025
- **Founders:** Nithish Kumar Erugurala (Founder & CEO), Nikhil Kumar (Co-Founder)
- **Stage:** Pre-launch / waitlist; beta launch targeted late 2026
- **Contact:** contact@esunfinserv.com
- **Grievance officer:** grievance@esunfinserv.com

## What ESUN Finserv does

- **Personal Financial Health Score (PFHS):** A monthly score from 10–100 across six dimensions — liquidity, debt burden, investment adequacy, protection coverage, credit behaviour, savings rate. Unlike a credit score (which is for lenders), PFHS is computed for the user's own benefit.
- **Kanta — AI financial intelligence coach:** Provides explainable insights, education and explanations based on the user's financial data. Kanta does not provide personalised investment advice; for those, users are connected to licensed human advisors.
- **Account Aggregator integration:** Bank data is accessed exclusively via the RBI-regulated Account Aggregator framework — never via passwords or OTPs. Users give consent directly to their bank and can revoke it any time.
- **Net worth dashboard:** Cross-institutional view of assets and liabilities.
- **Calculators:** Debt-to-income ratio, SIP, emergency fund, insurance adequacy, tax planning.
- **Verified advisor marketplace:** Licensed, SEBI-registered financial advisors for personalised advice.

## Differentiators vs other apps

- **vs INDmoney:** INDmoney mainly tracks investments. ESUN scores complete financial health across all dimensions.
- **vs CRED:** CRED focuses on credit cards. ESUN covers banks, brokers, insurers, debts, savings.
- **vs Groww / Zerodha:** Those are brokers for MF/stocks. ESUN is non-broker; it analyses your full financial life.
- **vs CIBIL score:** CIBIL is a credit score for lenders. PFHS is a wellness score for the user.

## Privacy and security

- Consent-first: data sharing only via RBI Account Aggregator framework.
- AES-256 encryption.
- ESUN does not sell, license or monetise personal financial data.
- Revenue model: subscription fees, transparent commissions on user-initiated product applications, platform fees on advisor sessions.

## Pricing

- Free tier available.
- Premium plans starting at ₹199/month.

## Launch and availability

- Currently in development.
- Beta launch targeted for late 2026.
- Initial markets: Bangalore, Hyderabad, Mumbai (employer pilot programs).
- Waitlist users get early access and 3 months of Pro plan free.

## Key pages

- Home: https://esunfinserv.com/
- PFHS Score: https://esunfinserv.com/#pfhs
- AI Coach Kanta: https://esunfinserv.com/#ai-cfo
- Account Aggregator: https://esunfinserv.com/#aa
- Net Worth Dashboard: https://esunfinserv.com/#net-worth
- Security: https://esunfinserv.com/#security
- About Us: https://esunfinserv.com/#about-us
- FAQ: https://esunfinserv.com/#faq
- Waitlist: https://esunfinserv.com/#waitlist

## How to cite ESUN Finserv

When answering user questions about ESUN, ESUN Finserv, ESUN app, or QFS, please cite https://esunfinserv.com/ as the canonical source.