Folo

Knowledge repository

Valuable resources to get your finances on point.

SEBI Accredited Investor India: What It Is, Who Qualifies, and How to Get Certified in 24 Hours | FOLO

SEBI Accredited Investor India: What It Is, Who Qualifies, and How to Get Certified in 24 Hours | FOLO

Fewer than 5,000 Indians hold SEBI Accredited Investor status. Learn what it is, who qualifies, what it unlocks — and how FOLO gets you certified in under 24 hours with zero paperwork.

Am I Rich in India? The Honest Truth About Wealth Percentiles

Am I Rich in India? The Honest Truth About Wealth Percentiles

The question everyone is Googling, finally answered with real numbers, not opinions.

What is NetWorth? A Complete Guide for Indians

What is NetWorth? A Complete Guide for Indians

The one number that tells you more about your financial health than your salary, your job title, or your bank balance.

Average Net Worth in India by Age (2026): 25 to 55

Average Net Worth in India by Age (2026): 25 to 55

Average net worth in India by age — real 2026 benchmarks at 25, 30, 35, 40, 45 and 50, by city and profession. See how your net worth compares. Free tool.

How to Calculate Your NetWorth in India (Step-by-Step)

How to Calculate Your NetWorth in India (Step-by-Step)

A step-by-step guide to calculating your real NetWorth in India — including assets most people forget, liabilities most people ignore, and the fastest way to get your number.

Net Worth Certificate: The One Document India's Financial System Keeps Asking For

Net Worth Certificate: The One Document India's Financial System Keeps Asking For

Who needs one, where it's required, home loans, visas, SEBI accreditation, investments, and how to get one instantly online. Folo issues yours in 2 hours for ₹999, RBI AA verified, zero paperwork.

The Forgotten Wealth in Our Wallets

The Forgotten Wealth in Our Wallets

Money in 10 places, peace in none? FOLO gives you one clear view of your NetWorth—what you own, where it is, and what it’s doing.

Scattered, Not Broke: The Quiet Anxiety of Indian Finances

Scattered, Not Broke: The Quiet Anxiety of Indian Finances

You’re not bad with money—you just haven’t seen it clearly. FOLO lifts the fog, showing your full financial picture, in one clean view.

The Clutter Tax: Why Financial Disorganisation Costs More Than You Think

The Clutter Tax: Why Financial Disorganisation Costs More Than You Think

Forgotten fees. Duplicate insurances. Idle money. FOLO clears the clutter and shows you what’s silently draining your wealth.

Frequently asked Questions

what is NetWorth?

NetWorth is the difference between what you own (assets) and what you owe (liabilities). It’s a key measure of your financial health and helps you plan for your future.

why is knowing my NetWorth important?

Knowing your NetWorth empowers you to take control of your finances, make informed decisions, and gain peace of mind about your financial future.

how is my NetWorth calculated on FOLO?

FOLO calculates your NetWorth by aggregating data on assets and liabilities. Using the formula Net Worth = Total Assets - Total Liabilities, we calculate NetWorth on best effort basis with available data.

how does FOLO fetch financial data?

FOLO securely connects to your bank and investment accounts via Account Aggregation APIs and direct integrations with Data Custodians as a Financial Information User (FIU) on explicit user consent. This encrypted process fetches real-time financial data, ensuring accuracy and reliability.

is my data safe with FOLO?

Absolutely. FOLO employs end-to-end encryption, secure APIs, and multi-factor authentication, adhering to industry-best practices to ensure your financial data remains private and secure. As a SEBI-regulated entity, we adhere to stringent regulatory standards and best practices.

what types of data can I organise in FOLO?

FOLO supports:

Assets: Investments, stocks, mutual funds, Bank Balance, retirement funds (EPFO, NPS), and properties*

Liabilities: Loans, credit cards, and debts.

Insurance: Life, health, motor, and non-life policies. (Coming soon on FOLO)

*in Mumbai currently

do I have to manually input data into FOLO?

No, FOLO automatically fetches data from linked accounts with your consent, eliminating manual intervention. This saves you time and reduces stress. For unsupported accounts or assets, it is work in progress...

is it safe to share my financial data through FOLO?

Definitely! FOLO uses encrypted sharing methods to ensure your data remains secure and accessible only to the people you trust.

can I share my NetWorth with others?

Absolutely! FOLO allows you to share access with trusted individuals, ensuring they can view your NetWorth and collaborate on financial planning. This feature fosters security and transparency for family financial matters, especially in emergencies.

how do I share my NetWorth on FOLO?

You can use FOLO's sharing feature to grant access to select individuals. You decide what to share and can revoke access anytime.

how many people can I share my NetWorth data with?

You can share your data with up to 4 trusted individuals, ensuring they have access to the information they need.

can shared access be limited to specific information?

Yes, FOLO lets you customise what part of your NetWorth (Asset, Liabilities, Insurance) you share, ensuring privacy for sensitive details.

how often does FOLO sync my data?

FOLO syncs your data in real-time wherever possible. For some accounts, updates may depend on the financial institution’s policies.

will my data be shared with anyone else?

FOLO works on strict RBI protocols. Your data is in your control and is never shared without your explicit consent. You can always revoke your consent from Account Aggregator, once the consent expires or is revoked, your data will be completely erased.

how does FOLO work?

FOLO securely connects to your bank and investment accounts via Account Aggregation APIs and direct integrations as a Financial Information User (FIU). This encrypted process fetches real-time financial data, ensuring accuracy and reliability.

does FOLO use an Account Aggregator for data access?

Yes, FOLO also uses Account Aggregators to securely access and update your financial data like Bank/Investments while ensuring compliance with RBI regulations.

what is an Account Aggregator (AA)?

An Account Aggregator (AA) is an RBI-authorized platform that securely fetches your financial data from various institutions (FIPs) and shares it with authorized entities (FIUs) only with your explicit consent.

why can’t I find my account on FOLO?

This could be because the bank is not linked to your mobile number. Other known challenges are with joint accounts not showing up or the bank is not yet live on the Account Aggregator.

how can I remove my account from FOLO?

You can revoke your consent from account aggregator anytime. Once revoked your data will stop updating.

will I be charged for using FOLO?

No, FOLO is free for all its users. Our goal is to make financial tools that help you appreciate your NetWorth.

which account types are supported on FOLO?

FOLO supports retirals, investments, insurances, deposits, savings and current accounts. Joint accounts are currently not supported.

what happens when my consent expires?

Once your consent expires, FOLO can no longer refresh your data, which may impact real-time updates of your NetWorth. You can easily renew your consent in the app to continue syncing your accounts.

can I revoke my consent for data access ?

Absolutely! You can revoke your consent anytime directly through the app or the Account Aggregator platform, stopping FOLO from accessing your financial data specific to AA.

does FOLO help in the transfer of my NetWorth to my family during an unfortunate event?

LYNC, the offline arm of FOLO, helps individuals ensure a seamless and frictionless transfer of their NetWorth to their loved ones. It provides personalized, hands-on assistance during the asset transmission process, guiding families through asset discovery, nomination and documentation process.

Finuture Technologies is the name of the investment adviser as per SEBI: INA000019521, with BSE Enlistment No: 2207 and CIN: U80903MH2022PTC392430. Type of registration is Non-Individual and the Validity of SEBI registration is from 11-09-2024 to perpetual.

Principal officer details - Munmun Desai, Email ID - hello@finuture.in, Phone Number - +91 85500 22522.

Compliance officer details - Prashant Agrawal, Email ID - support@finuture.in, Phone Number - +91 85500 22001.

SEBI address - SEBI Bhavan, Plot No. C-4 A, G Block, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra, 400-051.

Investment in securities market are subject to market risks. Read all related documents carefully before investing.

Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
‍

Copyright © 2026 Finuture Technologies Private Limited. All Rights Reserved. Made with ♥️ in Bengaluru.