— Your money, in one view
Banks, mutual funds and stocks — connected through India's Account Aggregator framework. No screenshots. No spreadsheets.
RBI-licensed AA · 256-bit encrypted · Read-only
One secure consent · every account you already have
— How pluoto works
Built on the rails of India's Account Aggregator.
Give consent, once
Pick your banks, funds and brokers. Approve through India’s RBI-regulated Account Aggregator network — powered by CAMS. We only ever get read access.
Everything lines up
Your scattered accounts flow into one calm view. Net worth, allocation and live balances — refreshed automatically, no screenshots, no manual entry.
See the story, then act
Plain-language insights show how your money is really doing — and soon, you’ll buy and switch mutual funds without ever leaving Pluoto.
— Insights, not noise
It tells you what your money did.
Pluoto reads the numbers behind every account and translates them into one honest sentence you can act on.
Plain language
No jargon. “Gains outweighed losses today. HDFC Flexi Cap pulled hardest.”
Real benchmarks
See your 14.2% growth measured against a bank FD — roughly 2.2× the return.
Today's tug of war
A single glance shows what won and what dragged across all your holdings.
0+
Account Aggregator handlers
0
Asset classes, one view
0-bit
Bank-grade encryption
Read-only
Access Pluoto ever takes
Then, invest without leaving.
Once you can see clearly, acting should be effortless. Soon you'll buy, switch and redeem mutual funds right inside Pluoto — direct plans, zero commission, settled through the same trusted rails.
Join the early listHDFC Flexi Cap
Flexi cap · Direct
+18.4%
3y CAGR
Parag Parikh Flexi
Flexi cap · Direct
+16.1%
3y CAGR
Nippon Small Cap
Small cap · Direct
+24.7%
3y CAGR
Mirae Large Cap
Large cap · Direct
+12.9%
3y CAGR
— Quietly, seriously secure
Trust isn't a feature. It's the foundation.
RBI-regulated rails
Data moves only through licensed Account Aggregators on the framework set by the Reserve Bank of India.
Read-only, always
Pluoto can see your balances to show insights — it can never move, withdraw or transact a single rupee without you.
256-bit encryption
Everything is encrypted in transit and at rest with bank-grade cryptography.
You hold the consent
Granular, time-bound consent you can review or revoke instantly. Your data, your call.