By profession, I’m a Chartered Accountant. For years, I built a career in the financial world. But, like many women in Indian households, there came a time when family responsibilities took precedence. With more time on hand, I turned my attention to managing our family's finances. What started as a personal project soon turned into a transformative journey. I began inventorying every physical and financial asset we owned—quietly and methodically assessing their current value and performance over time.
It was an emotional rollercoaster: some assets had quietly appreciated far more than I had realised, while others had underperformed. This exercise opened my eyes. I needed a better understanding of what I had, what it was earning, and what that meant for our future.
This process evolved into a structured roadmap—from evaluating our current position to creating a financially sound plan for the years ahead. I realised that this simple exercise of mapping and analysing assets could become a powerful foundation for better financial decisions.
A Wider Perspective
As I refined this method, I started wondering: How are other women managing their finances? I spoke to a wide range of women—successful professionals, entrepreneurs, employees across industries, and homemakers across age groups.
The insights were revealing. Many said, “My husband manages it.” Others relied on informal advice from family, friends, or even social media. Few had ever sat with a financial advisor. Even among those who had, most didn’t know exactly what they owned or what it was earning. Their financial decisions were rarely based on structured analysis.
This insight was a turning point.
The Turning Point: Coimbatore
Around this time, I was invited to participate in a Women Empowerment Project in Coimbatore, working with a garment factory where over 80% of the workforce were women from nearby villages.
We began by surveying the women’s baseline knowledge in key areas of decision-making. The findings were clear: the lowest awareness was around savings and investment, even though many of these women were the primary earners in their households. We organised training sessions focused on these topics—demonstrating how to prioritise savings, start investing, and most importantly, track those investments.
That experience solidified my resolve. I wanted to develop a methodology and tool that could help women everywhere to map, analyse, and optimise their finances—empowering them to make informed, independent decisions.
The Birth of FinUjjwal
And so, FinUjjwal was born—an app designed to be a woman’s companion on her journey to financial literacy, clarity, and independence.
Our goal is simple yet powerful: to enable women to take charge of their financial future. We hope to build a community where each woman who learns passes it forward—“Let each one reach one.”
TOGETHER, LET’S IGNITE A WAVE OF FINANCIAL AWAKENING—ONE WOMAN AT A TIME.
