Step 1 · Blueprint™ · ₹499 one-time
Blueprint™ — understand your financial position.
Your entry into Trovavo's Financial Operating System. Blueprint™ delivers your Financial Health Score, a full Liability and Cashflow Analysis, Resolution Opportunities, and a Personalized Financial Roadmap — all explained in plain English by Panda, your AI guide.
Step 1 · 60-second Quick Blueprint Review
Tell us four things. See value immediately.
Quick intake
No documents required.
Upload statements later to improve accuracy.
Blueprint Preview
Fill the four fields. Your Financial Health Score, Current Stage, and Top Opportunities appear here instantly — no documents required.
What's inside Blueprint™
One price. Six deliverables.
Entry · One-time
₹499
Blueprint™
Understand your financial position with AI-powered clarity.
- ✓Financial Health Score
- ✓Liability Analysis
- ✓Cashflow Analysis
- ✓Resolution Opportunities
- ✓Personalized Financial Blueprint™
- ✓Financial Roadmap
Membership · Monthly
₹299
Stabilize
Build financial stability with continuous AI guidance.
- ✓Resolution Assistant™
- ✓Financial Health Engine™
- ✓Financial Vault™
- ✓Progress Tracker™
- ✓Budget & Loan Tracking
- ✓Monthly Reviews
Most Popular · Monthly
₹599
Momentum
Accelerate financial progress with advanced AI tooling.
- ✓Everything in Stabilize
- ✓Advanced Resolution Assistant™
- ✓Resolution Simulator™
- ✓Multi-Loan Tracking
- ✓Advanced Financial Intelligence™
- ✓Priority Processing
Improve your Blueprint accuracy
Every upload visibly improves your Blueprint.
Blueprint Completeness
42% complete
- Upload Credit Report+15%
- Upload Loan Statements+20%
- Upload Lender Communications+10%
- Upload Additional Documents+15%
Inside the ₹199 Snapshot
Four signals. Three visuals. Plain-English.
01 · Loan stack
What's active
Red flag · predatory lender
Red flagKreditBee · CashBean
Action priority: kill these first.
Total active loans
4 lines · ₹47.4 L outstanding across secured and unsecured.
Secured vs unsecured
1 secured (Home) · 3 unsecured (Personal + 2 app loans).
Oldest active account
HDFC Home Loan — opened 2019, on-time history.
Closed last 12 months
2 accounts closed; both reported correctly.
02 · EMI burden
What you pay
Headroom before Danger: ₹2,700 / mo
Total monthly EMI
₹42,300 across all active lines.
DTI band
Warning — above the 35% safe threshold, below the 50% danger line.
Largest single EMI
₹28,900 — HDFC Home Loan.
Next 30-day outflow
₹42,300 due across 4 lender draft dates.
03 · Identity mismatch
Name vs bureau record
KreditBee
Bureau-registered as 'Krazybee Services Pvt Ltd' — same lender, different name.
CashBean
Bureau-registered as 'P C Financial Services Pvt Ltd'.
Stale address
1 address on file older than 24 months — verification drag.
Duplicate IDs
No duplicate PAN/Aadhaar entries detected.
04 · Enquiry pulse
Who pulled you
Last 30 days
1 hard enquiry — IDFC Personal.
Last 90 days
5 hard enquiries — clustered around Aug.
Last 365 days
11 hard enquiries — above the 8/yr soft ceiling.
Pattern
App-loan shopping detected — see Inquiry Pulse below.
Loan readiness
Home Loan
41%
Readiness
2 predatory loan(s) active
Personal Loan
51%
Readiness
2 predatory loan(s) active
Credit Card
60%
Readiness
2 predatory loan(s) active
Inquiry pulse
Last 12 months
Pattern: App-loan shopping
Inside the ₹499 Forensic Audit
23 risk parameters. One scan.
Agent 01 · Risk
Critical blockers
DPDs (days past due)
Every late payment in the 36-month window flagged with lender + amount.
Written-off accounts
Surfaced first — these are auto-reject triggers at most lenders.
Settled flags
Identified with the exact wording that recruiters and lenders see.
Hard enquiries
Counted and clustered — too many in 90 days hurts pricing.
Agent 02 · Income
DTI analysis
True DTI
Computed against net take-home, not gross — lender-grade math.
Home-loan band
Where you sit vs the 40–50% HL underwriting threshold.
Personal-loan band
Pricing tier you qualify for at the top 6 PSU + private banks.
Card limit headroom
Maximum revolving line you can carry without DTI drag.
Agent 03 · Errors
Mismatches to dispute
Stale addresses
Address records older than 24 months that drag verification.
Duplicate IDs
Multiple PAN/Aadhaar entries that create phantom debt.
Reporting errors
Closed loans still showing open — 20–60 point recoverable lift.
Wrong DPD tags
Bank reporting errors disputable under the CIC Act.
Predatory flag
Rate audit
Above repo + spread
Any loan priced above the statutory ceiling — restructure-eligible.
Hidden insurance
Bundled premiums inflating the effective APR.
Processing inflation
Front-loaded fees that violate the Key Fact Statement.
Penalty stacking
Late fees compounded against the principal — challengeable.
Forensic deliverables
Report + RBI letter + packet.
Deliverable 01
Forensic report
Executive summary
One-page snapshot a lender or you can read in 60 seconds.
23-parameter table
Each risk parameter scored red / amber / green with the line of evidence.
Score recovery path
Ordered action list — biggest CIBIL lift first.
Deliverable 02
RBI dispute letter
Pre-drafted
Cites the Credit Information Companies (Regulation) Act, 2005.
Per-error variant
Separate letter per mismatch, addressed to the right bureau.
30-day clock
Tracks the bureau's statutory 30-day resolution window.
Deliverable 03
Lender packet
Negotiation snapshot
What to ask, who to ask, what they can legally offer.
Restructure eligibility
Pre-checked against the 2021-22/125 stress framework.
Pricing benchmark
Comparable APR at three peer lenders for your profile.
Deliverable 04
Re-audit window
90-day re-scan
Free re-audit after disputes settle and bureau updates.
Score delta
Before/after diff — quantifies what the audit actually moved.
Next actions
Lifeline routes you into the Resolution Hub or Wealth track.