PULSE

Your money has a heartbeat. Now you can read it.

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inspiration

Every month, 500 million Indians receive a bank statement.

Nobody can read it.

Not really. You see numbers. You feel vague guilt. You close the app.

Meanwhile, the average Indian loses ₹4,200/month to forgotten subscriptions, emotional post-salary spending, and financial decisions made without any real understanding of their own patterns.

The wealthy have financial advisors. Everyone else has a PDF.

We built PULSE to change that.

Challenges

Indian bank statement formats vary wildly. SBI, HDFC, ICICI, and other banks use different column names, date formats, and debit/credit conventions. Gemini helps normalize ambiguous formats, but LLM JSON reliability is risky, so PULSE includes JSON sanitization, retries, deterministic fallbacks, and parser tests for SBI/HDFC-style CSVs.

The Insight

A radiologist looks at your X-ray and sees things you cannot see — hidden fractures, early disease, structural risk.

Your bank statement contains the same depth of information about your financial health. The data is all there. You just need someone who can read it.

What if your bank statement could speak to you like a doctor speaks to a patient?

That question became PULSE.

What PULSE Does

Upload any bank statement — CSV or PDF, any Indian bank — and PULSE produces a complete Financial Health Scan in under 30 seconds.

🫀 The Body Scan

A human body visualization where each organ maps to a financial vital sign:

Organ Vital Sign Healthy Benchmark
❤️ Heart Savings rate > 30% of income
🫁 Lungs Liquidity buffer 3+ months expenses
🧠 Brain Investment ratio > 20% of income
🦴 Spine Income stability Consistent monthly
🫃 Stomach Spending discipline Low volatility

Each organ glows green to red based on your actual numbers. Click any organ for a detailed breakdown and one specific action to improve it.

💧 The Leak Map

Visualizes exactly where money silently disappears — forgotten subscriptions, recurring micro-charges, overlapping services.

"You are leaking ₹3,840/month across 9 charges you forgot you subscribed to."

🌡️ The Stress Signature

A heatmap of spending by day of month — not day of week. This reveals something most people have never seen about themselves:

$$\text{Emotional Spend Index} = \frac{\text{Avg spend days 1-5}}{\text{Avg spend days 15-25}}$$

If your ESI > 1.4, you have a post-salary relief spending pattern. Most people do. Nobody told them before.

📈 The Opportunity Engine

One slider. One number. One moment of clarity.

Move ₹2,400/month from food delivery to SIP. Watch the 20-year wealth projection update in real time:

$$FV = PMT \times \frac{(1+r)^n - 1}{r}$$

Where \( r = 0.01 \) (12% annual) and \( n \) = months invested.

The number that appears is always larger than people expect. That's the point.

🔮 30-Day Predictions

Pattern-based forecasts of what will happen to your money this month — before it happens.

How We Built It

The pipeline: Bank Statement (any format) ↓ Gemini 2.0 Flash — universal parser ↓ Transaction categorization + pattern extraction ↓ Gemini 2.0 Flash — health scoring + predictions ↓ React visualization layer ↓ Financial Health Scan

The hard part was making Gemini reliably parse every Indian bank's wildly different CSV format — SBI, HDFC, ICICI, Axis all export differently. We solved this with a natural language parsing prompt that reads any format without hardcoded rules.

The harder part was the Body Scan SVG — building a medical-grade visualization that felt trustworthy, not gimmicky. It took 11 iterations.

Tech Stack:

  • Frontend: React + Vite + Tailwind CSS + Recharts
  • Backend: FastAPI (Python)
  • AI: Google Gemini 2.0 Flash
  • Deployment: Vercel (frontend) + Railway (backend)

The Privacy Promise

Your statement is analyzed and immediately discarded.
No data is stored. No account required. Nothing leaves your device.

This is not a feature. It is a principle.

What We Learned

Financial anxiety is not caused by lack of money.
It is caused by lack of clarity.

When people see their Body Scan for the first time — when they see their Heart glowing red because they're saving 4% of their income — something shifts. Not shame. Clarity. The kind that leads to action.

We tested PULSE with 12 people during development. Every single one said the same thing:

"I knew something was wrong. I just didn't know what."

PULSE tells them what.

What's Next

  • PULSE for Families — shared financial health dashboard
  • PULSE API — white-label for banks to embed in their mobile apps
  • Regional languages — Hindi, Telugu, Tamil, Kannada interfaces
  • Offline mode — for users with limited connectivity

The Vision

80% of Indians have never spoken to a financial advisor.
PULSE is not an app. It is the financial advisor India never had —
available to everyone, in 30 seconds, for free.

Your money has a heartbeat. Now you can read it.

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