Frequently Asked Questions

inve.money is an AI-powered investment intelligence platform for Indian investors. We analyze your portfolio for concentration risk, crash vulnerability, and red flags. We also provide AI-powered earnings call analysis for 500+ Indian stocks.

Yes! The free plan gives you a full portfolio health score, top risk factors, concentration analysis, crash scenario preview, and basic concall analysis. No credit card required. The Pro plan unlocks unlimited deep-dive analysis, multi-quarter trends, and premium features.

Currently we support Zerodha (Kite) via Account Aggregator integration. You can also upload your holdings as a CSV file from any broker — Groww, Angel One, Upstox, ICICI Direct, HDFC Securities, and more.

We analyze your portfolio using the Herfindahl-Hirschman Index (HHI) for concentration, historical drawdown data for crash simulation, and multi-factor models for red flag detection. The result is a comprehensive diagnosis with actionable recommendations.

The concentration trap identifies when too much of your portfolio depends on a small number of stocks or sectors. Many investors unknowingly have 50-60% of their portfolio in just 2-3 sectors, making them highly vulnerable to sector-specific downturns.

No. inve.money is strictly an analysis and advisory tool. We provide read-only access to your portfolio data and cannot execute trades, withdraw funds, or modify your broker account.

Concall AI uses artificial intelligence to analyze conference call transcripts of listed Indian companies. It tracks management promises quarter-over-quarter, highlights red flags, detects evasive language, and gives you a quick verdict on management credibility.

We currently cover 500+ Indian companies listed on NSE/BSE, with new companies added regularly. Coverage includes most Nifty 500 companies and select smaller companies with active earnings call transcripts.

Our AI models are trained on thousands of Indian company earnings calls and continuously improved. While AI analysis is highly useful for identifying patterns and flagging concerns, we always recommend cross-referencing with your own research. This is not financial advice.

Absolutely. We use bank-grade encryption (TLS 1.3 in transit, AES-256 at rest) and never store your broker credentials. Portfolio data is accessed through RBI-regulated Account Aggregator APIs with read-only permissions.

Yes. You can delete your account and all associated data at any time from your profile settings. We follow data minimization principles and only store what's necessary for analysis.

Never. Your portfolio data is never sold, shared with third parties, or used for advertising. Our business model is based on paid subscriptions, not data monetization.