Software with a spine.
If the answer is no, the product says so. No upsell theatre. No fake urgency. No 'limited time' offers that aren't.
The mission
Make money quietly work for everyone.
Personal finance shouldn’t need a spreadsheet, a finance degree, or four different apps. Rivo watches in the background, catches what matters, and puts the right call in front of you before you ever had to go looking for it.
Why now
The default tools were built for a world that doesn’t exist anymore.
Three things changed in India in the last five years. UPI made every rupee traceable. Salaries moved on time. And a generation of customers stopped trusting brochures.
But the apps that hold your money are still designed like the kiosk at a bank branch—full of features, light on judgement. Rivo is built the other way around.
What we believe
Four small bets.
Defaults that work for the customer, not the P&L.
Every feature is tested with the question — is this the choice we'd make for ourselves, our parents, our friends?
Privacy as a posture, not a paragraph.
We collect the minimum we need to be useful. We never sell data. If we use a third party, we name them up front.
AI that earns its place in your day.
Rivo won't message you unless it has something worth saying. But when it shows up with a nudge, an answer, or a reality check it's because it actually understands your situation, not just your data.
The founder
Chandresh Pancholi.
Eight years building money products at Navi, Paytm and Flipkart. Two-time founding engineer. Watched smart teams ship features that made the spreadsheet happy and the customer poorer.
Rivo is the opposite bet—software that works for the person, not the P&L. We’re a small team in HSR, building quietly toward a launch later this year.
Ex-NaviEx-PaytmEx-FlipkartBITS Pilani
Read on LinkedIn Where we are
The road so far.
Q3 2025
Idea on paper
First sketches, first user interviews, first 'no's. The companion concept survives the first 20 conversations.
Q4 2025
Company set up
Rivo Technologies Pvt. Ltd. registered in Bengaluru. Initial team of 3.
Q1 2026
Calculators + Blog live
35 free financial calculators and a growing library of guides published. Tools for anyone in India to calculate EMIs, compare tax regimes and plan savings while the app is in the works.
Q2 2026● you are here
Android launch
Rivo is now available on Android, with the first release focused on helping people see and act on their everyday money.
Later 2026● upcoming
iOS launch
The iOS app is coming soon. We are still building toward its release.
Still reading? You’re exactly who we built this for.
Join the club or follow us on LinkedIn—we write about what we’re building, what we got wrong, and what’s next.