360° Financial Leakage Audit

Household Banking & Card TCO Audit

Most Indian families lose ₹4,000 to ₹18,000 every year in silent bank debit card AMCs, SMS alert fees, ATM overages, and credit card fee drag. Audit your complete banking portfolio in 60 seconds.

Step 1: Your Primary Savings Bank Account

Select Your Bank

Account Type

Charges differ between variants — only rules recorded for this account are counted.

Balance You Usually Maintain (₹)

Used to match the documented minimum-balance band.

Monthly ATM Withdrawals:6 txns/mo

Monthly Paid IMPS Transfers:4 txns/mo

Risk of dropping below Average Monthly Balance (AMB penalty triggers)

Step 2: Primary Credit Card Portfolio

I currently hold a credit card

Select Your Main Credit Card

HDFC BANK

VISA

MILLENNIA

•••• •••• •••• 2026

Mid-Tier

Actionable Steps to Plug Household Leaks

Eliminate Debit Card AMC: Switching to a bank with lifetime free virtual debit cards eliminates ₹354 – ₹885/yr per family member.

Use UPI Instead of Paid IMPS: Routing routine money transfers through UPI QR or NEFT saves up to ₹1,200/yr in transaction surcharges.

Household Efficiency

95/100

✨ Highly Optimized

Annual Financial Bottom Line

Credit Card Rewards Earned:+₹11,530

Bank Account Silent Leaks:-₹0

Net Annual Value:+₹10,497/yr