Stop chasing
flatmates,
tenants, &
residents
for money.
The financial operating system for shared living. Connect your existing bank accounts, automate expense splits via secure payment mandates, and track property dues—all from one unified ledger.
The Core Problem
Finance apps ignore where you live. Society apps ignore your money. Expense apps don't connect to your real bank history.
The Lifecycle
Built to scale with you. From a PG room, to a rented flat, to owning a home in a society.
Engineered for Scale.
Designed for Humans.
System Intelligence
Automated Payment Infrastructure
Set a secure payment limit once, and future splits automatically debit. Zero manual chasing, mathematically verified ledger balancing.
Bank-Agnostic Connectivity
No need to switch banks. We securely aggregate your existing financial data to provide predictive cash flow, subscription tracking, and real-time anomaly alerts.
Privacy-First Architecture
Built on high-performance frameworks with granular row-level security. Your residential data is isolated, encrypted, and strictly compliant with national data protection laws.
Inquiries
System FAQGhartha is a comprehensive financial operating system designed for shared living in India. It centralizes rent tracking, utility bill splitting, PG fee management, and housing society dues into one unified platform.
Instead of constantly asking people to pay you back, you can set up a one-time payment mandate. When you split a bill or issue a society maintenance charge, their share is automatically debited up to a limit they approve. No chasing, no awkward conversations.
Not at all. Ghartha is completely bank-agnostic. It connects securely to the bank accounts you already use to provide real-time transaction tracking and predictive cash flow insights without requiring you to switch providers.
It is built for anyone living in shared arrangements: flatmates splitting groceries, PG owners managing tenants, and RWA committees overseeing society maintenance. The system is designed to scale with you from a 3-person flat to a 300-flat society.
Absolutely. We operate on a strict privacy-first architecture in full compliance with India's digital data protection laws. We never store raw bank credentials, and your residential data is completely isolated from any advertising networks.