Made in India • Privacy-First Architecture

UPI Chat

“Track, Converse & Master Your Daily Expenses with Multimodal AI.”

Transform everyday payment screenshots into organized financial intelligence. Simply share screenshots from PhonePe, Google Pay, Paytm, BHIM or CRED — our dual-engine AI extracts every transaction detail with zero manual typing, while an offline conversational assistant answers questions like "Aaj kitna kharcha hua?" in English, Hindi & Hinglish.

1-Tap Screenshot OCR Hindi/Hinglish Voice & Chat 100% Local Privacy

Experience AI Demo Explore Tech Specs

Gemini 3.5 Flash Multimodal OCR

0ms Latency Offline NLP Engine

SQLite Room On-Device Storage

09:41

100%

UPI Chat AI

Active • On-Device Engine

Offline AI

aaj chai aur food par total kitna kharcha hua?

10:14 AM

⚡ Local AI Assistant

Aaj aapne Food & Dining category me total ₹340 kharch kiye hain:

☕ Sharma Tea Stall ₹40

🍔 Burger King (GPay) ₹300

10:14 AM

PhonePe_Payment_Success.png Shared via System Sheet

10:18 AM

✦ Gemini 3.5 Multimodal Scan

Screenshot scanned successfully! Transaction added to your database:

PhonePe Paid Successfully

Paid to HP Petrol Pump ₹ 1,250.00

UPI Ref: 424098711029 Category: Fuel & Travel

10:18 AM

Ask anything: "Is mahine kitna bacha?"...

Universal Ecosystem Support

Works with Every UPI App in India

No complicated bank SMS permissions required. Simply take a screenshot and tap Share → UPI Chat.

G

Google Pay Instant OCR

Pe

PhonePe Full Receipt Parse

Pay

Paytm UPI Soundbox & QR

CR

CRED UPI Credit & UPI Scan

BH

BHIM UPI NPCI Standard

a

Amazon Pay Fast Extractor

₹

All Bank Apps HDFC, SBI, ICICI, etc.

State-of-the-Art Technology

The Dual-Engine AI Advantage

Engineered for absolute accuracy, maximum privacy, and zero monthly subscription costs.

Engine 01 • Multimodal Cloud Vision

Gemini 3.5 Flash Receipt Scanner

Adaptive Single-Pass Structured OCR

When a screenshot is shared, our single-pass vision pipeline runs adaptive preprocessing, image sharpness optimization, and sends a strictly typed structured JSON prompt to Gemini.

✓
Zero Data Fabrication Policy: If a field (like UTR or Merchant) is not clearly visible in the image, it returns strict null rather than hallucinating numbers.
✓
Instant Field Extraction: Amount, Receiver Name, UPI Reference ID / UTR, Timestamp, Category, and Payment Direction (Debit vs Credit).
✓
Smart Duplicate Detection: Cryptographic SHA-256 image hash & UTR cross-check prevents scanning the same bill twice.

Engine 02 • 100% Offline On-Device

LocalAssistantEngine 2.0

Deterministic 10-Stage Conversational NLP

Your financial conversations never leave your device. The entire query engine executes directly in Kotlin on-device with 0 network calls, 0 token costs, and 0ms latency.

✓
Multilingual NLP: Fluid understanding across Pure Hindi (Devanagari), Romanized Hinglish, and Standard English.
✓
Contextual Time Range Parsing: Understands "aaj", "kal", "pichle hafte", "is mahine", "last 3 months", and exact date brackets.
✓
Deep Financial Calculations: Calculates sums, averages, top merchants, category shares, and spending trends on local SQLite database instantly.

Interactive Capability Demo

Ask Naturally. Get Instant Clarity.

See how UPI Chat understands natural Indian conversational queries without strict formatting.

Try Asking:

You

aaj kitna kharcha hua?

UPI Chat Assistant • Local Engine

Aaj aapne kul 3 transactions me ₹ 1,640.00 kharch kiye hain:

Sharma Tea & Snacks₹ 40.00

HP Fuel Station (PhonePe)₹ 1,250.00

Blinkit Grocery Order₹ 350.00

💡 Sabse zyada kharcha Fuel category (76.2%) me hua hai.

Core Capabilities

Built for Real-World Indian UPI Users.

Designed from the ground up to solve the chaos of multiple UPI apps, unorganized bank statements, and privacy concerns.

Direct Android Share Sheet

Share payment screenshots straight from your gallery, notification screenshot popup, or UPI app share drawer without ever opening file managers.

100% Privacy & Local SQLite

All expense history resides securely in an encrypted local Room SQLite database on your device. We never ask for bank PINs, OTPs, or passwords.

Smart Category Intelligence

Automatically tags transactions into Food, Travel, Fuel, Bills, Medical, Shopping, and Transfer. Override or customize categories with a single tap.

1-Click PDF & CSV Export

Generate professional monthly expense summaries, category reports, and audit-ready spreadsheets in PDF, CSV, or Excel formats for tax and budget planning.

Guest Mode & Cloud Sync

Start instantly as a Guest with zero sign-up required. When ready, link Google Sign-In to safely back up your data across your Android devices.

Biometric App Lock

Protect your private financial dashboard with Android Biometric Fingerprint & Face Unlock authentication for ultimate confidentiality.

Engineering Stack

Modern Android Architecture

Built strictly following modern Android development best practices.

UI Framework

Jetpack Compose • Material 3 Design System

Programming Language

100% Modern Kotlin • Coroutines & StateFlow

Local Persistence

Android Room Database • SQLite Storage

Multimodal Vision

Gemini 3.5 Flash • Structured JSON Output

Local NLP Pipeline

LocalAssistantEngine 2.0 • 10-Stage Intent Classifier

Background Workers

Android WorkManager • Async Queue Sync

Created by DK NOVA • Developed by DECODER

Crafted with precision, high performance, and uncompromising respect for user privacy.

Frequently Asked Questions

Everything You Need to Know

Does UPI Chat require my Bank Password or UPI PIN?

Absolutely NOT. UPI Chat will never ask for your bank password, UPI PIN, debit card number, or OTP. The app only processes receipt screenshots you voluntarily share or manual expense entries you add.

Can I use UPI Chat without an active internet connection?

Yes! All conversational queries, financial calculations, search filters, and monthly analytics run 100% offline via our on-device LocalAssistantEngine 2.0. Internet is only required when scanning new screenshot images via Gemini AI.

Does UPI Chat read my SMS messages?

No. Unlike traditional expense apps that demand broad SMS permissions to scrape personal text messages, UPI Chat respects your privacy by using the Android Share Sheet for explicit user-approved receipts.

Which payment apps are supported?

UPI Chat supports screenshots from all major UPI and banking apps including Google Pay, PhonePe, Paytm, BHIM, CRED, Amazon Pay, Navi, BHIM SBI, HDFC PayZapp, ICICI iMobile, and standard UPI receipt formats.