Built on Clarity, Not Product Commissions.
The mission of Paise Plan is simple: empower Indian salaried professionals, self-employed creators, and families to make mathematical decisions about spending, insurance, debt, and long-term compounding without high-pressure sales calls.
The Core Conflict in Indian Financial Advice
Why standard bank "relationship managers" and free apps fall short
For decades in India, financial "advice" has been synonymous with product distribution. When an advisor or broker earns upfront and trailing commissions (often 20% to 40% on endowment insurance policies or trailing fees on expensive regular mutual funds), the advice is structurally compromised.
Young Indians were sold low-return ULIPs instead of pure term insurance, advised to stretch into unaffordable 30-year home loans without prepayment roadmaps, and left with zero structured emergency liquidity. We built Paise Plan to decouple unbiased financial mathematics from product distribution.
Our 4 Engineering Pillars
The rigorous principles governing every line of calculation code we write
1. Zero Distribution Conflict of Interest
We do not sell mutual funds, distribute life insurance policies, or broker personal loans. Because we have zero financial stake in whether you pick an Index fund or prepay your home loan, our calculators recommend what mathematically optimizes your net worth.
2. Realistic Indian Economic Context
Generic Western financial calculators use 2% or 3% inflation rates that are disastrous for Indian households. We factor in Indian reality: 6% general CPI inflation, 9% to 10% healthcare inflation, and 10% to 12% higher-education inflation with step-up SIP mechanisms.
3. Privacy by Design (DPDP Act 2023)
We will never ask for your PAN, Aadhaar, or bank net-banking passwords. You do not need to enter your mobile number just to test a calculator. All public calculator modeling executes client-side directly within your browser.
4. Interconnected Decision Logic
No financial decision exists in a silo. Deciding whether to prepay ₹10,000 extra on your home loan or start a SIP depends directly on your emergency fund size, insurance adequacy, and marginal tax bracket. Our engine interconnects every step.
CA Deepak
Chartered Accountant • 14 Years Across Big4 and Banking
Paise Plan is founded and directed by CA Deepak, bringing over 14 years of professional experience spanning Big4 accounting firms and premier commercial banking institutions.
Having seen firsthand how commission-driven product sales compromise financial advice for Indian households, CA Deepak architected Paise Plan as an independent, transparent personal finance modeling engine. Every formula, constraint, and capital allocation rule across our 7-step blueprint is engineered with institutional rigor and zero commission bias.
Operational Governance & Ownership
Platform: Paise Plan
Founder: CA Deepak (14 years Big4 & Banking)
Location: Paise Plan, Mumbai, India
Primary Contact: [email protected]
Paise Plan is an educational technology platform run by CA Deepak. We champion complete mathematical transparency and the separation of independent modeling from product distribution. For questions on methodology or calculations, our team is directly reachable.