Serious India finance writing now mentions Account Aggregator (AA) - and it should, for "see every bank in one place." Daily expense tracking is a different job.
When AA makes sense
- You want multi-bank balances, loans, and investments in one consent-based view
- You are fine granting (and later revoking) financial-data consent
When SMS + Sheet is enough
- Goal is "where did this week's UPI go?"
- You already get RBI-style debit SMS
- You want the history in a file you can export forever
Kharch Log is built for the second path: no bank login, SMS drafts, Sheet ownership. Read more on SMS capture and our privacy policy.