Artha

Artha is Invesh’s in-product AI wealth assistant. Ask in plain English about your portfolio, request a change, or attach a statement — without giving up control over what gets written.

Open Artha from the top navigation (or the mobile bottom bar), or start from a type dashboard with AI Import / Import with Artha (see below).

On the Artha home, a time-of-day greeting leads the page — for example Good evening, Alex — with portfolio chips and starters below when you already track investments.

Past conversations live in a Chats sidebar instead of a History dialog:

On wide screens, the sidebar sits beside the chat and can be hidden or shown
On narrower screens, chats open as a left drawer (Open chats)
New chat and the settings gear sit at the top of the sidebar
Search chats by title; lists group by day (Today, Yesterday, weekdays, then older dates)
Pinned chats stay in their own section at the top
Empty state: No conversations yet with a New chat button

On the home landing, a Continue strip can show recent chats; See all chats opens the sidebar when it is not already visible.

Thread header

In an open chat:

The title shows in the header — click it to rename when you can edit
New chat appears as an icon when the sidebar is hidden
Chat options (⋯) offers Export (Markdown download of this chat), Pin / Unpin, and Delete (saved investments are not touched)

Settings

Open settings from the sidebar gear (or Cmd+, / Ctrl+,). Tabs:

Tab	What you control
General	Answer length (Short / Balanced / Detailed), Language (English / Hindi), Show work steps, Follow-up suggestions, and Ask before saving (always on — Artha stages changes for your approval)
Personalization	Short notes Artha remembers about you; forget one, or Clear all. If memory is off, turn it on under Data & privacy
Data & privacy	Keep chats for (7 / 30 / 90 days of inactivity for chats without saved changes), Remember things about me, Export my chats (one Markdown file), Delete all chats (confirm first; investments stay)
About	What Artha is, the privacy note, and a link to your Invesh profile

What Artha is for

Asking questions about holdings and portfolio context available to the assistant
Uploading PDFs, images, or spreadsheets so Artha can extract candidate data
Guided create flows for live types (create account, add snapshot, add holding, add PPF or EPF transaction, review many creates at once)
Proposing changes that you review before they are applied

Portfolio summary on the Artha home

When you already track investments, the home shows chips under the greeting:

Surface	What it shows
Net worth chip	Rupee total for your portfolio; tap to ask Artha about net worth
% vs invested chip	Performance as up / down X% vs invested when it can be shown — not a 6-month deposit-trend percent
Waiting for you	When approvals are pending, a chip (or on phones a banner with Review)

How the return is calculated

Worth (the rupee total) still includes bank balances
Gain and % vs invested use Stocks, Mutual Funds, US Stocks, Fixed Deposit, Public Provident Fund, and Employee Provident Fund only — Bank Account is left out of both the gain and the invested base, so cash is not treated as profit
The percent is hidden when there is no positive invested base (for example bank-only), instead of a misleading figure
US Stocks join that return only when a usable USD/INR rate is available — the same check as the Wealth Dashboard (a stored rate that is a finite number greater than 0)
When US stocks are included, hovering the Net worth chip can show the rate used and rate as of a short calendar date for the quote’s fetch time (for example 17 Oct 2026)
Without that rate, US stocks stay out of the gain and invested base; if you hold US stocks, Artha shows the same US stocks are excluded from this view notice as Wealth

This matches the idea on the Wealth Dashboard: bank cash stays in net worth, not in return, and US stocks join INR return figures only with a usable rate.

Composer shortcuts

In the message box you can type:

/ — pick from suggested Actions (starter prompts)
@ — mention an investment account (or type label) so Artha knows which one you mean

The placeholder reads Ask a question, request a change, or attach a file…

From a live type dashboard, Add → AI Import (or Import with Artha in the setup wizard) opens a new Artha chat with the composer already filled for that product — for example Help me add holding to Stocks or Help me add transaction to EPF.

The message is not sent automatically. Edit it, attach a statement, then send when you are ready.

Clarification questions

When Artha needs a choice from you, it shows a questionnaire in the chat card:

Pick an option (letter shortcuts work), or type Other… when that is offered
For more than one question, use Previous / Next and the N of M progress label
Skip appears when skipping is allowed
After you submit, the card settles as answered

Switching workspace from Artha

If Artha proposes opening a different workspace, Invesh does not switch you automatically. You see a confirm dialog:

Title: Switch workspace?
Explanation names the target (for example Artha wants to open Family Portfolio. Your current workspace stays active until you confirm.). If the name is missing, it says another workspace
Stay here — dismiss the dialog and keep your current workspace
Switch — move to that workspace (then a success toast such as Switched to Family Portfolio)

Until you choose Switch, your active workspace does not change.

When Artha acts on your behalf

Investment creates, updates, and deletes for live types still go through Review & approve before anything is written. For a few other product actions that succeed during a chat, Artha shows a short info toast so you know what happened — for example:

Artha created a support ticket on your behalf.
Artha requested a data export on your behalf.
Artha submitted feedback on your behalf.
Artha updated your preferences.
Artha marked notifications as read.

You get one toast per action type for that reply, not a separate toast for every repeated tool call.

Charts and other reply content

When a chart in the reply cannot be drawn, Artha shows This chart could not be shown. instead of a broken blank. Tables, diagrams, and other reply content stay as readable text when they cannot be rendered as interactive media.

What Artha is not

Not a licensed financial advisor and not a guarantee of investment outcomes
Not an unsupervised bot that silently edits your ledger — write paths require your approval
Not a substitute for type dashboards — it complements tracking

Password-protected PDFs

Artha cannot read a PDF that still has a password. There is no password field — Invesh never asks for or stores the PDF password.

When a protected PDF is rejected, you see a toast such as:

This PDF is password-protected, so we can't read it. Open it with its password, save or print it as a new PDF without a password, then upload that copy. We never ask for or store your password.

Open the file with its password on your device, save or print an unlocked copy, then upload that copy.

Document import loop

Start a conversation or upload a file in Artha
Artha extracts or proposes structured data (accounts, snapshots, holdings, or PPF / EPF transactions)
You review what will be written
When you Approve, Invesh applies the change and dashboards update

If something looks wrong, reject or edit rather than forcing a bad import through.

While Artha works, you may see Thinking, Awaiting approval, and Approve states in the chat. Work steps can stay folded into one line or open — control that under Settings → General → Show work steps.

Assisted create flows (live types)

From Artha you can start focused flows for the enabled types:

Intent	What you do
Create account	Start an account for bank, stocks, US stocks, mutual funds, fixed deposit, Public Provident Fund, or Employee Provident Fund
Add bank snapshot	Record a balance for a bank account
Add one holding	Add a stock, US stock, mutual fund, or fixed deposit position
Add PPF transaction	Add a deposit, lump sum, interest, or withdrawal
Add EPF transaction	Add a monthly contribution, interest, withdrawal, or lump sum with employee, employer, and pension amounts
Add many holdings	Add many stock, US stock, mutual fund, or fixed deposit rows at once

Reviewing a single change

When Artha stages one create, update, or delete for Bank Account, Stocks, US Stocks, Mutual Funds, Fixed Deposit, Public Provident Fund, or Employee Provident Fund, Review & approve opens the same guided form dialog used for manual entry — prefilled from the staged step.

Create — confirm or edit the fields, then save. The staged account stays attached
Update — the dialog shows the record with Artha’s proposed edits. Approving writes only the staged patch (edits you make to those patched fields are kept; other field edits are dropped)
Delete — the dialog shows the record so you can confirm. Approving deletes that staged id; edits in the form are ignored
Cancel (or close the dialog) — return to Artha without writing anything

Bulk review is unchanged.

Reviewing many creates at once

When Artha stages two or more creates of the same kind (accounts, balance snapshots, holdings, or PPF / EPF transactions), the workflow card shows a summary row instead of listing every item in chat.

Open Review & approve to edit and approve the batch on a dedicated review page
Holdings are grouped by broker or platform account — if Artha stages stock holdings for two brokers, you see two rows (for example, “Add 2 stock holdings · My Zerodha” and “Add 2 stock holdings · Groww Portfolio”), each with its own review sheet
Each holdings review sheet uses the same account selector as Add several (Bulk Add), preselected to that broker or platform — change it only if you need to move the batch
Account creates, balance snapshots, and PPF / EPF transaction batches still group by kind (not by account)
A broker or platform with only one staged holding uses the single-change guided review above
Large holdings batches use the same paginated spreadsheet as Add several (Bulk Add) (50 rows per page by default, footer total, Save All for the full set)
After you approve some rows, the summary count shows what is still pending
Only the next ready step shows Review & approve; other steps stay in order
Rows you remove on the review page stay pending in chat until you handle them — they are not created

Possible duplicates

When a staged create looks identical to something you already have — or to another row in the same batch — Artha shows a soft Possible duplicate warning. It is advisory only; you can edit, remove the row, save anyway, or cancel.

Single review (one snapshot or transaction): an amber notice appears above the guided form
Bulk review: flagged rows show an amber warning icon (instead of the row number) and a light amber tint; hover the icon for whether the match is another row in this batch or a record you already have

Uploaded files also appear in the workspace Files library for later download.

From the composer, Recent files lets you attach uploads you already have. It uses the same list/grid library views and type filters as Files. Removing a saved library file from the chat only detaches it from that message — it stays in Files until you delete it there.

Privacy and trust

Treat uploads as sensitive financial documents. Prefer official Invesh app surfaces; do not paste secrets into untrusted channels.

In Artha → Settings → About (and the privacy summary under Data & privacy), the note says:

Your files and chats are sent over encrypted connections
We don’t sell your data
Artha uses OpenAI’s API, and OpenAI’s API terms say data sent through the API isn’t used to train their models