HRA-ready rent receipts
One tap exports a properly formatted rent receipt PDF for your HRA claim. Landlord name, PAN, amount, period, signature line. Built to pass an audit.
Made in India
Rupee-first. UPI-fluent. Built for how India actually pays.
Most expense apps treat India like a translation problem. They convert dollars to rupees and call it a day. talo started in Gurgaon, with flatmates, with UPI, and with chai. Every detail is built around how money actually moves here.
🇮🇳 Gurgaon-builtNPCI-ready UPI deep-linksHindi coming soon
UPI deep-links
One tap. Any UPI app. The right ₹.
Pick a balance, tap settle. talo opens GPay (or your default UPI app) with the amount, the VPA, and the note already in place. You confirm with your PIN. Done in under three seconds.
- NPCI-compliant deep linking
- Choose your default: GPay, PhonePe, Paytm, BHIM
- VPA verified before the link opens
- Auto-detect when your flatmate has paid back
Pay with · works with all of these
defaultGoogle Pay
PhonePe
Paytm
BHIM
Cred
Amazon Pay
ICICI iMobile
HDFC PayZapp
Axis Mobile
SBI YONO
talo doesn't store your bank details. UPI hands off to your bank app for every transaction.
Categories that match real life
Chai. Autowala. Milkman. RO water. Yes, all of it.
talo's default categories reflect what an Indian flat actually spends on. No more pretending the autowala fits under “Transportation.”
chai
autowala
Blinkit
Swiggy
Zomato
Zepto
BESCOM
RO water
Wi-Fi
presswala
Dunzo
milkman
Hindi & regional languages
English now. Hindi shortly. Then Kannada, Tamil, Telugu, Marathi. Your flatmate's parents shouldn't need to learn an app to send rent.
Bank-side privacy
talo never sees your bank balance, statements, or account numbers. UPI hands off completely. We only know what the flat shares with us.
WhatsApp-native
Share a clean balance summary or rent receipt to your flat's WhatsApp group with one tap. No screenshots of spreadsheets.
From flats, for flats
“talo is the first money app that didn't feel like it was translated from English. It feels like it was made on this side of the wall.”
A flat in Gurgaon · 4 flatmates, 1 chai jar
Get talo
Built here. For everyone here.
Free during early access. Open beta across Gurgaon, Mumbai, Bengaluru and 9 other cities.