Get answers to common questions about Inly — how it reads SMS, privacy, Inly Score versus CIBIL, supported banks, and how expense tracking works.
Inly is India's automatic expense tracker and personal finance app for Android. As a UPI expense tracker and SMS expense tracker, it reads your transaction messages from banks, UPI apps, and payment services to automatically categorize your spending.
Most expense tracking apps require you to manually enter every transaction. Inly detects and categorizes transactions directly from your SMS inbox — no bank login, no manual updates, no spreadsheets.
Yes. Inly is free to download and use on Android via Google Play.
Inly is currently available on Android via the Google Play Store. An iOS version is not available at this time.
Inly reads transaction SMS messages sent by your bank, UPI apps, credit card providers, and other financial services. These messages are analyzed on your device to identify transaction amounts, merchants, and categories.
No. Inly does not require you to connect your bank account, share login credentials, or provide any banking passwords.
Inly detects UPI payments, debit card transactions, credit card transactions, net banking transfers, bill payments, subscription charges, and more — as long as your bank or payment service sends an SMS alert.
Yes. Inly uses commercially reasonable safeguards such as encrypted transmission and access controls. Eligible financial alerts may be processed on our systems. Derived profiles, personas, and behavioural patterns may be shared with authorised partners through secure APIs under contractual controls. Inly does not collect personal conversational SMS or raw OTP codes. For each collection event, see our standalone Privacy Notices at https://inly.digital/privacy/notices/ and the full Privacy Policy at https://inly.digital/privacy/.
No. Inly never accesses your bank account directly and does not store any banking credentials or passwords.
Each collection context has its own notice listing the specific data collected, purpose, whether it is required or optional, and how to withdraw consent. Start at https://inly.digital/privacy/notices/.
Inly Score is an in-app financial wellness indicator (shown on a 15–98 scale) derived from eligible bank, UPI, card, bill, EMI, and related payment SMS. It is not a CIBIL or other credit-bureau score. See https://inly.digital/privacy/notices/inly-score/.
No. Inly Score is not a CIBIL score and is not any other bureau credit score or credit report. It is an indicative in-app metric based on eligible financial SMS activity.
No — unless Inly expressly states otherwise in writing for a specific product or partnership. Do not present Inly Score as an official credit score. See https://inly.digital/disclaimer/ and https://inly.digital/terms/.
You can reach our support team at apps@appkhichadi.com. We typically respond within 1–2 business days.
Our Privacy Policy is available at https://inly.digital/privacy/, Privacy Notices at https://inly.digital/privacy/notices/, Terms & Conditions at https://inly.digital/terms/, and Disclaimer at https://inly.digital/disclaimer/.