Built by Atriqa · in development
Your clients remember
how you made them feel.LedgerBro remembers everything else.
Every birthday, every renewal, every policy milestone and every follow-up you meant to make — surfaced on the day it matters, with the message already drafted. For mutual fund distributors and insurance brokers.
Fifteen minutes, no pitch deck. Built for advisors running 200+ policies across India and the UAE.
This week · handled for you
Live- MON07:30R. SharmaBirthday todayRelationship
- TUE07:30Mehta familyPremium due in 7 daysRenewal
- THU09:15A. IyerSIP completes 5 yearsMilestone
- FRI07:30Kulkarni HUFAnnual review dueServicing
Interface preview · in development
Every date
birthdays, renewals, milestones
Surfaced before you would have remembered
Drafted
the message is already written
Compliance-checked, waiting for you
On Telegram
ask it from the car
No dashboard to open
Zero
messages sent without you
You always press send
01The problem
Nothing is broken. That is exactly why things keep slipping.
Your book runs across four systems that have never spoken to each other. Each one works. None of them knows what the others hold, and what falls between them is not usually money. It is time, and the client who felt forgotten.
01
A WhatsApp thread
Every client conversation you have had
Buried under two hundred other chats by Friday
02
A paper diary
Renewal dates, in your handwriting
Not searchable. Not backed up. One coffee away from gone
03
An Excel sheet
Policies, folios, and what you think you are owed
Only correct on the day you last updated it
04
An insurer portal
What they say they paid you
One login per insurer. No totals. No history
The gaps
A birthday you meant to acknowledge
A renewal that lapsed in silence
An hour hunting for one policy number
The client who felt forgotten
One system that holds all four, and tells you what needs doing today.
What that quietly costs, every week.
6
hours a week
Hunting through four systems for something you already know. That is most of a working day, every week, spent on retrieval rather than advice.
1 in 3
client moments missed
Birthdays, policy anniversaries, the review you promised in March. Nobody is tracking them, so they pass unmarked — and the client notices.
Figures are illustrative, based on the working patterns described in the sources below — not measured client results. We have no clients yet, and we are not going to pretend otherwise.
“Most agents still manage renewals through a paper diary plus a WhatsApp pinned-chat plus an Excel sheet plus the insurer portal.”
Agenex, on how Indian insurance agents work today
“Without a reliable system to track brokerage across multiple AMCs, distributors struggle with reconciliation and mismatch issues.”
AssetPlus, on MFD commission reconciliation
02Your assistant, not a dashboard
It knows your book. And it messages you first.
Advisors are in a car, in a client's living room, on a call, not at a desk with a CRM open. So LedgerBro lives on Telegram, trained on your clients and your insurers, answering the way a colleague would if they had read every file in your office.
Ask it anything
- “Whose premium is due this week?”
- “When did I last speak to the Mehtas?”
- “Pull up everything the Iyer family holds”
- “Draft a birthday message for Sharma ji”
And it speaks first
- 07:30Sharma ji's birthday today. Message drafted — want to see it?
- 07:303 premiums due this week. Mehta's is the big one, ₹22,500 on Saturday.
- on triggerA. Iyer's SIP completes 5 years on Thursday. Worth a call.
- on triggerKulkarni HUF is 2 days overdue and hasn't opened the last reminder.
This is the part most advisors miss. Not for lack of caring: nobody is watching the calendar for them. That is the machine's job.
Whose premium is due this week?
4 due. Sharma ji ₹48,000 on Thursday (T-3, lapse risk 82). Mehta ₹22,500 Saturday. Two more under ₹20,000.
Answered in 1.2s
Which commissions are past five months?
Kotak Q4 FY25 — ₹19,350 short, window closes in 5 days. ICICI Q4 FY25 — ₹21,600 short, 12 days. Both drafts prepared.
3 client moments this week
Draft the Kotak dispute.
Drafted and checked against the compliance filter. Nothing sent — review it and it goes from your hand.
Awaiting your approval
Interface preview · in development
The system never messages your client.
It reminds you to.
Your ARN or IRDAI registration is on the line for every message under your name, so the licensed human stays the accountable party. A deliberate product decision, not a missing feature.
Distributor-funded, not AMC-funded. There is no fund and no product we are paid to steer you toward.
03How it works
Four steps, and then it runs without you.
One system where four used to be, carrying the same record from import to the message you send.
- 01
Bring your book across
CSV, Excel or a CAS PDF. Map your columns once.
MoreLess
Nothing commits until you have previewed it, and any import can be undone. Your spreadsheet is the starting point, not a rewrite.
- 02
The calendar watches itself
Premiums, birthdays, milestones and reviews on one due calendar.
MoreLess
T-30, 15, 7, 3, 1, then overdue. For renewals, reviews, and the client moments that quietly keep a book together.
- 03
It writes. You read and send
Every reminder pre-drafted and checked before it reaches you.
MoreLess
No advice language, no return claims, disclaimers attached. Nothing leaves without your hand on it.
- 04
Ask it, don't hunt for it
“Whose birthday is this week?”, answered on Telegram.
MoreLess
No dashboard, no screen to learn. You have the answer before you finish parking.
The whole argument in 54 seconds. Captions on by default; turn them off with the control.
Interfaces shown are previews
04What it does
It watches the calendar so you can do the actual job.
Reminders & follow-up
Nothing lapses because everyone forgot.
Every premium, renewal and promised follow-up on one calendar that watches itself. The nudge ladder escalates on its own.
- T-30, 15, 7, 3, 1, then overdue. You stop being the reminder system
- Lapse risk scored per policy, so the ones about to go come first
- Drafted and checked before it reaches you. You read and send
- Replies land back on the record, not in a chat you will lose
Nudge ladder
- ₹48,000Lapse risk82Draft ready
R. Sharma
HDFC Life Sanchay
- ₹22,500Lapse risk41T-7
Mehta Family
ICICI Pru iProtect
- ₹1,15,000Lapse risk18T-15
A. Iyer
SBI Life Smart
- ₹36,200Lapse risk94Overdue 2d
Kulkarni HUF
Max Life Term
4 reminders drafted and cleared. Waiting for you to send.
Closing AUM
₹42.75 Cr
You moved
+₹1.56 Cr
Market moved
−₹1.41 Cr
Know where you stand
“Why did my income drop this month?”
Your AUM moves even when every client sits still, so a total tells you nothing. LedgerBro splits the month in two: what you brought in, and what the market did to you.
The difference between “I had a bad month” and “the market had a bad month and I still added ₹1.56 crore.”
Trail income is computed daily, against what should have arrived.
And the everyday machinery underneath.
Relationship engine
The moments that keep a book
Birthdays, anniversaries, milestones and reviews surface on the day, message already drafted.
Client 360
Every policy and folio, per family
Everything a household holds in one view, with consent tracked separately for servicing, marketing and AI outreach.
Import
Your spreadsheet, not a rewrite
Map your columns once, preview before it commits, undo any import. CAS PDFs parse directly.
Commission tracking
It notices when an AMC underpays
Expected against received, from your own rate tables. A by-product of tracking properly, not a separate chore.
Compliance engine
The system that protects your licence
Every draft checked for advice language and return claims before it goes out. Disclaimers attach automatically, and every check is logged.
Two markets
India and the UAE, one system
A jurisdiction selector at onboarding: mainland, DIFC or ADGM, each with its own data and disclosure rules.
05Security & data
You are handing over your clients' financial lives. Here is exactly how it is held.
Your registration is on the line for a data failure. Four layers, each one a thing an attacker has to get through.
- 01
Its own instance
PerimeterProduction runs isolated from every other Atriqa system. Client data does not share a database with a marketing tool.
- 02
Two factors, every account
Identityargon2id hashing and a TOTP second factor on every account. Bulk exports stay locked until it is enrolled.
- 03
Isolated from every other advisor
TenancyA tenant identifier enforced at the data layer on every row, with a cross-tenant leakage test as a release gate.
- 04
Encrypted, scoped, logged
RecordEncrypted at rest. Staff see only their own clients. Every bulk read and financial write goes to an append-only audit log.
On request
Your own server, your own domain
A dedicated instance on its own domain and server, with its own database. Nothing is co-tenanted, and we hold no standing access: support happens only when you grant it, for as long as you grant it.
Available on request as an added security option, at additional cost.
Consent is tracked separately for servicing, marketing and AI outreach, never one blanket checkbox. Your data exports in full, whenever you want it.
India · UAE (mainland, DIFC, ADGM)
06Where this stands
In development. Built in the open, with the advisors who will use it.
No client logos, because there are no clients yet. No testimonials, no time-saved statistic, and every interface above is labelled a preview. We would rather tell you here than in the meeting.
Designed
The hard data model
The client and household model, the due calendar, the compliance filter. The parts that are expensive to retrofit.
In build
Servicing workflows
Renewals, the nudge ladder and the Telegram layer, being written now. Which is when your book should be shaping them.
Open
What a real book teaches
Which insurers you run, how your rate tables really work, where your week actually breaks. That comes from an advisor, not a spec.
Which is why the offer is a conversation, not a demo.
We are looking for a small number of MFDs and insurance brokers to shape this while it is still cheap to change. Book a meeting and you are not requesting a walkthrough; you are deciding what it becomes.
Want a mature product to evaluate today? Wrong quarter. Want one shaped around how your book actually works? Right moment.
About the maker
LedgerBro is built by Atriqa, an integrated marketing and AI services company working across India and the UAE.
We build operational systems for regulated businesses. This one exists because the work it removes is unglamorous enough that nobody has bothered to solve it properly.
07Questions
The things you would ask on the call anyway.
Is this actually built yet?
Not finished. The data model and architecture are built; the servicing workflows are being written now. Every interface here is labelled a preview.
Does it ever message my clients directly?
No, and it never will. It drafts and checks; you read and send. Your registration is on the line for anything under your name.
Is this advice software?
No. It is a servicing system for distribution: no recommendations, no projections, no return assurances. An MFD legally cannot give advice, and the product is built around that.
Who is legally responsible if a compliance check misses something?
You are, the same as today. The filter is a safety net under your judgement, not a replacement, and every check is logged.
What happens to my existing Excel sheet?
It becomes the starting point. Map your columns once, preview before it commits, undo anything that goes wrong. CAS PDFs parse directly.
Where is my clients' data physically held?
Encrypted at rest, access scoped per advisor, on infrastructure separate from any other Atriqa system. A fully dedicated server and domain is available on request. UAE jurisdiction is set at onboarding.
Does it handle both mutual fund distribution and insurance?
Yes. Policies and folios sit in the same client view, grouped by family, because most Indian advisors run both.
What if I stop paying, or you shut down?
You export the whole book in a machine-readable form, whenever you want. A system holding your book should never be one you cannot leave.
What does it cost?
Set per engagement, because the first deployments include alterations for the advisor in question. Book a meeting and we will scope it against your book.
Before you book
Three questions about your own book.
- 01Name the three clients with a birthday this month.
- 02Name every premium falling due in the next fortnight.
- 03Find the last thing you promised a client and never followed up on.
If you had to go looking, or you could not answer at all, that is the conversation. Not because you are disorganised, but because nothing you own was built to remember it for you.
Fifteen minutes. No pitch deck, no demo of unfinished software.
- Format
- 15 minutes
- Markets
- India · UAE
- Timezones
- IST · GST
- Work weeks
- Mon–Fri · Sun–Thu
You would be among the first advisors shaping this, not the hundredth buying it.