Company
Kubear facts.
Kubear is a personal finance app for India that helps people and families keep spending, salary, bills, goals, investments, loans and insurance in one place, and ask questions about their own money, without reading your SMS.
Last checked 17 October 2026.
The facts
What is true today.
| Field | Fact | Last checked |
|---|---|---|
| What Kubear is | Kubear is a personal finance app for India that helps people and families keep spending, salary, bills, goals, investments, loans and insurance in one place, and ask questions about their own money, without reading your SMS. | 17 Oct 2026 |
| Maker | Kuberos Innovations Private Limited, Surat, Gujarat, India. Founder: Sidharth Bothra. | 17 Oct 2026 |
| Android | App on Google Play (in.kuberos.kubear). | 17 Oct 2026 |
| Web | Kubear for Android is on Google Play. There is no web app and no iPhone app. | 30 Oct 2026 |
| Price | Kubear Pro is free during early access. There are no prices yet. Any price will be shown clearly before you are asked to pay. | 17 Oct 2026 |
| Who it is for | Adults (18+) in India. | 17 Oct 2026 |
| Sign in | With your mobile number (OTP). | 17 Oct 2026 |
| Languages | English and Hinglish. | 17 Oct 2026 |
| How you add things | Type or say it in Chat, for example "paid 120 chai". Kubear writes a draft. You check it, then save. Nothing is saved until you confirm. | 17 Oct 2026 |
| Uploads | Bank statement (PDF or Excel), mutual fund CAS statement, receipt, insurance policy, or broker holdings from a statement or screenshot. Kubear reads it into a draft. You check it. | 17 Oct 2026 |
| AI service | Documents are read by Claude, an AI service from Anthropic, to make a draft. AI can make mistakes. You review every draft. | 17 Oct 2026 |
| CAS import | A mutual fund statement (CAS from CAMS, KFintech, CDSL or NSDL) can be imported. CASParser reads the PDF and the password you type. Kubear uses the password once and does not store it, and deletes its temporary copy of the PDF after every attempt. You review the draft before anything is saved. | 17 Oct 2026 |
| Digital gold and silver | An optional link to OroPocket, a separate company that handles buying, selling, savings plans and payments. When you choose to open it, your mobile number and name are shared with OroPocket. Kubear shows provider-sourced gold and silver facts. Digital gold and silver are not bank deposits and are not regulated by SEBI or RBI. Prices go up and down. | 17 Oct 2026 |
| Will draft | An optional form that puts your answers into a fixed template. Kubear is not a law firm and does not give legal advice. Have a lawyer review a will before you sign it. It is not valid until signed and witnessed. Family Room members cannot see it. You can delete will records from the will screen. | 17 Oct 2026 |
| Uploaded files | Files you upload for reading are deleted after each reading attempt. Saved Protect documents are kept until their retention date. | 17 Oct 2026 |
| Offline | If your phone is offline, an entry waits as pending. Pending is not saved. | 17 Oct 2026 |
| What you can record | Spending, bills, goals, loans and EMIs, accounts, investments and net worth (each with its date), insurance policies, tax facts and proof status. | 17 Oct 2026 |
| What is left | Kubear shows what is left this month, and today, after your bills and plan. Tap the number to see how it is worked out. | 17 Oct 2026 |
| Family Room | Personal records are private to you. Joining a Family Room does not share them. Members see only what you put in the Family Room. Roles: Owner, Can add, View only. Shared bills and splits show who owes whom. | 17 Oct 2026 |
| Paying a friend | "Pay a friend" opens your own UPI app. You send the money there, then record it. | 17 Oct 2026 |
| Reminders | Reminders for bills, EMIs, renewals and goal dates, for the ones you switch on. Quiet hours are available. | 17 Oct 2026 |
| Khazana | Kubear coins for small habits. Coins have no cash value and cannot be bought, sold or cashed out. | 17 Oct 2026 |
| App lock | Optional 6-digit PIN that hides Kubear on this device. | 17 Oct 2026 |
| Your data | Export your data from Settings. Delete your account from the app: 48-hour wait, you can cancel. Usage analytics are off unless you switch them on. Kubear does not sell data or use it for ads. | 17 Oct 2026 |
| Registered office | A-1001 Shyam Palace, VIP Road, Near Shrungar Residency, Athwalines, Surat City, Surat-395001, Gujarat, India. | 17 Oct 2026 |
| Company number | CIN U62099GJ2026PTC177330. | 17 Oct 2026 |
| Contact | hello@kuberos.in, +91 7874664514. | 17 Oct 2026 |
What Kubear does not do
- Kubear does not ask for your bank login.
- Kubear does not read your SMS inbox, contacts or call logs.
- Kubear never moves, holds or sends your money.
- Kubear does not give investment, insurance, tax, debt or legal advice, and does not pick products or give scores.
- Kubear does not show live prices, returns or market values.
- Kubear is not on the App Store. There is no iPhone app.
- Kubear does not file your tax.
- Kubear coins are not money and have no cash value.
Brand assets
- Kubear logo (SVG)
- Kubear logo for dark backgrounds (SVG)
- Kubear logo (PNG, 512 by 512)
- Share image (PNG)
Press and reviewers
Write to hello@kuberos.in. For the founder, see Sidharth Bothra.