Delivery partners, cab and auto drivers, salon and shop staff, daily-wage workers — you earn every day, but no payslip says you are good for the money. With your permission, Bell AI reads the bank SMS on your phone and turns them into a clear picture of your money. Once that passbook shows a steady rhythm, we supply the medicines you need now — and you pay a little each day.
Money in
₹18,400
Money out
₹14,900
Balance
₹3,500
Payouts from every app you work for, every debit and every UPI payment — added up day by day. Every number can be traced back to the exact message it came from.
Full bill
₹840
You pay each day
₹28
You set up a UPI Autopay mandate once in your own UPI app, then ₹28 is deducted automatically each day until the bill is settled.
₹840 of medicines, paid back over 30 days. You see the full bill and the daily amount before you confirm — nothing is hidden, and nothing is added to the price. Illustration only.
India runs on daily earners. They work every day, but they have no payslip, no credit history and no file anywhere that says they are good for the money. So when illness arrives — and a chemist bill lands in a week that was already short — there is nowhere to turn, and the medicine gets postponed.
That is the problem Bell AI exists to fix. Your bank SMS already record every payout from every app you work for. We turn them into the record you were never given.
With your permission, and only your bank and transaction messages. For most of our users it is the first time their whole financial life has been visible in one place. This part is free.
Payouts from delivery and ride apps, UPI receipts, salary credits and refunds — added up day by day, across every app you work for.
Every debit, UPI payment, ATM withdrawal and card spend, in one place.
A nudge before you cross your safe amount for today.
Rent, recharge, school fee, your credit-card due date, EMIs and insurance premium — days before they are due.
“Kitna bacha hai?” — and get a clear answer, with the exact messages it came from.
Tap any figure in Bell AI and see the bank messages it was built from. Nothing is invented.
Reading your SMS is how the passbook exists at all, so we are precise about what happens to it.
Once your passbook shows a steady rhythm, Bell AI can do something a bank will not: let you take the medicines you need now and settle the bill over time. Bell AI supplies the medicines — we are the seller — and uses that same passbook to work out a small daily amount your own earnings support.
Photograph any doctor’s slip in the app — up to 8 pages. No typing, no forms.
Usually within 30 minutes you get an itemised bill: every medicine, every rupee.
The full bill and the daily amount, side by side, before you confirm. Nothing is hidden.
Approve it once inside your own UPI app. You see the maximum amount before you approve, and you can cancel it any time.
A small fixed amount is deducted automatically each day until the bill is settled. Miss a busy day and catch up later.
Your order page always shows what you took, what you paid, and what is left. Every payment builds your record with Bell AI — a payment history that people who earn daily are rarely given anywhere else.
Every rupee Bell AI collects is payment for physical goods we have supplied to a customer.
Tablets, capsules, syrups and inhalers, dispensed against a valid prescription.
Monthly refills for BP, diabetes, thyroid, asthma and cardiac medicines.
Everyday fever, cold, pain, acidity and first-aid medicines.
Vitamins, supplements, ORS, glucometer strips, masks and sanitisers.
Baby formula, diapers, skin care and everyday personal-care essentials.
BP monitors, glucometers, nebulisers, thermometers, bandages and dressings.
Prescription medicines are dispensed only against a valid prescription, verified by a registered pharmacist. We do not sell habit-forming or narcotic drugs through the app.
When you confirm a bill, you set up a UPI Autopay mandate — a standing payment instruction you approve inside your own UPI app, once. From then on the daily amount is deducted automatically through our RBI-regulated payment partner, Cashfree Payments, until the bill is settled. The deductions add up to your bill and stop the moment it is paid.
A worked example
Illustrative figures. Your bill is the price of the medicines actually supplied to you, shown item by item before you confirm.
Bell AI sells you the medicines and lets you pay for them over time. Bell AI is not a bank and not an NBFC, and Bell AI does not give money to users. No cash is ever paid out, and nothing can be withdrawn or transferred — you receive medicines, and nothing else. You pay no interest, and there are no recovery or collection agents. This is optional: the passbook, spending control and reminders work fully without it.
Built for people who earn daily, not monthly. Free to start.