Dhi Mantra

Mantra to enhance
yourself

Wisdom, intellect and understanding — repeated with purpose. We build learning experiences that turn financial and entrepreneurial literacy into something people actually want to play with.

Dhi Mantra mark
FINANCIAL LITERACY·ENTREPRENEURSHIP·GAMIFICATION·SIMULATIONS· FINANCIAL LITERACY·ENTREPRENEURSHIP·GAMIFICATION·SIMULATIONS·
What does it mean

Dhi Mantra

"Dhi" has many interpretations — it can be loosely translated to wisdom, intellect, understanding, mind, design, or imagination. Mantra is a chant that is repeated. Together, the two words carry a powerful meaning: expanding our wisdom and intellect.

Original thinking

We build learning experiences that don't already exist elsewhere, not repackaged advice.

Built for action

Every lesson is paired with a simulation or challenge you actually do, not just read.

Tuned to the person

Age, geography and life stage shape the content — not a one-size-fits-all course.

In development — India & UAE

Pluto

A story-driven, gamified curriculum that turns money — earning it, growing it, protecting it — into something a teenager actually wants to keep coming back to. Native mobile app, built for ages 12–18.

Pluto is currently in development. More modules, simulations and features will be added as we build towards launch.
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Pluto app icon
10Modules
60+Lessons
12–18Age range
₹ / AEDLocal currency & context
Tuned by age

12 and 18 don't learn money the same way

Bracket 1

Simplified numbers

Round percentages and clean amounts, so the concept lands before the arithmetic gets in the way.

Bracket 2

Baseline difficulty

Real-world numbers and multi-step calculations — the full complexity of each concept, as written.

Bracket 3

Extended rigor

Same rigor as the baseline, extended to keep older teens engaged right up to real financial decisions.

The curriculum

Ten modules, one continuous journey

🌱 Earn, Save & Grow 💼 Work & Money 🧮 Money Management 🏦 Borrowing 📈 Investment 🏢 Business 🚀 Startup School 🌐 Crypto Decoded 🤝 Money & Relationships 🛡️ Protect What's Yours
🤖
AI mentor, Sparky

Answers questions in context of the lesson, without giving investment advice.

🎮
Real simulations

A practice bank, investing, inflation and spending sandboxes — not just quizzes.

🎓
Certificates & badges

Shareable certificates and a rank ladder that tracks progress over time.

In development — India & UAE

Pluto for Women

A structured financial education program built specifically for women — paced like a real course, with a beginning, middle and certificate at the end, not an open-ended app to browse.

🇮🇳 India 🇦🇪 UAE · Indian diaspora

Pluto for Women is currently in development. More modules and features will be added as we build towards launch.

7–10Modules by region
46+Lessons
3Life contexts covered
₹ / AEDLocal currency & context
Built for real, different lives

One program, three starting points

Context 1

Salaried / employed

Fixed income, may not be actively managing it. "You earn it — are you deciding where it goes?"

Context 2

Homemaker

Controls household spending with no direct income — managing a household budget is real financial work, and those skills translate directly.

Context 3

Self-employed / freelance

Variable, irregular income — needs a different approach to saving: smoothing the bumps before they smooth you.

The curriculum

A structured program, tuned by region

🌱 Earn, Save & Grow 💼 Work, Income & Tax 🧮 Money Management 🏦 Borrowing Money 📈 Investment 🤝 Money & Relationships 🛡️ Protect What's Yours

The UAE program extends this into a 10-module course, adding Household Financial Planning, Financial Independence & Life Planning, and World of Crypto.

💬
A peer coach, not a lecturer

One warm, single-voice coach talks through every lesson as a peer — never a classroom setup.

🧭
Real practice sandbox

A practice bank and a real budgeting simulation turn every module into practice, not just reading.

🎓
A certificate, not a badge

Structure and milestones over streaks or leaderboards — a real certificate at the end of the program.