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Yojna™ knows your situation. Then it does the work.

Your personal AI companion: a real plan for your money, work and life. Type it, say it, or call it.

  • Remembers you
  • Checks things for you
  • Comes back later
Start with YojnaWhat it does

Sign-up and your preview cost nothing; conversations need a paid plan. On the web today; phone apps are coming.

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Yojna
Message Yojna…

Yojna does the ordinary things any assistant does. The difference is that it knows you.

Three ordinary days.

  1. What you said

    Rent is due on the 5th and my salary is late again.

    What it remembered
    Your landlord’s name, and that this happened in June too.
    What it did
    Drafted a message to your landlord, then came back to ask whether the salary had come.
  2. What you said

    Here is the electricity bill — it is due on the 12th. Remind me before that.

    What it remembered
    The amount, read from the photo, and the due date.
    What it did
    Set the reminder, sent it in the chat before the due date, then asked if it was paid.
  3. What you said

    My father has a disability certificate. Is there a pension?

    What it remembered
    Your state, and that his certificate is already in your documents.
    What it did
    Found a scheme with its official page, listed the papers, and followed up after you applied.

What it does for you

  • Find what can help

    Benefits, jobs, scholarships, grants and services that fit your situation.

    A scheme, with its official page

  • Know what to do next

    One plan, ordered by urgency and by what you actually qualify for.

  • Get difficult work done

    Documents, applications, reminders, follow-up — everything up to the submit button, which stays yours.

  • Build continuity over time

    It remembers decisions, deadlines and progress. You never start from a blank page.

    What Yojna knows about me

Everything it does.

Eight areas. All of it comes with a paid plan.

  • It knows your situation.

    You never explain your life twice.

    • It knows your situation before you type.
    • It remembers what you already ruled out.
    • Your own timeline of what actually happened.
    • Switch off whole areas it may remember.
    2 moreShow all
    • It recalls what you told it, in any language.
    • Change a detail and your steps change too.

  • Ask it anything.

    Money, papers, work — one conversation.

    • Ask anything; it answers knowing your situation.
    • Photograph a letter and ask what it means.
    • Ask something hard; it goes and finds out. deep research is on Pro and Platinum
    • Ask for a picture; it makes one.
    3 moreShow all
    • Send a PDF and ask what it means.
    • Pick a quick answer or a deeper one. the deeper one on Pro and above
    • Every conversation names itself; search them all.

  • It does the work.

    It writes, calculates and prepares, not just advises.

    • It writes the letter, ready to send.
    • It does the maths on your actual numbers.
    • Big decisions laid out side by side.
    • Dates you agree land in your calendar.
    • Watch it work, and answer it mid-run.

  • Goals that become steps.

    Debt, income, career — and anything you name.

    • Five areas ready: debt, income, career, stability, opportunity.
    • Add your own goal; it becomes real steps.
    • Your three numbers, up front.
    • Steps you tick off, with real due dates.
    • It revisits a stuck goal without you asking.

  • Papers and what you can claim.

    Checked against your facts, not guessed.

    • It tells you which papers you’re missing.
    • It checks live sources while you wait.
    • It filters out the pay-to-apply scams.
    • It prepares your application; you submit it.
    2 moreShow all
    • It warns you before your papers expire. when the paper carries a printed expiry date
    • Track everything you applied for, in one list.
    How it checks what it finds

  • It keeps watch.

    Dates chased, loose ends followed.

    • Open it and see what needs you today.
    • Say remind me; it actually reminds you.
    • A weekly review of what moved and slipped.
    • After a rejection it shows what’s still open.
    • Pick your topics, get a daily briefing. when you ask for it

  • When you’d rather just talk.

    Some things are easier said than typed.

    Voice calls and reading aloud come with Pro and Platinum.

    • Say it out loud instead of typing. where your phone supports speech
    • Call it and talk, out loud.
    • Pick the voice you prefer.
    • Answers read aloud in your language.
    • Everything said in a call stays in chat.

  • Your language, your data, your control.

    You decide what it knows and what you pay.

    • Use it in your own language, properly.
    • Sign in with your number. No password.
    • See what you’ve used and what’s left.
    • In a crisis it gives real helplines.
    3 moreShow all
    • Set it up for a parent, honestly. the account and the code stay theirs
    • Switch off being measured, wherever you live.
    • Built for screen readers and big text.

What you actually use.

Talking with Yojna, on a call
The conversation
What Yojna knows about me
Your next steps, in the conversation
Your documents
A scheme, with its official page

१ / ६ — Talking with Yojna, on a call

It remembers you — and you stay in control.

You can see everything it remembers, correct it, or tell it to forget.

What you told it · What Yojna worked out

Encrypted in transit, never sold, never shared with advertisers. Delete your account and your personal data from inside the app.

Your data rights

The models inside Yojna.

Yojna’s own in-house AI models. Not for the public — not sold, not licensed, no API. They exist only inside Yojna.

  • Yojna 1.0

    For everyday answers.

    • Reads your situation and what is urgent in it.
    • Finds options it can source, and says when one is unverified.
    • Writes the plan and updates it when your facts change.

  • Yojna 1.0 Pro

    For the harder questions.

    • Money maths, comparisons, questions with several parts.
    • Slower — it thinks harder before it answers.
    • The deeper answers on Pro and Platinum come from here.

Why the next word does not decide.

A language model predicts the next word. It does not know whether the sentence is true, and it does not know you. Yojna does not let the next word decide your life.

  • A memory you can see and correct.
  • Rules decide eligibility — never the model.
  • A catalogue checked against official pages, and marked where a check is still pending.
  • Next steps worked out from your facts.
  • Safety rules: nothing happens in your name until you confirm.

What is next

Next: models we train ourselves on the work of understanding real situations. That is where this is going, not where it is today.

How the AI works

How it checks what it finds.

  • Each one shows its official page, or says there is none yet.
  • You open the original page yourself.
  • When something is uncertain, it says so.

Divyang Pension Scheme

Social Welfare Department · Uttarakhand

Verification: ✓

Monthly pension

Source
myscheme.gov.inOfficial
Link last checked
Sep 1, 2026
Eligibility
You may qualify — Yojna cannot check this one for you yet.
Deadline
None recorded
Documents it asks for
  • Disability Certificate
  • Aadhaar
  • Bank Passbook
Open the official page

Where Yojna works today.

Available means you can sign in and use Yojna here today.

Where Yojna works today.
CountryStatusWhat is still coming
IndiaINAvailable
0 more countries being enabled · 29 not yet availableShow all countries
  • Australia AUNot yet available
  • Bangladesh BDNot yet available
  • Brazil BRNot yet available
  • Canada CANot yet available
  • China CNNot yet available
  • France FRNot yet available
  • Germany DENot yet available
  • Indonesia IDNot yet available
  • Ireland IENot yet available
  • Japan JPNot yet available
  • Kenya KENot yet available
  • Kuwait KWNot yet available
  • Malaysia MYNot yet available
  • Mexico MXNot yet available
  • Nepal NPNot yet available
  • Netherlands NLNot yet available
  • New Zealand NZNot yet available
  • Nigeria NGNot yet available
  • Oman OMNot yet available
  • Pakistan PKNot yet available
  • Philippines PHNot yet available
  • Qatar QANot yet available
  • Saudi Arabia SANot yet available
  • Singapore SGNot yet available
  • South Africa ZANot yet available
  • Sri Lanka LKNot yet available
  • United Arab Emirates AENot yet available
  • United Kingdom GBNot yet available
  • United States USNot yet available
Available
Sign in and use Yojna here today.
Limited — sign-in pending
Phone sign-in is still being enabled.
Not yet available
Not available here yet.

This page is in English for now. In the app, English and Hindi are complete.

Coverage as of

See every country

What Yojna is, and is not.

A private company
YOJNA Cognitive Technologies Private Limited builds Yojna. It is not a government service.
Official pages have the last word
Every option links to its official page where one exists; if they disagree, the official page is right.
You control your information
See it, correct it, forget it — from inside the app.
Some things need your check
Eligibility can depend on details only you know; Yojna says so.
Your data
  • We never sell your data.
  • No ads. No advertisers. No data brokers.
  • Encrypted in transit.
  • Your account data is stored in India.
  • Download your data or delete your account, in-app, instantly.

Why we build this

Built by a small team in Maharashtra, India.

About the company

Your preview costs nothing. Pay when it is useful.

Before you pay, Yojna learns your situation and shows you a preview. After that there are three paid plans and no free one.

  • Starter

    ₹499

    + 18% GST = ₹589 a month

    or ₹5,389 + GST = ₹6,359 a year, 10% off twelve months

    Who it is for

    Solve one problem. One person, one situation.

    What is included
    • 1 plan open at a time
    • CV builder and documents vault
    Usage
    • 1,250 tokens a month
    • Up to 30 chat turns a day
    • 2 fresh contact searches a month
    Continue with Starter

  • Pro

    Recommended

    ₹999

    + 18% GST = ₹1,179 a month

    or ₹10,789 + GST = ₹12,731 a year, 10% off twelve months

    Who it is for

    Run your life. Money, work and paperwork moving at once, with voice calls and deeper research.

    Money and career questions need the deeper answers.

    What is included
    • As many plans as you need
    • Deep research mode
    • Evidence briefings
    • Voice calls with Yojna, 60 minutes a month
    • CV builder and documents vault
    Usage
    • 2,500 tokens a month
    • Up to 100 chat turns a day
    • 8 fresh contact searches a month
    Continue with Pro

  • Platinum

    ₹1,299

    + 18% GST = ₹1,533 a month

    or ₹14,029 + GST = ₹16,554 a year, 10% off twelve months

    Who it is for

    Yojna by your side. Everything in Pro, with live video and priority replies.

    What is included
    • As many plans as you need
    • Deep research mode
    • Evidence briefings
    • Voice calls with Yojna, 120 minutes a month
    • Live video companion, 20 minutes a month
    • Priority replies
    • CV builder and documents vault
    Usage
    • 3,250 tokens a month
    • Up to 200 chat turns a day
    • 15 fresh contact searches a month
    Continue with Platinum

How billing works

Prices are shown before GST. 18% GST is added at payment and is never inside the price.

Plans renew automatically, every month or every year as you chose, until you cancel. On the web, Razorpay Autopay takes the payment. On iPhone and Android, the App Store or Google Play does, and you cancel in your store account.

Yearly is twelve months less 10%, plus GST, paid once a year. Your tokens still arrive month by month.

Every plan includes a monthly token budget. Tokens are what chat, voice and searches spend, and they do not roll over. If you run out, you can top up with a pack of 1,000 tokens, ₹249 + GST on the web (the store shows its own price in the app), up to 3 a month.

Plans are sold in India today, in rupees.

Covered by our refund policy.

Refund policy

Share Yojna with your audience.

The Yojna Creator Programme is for people who help others with everyday life, money and work.

Learn how it works, who it is for, and what is open today.

Learn more

You don’t need to have everything figured out.

Tell Yojna what is happening. It remembers, checks, and comes back.

Start with Yojna