Payment and Expense Management for Elderly Parents
Payment and expense management means Pranyaas handles your parents’ bills and routine money errands for them. Utilities, rent, society maintenance, insurance premiums and recurring dues are paid on time, trips to the bank and the paperwork that goes with them are done for them, and you see every bill, payment and receipt. Available in Mumbai, Pune and Navi Mumbai.
Take the bills off them
Tell us where your parents live and we will call you back at a time that suits your time zone.
Why this matters
Paying a bill used to mean walking to an office. Now it means an app, a one time password, a payment gateway that times out and a helpline that puts you on hold. For a lot of older people that shift happened faster than anyone helped them with it.
So things slip. A premium lapses. The electricity bill is paid twice. A long queue at the bank gets put off for another month. And because your parents do not want to sound like they are struggling, the first you hear about it is usually when something has already gone wrong.
The money is rarely the problem. The admin is. This service takes that admin off your parents without taking their independence with it, and shows you the whole picture from wherever you are.
What this changes at home
Bills are paid on the due date, every monthNo more queuing at a bank or a utility officeA receipt for every payment, shared with youSomeone checks before money moves, so pressure calls failYour parents still approve and stay in controlWhat is included
Five parts, handled by your Care Manager and recorded so that you can see everything from another country.
The monthly bills
Everything that arrives on a cycle and causes a problem the month it is missed.
Bank and office errands
The trips that are tiring, slow and increasingly hard to do in person.
Full visibility for the family
The point is not only that bills get paid. It is that you can see that they did.
Protection from fraud and pressure
Older people living alone are a target, and the pressure usually arrives by phone.
Their independence left intact
This is discreet support, not someone taking over your parents’ money.
Pranyaas vs asking a relative or neighbour
Most families solve this informally first, with a cousin in the same city or a helpful neighbour. It works until it does not, and the reasons it stops working are always the same.
| WITH PRANYAAS | A RELATIVE OR NEIGHBOUR | |
|---|---|---|
| Who does it | A background verified Care Manager on our payroll | Someone doing a favour, when they have time |
| When it happens | On the due date, every month | When they remember, or when reminded |
| What you see | Bills, payments and receipts recorded for you | A verbal update, if you ask for one |
| If something goes wrong | A company that is accountable to you | A conversation nobody in the family wants to have |
| Fraud and pressure calls | Checked by someone trained to spot them | Depends entirely on who is helping |
| The relationship | A professional arrangement with clear limits | A favour that slowly becomes an obligation |
If your parents are managing their own payments comfortably, leave it alone. This service is for the point where the admin has started to cost them more than it is worth.
Who handles your parents’ money
This is the service where trust matters most, so it is worth being specific about who does the work and how it is recorded.
Your Care Manager
A direct Pranyaas employee, never outsourced to an agency. Background verified, medically assessed and character checked. The same person your parents already know from their regular visits.
Meet the teamThe administration desk
Payments and paperwork are supported by our administration team, headed by Komal Khaire, who has been with Pranyaas since 2018, so nothing depends on one person remembering a date.
How it is recorded
Every payment is made against an actual bill, every receipt is shared with you, and the arrangement itself, including what your parents want us to handle and what they do not, is agreed with both of you at the start.
The people behind it
Pranyaas is led by co founders Smita Jadhav, who has over 12 years in the healthcare sector, and Shweta Jadhav. The company has over 10 years in elder care and has supported more than 3,000 families.
Read our storyHow it works
Setup can be done entirely remotely. A Care Manager is assigned with the first home visit within 48 hours of subscribing.
We list every recurring payment
Your Care Manager sits with your parents and lists what goes out each month, when it is due and how it is currently paid, including the things they have been quietly struggling with.
We agree what we handle
You and your parents decide together what we take over and what they keep doing themselves. The due dates go on a calendar and the arrangement is written down rather than assumed.
We pay, record and report
Bills are paid on the due date, receipts are shared with you, errands to the bank are run as needed, and you get a monthly record of what was spent and on what.
Why choose Pranyaas
Paying a bill is easy. Doing it on time every month, for parents in another city, with a record you can check, is the part families cannot keep up.
Due dates are never missed
A tracked calendar rather than a reminder. A lapsed insurance premium or a disconnected utility costs far more to fix than it does to prevent.
A receipt for everything
Every payment is made against a real bill and the receipt comes to you. You are never asked to take anyone’s word for what was spent.
Your parents stay in control
They approve what is paid and keep doing whatever they still want to do themselves. Help with admin should not read as losing their independence.
A filter against fraud
Someone trained stands between your parents and the cold calls, the urgent payment requests and the agents at the door. Nothing moves without a bill behind it.
One team, one record
The people handling the bills are the same ones holding their medical records and insurance policies, so a premium, a hospital bill and a claim never sit with three different people.
We will tell you if they do not need it
If your parents are managing their own payments perfectly well, we will say so rather than sell you a service to solve a problem they do not have.
Which plans include this
Payment and expense management is included from the Standard plan at Rs 7,999 a month, which carries four home visits, because bank errands and paperwork need someone physically going. Every plan is billed monthly with no lock in.
Care Connect
Rs 199 / monthNot includedEssential
Rs 3,500 / monthNot includedStandard
Rs 7,999 / monthFull payment and expense managementPremium
Rs 14,999 / monthFull payment and expense managementThe plan fee covers your Care Manager and the work of managing the payments. The bills themselves are your parents’ own, paid against the actual bill, with receipts shared with you.
Compare all plansWhat families say
Every morning and evening the Pranyaas Care Manager calls me, asking what they can do for me and whether I have any work that needs to be done.
Living abroad, I always worried about my parents in Pune. Pranyaas takes care of their daily needs, doctor visits, and even small joys like outings and birthdays.
Families in Mumbai, Pune and Navi Mumbai, with children in the US, the UK, Canada, Singapore and across India.
Read more family storiesFrequently asked questions
Ask us anything before you subscribe. The consultation is free and takes about ten minutes.
Call us 24/7What is payment and expense management for elderly parents?
It is the handling of your parents’ routine bills and money errands by their Care Manager. That covers utilities, phone and internet, rent, society maintenance, property tax, insurance premiums and other recurring dues paid on the due date, visits to the bank and the paperwork that goes with them, and a record of every bill, payment and receipt that you can see from wherever you live.
Do you take control of my parents’ bank account?
No. What we handle and what your parents keep doing themselves is agreed with both of you at the start and written down, not assumed. Payments are made against an actual bill, your parents approve what is being paid, and the receipt comes to you. If you want the arrangement narrowed to two or three bills, that is a perfectly normal way to start.
How do I see what has been spent?
You get the transaction history, the upcoming bills and a receipt for every payment, plus a monthly record of what went out and on what. If something looks wrong, you ask the Care Manager who made the payment rather than a call centre.
What if a bill is wrong or disputed?
It is raised with you before it is paid. Your Care Manager then takes the dispute up with the provider in person where that is what it needs, which is usually faster than doing it over email from another country.
Can you help with pension paperwork, KYC and bank visits?
Yes. Bank visits, passbook updates, form submissions, document collection and pension related paperwork are part of the service, and the travel involved is handled by us. These are the errands that have become hardest for older people to do in person, and they are a large part of why families ask for this.
How does this protect my parents from fraud?
Someone trained sits between your parents and anyone asking them for money. Cold calls, urgent payment requests and agents at the door are handled for them, unusual requests are flagged to you before anything moves, and nothing is paid without a real bill behind it. Older people living alone are specifically targeted, and a person who checks is the most effective protection there is.
Will my parents feel we have taken over their money?
That is the most common worry, and the service is built around it. Support is scaled to exactly what they want help with, they approve what is paid, and anything they still want to do themselves stays theirs. It is handled quietly, as help with admin rather than a loss of control.
Which cities is this available in, and can I set it up from abroad?
Our teams work on the ground in Mumbai, Pune and Navi Mumbai, which is where the bank visits and paperwork errands happen in person. Setup takes about ten minutes and can be done entirely remotely, which is how most families living abroad start.
Related services
Insurance assistance
Policies read, renewals tracked and the claim handled at the hospital.
View this serviceEmergency fund assistance
A reserve so a hospital deposit is never waiting on a transfer from abroad.
View this serviceCompanion care
Company, personal care, meals and household help in their own home.
View this serviceAvailable where our teams work on the ground: Mumbai, Pune and Navi Mumbai. Living abroad? See elder care for NRI families.
Take the monthly admin off your parents
Tell us what they are currently juggling and we will suggest what is worth handing over and what is better left with them. No lock in, and a Care Manager is assigned with the first home visit within 48 hours.
Free consultation, about ten minutes, no obligation.
Certified caregivers and dedicated Care Managers who look after your parents at home in India, while you are away.