How lit.money Helped Me Track an Unexpected Charge & Fix a Banking Mistake (My Real Story)

Here's what happened:

I got that SMS from my bank. “Your e-mandate of ₹828 will be debited for ‘Nachiketas Publishers IND PVT LTD.’”

Problem? I’d never heard of “Nachiketas Publishers.” 🤨

My wife and I spent 20 minutes Googling, scratching our heads. Was this a scam? A mistake? The panic was real.

I tried checking my bank’s website for mandate details. But guess what? Their platform is stuck in 2005. It only shows mandates linked to cards, not UPI. Also only a poorly looking website!

Next step: call the bank. But of course, it was a public holiday. Classic.

Then I remembered: lit.money exists for exactly this chaos.

I logged in, searched for past transactions around ₹828. Found one! But it was for Zoho’s ZeptoMail—a tool I use for my business. Huh?

Confusion doubled. Until I checked my UPI app’s active mandates. There it was: a mandate for Zoho, not “Nachiketas Publishers.”

Turns out, the bank/UPI system had slapped the wrong merchant name on the alert. 

But thanks to lit.money & my UPI app (Google Pay):

1️⃣ I tracked the transaction history instantly.

2️⃣ Cross-checked UPI mandates.

3️⃣ Avoided a pointless argument with the bank.

Here’s the truth: Finance apps and banks still don’t talk to each other. Mandates are messy. Names get scrambled. And when you’re stressed, you need answers—not more chaos.

That’s why I’m building lit.money. To cut through the noise. To show you your money story in one place. No jargon, no scammy interfaces. Just clarity.

Takeaways for you:

- Always check UPI mandates directly in your UPI app.

- Use tools like lit.money to connect dots banks can’t (or won’t).

- Assume the system is broken. Prepare accordingly.

Stay safe out there.

P.S. Tired of money mysteries? We’re fixing this.

Simple words. Real stories. No fluff. That’s the lit.money way. ✌️