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. āYour e-mandate of ā¹828 will be debited for āNachiketas Publishers IND PVT LTD.āā
Problem? Iād never heard of āNachiketas Publishers.ā š¤Ø
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 bankās 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 ā¹828. Found one! But it was for Zohoās ZeptoMailāa tool I use for my business. Huh?
Confusion doubled. Until I checked my UPI appās active mandates. There it was: a mandate for Zoho, not āNachiketas Publishers.ā
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):
1ļøā£ I tracked the transaction history instantly.
2ļøā£ Cross-checked UPI mandates.
3ļøā£ Avoided a pointless argument with the bank.
Hereās the truth: Finance apps and banks still donāt talk to each other. Mandates are messy. Names get scrambled. And when youāre stressed, you need answersānot more chaos.
Thatās why Iām 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 canāt (or wonāt).
- Assume the system is broken. Prepare accordingly.
Stay safe out there.
P.S. Tired of money mysteries? Weāre fixing this.
Simple words. Real stories. No fluff. Thatās the lit.money way. āļø
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š Hi, Iām Mihir! Iām passionate about creating things on the internet, spending quality time with my family, and, of course, hanging out with my cats. Right now, Iām focused on building lit.money, a personal project close to my heart. Iām also the founder of Green, where I develop tech solutions for founders and businesses to help keep the lights on (and pay my bills).