India's most advanced RuPay Smart Card for teens

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Virtual & Physical Card

Virtual & Physical Card India’s most advanced RuPay Smart Card card for teens


Set Savings Goals & systematically work towards achieving those goals

Spend Analysis

Parents get a spend overview while kids get detailed analysis of individual transactions.


Daily Spend Alert, manage online transactions, block-unblock spends and many more.

Instant Transfers

Transfer money to the kid's Pencilton account within seconds. Anytime, anywhere.

Pencilton Tasks

Challenges that teach children important personal finance concepts.

Why Pencilton?

Peace of Mind for Parents

Pencilton is the most comfortable way for kids to receive their pocket money in an instant & monitor their Expenses as well as Savings.

Comfortable & Fun for Kids

Most comfortable way to receive pocket money. Our gamified learning inculcates healthy financial behavior while being fun & interactive.

Secure & Reliable

Categories unsuitable for kids are blocked, no cash withdrawal, instant spend block in case of card loss, all the data is encrypted to ensure privacy.

Kids' first step towards financial independence

Way better than a Child Bank Account

Parents can post Activities (E.g. Finishing Homework) which the Kids finish to earn more. Kids can view a detailed transaction-wise analysis of their Expenses. Hassle-free registration in less than a minute.

Pencilton Piggy Bank, Pencilton Tasks & Badges cultivate healthy financial habits in kids and sets them on the path for Financial Independence.

Choose your preferred PencilCard


Virtual Card

  • Activate instantly
  • Spend Summary & Piggy Bank
  • Savings Goals & Parent Tasks


Physical Card

  • Contactless RuPay Smart Card
  • Pay online & offline
  • Everything with the virtual card

Frequently Asked Questions

  • We have partnered with Transcorp International to issue PencilCards which are compliant with all RBI regulations & guidelines. So, the money with Pencilton is completely safe.

  • Anywhere across the whole country. It can be used everywhere a debit or a credit card can be used.

  • Any parent with an Aadhar Card & care enough about their child's future. Any teen or student who wants to have their own RuPay Smart Card can also order the PencilCard by completing the KYC using their parent's Aadhar or the Aadhar of any guardian who is older than 18 years.

  • An Aadhar Card (of anyone in the family who is above 18 years of age), a smarthpone & a mobile number.

  • 1-3 days. We're fast.

  • Not at all. You don't even need a facebook account.

  • PencilCards offer features not available with any Kids's Bank Account. These are custom made for parents (spend analysis, category-wise spen breakup, chores, etc) & kids (gamified learning, pencilton tasks, Piggy Bank, Savings Goals, etc.). It teaches kids the importance of money management. Also, it can be ordered within a few minutes through a hassle-free process.

  • You can visit the Card section of your Pencilton App & block the card temporarily with the click of a button immediately. You can unblock it if you find the card or you can block the card and get a new replacement card, in which case the the balance from the lost card is transferred to the new card you receive.

  • It has universal acceptance across India and RuPay cards extend great offers directly to the card user. You can check the thousands of partners RuPay has at offers. Our cards are Powered by RBL Bank, India's fastest growing bank. It's one of the most innovative services that has been entirely built indegenously in India and is more secure because your data stays within India.

  • As per RBI guidelines, the maximum balance balance that can be maintained on a Full KYC PencilCard is Rs. 2,00,000.

  • No and No.

About Us

Pencilton is an initiative of BITS Pilani, IIM & USC alumni. Since many years, we have been working on creating tools that will help parents teach valuable practical real life skills to their kids, especially related to financial literacy.

The Pencilton is a culmination of years of research & hardwork. Pencilton is incubated and supported by T-Hub (a Government of Telangana initiative), Wharton School of Business, IIM Kozhikode, Department of Science & Technology. Pencilton has also won Conquest after being named one of the most innovative startups in India. We have also been featured in the news through The News Minute & Eenadu, where we received great support for our first-of-its kind offering for kids & teens.