UPI bill-split for friends
Groups lose track of shared spends; settle up in one tap through UPI
North Star: % of groups settled within 7 daysHow top product managers frame a PRD, a free template, and 120 ideas across 15 industries you can turn into a full PRD with AI in one click.
What each section should answer, with a worked example (SplitKaro, a UPI bill-split app).
| Section | What to write | Example |
|---|---|---|
| 1. Overview | Product name, owner, status, last updated, one-line summary and links (designs, research, tickets). | SplitKaro v1 · Owner: PM · Status: Draft · Split and settle group expenses in one tap through UPI. |
| 2. Problem statement | Who has the problem, how often, how painful, evidence (data, interviews), why now. | 62% of 40 interviewed students track shared spends on WhatsApp; 1 in 3 groups never fully settles. |
| 3. Goals and non-goals | Business and user goals with targets; what you will NOT do in this release. | Goal: 50k MAU in 6 months. Non-goal: lending or credit in v1. |
| 4. Users and personas | 2–3 personas with context, goals and pain points; jobs-to-be-done. | Riya, 20, hostel student: 'When we order food together, I want to split instantly so no one feels awkward.' |
| 5. User journeys and stories | Key flows and user stories with priority (P0/P1/P2) and acceptance criteria. | P0: As a group member, I want to add an expense in 3 taps so that everyone sees what they owe. |
| 6. Requirements | Functional requirements (ID, description, priority, acceptance criteria) and non-functional (performance, security, privacy, accessibility). | F-04: Settle via UPI intent; AC: payment status updates within 5 seconds. |
| 7. Design and UX | Wireframes or Figma links, key screens, edge cases, empty and error states. | Empty state: 'Add your first expense' with a sample group. |
| 8. AI / data (if any) | Model or rules, data needed, evaluation, guardrails, human fallback, cost per request. | Receipt OCR: 95% amount accuracy on a 500-receipt test set; manual edit always allowed. |
| 9. Success metrics | North Star, input metrics, guardrail metrics with baseline and target. | North Star: groups settled in 7 days. Guardrail: payment failure rate < 1%. |
| 10. Launch plan | MVP scope, phases, experiment design, rollout %, marketing and support readiness. | Beta in 3 colleges → 10% rollout → full launch; A/B test reminder timing. |
| 11. Risks and dependencies | Technical, legal, operational risks with mitigations; teams and vendors you depend on. | Dependency: UPI partner bank. Risk: DPDP consent for contacts; mitigation: explicit opt-in. |
| 12. Open questions and timeline | Decisions still needed, owners, dates; milestones. | Q: Charge a convenience fee? Owner: PM, decide by sprint 3. |
Use this order of thinking before you write a single requirement.
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Groups lose track of shared spends; settle up in one tap through UPI
North Star: % of groups settled within 7 daysFirst-time borrowers don't know why their CIBIL score is low; give a personalised 90-day plan
North Star: Avg. score improvement in 6 monthsYoung earners start SIPs but stop after 3 months; smart reminders and goal tracking
North Star: SIP continuation at month 12Small shops need working capital; offer instant loans based on QR collections
North Star: Loan approval rate at <2% defaultPeople can't see where salary goes; read SMS/UPI and auto-tag spends
North Star: Weekly active users who view insightsRound up each UPI spend and invest the change in digital gold
North Star: Monthly invested amount per userParents manage many accounts and policies; one shared view for the family
North Star: Families with 3+ linked accountsUsers get scam calls asking for OTPs; warn in real time during payment
North Star: Fraud loss per 1,000 users30% of fashion orders are returned for size; recommend the right size
North Star: Size-related return rateTier-3 shoppers struggle to type; search and order by voice in Hindi/Tamil
North Star: Voice-search conversion ratePrice-sensitive buyers want discounts; buy together with friends to unlock lower prices
North Star: Orders per group link sharedReturns fail because no one is home; let customers pick 1-hour pickup slots
North Star: First-attempt pickup successShoppers can't find answers in long product pages; AI answers from specs and reviews
North Star: Add-to-cart after Q&AUsers wait for sales; alert them when wishlist items drop in price
North Star: Wishlist-to-order conversionDelivery fees put off small orders; buy online, pick up at a nearby store
North Star: Share of orders picked up in storeSmall sellers write poor listings; generate titles, photos tips and descriptions with AI
North Star: Listings live within 24 hoursUrgent medicines are hard to find at night; partner pharmacies with dark stores
North Star: Orders delivered under 15 minutesOffice workers eat unhealthy; weekly healthy plans with fixed delivery slots
North Star: Subscriber retention at week 8Teams order separately and pay more delivery; one cart for the whole office
North Star: Avg. order value of group ordersRestaurants throw away surplus food; sell surprise bags at closing time
North Star: Kg of food saved per weekUsers reorder the same groceries weekly; predict and pre-fill the basket
North Star: Repeat-order time to checkoutPeople with diabetes or allergies can't filter menus; tag dishes by diet
North Star: Orders using diet filtersRiders don't know the best hours to work; show demand forecasts and earnings goals
North Star: Rider weekly earningsDiners wait 30 minutes for food; pre-order with the table booking
North Star: Avg. table turn timeWomen feel unsafe in late-night rides; live trip sharing, verified drivers and SOS
North Star: Night rides by women usersTravellers don't know if a waitlisted ticket will confirm; predict confirmation chance
North Star: Bookings using the predictorMetro + auto + bus trips are hard to plan and pay; one route, one ticket
North Star: Trips with 2+ modesEV owners fear running out of charge; live charger availability and booking
North Star: Successful charging sessionsApplicants get rejected for missing documents; personalised checklist and reminders
North Star: First-time visa approval rateParents don't know when the school bus will arrive; live tracking and alerts
North Star: Daily active parentsFamilies overspend on trips; plan, book and track one holiday budget
North Star: Trips completed within budgetFlyers miss flights or wait hours; predict security queue times
North Star: Users arriving in the recommended windowSpecialists are far away; video consults with local pharmacy support
North Star: Consults completed per weekSeniors miss doses; reminders with family alerts
North Star: Dose adherence %Patients can't understand lab reports; AI explains results in simple language
North Star: Reports viewed with explanationFamilies call many hospitals in emergencies; live bed and ICU availability
North Star: Time to find a bedStudents hide stress; anonymous mood check-ins with counsellor booking
North Star: Weekly check-in rateFirst-time mothers miss tests and vaccines; week-by-week plan and reminders
North Star: Scheduled tests completedEmployees don't stay active; team step and sleep challenges
North Star: Monthly active participantsClaims are slow and opaque; track status and missing documents
North Star: Claim settlement timeStudents wait days for doubt clearing; instant step-by-step answers from a photo
North Star: Doubts resolved without a teacherJob seekers lack speaking confidence; daily speaking practice with feedback
North Star: 7-day speaking streak rateParents don't know how children are doing; weekly simple progress report
North Star: Parent report open rateOnline learners drop out alone; study groups and peer deadlines
North Star: Course completion rateStudents cram late; adaptive revision plan till exam day
North Star: Planned sessions completedTeachers spend hours on lesson plans; generate plans by syllabus and class
North Star: Plans used in classCourse graduates can't find jobs; match skills to openings and gaps
North Star: Interviews per learnerRural learners lose connectivity; download lessons and sync progress
North Star: Lessons completed offlineSMEs chase payments manually; automatic WhatsApp and email reminders
North Star: Days sales outstanding (DSO)B2B customers need sales calls to start; guided setup in 15 minutes
North Star: Time to first valueFlat plans lose big customers; bill on usage with clear forecasts
North Star: Net revenue retentionAccount managers learn about churn too late; score accounts on usage and tickets
North Star: Churn of at-risk accounts savedEnterprises can't adopt without permission controls; roles, SSO and audit logs
North Star: Enterprise deals unblockedTeams collect feedback in spreadsheets; capture, tag and route feedback in-app
North Star: Feedback items linked to roadmapSmall companies track leave in Excel; mobile attendance and approvals
North Star: Monthly active employeesReps spend 30 minutes on notes; AI summarises calls into the CRM
North Star: CRM notes completenessAgents spend minutes searching docs; AI drafts replies from the knowledge base
North Star: Avg. handling timeLegal teams review standard contracts slowly; AI flags risky clauses
North Star: Contracts reviewed per lawyerAction items get lost after meetings; AI extracts owners and deadlines
North Star: Action items closed on timeFreshers write weak resumes; AI tailors resumes to job descriptions
North Star: Shortlist rateClinics miss calls; an AI voice agent books and reschedules
North Star: Calls handled without staffEmployees can't find policies; chat with company documents with citations
North Star: Answer accuracy & deflected ticketsCatalogues have thin descriptions; generate SEO-friendly copy in many languages
North Star: Organic traffic to product pagesPull requests wait days for review; AI reviews for bugs and style first
North Star: PR cycle timeCreators edit on phones with poor tools; one-tap captions, music and effects
North Star: Videos posted per creatorFans watch cricket alone; synced streams with friends and chat
North Star: Watch-party minutesListeners skip long episodes; AI chapters and 60-second highlights
North Star: Episode completionCreators rely on brand deals; monthly fan subscriptions with exclusive content
North Star: Paying fans per creatorParents worry about content; curated, time-limited kids profile
North Star: Parent-enabled profilesLocal groups organise on WhatsApp; create events, RSVPs and reminders
North Star: Events with 10+ attendeesReaders see one-sided news; show multiple sources for each story
North Star: Stories read with 2+ sourcesRegional music is hard to discover; personalised regional playlists
North Star: New artists followedFake listings waste renters' time; verify owners and photos
North Star: Listing-to-visit ratioTenants want rewards and float; pay rent by card
North Star: Monthly rent volumeFinding reliable plumbers is hard; vetted pros with fixed prices
North Star: Repeat booking rateHousing societies run on paper; visitor entry, dues and complaints in one app
North Star: Dues collected on timeBuyers don't know their budget; instant eligibility from income and EMIs
North Star: Pre-approved leadsBuyers can't imagine furniture; AR room planner
North Star: Design-to-order conversionBuyers fear delays; monthly photo and milestone updates
North Star: Buyer NPSYoung professionals struggle to find compatible flatmates; match by habits and budget
North Star: Successful matchesFarmers lose crops to late diagnosis; photo-based disease detection and advice
North Star: Yield loss avoidedFarmers sell below market rate; daily nearby mandi prices
North Star: Price realised vs mandi averageSmall farmers can't buy tractors; rent equipment by the hour
North Star: Equipment utilisationOver-watering wastes water; daily irrigation advice from forecasts
North Star: Water saved per acreFarmers depend on moneylenders; crop loans and insurance in one flow
North Star: Loans disbursedVillages lack online access; assisted buying through local agents
North Star: Orders per agentMilk collection is recorded on paper; digital records and payments
North Star: Payment delaysFarmers don't use soil test results; simple fertiliser plans
North Star: Farmers following the planTrucks return empty; match loads for the return trip
North Star: Empty kilometresDelivery staff take inefficient routes; optimise daily routes
North Star: Deliveries per hourPickers walk too much; guide the shortest pick path
North Star: Orders picked per hourCustomers call to ask where orders are; accurate live ETAs
North Star: Where-is-my-order callsVaccines and food spoil in transit; temperature sensors with alerts
North Star: Spoilage rateProcurement onboards suppliers by email; self-serve documents and KYC
North Star: Supplier onboarding timeShops run out of fast-moving items; predict and suggest reorders
North Star: Stock-out daysDisputes over deliveries; photo, OTP and signature proof
North Star: Delivery disputesWorkers find jobs only by word of mouth; nearby jobs in local language
North Star: Hires per monthRecruiters spend hours scheduling; self-serve slots synced with calendars
North Star: Time to scheduleNew joiners feel lost; day-1 to day-90 checklist and buddy
North Star: 90-day retentionEmployees leave to grow; show internal roles and gigs
North Star: Internal moves per quarterWorkers take costly loans before payday; withdraw earned salary early
North Star: Employees using it monthlyResumes don't show real skills; short role-based tests
North Star: Interview-to-offer ratioHR doesn't know why people leave; structured exits with themes
North Star: Regretted attritionReferrals are untracked; refer, track and reward in one place
North Star: Hires from referralsCitizens can't track potholes and garbage complaints; report with photo and track
North Star: Complaints resolved on timePeople miss government benefits; find schemes by profile
North Star: Applications startedPatients struggle to find donors; match donors by blood group and location
North Star: Requests fulfilled in 6 hoursLand disputes from unclear records; searchable records with history
North Star: Record lookupsAlerts reach people late; location-based alerts and safe routes
North Star: Alert reach in 10 minutesNGOs lack volunteers; match volunteers by skills and time
North Star: Volunteer hours loggedDisabled commuters lack information; accessible stops and live help
North Star: Trips planned with accessibility filtersHouseholds don't segregate waste; reward correct segregation
North Star: Segregation compliance %Users overpay for unused data; recommend the best pack from usage
North Star: Plan switch satisfactionCasual gamers want to compete fairly; ranked tournaments with anti-cheat
North Star: Tournament participationElectricity bills spike in summer; track appliance usage and tips
North Star: kWh saved per homeSellers get low offers; instant fair price and doorstep pickup
North Star: Completed resalesParents worry about screen time and spends; limits and spend approvals
North Star: Families with controls onUsers ignore wearable data; alerts for unusual heart rate or sleep
North Star: Alerts acted onPlayers want to improve; book sessions with top players
North Star: Sessions bookedUsers flood support during outages; proactive status and ETA
North Star: Support calls during outagesTrusted guides, real templates and the apps product teams use to write PRDs.
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