# Sagarmatha: India's Unified Wealth & Credit Fintech Platform
> Explore Sagarmatha's roadmap for building India's unified financial infrastructure. A deep dive into wealth, trading, credit, and compliance convergence.

Tags: fintech, wealth-management, pitch-deck, startup-india, financial-infrastructure, investment-strategy, credit-engine
## Slide 1: The Investment Thesis\n* Focused on the convergence of trading, investing, wealth, and credit for India's mass-affluent and HNI demographic.\n* Target: • 2 Crore Seed Round.\n\n## Slide 2: Market Context\n* Indian wealth management AUM projected at • 87 Trillion by 2027.\n* 340M+ mass-affluent investors by 2028.\n* 68% of investors currently use 3+ disconnected apps.\n\n## Slide 3: Problem Analysis\n* Fragmentation of apps, rising customer acquisition costs (CAC), and regulatory friction are major barriers in the Indian market.\n\n## Slide 4: The Solution\n* A unified platform built on five engines: Sagarmatha App, Order Engine, Wealth & PMS, Trade & Margin, and Compliance & KYC.\n\n## Slide 5: Product Suite Overview\n* Infrastructure includes AI-native KYC and professional asset management layers designed for scale.\n\n## Slide 6: Sagarmatha Super App\n* Features include a unified dashboard for all asset classes, alternative asset investments, and AI-powered insights.\n\n## Slide 7: Execution Layer (Order Engine)\n* Integrated Trade Management System (TMS) for brokers and dealers with algorithmic trading and AI-driven risk management.\n\n## Slide 8: Asset Management Engine\n* Institutional-grade PMS for retail investors with automated fund accounting and goal-based SIPs.\n\n## Slide 9: Credit Engine (Trade & Margin)\n* Portfolio-backed credit platform allowing users to leverage PMS holdings as margin collateral at 12-18% p.a. lending rates.\n\n## Slide 10: Compliance & Surveillance Engine\n* AI-native underwriting and real-time market surveillance to eliminate fraud and meet SEBI compliance.\n\n## Slide 11: Technical Architecture\n* Tech Stack: React + Tailwind CSS (Front-end), Django/Python (Logic), PostgreSQL/Redis (Data), and Ubuntu/Containerized servers (Infrastructure).\n\n## Slide 12: Execution Roadmap\n* Phase 1 (2026): Foundation & Trust (KYC/PMS).\n* Phase 2 (2027): Monetization & Credit.\n* Phase 3 (2028): Super App Ecosystem.\n\n## Slide 13-15: Detailed Roadmap Phases\n* Deliverables include the Makalu KYC engine, Annapurna PMS, and Dhaulagiri Trade platform.\n\n## Slide 16: Business Model\n* Four Revenue Pillars: AUM Fees (1.5-2.5%), Execution Fees, Net Interest Margin (4-8% spread), and B2B SaaS Licensing.\n\n## Slide 17: Investor Ask\n* • 2 Crore Seed Round allocation: 40% Product, 25% Regulatory, 20% Partnerships, 15% Operations.\n\n## Slide 18: Strategic Outlook\n* Emphasizes that compliance and infrastructure outlast interfaces. Goal to build a • 1,000 Crore fintech platform.
---
This presentation was created with [Bobr AI](https://bobr.ai) — an AI presentation generator.