Finance Saathi: Agentic AI for Financial Literacy in India
Explore Finance Saathi, an AI-powered financial companion delivering multilingual guidance, fraud protection, and scheme navigation for the Indian market.
Finance Saathi
— Agentic AI for Financial Literacy
One AI Companion. Every Indian's Financial Language.
<span style="font-weight: 600; color: #FFFFFF;">Team:</span> Tech Titans | Rahul Sharma, Priya Patel
Nomura KakushIN 2026
02
The Problem
₹20.6T
UPI transactions in FY24
Record-breaking digital payment adoption
80M+
New retail investors since 2020
India's fastest-growing investing class
Financial ACCESS has outpaced Financial <span style="color: #D4AF37;">UNDERSTANDING</span>
Millions transact digitally but cannot read a credit score, compare insurance, or spot a predatory loan.
Can't decode credit scores
Misled by ULIP mis-selling
Fall into predatory loan traps
Finance Saathi
2 / 15
03
Who We're Solving For
Four real Indians who need Finance Saathi
Priya
32 • Thane School Teacher • Marathi
₹35,000/month (fixed)
Overwhelmed by jargon & ULIP mis-selling
Understand my insurance before I buy it
Rajesh
24 • Mumbai Gig Worker • Hindi
₹15K–40K/month (variable)
No emergency fund, falls for loan apps
Save money despite irregular income
Kisan
45 • Karnataka Farmer • Kannada
3 acres, seasonal income
Confused by PM-KISAN & crop insurance
Know which schemes I'm eligible for
Divya
28 • Pune Content Writer • Visual Impairment
₹25,000/month
No voice-first, screen-reader tools
Full financial access without barriers
Finance Saathi
3 / 15
Why Existing Solutions Fail
Generic Financial Apps
Bank Advisors
YouTube / Online Content
NGOs / Educators
No existing solution is persona-aware, multilingual, AND accessible at scale.
Finance Saathi
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05
Our Solution
Finance Saathi
= A Persona-Aware, Multilingual, Multi-Agent AI System
Detects
WHO the user is
Routes to the
RIGHT SPECIALIST AGENT
Delivers
PERSONALIZED financial guidance
🎤 Voice
💬 Chat
📟 SMS/USSD
♿ Screen Reader
📚 Financial Education
🏛️ Scheme Navigation
🛡️ Fraud Protection
💰 Budget Coaching
One AI Companion. Every Indian's Financial Language.
Finance Saathi
5 / 15
06
System Architecture — High-Level Design
10-Layer Agentic AI Flow
① Input Layer
② Persona Intelligence Engine
③ Orchestrator Agent
④ Specialist Agents
⑤ RAG & Knowledge Layer
⑥ Response Synthesis
⑦ Output Layer
⑧ Behavioral Nudge System
⑨ Human Oversight & Responsible AI
Finance Saathi
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Specialist Agents
Four AI experts, each purpose-built
Finance Saathi
7 / 15
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Sample Output — UI Mockup
What users actually see
Budget Coach — Rajesh (Mumbai, Hindi)
I earn different amounts every month, paisa kaise bachau?
Rajesh • Variable income • Hindi
नमस्ते Rajesh! 🙏 आपकी income variable है — इसलिए मैं आपको एक flexible micro-savings plan देता हूँ:
• Week 1-2: ₹500 emergency jar
• Week 3: ₹300 SIP (when income > ₹25K)
• Week 4: ₹200 buffer
Total: ₹1,000/month minimum savings ✅
Financial Health: 34/100 → Target: 55 in 90 days
⚠️ This is financial education, not advice. Consult a SEBI-registered advisor for investments.
Scheme Navigator — Kisan (Karnataka, Kannada)
PM-KISAN ಅರ್ಹತೆ ವರದಿ
✅ ನೀವು ಅರ್ಹರು (You are eligible)
ಆಧಾರ್ ಕಾರ್ಡ್ ಮತ್ತು ಭೂ ದಾಖಲೆ ತಯಾರಿ ಮಾಡಿ<br><span style="font-size: 15px; color: #55565A; font-weight: 500; margin-top: 4px; display: block;">(Prepare Aadhaar + land records)</span>
pmkisan.gov.in ಗೆ ಹೋಗಿ<br><span style="font-size: 15px; color: #55565A; font-weight: 500; margin-top: 4px; display: block;">(Visit pmkisan.gov.in)</span>
Farmer Corner → New Registration ಕ್ಲಿಕ್ ಮಾಡಿ<br><span style="font-size: 15px; color: #55565A; font-weight: 500; margin-top: 4px; display: block;">(Click New Registration)</span>
₹6,000/year benefit • 3 installments
Generated by Finance Saathi • Verified against official portal data
Finance Saathi
8 / 15
Data Model — Simplified
Core entities powering Finance Saathi
Nomura KakushIN 2026
What's Genuinely New Here
Original thinking — not derivative of existing products
Persona-Inference-First Routing
A generic chatbot with one fixed persona
Detects income pattern, language, literacy, accessibility → routes to the RIGHT agent automatically
Novel Architecture
Fraud Guard Trained on Indian Predatory Patterns
Generic scam detection
Trained on gig-worker loan app fraud + rural chit fund schemes specific to Indian fintech context
Domain-Specific Intelligence
Financial Health Impact Score™
One-off Q&A chatbot
Longitudinal metric tracking user's financial wellbeing over time — from first interaction to goal achievement
Outcome-Oriented Metric
Bias Monitor Across Personas
Assume AI treats all users equally
Active fairness check — low-income/low-literacy users get SAME quality answers as high-income users. Monitored, not assumed.
Responsible AI by Design
None of these four features exist in combination in any current Indian financial app.
Finance Saathi
10 / 15
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Responsible AI & Trust
Built-in safeguards — not bolted on
AI Always Disclosed
Users know they're talking to an AI — upfront, every session. No deceptive personas.
Human Escalation Triggers
Low confidence score OR high-stakes query (large investments) → automatically escalated to human SEBI-registered advisor.
Data Anonymized & Local
No PII shared with third parties. Stored regionally per Indian data protection norms. User controls their data.
Bias Monitoring
Answer quality compared across all persona types and languages. Low-literacy users must receive equivalent quality guidance.
No Disguised Advice
Financial education ≠ financial advice. Every response includes a clear SEBI disclaimer when applicable.
"Trust is not a feature — it is the foundation."
Finance Saathi
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Device Access
Users have basic smartphone OR feature phone with SMS/USSD capability — not full data connectivity required.
Bhashini/IndicTrans Availability
Government's Bhashini API and IndicTrans translation models are accessible for 12 Indian languages under open-access terms.
Scheme Data Accessibility
Government scheme data sourceable via public APIs or periodic scraping of official portals (pmkisan.gov.in, epfindia.gov.in, etc.)
Groq Inference Cost-Viability
Groq's Llama3-70B inference is cost-viable at target scale — ₹X per 1,000 queries stays within viable unit economics.
WhatsApp Business API Approval
WhatsApp Business API approval is obtainable for a fintech/social-impact use case within a reasonable timeline.
User Consent to Personalization
Users provide informed consent to data storage for personalization purposes, with option to delete at any time.
These assumptions are validated against publicly available information as of June 2026.
Finance Saathi
12 / 15
13
Implementation Plan
8-week phased delivery
WEEKS 1–2
Core Foundation
<div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #2EC4B6; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">Orchestrator agent setup</div></div> <div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #2EC4B6; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">Education Agent + Scheme Navigator</div></div> <div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #2EC4B6; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">Text/chat input only</div></div> <div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #2EC4B6; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">English + 1 regional language</div></div> <div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #2EC4B6; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">Basic RAG pipeline (ChromaDB)</div></div>
MVP Ready
WEEKS 3–4
Expand Agents & Languages
<div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #D4AF37; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">Fraud Guard Agent + Budget Coach</div></div> <div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #D4AF37; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">12 languages via Bhashini</div></div> <div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #D4AF37; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">WhatsApp Business integration</div></div> <div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #D4AF37; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">Full RAG knowledge base</div></div>
Multi-language
WEEKS 5–6
Voice & Accessibility
<div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #BA8EE4; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">Voice input via Whisper ASR</div></div> <div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #BA8EE4; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">Screen reader accessibility layer</div></div> <div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #BA8EE4; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">SMS/USSD fallback</div></div> <div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #BA8EE4; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">Low-connectivity optimization</div></div>
Inclusive Access
WEEKS 7–8
Trust & Impact Layer
<div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #E57373; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">Behavioral nudge system</div></div> <div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #E57373; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">Financial Health Impact Score</div></div> <div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #E57373; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">Human escalation workflow</div></div> <div style="display: flex; align-items: flex-start; gap: 12px;"><div style="color: #E57373; font-size: 18px; font-weight: 800;">✓</div><div style="opacity: 0.9;">Bias/fairness testing across personas</div></div>
Production Ready
<div style="background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.15); padding: 6px 20px; border-radius: 20px; color: #E0E0E0; font-size: 14px; font-weight: 500; box-shadow: 0 3px 8px rgba(0,0,0,0.2);">LangChain</div> <div style="background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.15); padding: 6px 20px; border-radius: 20px; color: #E0E0E0; font-size: 14px; font-weight: 500; box-shadow: 0 3px 8px rgba(0,0,0,0.2);">Groq Llama3-70B</div> <div style="background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.15); padding: 6px 20px; border-radius: 20px; color: #E0E0E0; font-size: 14px; font-weight: 500; box-shadow: 0 3px 8px rgba(0,0,0,0.2);">ChromaDB</div> <div style="background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.15); padding: 6px 20px; border-radius: 20px; color: #E0E0E0; font-size: 14px; font-weight: 500; box-shadow: 0 3px 8px rgba(0,0,0,0.2);">Bhashini</div> <div style="background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.15); padding: 6px 20px; border-radius: 20px; color: #E0E0E0; font-size: 14px; font-weight: 500; box-shadow: 0 3px 8px rgba(0,0,0,0.2);">Whisper ASR</div> <div style="background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.15); padding: 6px 20px; border-radius: 20px; color: #E0E0E0; font-size: 14px; font-weight: 500; box-shadow: 0 3px 8px rgba(0,0,0,0.2);">Streamlit</div> <div style="background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.15); padding: 6px 20px; border-radius: 20px; color: #E0E0E0; font-size: 14px; font-weight: 500; box-shadow: 0 3px 8px rgba(0,0,0,0.2);">WhatsApp API</div>
Finance Saathi
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Roles & Responsibilities
Two members, full-stack ownership
AI / Backend Lead
Member 1
Product / Frontend Lead
Member 2
Combined: Full-stack AI system from data model to voice interface — delivered in 8 weeks.
Finance Saathi
14 / 15
15
Impact & Closing
Four Personas. Four Transformations.
Priya
Gets jargon-free retirement guidance in Marathi — finally understands her ULIP
📈 Financial literacy: Low → Medium
Rajesh
Gets a workable ₹1,000/month micro-savings plan despite variable income
💰 Emergency fund: ₹0 → ₹12,000 in 12 months
Kisan
Gets a 3-step PM-KISAN application path in Kannada — no middlemen
🌾 Scheme access: None → ₹6,000/year
Divya
Gets a fully voice-first, screen-reader-compatible financial experience
♿ Barrier-free: First time accessing financial tools
Make your mark.
Empower millions.
Build the future of financial literacy.
Finance Saathi — Nomura KakushIN 2026
- fintech
- artificial-intelligence
- india
- financial-literacy
- agentic-ai
- banking
- startup
- inclusive-finance