सहाय — companion in Sanskrit
An AI companion that speaks your language, understands your finances, and acts on your behalf — one conversation at a time.
Every fintech app starts with your PAN card. Sahaya starts with your question. Talk in any language — Sahaya explains, remembers, and when you're ready, acts.
Send a voice note or call Sahaya directly. Hindi, Tamil, Telugu, Bengali, Marathi and 7 more — understood in under 500ms.
70% of Sahaya users never download anything. Save the number, message in your language — financial guidance right where you already are.
Traditional KYC tells the bank who you are legally. It says nothing about your anxieties, aspirations, or household reality. Sahaya learns all of this through 10 natural conversations.
No forms. It emerges from conversation — the kind you'd have with a trusted family member, not a bank.
The most underserved thing in Indian finance: an app where you talk about money. Not transact. Just talk — and be understood. Every conversation builds memory. The app becomes genuinely useful before it asks for any trust.
Once trust is earned, Sahaya becomes your agent. It pays bills, tracks credit, finds government schemes, files your taxes, reviews your insurance, manages your investments — always opt-in, always transparent, always reversible.
Stop anytime: "Sahaya, रुको" · "நிறுத்து" · "ನಿಲ್ಲಿಸು" · "থামো" · "stop"
Sahaya isn't one AI. It's a team of specialist agents — each an expert in its domain, all working together, all governed by consent.
Every conversation makes Sahaya smarter — trained on how real Indians talk about money, not what an English-speaking chatbot expects.
The world built AI agents. India built the financial rails. When they work together — responsibly, with consent, in your language — this is what becomes possible.
Sahaya monitors BBPS for every biller, auto-pays within your rules, catches errors, and disputes overcharges — before you wake up.
Continuously optimises credit utilisation, times payments for maximum CIBIL impact, and negotiates better rates — fully transparent.
Instead of searching 2,000+ schemes, Sahaya cross-references your profile with DigiLocker and applies on your behalf.
"Sahaya, file my taxes." It pulls Form 16, AA bank data, investment proofs, calculates optimal regime, generates ITR, and files — you just confirm.
Analyses your health, income, dependents, and existing policies. Finds gaps. Recommends coverage. Files claims when needed — guided by voice.
Your Sahaya agent negotiates loan terms with the bank's AI. Structured, compliant, consent-gated. Humans approve the outcomes.
Not a chatbot wrapper. A regulated financial agent stack — consent-native, compliance-first, designed for India.
Built by the team that wrote parts of India Stack — not a team that learned the API.
No forms. No upfront KYC. No password sharing. You get real value before Sahaya asks for anything.
No download required. Works on any phone with WhatsApp. Prefer a call? Dial in. Sahaya speaks your language from the first message.
⏱ 0:00 — instant
Type or speak in Hindi, Tamil, Telugu, Bengali — or mix them. Sahaya detects your language from your first message and responds in kind. No setting to configure.
⏱ ~0:05 — auto-detected
When you're ready to connect your accounts, Sahaya explains exactly what it needs to read, why, and how to stop. One OTP through RBI's Account Aggregator. No password sharing. Ever.
⏱ ~1:30 — one OTP, 60 seconds
Balances across all accounts. Last month's spending. Your CIBIL score with the reason it moved. Bills due this week. All in 30 seconds — in your language, in plain words.
⏱ ~2:58 — first real insight delivered
Sahaya doesn't stop at information. Based on what it found, it proposes one specific thing you can do right now — pay a bill, fix your credit utilisation, check a scheme you qualify for.
⏱ ~3:10 — action, not just advice
Every action Sahaya takes needs your word. Pay bills on autopilot. File taxes with a confirmation. Stop anytime — "Sahaya, रुको" · "நிறுத்து" · "stop". Always reversible.
Works with your bank — no new account needed
See how Sahaya compares to the tools you already use.
Yes — free during the early access period. We'll always offer a meaningful free tier. When we do introduce paid plans, you'll have clear notice and full control over your data regardless of what you choose.
Never. Sahaya uses the RBI's Account Aggregator framework — a regulated, secure data-sharing system built into India's financial infrastructure. You authorise read-only access through your bank's own app. Sahaya never sees your login credentials, and access is revocable at any time.
Hindi, Tamil, Telugu, Kannada, Bengali, Malayalam, Marathi, Gujarati, Punjabi, Odia, Urdu, and English — 12 languages natively. You can switch mid-conversation and Sahaya follows. More languages are on the roadmap.
General AI doesn't know your actual finances. Sahaya connects to your real accounts (with your consent), knows your actual CIBIL score, your real bills, your actual investment portfolio. It doesn't give generic advice — it acts on your specific situation. And it can actually do things: pay a bill, flag an overcharge, prepare your ITR.
We're in stealth, building carefully. Early access will go to people on this waitlist first — in the order they signed up. Join now and we'll reach out directly when your spot is ready.
Sahaya processes your financial data to answer your questions and take actions you authorise. It stores conversation memory (so you don't repeat yourself) but never stores raw bank statements permanently. Financial data fetched via AA is used in-session and discarded. You can delete everything at any time by saying "Sahaya, delete my data" — gone within 24 hours.
Be among the first to have a financial companion that speaks your language and is always on your side.
Join the waitlist →Opens your email app · hello@sahaya.money