Sahaya lives in WhatsApp and works in the background. Connect your accounts, email and calendar once. It reads statements as they arrive, pays what you approve, and messages you first when something needs you.
Pick a person. Their first day with Sahaya plays out on WhatsApp, in their language.
12 languages Speak or type in yours. Sahaya answers in the same one, Hinglish included.
A specialist handles each part behind the scenes. You only ever talk to Sahaya. Tap one to see what it says.
Every bill across 22,000+ billers on Bharat Connect. A nudge before each due date, and autopay within limits you set.
“pay the electricity bill”
₹2,140 to TNPDCL, due thursday. paying from your savings account. reply yes.
Your credit report in plain words, what moves your score, and a step-by-step plan to raise it.
“why did my score drop?”
it fell 18 points after your card hit 82% of its limit in august. keep it under 30% and it usually recovers within two statements.
Why an application was rejected, a 90-day plan to fix it, and offers only from lenders likely to say yes.
“can I get a ₹5 lakh loan?”
likely yes. the new EMI would take your total to 31% of your take-home, under the limit most lenders use. 3 lenders already pre-qualify you, and checking didn't touch your score.
Old vs new regime on your real numbers, deductions you've missed, and your return filed for you.
“file my ITR”
your Form 16, AIS and bank interest are all in. the new regime saves you ₹1,45,600. review the draft, then reply yes to file.
Gaps across health, life and employer cover, renewals before they lapse, and every claim walked through.
“am I covered enough?”
your ₹5,00,000 family floater is thin for four people in a metro. a super top-up over it costs far less than raising the base cover.
Your whole portfolio in one picture, with overlap and costs explained, and SIPs set up to match your goals.
“are my funds too similar?”
a bit. 6 of your 11 funds are large cap, about 48% of your ₹8,62,450. more funds, not more variety.
Spare cash found in your real spending, and goals that put a little aside every week.
“save for Goa in December”
₹38,000 to go across 10 weeks, so ₹3,800 every sunday. reply yes and I'll move it automatically.
Subsidies and schemes your household qualifies for, with help applying and the documents ready.
“what do I qualify for?”
PMSBY accident cover for ₹20 a year, and the LPG subsidy on each subsidised refill. want me to apply for both?
Your parents' pension, your spouse's policies and your children's goals in one family view, with each person's consent.
“help my mother with her pension”
her pension life certificate is due in november. I can do it by face authentication on her phone, or book a doorstep visit.
You don't have to remember to ask. Sahaya works in the background and writes when something actually changes: a bill, a price, a renewal, a decision you left hanging. Reply yes, in your language, and it's done.
Your yes, in your language: हाँ
Every nudge is grounded in your own data. If nothing is backing it, Sahaya doesn't say it.
One vault for your money life: passwords, cards, reward points, warranties and goals. It's a password manager and a tokenised card store in one, locked with a key only you hold. So when you want a new phone, an AC before summer or flights home for Diwali, Sahaya can stack every offer you qualify for, then sign in and pay with your yes.
Illustrative figures. The vault is encrypted with a key that never leaves your phone. A login or card is released only for the one action you approve, and Sahaya never keeps a readable copy.
The same RBI-mandated card-on-file system Indian merchants have used since 2022.
Ask for something and watch a page build itself for it. Then look around: your vault, your settings, everything Sahaya did.
For Android and iOS. This is an interactive preview.
These rules are built into how Sahaya works. No prompt can argue it out of them.
Account and card numbers are always masked, in every reply.
A/c ••••••••4821
Passwords and cards live in an end-to-end encrypted vault, unlocked by a passkey on your phone. A secret is released only for the one action you approve. Cards are kept as network tokens, so the real number never touches Sahaya. OTPs are used once, when you say so, and then discarded.
It walks you through costs, risks and tradeoffs. It never names a stock or fund as the pick. The choice stays yours.
No transaction ever happens without your explicit confirmation.
Every amount comes from your data or from arithmetic it can show you. When it isn't sure, it says so plainly.
One user's data never reaches another. Every action is written to an append-only audit log.
Yes. The everyday companion is free. Sahaya Pro, at ₹99 a month or ₹999 a year, adds tax filing, retirement planning, the family dashboard and priority support. Pro also brings Sahaya into the AI tools you already use: Sign in with ChatGPT, or connect it through MCP and APIs.
No. Sahaya works in WhatsApp. Connect your accounts and email once, and statements are picked up as they arrive. The Sahaya app for Android and iOS is optional. It holds your vault behind a passkey.
Only if you connect it, only read-only, and only money emails: statements, bills, renewals, invoices and bookings. It never sends email for you, and you can disconnect in one message.
Only when it actually helps, and always out in the open. Every suggestion says whether Sahaya earns a commission, and it never tells you which fund to buy.
Yes. Say "stop" to end any consent, or "delete my data" and everything Sahaya holds about you is erased.
Sahaya is opening in waves. Join the waitlist and tell us which language you'd speak to it in.