AI-Powered | PFRDA Compliant | RAG Grounded

Your AI Pension
Companion
साथी

NPS SAATHI doesn't wait for your questions. It anticipates your needs, speaks your language, and guides you toward a secure retirement with personalized, proactive intelligence.

10+
Languages + Voice
Proactive
Not Just Reactive
RAG
No Hallucinations
NPS SAATHI
हिन्दी
AI Agent Active
NPS SAATHI
SMART NUDGE
नमस्ते! 👋 आपने इस महीने NPS में कोई निवेश नहीं किया। अगर आप आज ₹2,000 निवेश करें, तो रिटायरमेंट पर यह ₹8.5 लाख बन सकता है!
💰 Invest Now
मेरा पैसा कहाँ जा रहा है?
NPS SAATHI
आपका ₹2,000 तीन जगह निवेश होता है: 50% शेयर मार्केट (Equity), 30% कंपनी बॉन्ड, 20% सरकारी बॉन्ड। पिछले 1 साल में 12.3% रिटर्न मिला। और जानना चाहेंगे?
Why SAATHI Is Different
Agent, Not a Chatbot.
Most NPS assistants are reactive FAQ bots. NPS SAATHI is a proactive AI agent that thinks, anticipates, and acts.

❌ Typical NPS Chatbot

⏳Waits for you to ask a question
📋Matches keywords to FAQ answers
👥Same generic answer for everyone
🌐Machine-translated English
📝Text-only responses
1️⃣One-time interaction, then gone

✅ NPS SAATHI (AI Agent)

🚀Proactively initiates conversations and nudges
🧠Context-aware NLP with financial reasoning
🎯Personalized to your age, income, goals, and risk
🗣️Native-quality voice in 10+ Indian languages
📊Actionable guidance with visual projections
🤝Ongoing relationship with timely nudges
Core Capabilities
Intelligence That Works For You.
Every feature is designed to drive better pension outcomes, not just answer questions.
🔔

Proactive Smart Nudges

Contribution reminders, tax-saving alerts, milestone celebrations, and life event suggestions. SAATHI reaches out before you even think to ask.

🎯

Personalized Guidance

Tailored asset allocation, retirement projections, and contribution recommendations based on your unique profile and financial goals.

🗣️

Voice in Your Language

Natural voice conversations in Hindi, Tamil, Telugu, Bengali, and 6+ more languages. Supports Hinglish code-switching and local terminology.

📚

Financial Literacy

Bite-sized explainers, visual simulators, and quizzes delivered at exactly the right moment in your pension journey.

🧠

RAG-Grounded AI

Every response retrieved from verified PFRDA circulars, NPS regulations, and tax laws. No hallucinations. No guesswork. Only accurate information.

🔒

Privacy First

AES-256 encryption, consent-driven data access, and full PFRDA compliance. Your financial data stays yours, always.

Smart Nudges in Action
SAATHI Reaches Out When It Matters.
Real examples of how NPS SAATHI proactively guides your pension journey.
💰 Contribution Reminder
"You haven't contributed this month. ₹1,000 invested today could become ₹4.2 lakh by retirement. Shall I help you invest now?"
📋 Tax Season Alert
"March 31 is approaching! You can save ₹15,600 in taxes by investing ₹50,000 more in NPS under Section 80CCD(1B). Want details?"
🎉 Milestone Celebration
"Congratulations! 🎊 Your NPS corpus just crossed ₹5 lakhs! You've grown 42% this year. Here's your complete growth journey."
📈 Life Event Trigger
"You mentioned a promotion. Great news! Consider increasing your monthly NPS contribution by ₹2,000. This could add ₹12 lakh to your retirement corpus."
Multilingual Voice Support
Your Language. Your Voice. Your Pension.
🇮🇳 English
🇮🇳 हिन्दी
🇮🇳 தமிழ்
🇮🇳 తెలుగు
🇮🇳 বাংলা
🇮🇳 मराठी
🇮🇳 ગુજરાતી
🇮🇳 ಕನ್ನಡ
🇮🇳 മലയാളം
🇮🇳 ਪੰਜਾਬੀ
🇮🇳 ଓଡ଼ିଆ
Built With
Production-Grade AI Stack.
Claude / GPT-4LLM Engine
Whisper APISpeech to Text
Google TTSText to Speech
RAG + Vector DBKnowledge Base
Node.js + ExpressBackend
React.js PWAFrontend
PostgreSQL + RedisData Layer
Firebase FCMNotifications
AES-256 + TLS 1.3Security
Docker + AWSDeployment