One intelligence layer for the institutions that provide financial services, the authorities that supervise them, and the people who use them — on Indian soil, under Indian law.
An intelligence layer: licensed partners execute every regulated transaction.
Every platform in the layer exists because one of these was breaking somewhere: for a household, for a lender, or for the people supervising both.
Credit sits in one app, investments in another, tax in a spreadsheet, insurance in a drawer. No one is looking at the whole thing, least of all the household living it.
What answers it
Fin AI
Seven modules under one login, reading from one profile, resolving to one Fin Score.
Every rupee that moves through India deserves intelligence that lives in India.
Financial intelligence is not neutral infrastructure. It decides who gets credit, whose claim is paid, whose transaction is flagged. When that judgement is computed offshore, it answers to a jurisdiction that never asked an Indian household for consent.
So we built it here: on Indian soil, under Indian law, answerable to Indian regulators.
Five reasons the architecture had to be settled before the first model was trained.
Indian financial regulation has been walking toward data localisation for years. The RBI's payment-data directive drew the clearest line. Intelligence architected offshore is architected against the direction of policy.
Data processed abroad answers to the law of the place it is processed in. A foreign disclosure order does not pause at an Indian customer's consent screen.
Consent, purpose limitation and data minimisation stopped being best practice and became obligations. Retrofitting them into a finished product costs more than building on them.
Black-box output does not survive a supervisory review, a grievance, or a court. Provenance is not a feature bolted on later. It is the audit trail the decision is made of.
Infrastructure priced for a scheduled commercial bank never reaches a single-branch credit society or an SHG federation. Reaching the last mile is part of the requirement, not a later phase.
Each one is purpose-built for the institution it serves, and each one reads from the same sovereign intelligence core underneath.
All-in-One Financial Service
One intelligence layer across credit, wealth, tax, insurance, fraud, money management and retirement, built for every Indian household.
Individuals
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Supervisory Intelligence for IFSC
Oversight-grade intelligence for the International Financial Services Centre: entity monitoring, compliance signals and audit-ready reporting in one supervisory view.
Regulators & Authorities
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The Institutional Intelligence Layer
The decisioning backbone for banks, NBFCs and fintechs, delivering underwriting, portfolio risk and customer intelligence through secure APIs.
Banks & Institutions
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Built for Cooperative Banking
Digital rails and supervisory intelligence sized for urban cooperative banks and credit societies, the institutions that carry Bharat's local economy.
Banks & Institutions · Regulators & Authorities
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Intelligence for Self-Help Groups
Group-level intelligence that turns years of informal savings history into evidence a bank can actually lend against.
Individuals · Banks & Institutions
ExploreCredit through retirement, under one login. Each module is intelligence. The regulated transaction underneath is always executed by a licensed partner.
The gap is not features. It is where the data lives, who carries the regulatory risk, and whether a decision can be explained afterwards.
Conventional stack
Separate vendors for retail, for banking and for supervision
The Fin100X approach
One intelligence layer across individuals, institutions and regulators
Conventional stack
Frequently processed and stored offshore
The Fin100X approach
Built on Indian soil and governed by Indian law
Conventional stack
Compliance bolted on once the product already exists
The Fin100X approach
Compliance-first, on DPDP Act 2023 principles from day one
Conventional stack
Platform quietly takes advisory and balance-sheet risk
The Fin100X approach
Intelligence only: licensed partners execute regulated transactions
Conventional stack
Black-box scores with no decision trail
The Fin100X approach
Explainable AI with provenance an auditor can follow
Conventional stack
Priced for large institutions
The Fin100X approach
Sized for cooperative banks, SHGs and the last mile
What Fin100X puts in the field today, across individuals, institutions and the authorities that supervise them. Structural counts, not projections.
Three ordinary moments, one for each side of the system, and where intelligence changes the shape of the decision.
Two sanction letters, two tenures, two insurance add-ons nobody explained. The cheaper headline rate is not the cheaper loan.
The decision stays with the household, now taken with the trade-offs visible.
The member has banked at the branch for eleven years and has almost no bureau file. The manager knows the risk; the system cannot see it.
The loan is still the bank's call, and the reasoning survives an audit.
Nothing in the quarterly return is out of bounds. The trend underneath it has been bending for two months.
Supervision moves at the speed of the risk instead of the calendar.
Illustrative journeys showing how the platforms fit together, not customer claims, and not a guarantee of any particular outcome.
Every feature operates under India's strictest financial regulatory frameworks.
AMFI Registered
MFD · ARN-358026
SEBI Regulated
Licensed Platform
RBI Registered
DLSP Partner
ISO 27001
Certified Secure
CERT-IN
Security Aligned
DPDP Compliant
Data Protected
AMFI Registered
MFD · ARN-358026
SEBI Regulated
Licensed Platform
RBI Registered
DLSP Partner
ISO 27001
Certified Secure
CERT-IN
Security Aligned
DPDP Compliant
Data Protected
“I can't wait for this app to launch! I'll have personalized AI Powered financial advisor right in my pocket.”
For Fin AI“I am very excited about this app! Finally, I'll have a financial human advisor on my phone with just one click. No need to go anywhere.”
For Fin Advisor“I'm super excited for this app, especially to gain financial knowledge for better decision-making.”
For Fin Literacy“I am very excited about this app! Finally, I'll have a financial human advisor on my phone with just one click. No need to go anywhere.”
For Fin Advisor“I'm super excited for this app, especially to gain financial knowledge for better decision-making.”
For Fin LiteracyWhether you are managing a household's money, running a lending book, or supervising the institutions that do, there is a platform here built for your side of it.
Everything you need to know, all in one place
Fin AI is Fin100X.AI's AI-powered financial intelligence platform. It delivers intelligence across credit, wealth, tax, insurance, fraud, money management, and retirement. Fin AI is an intelligence layer, not a lender or adviser. Regulated transactions are executed by licensed partners, and it never guarantees returns.
No. Fin AI is an intelligence and decision support layer. It does not lend, invest, trade, or provide regulated financial advice. All regulated transactions are carried out by licensed partners. Information from Fin AI supports your decisions but is not financial advice.
Fin AI structures complex financial information into clear intelligence, helping users understand options across credit, wealth, tax, and insurance. By surfacing risks and trade-offs transparently, it supports more informed decisions while licensed partners handle any regulated execution.
Fin AI is built on a compliance-first model: it operates as an intelligence layer, relies on licensed partners for regulated transactions, follows DPDP Act 2023 data principles, and never guarantees returns. This structure keeps regulated activity with appropriately licensed entities.
Fin AI includes seven modules: Credit AI, Wealth AI, Tax AI, Insurance AI, Fraud AI, Money Management AI, and Retirement AI. Each delivers domain-specific intelligence, and together they form a unified financial intelligence platform.
Fin AI serves individuals seeking better financial decisions, and institutions such as banks, NBFCs, fintechs, advisers, and enterprises that want an intelligence layer. Its partner-led model lets institutions integrate intelligence while licensed entities handle regulated execution.
Fin AI follows DPDP Act 2023 data-protection principles, including data minimization, consent, and security. Personal financial data is handled with safeguards, and Fin AI is designed so that sensitive regulated activity stays with licensed partners.
