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InQAI
Sovereign · Governance

Sovereign governance intelligence for institutions across India

InQAI turns the state's own data into evidence-grade decisions: household vulnerability, welfare outcomes, district planning, policy scenarios, deployed inside sovereign cloud regions, owned by India.

Formerly Maha AI. Same platform, same company, now serving all of India.

Led byIIT Bombay alumni
SignedMoU with MahaIT

Household & welfare intelligence

Identify vulnerable households and measure programme impact in real time.

Governance & policy reasoning

Evidence-based scenario modelling for departments and decision-makers.

Command-grade deployment

Mission platforms like SACAP for events at national scale.

Who it is for

For institutions that must answer for the decision.

The common thread is not the sector. It is the obligation: these are institutions that must be able to explain a decision afterwards, to someone with the standing to ask.

Government and public administration

Central, state and district administration, line departments and the offices that allocate public resources.

  • Budget allocation
  • scheme delivery
  • resource prioritisation
  • service guarantees

Public-sector undertakings and utilities

State-owned operators running physical networks at scale, where a scheduling decision has a cost measured in crores or in outage hours.

  • Power and grid
  • transport and fleet
  • water
  • logistics and supply

Banking, financial services and insurance

Public-sector banks, cooperative banks, development finance and insurers: institutions whose every model decision is examinable by a supervisor.

  • Portfolio and exposure
  • fraud and network intelligence
  • model governance

Regulators and supervisory bodies

The institutions on the other side of that examination, who need the same evidence trail to supervise with, and who cannot accept a black box from anyone.

  • Supervisory analytics
  • disclosure and filing intelligence
  • systemic risk
The sovereign advantage

Why a governed backbone is the requirement

The difference is not features. It is where the data lives, who carries the regulatory risk, and whether an auditor arriving a year later can reconstruct exactly what was decided, on what data, under which policy version, and who approved it.

Data residency

Conventional / offshore AI stack

Processed and stored outside Indian jurisdiction

The Fin100X sovereign approach

Built on Indian soil, deployed in sovereign cloud regions

Governance posture

Conventional / offshore AI stack

Compliance retrofitted once the product already exists

The Fin100X sovereign approach

DPDP-aligned and consent-driven by design

Explainability

Conventional / offshore AI stack

Black-box scores with no decision trail

The Fin100X sovereign approach

Transparent models with end-to-end logs and audit-ready systems

Human oversight

Conventional / offshore AI stack

Fully automated decisions with no review step

The Fin100X sovereign approach

Human-in-the-loop on every critical decision

Interoperability

Conventional / offshore AI stack

Proprietary formats that sit beside national systems

The Fin100X sovereign approach

DPI-compatible, NIC-aligned and API-first

Execution model

Conventional / offshore AI stack

The platform quietly carries the regulated risk

The Fin100X sovereign approach

Licensed partners execute every regulated transaction

Reach

Conventional / offshore AI stack

Priced and sized for large institutions

The Fin100X sovereign approach

Built for districts, cooperatives and the last mile

Deployed systems

Named platforms, already running.

Not a roadmap. Every platform listed here is a deployment you can open, on the governed backbone described below.

Platforms in production

What they are used to decide

  • Household Vulnerability IntelligenceIdentify vulnerable households and proactive interventions.
  • Welfare Program AnalyticsMeasure effectiveness, impact & outcome intelligence.
  • District Intelligence Dashboards360° district view for data-driven planning & governance.
  • Governance & Policy IntelligenceEvidence-based policy support & scenario modeling.
  • Public Grievance & Service IntelligenceAnalyze patterns & improve service delivery.
The backbone

One governed backbone underneath both platforms

We do not force quantum onto problems classical methods solve better: the backbone evaluates and orchestrates the right computational paradigm for each workload. What comes out the other side is decisions, not dashboards.

Layer 1 of 4

Intelligence Layer

Produces scenarios, forecasts and ranked options, each carrying the evidence that produced it.

Every layer is shared. InQAI and Fin AI differ in what they reason about, not in what they run on.

Outcomes

Better Governance Decisions
Financial Inclusion & Resilience
Welfare Effectiveness & Transparency
Fraud & Risk Protection
Public Trust & Empowerment

What the backbone will not do

No black-box scores•No offshore processing•No unreviewed decisions•No invented numbers•No proprietary lock-in
Controls, not intentions

Governance you can inspect, not just trust

Each control below names what it produces: an artifact, a gate or a log. A governance claim that cannot be inspected is a preference, not a control.

ExplainabilityEvery recommendation arrives with the data and the rule that produced it.
Consent ArchitectureConsent and purpose are checked on each query, and minimization decides what is read at all.
Data SecurityEncrypted in transit and at rest, with access scoped by role on every record.
Inspectable
by design
Audit & TraceabilityA retained log of the decision, the data, the policy version and the approver.
Bias & FairnessOutcomes measured across groups and reported. No system is unbiased by assertion.
Human-in-the-LoopNo critical decision takes effect until a named officer approves it.
Our Governance Framework
For evaluation and review

Where it runs, who decides, who validates, what survives an audit.

Six answers, each resting on a commitment stated elsewhere in this document. Nothing here is asserted only here.

Prepared forReviewing officersGovernment IT architectsSecurity and audit teamsProcurement and evaluation committees

Where does the data live?

Built on Indian soil and deployed inside sovereign cloud regions, with architecture principles aligned to NIC standards. Data residency is a deployment property, not a policy promise.

Who signs off on a decision?

The authorized officer, always. The platform produces a recommendation; a human approves, modifies or rejects it. The platform holds no authority of its own.

Can it be audited a year later?

Yes. An auditor can reconstruct exactly what was decided, on what data, under which policy version, and who approved it, from the retained log rather than from anyone's recollection.

Who validates the output?

An independent service verifies every mandatory constraint before a recommendation can reach an approval screen. A solver does not mark its own homework.

How does it fit what we already run?

DPI-compatible, NIC-aligned and API-first. It is built to sit inside existing national and state systems rather than beside them or in place of them.

What is the compliance posture?

DPDP-aligned and consent-driven by design, ISO 27001 certified and SOC 2 Type II, aligned to the IndiaAI mission and CERT-In practice.

The boundary

A platform recommendation is not a government decision.

The recommendation carries its evidence. The decision, and the accountability for it, stays with the authorized officer.

Built for India's Digital Future

DPI & SDG Compatible. India First.

Our infrastructure is designed for interoperability with India's Digital Public Infrastructure and government systems.

Digital Public InfrastructureExploring secure interoperability with the DPI ecosystem.
Government Grade PrinciplesBuilt with scalability, security & auditability at heart.
NIC Compatible ApproachArchitecture principles aligned with NIC standards.
Sustainable Development Goals

Contributing to the UN Sustainable Development Goals through intelligence built for public good.

What that means in practice

  • DPI-compatible architecture approach
  • Open standards & API-first design
  • Interoperable with NIC & State systems
  • Secure, scalable & future-ready
SDG Aligned ImpactContributing to UN SDGs through intelligence for good.
IndiaAI EcosystemAligned with IndiaAI mission for responsible AI for all.
Viksit Bharat 2047AI intelligence infrastructure for a developed and inclusive India.
Aligned with India AI & MahaIT Vision

India's Digital to Intelligence Infrastructure

Built to sit inside the country's existing digital rails rather than beside them.

IndiaAI - A MeitY InitiativeDigital IndiaAadhaarSustainable Development Goals

DPDP Aligned

Data protection by design

Explainable AI

Transparent & interpretable

Audit Ready

Logs, traceability, compliance

Privacy Design

Consent-driven architecture

Human Oversight

In-the-loop controls

Partner Ecosystem

Regulated execution

FAQs

Frequently Asked Questions

Everything you need to know, all in one place

Fin AI (financial intelligence) and InQAI (the sovereign intelligence infrastructure covering governance, welfare, financial, compliance, and public-sector intelligence).

Fin100X.AI builds AI intelligence infrastructure rather than selling human-hours. Its products Fin AI and InQAI provide AI-native intelligence layers for financial services, regulatory compliance, and public-sector governance, with a compliance-first, responsible-AI approach.

Fin AI is an AI-powered financial intelligence platform. InQAI is the sovereign intelligence infrastructure for governance, welfare, financial, compliance, and public sector. It is aligned to DPDP, RBI, SEBI, IRDAI, and CERT-In.

InQAI is Fin100X.AI's sovereign intelligence infrastructure for governance, welfare and the public sector. It turns a state's own data into evidence-grade decisions across household vulnerability, welfare outcomes, district planning and policy scenarios, deployed inside sovereign cloud regions and owned by India.

InQAI was previously called Maha AI, and briefly IndQI. It is the same platform from the same company, Fin100X.AI. The name changed because the earlier one read as specific to Maharashtra, while the platform serves institutions across India.

InQAI is a pan-India platform, available to state and central government institutions anywhere in India. Its first deployments were in Maharashtra, under an MoU with MahaIT, but the platform is not specific to any one state: it is built on open standards, is DPI-compatible and NIC-aligned, and deploys into any sovereign cloud region in India.

InQAI is built for governments, ministries and public institutions: departments, district administrations and the decision-makers who need evidence rather than estimates. Its first government deployment targets the Government of Maharashtra through MahaIT and the Chief Minister's Office, ahead of expansion to additional states and central institutions.

InQAI works across three areas. Household and welfare intelligence identifies vulnerable households and measures programme impact in real time. Governance and policy reasoning provides evidence-based scenario modelling for departments and decision-makers. Command-grade deployment covers mission platforms such as SACAP for events at national scale.

InQAI's State Intelligence group covers State Intelligence, Administrative Intelligence, CMO Intelligence, Health Intelligence, InQAI Intelligence and Khumba AI. Each one is an intelligence surface on the same sovereign foundation rather than a separate stack, and all of them are reachable from the InQAI page.

InQAI is DPDP-aligned and consent-driven by design rather than compliance retrofitted after the product exists. It runs on encryption and access control, keeps end-to-end logs for audit-ready traceability, uses transparent and explainable models, tests for bias and fairness, and keeps a human in the loop on every critical decision.

Yes. InQAI is built on Indian soil and deployed inside sovereign cloud regions under Indian law, rather than being processed or stored outside Indian jurisdiction. The architecture is DPI-compatible, NIC-aligned and API-first, so it interoperates with India's Digital Public Infrastructure and state systems instead of sitting beside them.

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.

Fin100X.AI Pvt. Ltd. is based in Maharashtra, India. Its first government deployment targets the Government of Maharashtra through MahaIT and the Chief Minister's Office, ahead of expansion to additional states and central institutions.

Fin100X.AI is best described as AI-native intelligence infrastructure rather than a traditional fintech. It provides intelligence layers across financial services, compliance, and governance. Fin AI serves financial intelligence, but the company's scope extends to regulatory and sovereign public-sector AI.

it follows DPDP Act 2023 principles, keeps regulated financial transactions with licensed partners, never guarantees returns, and builds human oversight and explainability into its AI across all products.

Fin100X.AI's vision is to build India's sovereign AI intelligence infrastructure responsible, compliance-first, and India-controlled serving institutions, regulators and government across financial services and public administration. Starting in Maharashtra and expanding nationally, it aims to make trustworthy, explainable AI the foundation for governance, welfare, and financial intelligence at scale.