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Sarvam AI
AI Platform · Document Intelligence

Welcome to Sarvam's BFSI Document Intelligence

Upload any financial document. Get instant analysis, hidden charge detection, and voice explanations in 8 Indian languages.

GTM Strategy
54
Use Cases
8
Languages
5
Sarvam APIs

54 use cases

Lending

Credit Card Statement Analyzer

Find the real interest rate, minimum payment trap, and hidden fees

Insurance

Health Insurance Analyzer

Analyze health policy — coverage gaps, sub-limits, co-pay traps, waiting periods

Lending

CIBIL/Credit Score Analyzer

Decode your credit report — score factors, disputes, loan inquiries, and improvement tips

Lending

Home Loan Document Analyzer

Decode home loan — EMI vs tenure impact, MODT charges, tax benefits, prepayment

Banking

Bank Statement Analyzer

Analyze spending patterns, find hidden charges, track recurring debits

MF & Wealth

MF Factsheet Analyzer

Decode mutual fund factsheets — real expense ratio impact, benchmark comparison, risk

Lending

Personal Loan Terms Decoder

Decode the fine print — flat vs reducing rate, real APR, penalty traps

Payments & UPI

UPI Transaction Dispute Guide

Failed UPI payment, double debit, wrong transfer — understand dispute process and timelines

Insurance

Life Insurance Decoder

Decode term plans, endowments, ULIPs — find the real returns and hidden costs

Banking

FD Receipt Explainer

Understand your fixed deposit — interest calculation, TDS, premature withdrawal penalty

Tax & Compliance

Form 16 / TDS Certificate Decoder

Decode your salary TDS certificate — verify deductions, exemptions, and tax computation

Pension & Retirement

EPF Passbook Analyzer

Decode your EPFO passbook — interest calculation, withdrawal rules, pension eligibility

Banking

Loan Agreement Decoder

Decode loan terms — real interest rate, hidden fees, prepayment penalties, foreclosure rules

Insurance

Motor Insurance Claim Guide

Understand your motor policy — own damage, third party, NCB, and claim process

Tax & Compliance

Old vs New Tax Regime Calculator

Which tax regime saves more? Voice-based — tell your income and deductions, get the answer

Tax & Compliance

Form 26AS / AIS Analyzer

Decode your tax credit statement — TDS credits, advance tax, high-value transactions, mismatches

MF & Wealth

CAS Statement Analyzer

Analyze CAMS/KFintech Consolidated Account Statement — all your MF holdings in one view

MF & Wealth

NPS Statement Analyzer

Decode NPS statement — asset allocation across tiers, fund performance, annuity projections

Stock Broking

Research Report Translator

Translate equity research reports to your client's language with voice narration

Stock Broking

Contract Note Decoder

Decode trade confirmations — understand every charge, tax, and settlement detail

Stock Broking

Demat Statement Analyzer

Analyze your holdings — sector allocation, concentration risk, corporate actions

MF & Wealth

Portfolio Voice Summary

Paste your MF holdings — get a voice summary of asset allocation, risk, and rebalancing advice

MF & Wealth

Client Voice Intake

For advisors — record client needs by voice, get a structured financial profile + recommendation

Stock Broking

IPO RHP Analyzer

Decode Red Herring Prospectus — valuation, risks, promoter history, use of funds

Stock Broking

Margin & Pledge Report

SEBI-mandated margin statement — understand pledged holdings, margin utilization, shortfall

Banking

PPF/SSY Passbook Analyzer

Analyze PPF or Sukanya Samriddhi — interest calculation, maturity projection, tax benefits

Banking

KYC/CKYC Status Checker

Understand KYC status, CKYC number, re-KYC requirements, and what documents you need

Insurance

Claim Settlement Letter Decoder

Decode claim settlement or rejection — understand deductions, sub-limits applied, and appeal rights

Insurance

ULIP Benefit Illustration

IRDAI-mandated ULIP illustration — decode charges, real returns vs projected, surrender traps

Lending

Loan Restructuring Terms

Decode EMI moratorium, loan restructuring, or one-time settlement — hidden costs and credit impact

Tax & Compliance

Capital Gains Tax Statement

Decode STCG, LTCG, grandfathering — understand tax on stocks, mutual funds, and property

Tax & Compliance

SEBI/RBI Circular Simplifier

Paste any SEBI or RBI circular — get a plain-language explanation of what it means for you

Payments & UPI

UPI AutoPay / Mandate Manager

Track all your UPI autopay mandates — SIP, insurance, subscriptions — manage and cancel

Payments & UPI

Digital Lending Agreement Decoder

Buy-now-pay-later, app loans, fintech lending — decode the real APR and hidden terms

Stock Broking

Earnings Call Summarizer

Paste earnings call transcript — get key takeaways, guidance changes, and management tone in your language

Stock Broking

Corporate Action Explainer

Bonus, split, rights issue, buyback, merger — explain what it means for your shares

Banking

NRI Account Guide

NRE vs NRO vs FCNR — repatriation rules, tax implications, and which account you need

Banking

Cheque Return Memo Decoder

Why was your cheque bounced? Understand return reasons, legal implications, and next steps

Insurance

Policy Comparison Tool

Compare two insurance policies side-by-side — coverage, premium, exclusions, and which is better for you

Insurance

Insurance Grievance Generator

Claim rejected or underpaid? Generate a structured grievance letter to insurer, ombudsman, or IRDAI

Lending

Gold Loan Terms Decoder

Muthoot, Manappuram, bank gold loans — understand LTV, interest, auction risk, renewal traps

Lending

Education Loan Analyzer

Decode education loan — moratorium period, interest subsidy, co-borrower liability, tax benefits

Lending

Microfinance / SHG Loan Decoder

JLG, SHG, microfinance loans — understand flat vs reducing rate, group liability, and real APR

Tax & Compliance

ITR Form Selector & Guide

Which ITR form should you file? Based on your income sources — salary, business, capital gains, property

Payments & UPI

NACH / ECS Mandate Tracker

Track all NACH/ECS auto-debits — EMIs, insurance, SIPs — with cancellation guide

Payments & UPI

Cross-Border Remittance Guide

LRS rules, forex rates, TCS on remittance, purpose codes — for sending money abroad

Pension & Retirement

Gratuity Calculator & Guide

Calculate gratuity — eligibility, formula, taxation, and what happens if company refuses to pay

Pension & Retirement

EPS Pension Estimator

Estimate your EPS pension at 58 — service history, higher pension option, family pension

MSME & Business

GST Return Analyzer

Decode GSTR-1, GSTR-3B — ITC mismatches, late fees, reconciliation issues

MSME & Business

MUDRA / MSME Loan Decoder

Decode MUDRA (Shishu/Kishore/Tarun), CGTMSE, Stand-Up India, and ECLGS loan terms

MSME & Business

Business Credit Report Decoder

CRISIL, D&B, CreditMantri business ratings — understand your company's credit profile

Agriculture & Rural

Crop Insurance (PMFBY) Decoder

Pradhan Mantri Fasal Bima — understand coverage, premium subsidy, claim process in your language

Agriculture & Rural

Kisan Credit Card (KCC) Decoder

KCC loan terms — crop loan vs term loan, interest subvention, repayment, and renewal

Agriculture & Rural

PM-KISAN Status & Benefits Guide

Track PM-KISAN installments, eligibility issues, eKYC status, and other government schemes

The Full Sarvam Stack

Every use case runs the complete pipeline end-to-end

saaras STT
Voice → Text
sarvam-m
Understand & Reason
mayura
Translate (8 langs)
bulbul TTS
Text → Voice

Why BFSI Clients Choose This

Real numbers from real document workflows

90%
Reduction in manual doc review
From 45 min → 4 min per document
8
Indian languages supported
Hindi, Tamil, Telugu, Kannada, Bengali, Marathi, Gujarati, English
54
Production-ready use cases
Insurance, lending, banking, investments, tax
< 5s
Average response time
Full pipeline: OCR + LLM + Translate + TTS
White-Label Ready
One API, infinite brands. Swap colors, logos, and deploy for any institution in minutes.
Voice-First UX
Speak in any language, get answers spoken back. No typing needed — built for Bharat.
Document Intelligence
Upload any Indian financial doc — statements, policies, loan agreements — get instant analysis.

Built by Rishabh Balabomma

A production-ready BFSI demo showcasing the complete Sarvam AI stack — sarvam-m LLM, saaras STT, bulbul TTS, mayura Translate, and Vision OCR — across 54 real-world Indian financial use cases in 8 languages. White-label ready for any institution.

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