Introducing

SAKHA - AI

Banking that Thinks.
Banking that Guides.
Banking that Grows with You.

An Agentic Banking Companion designed to seamlessly orchestrate your entire financial life.

0%
Consumers choose banks based on personalized experiences
0%
Receive absolutely no personalized financial guidance
0%
Abandon digital banking applications due to friction

The Current Journey

Why standard banking apps are losing engagement.

Open Account
Use UPI
Never Explore
Bank loses engagement

SAKHA means
Friend.
Guide.
Trusted Companion.
Mentor.

Exactly what banking should become. This shifts the paradigm from a transactional interface to a lifelong relationship.

This is NOT a chatbot.

This is an Agentic Banking Companion.

Why not ChatGPT?

The difference between a generic wrapper and a true banking agent.

Generic AI SBI SAKHA - AI
Generic SBI Specific
No Banking Context Deep Banking Knowledge
No Memory Persistent Customer Memory
Reactive Proactive
No Banking APIs Integrated with Core Banking

The SAKHA Ecosystem

A multi-agent architecture working in perfect synergy.

SAKHA Aarambh

Customer Onboarding

Simplifies KYC and account creation via document vision and conversational guidance.

SAKHA Nivesh

Investment Advisor

Analyzes portfolios and suggests tailored Mutual Funds based on risk appetite.

SAKHA Suraksha

Fraud Protection

Monitors patterns, blocks suspicious activity, and maps life risks to insurance policies.

SAKHA Mitra

Customer Engagement

Acts as a daily financial companion mapping life goals to banking features.

SAKHA Pragati

Financial Growth

Credit specialist that instantly calculates EMI eligibility and manages loan origination.

SAKHA Sampark

Relationship Manager

Maintains conversational context across WhatsApp, Web, and Voice seamlessly.

One Story

People remember stories, not features. Meet Rahul.

Rahul joins SBI
Opens his first account online from his phone.
AI Onboarding
SAKHA Aarambh guides him in his native language and completes Video KYC seamlessly.
Salary Credited
SAKHA Mitra acts as his daily companion, dynamically congratulating him on his first paycheck.
Suggests SIP
SAKHA Nivesh analyzes his portfolio and sets up automated mutual fund investments.
Detects Fraud
SAKHA Suraksha instantly detects and blocks a suspicious overseas transaction.
Helps Home Loan
SAKHA Pragati tracks his financial growth and pre-approves an EMI plan for his new house.
Retirement Planning
SAKHA Sampark maintains his context on WhatsApp for a lifelong banking relationship.

Technology Architecture

Clean, simple, highly scalable.

Customer
SAKHA - AI
AI Agents
Knowledge
SBI APIs
Response

Why SBI Wins

What executives actually care about.

↑
Acquisition
↑
Digital Adoption
↑
Cross Selling
↓
Support Cost
↓
Fraud

Future Vision

The roadmap to 2026 and beyond.

Idea
Prototype
Pilot
Rollout
Every SBI Customer

Hackathon Details

Theme
Agentic AI for Customer Acquisition, Digital Adoption & Customer Engagement
Project Title
SBI SAKHA - AI
Team Details
Solo project Mahesh Morde - Software Engineer at Platform Commons Foundation
Brief Description
An orchestrated ecosystem of specialized AI agents acting as dedicated Agentic Banking Companions for every customer.
Proposed Solution
Deflects support costs and exponentially increases cross-selling. Highly scalable Enterprise SaaS platform.
Technology Stack
Angular, Python, FastAPI, LangGraph, OpenAI, Azure, PostgreSQL.
Demo Video Link
Coming Soon
GitHub Repository Link
github.com/mahesh-morde/sbi-sakha-ai

Imagine an SBI where
every customer
has a trusted
Agentic Banking Companion.

SBI SAKHA - AI

Coming Soon