Banking Made Simple
for every Indian.
Meet Saathi — a warm, multilingual AI companion that helps you bank by voice or text in 20+ Indian languages. No forms to fear, no jargon to decode. Just ask, and get clear guidance.
20+ Languages
Speak or type in the language you think in.
Safe & Private
Bank-grade security. We never ask for your PIN or OTP.
Available 24/7
Always awake, always patient — day or night.
Speak the way you're most comfortable — in 20+ languages
What would you like to do today?
Jump straight in — everything is just a tap away.
People we can reach
Languages supported
Always here to help
Real impact, for everyone
How Saathi creates value for customers, for SBI, and for an inclusive, digital-first India.
Benefits for Customers
Banking becomes approachable for everyone — regardless of language, literacy, or experience.
- Guidance in your mother tongue
- No fear of asking 'basic' questions
- Help available any time, day or night
- Stay protected from fraud and scams
Benefits for SBI
A scalable assistant that deepens customer relationships while easing the load on branches and call centres.
- Lower support costs at scale
- Higher product awareness & adoption
- Consistent, compliant guidance
- Reach under-served customers
Rural Banking Inclusion
Bringing trusted banking support to villages and small towns where branches are far and literacy varies.
- Voice-first for low-literacy users
- Works on basic smartphones
- Awareness of welfare schemes
- Bridges the last-mile gap
Digital Adoption Statistics
India's digital banking momentum shows just how many people a multilingual assistant can empower.
- 500M+ potential users reachable
- 20+ languages spoken across India
- UPI now part of everyday payments
- Mobile-first growth in rural areas
Future Roadmap
Where Saathi is headed next — deeper personalisation and even wider, more inclusive coverage.
- More regional languages & dialects
- Offline & low-bandwidth modes
- Proactive money-health nudges
- Deeper accessibility support
Everything you need, in one friendly place
Saathi brings together the help that usually feels scattered — all explained simply, the way a good friend would.
Talk in your language
Speak or type in 20+ Indian languages. Saathi listens, understands, and replies the way you're most comfortable.
Friendly money guidance
From your first savings account to planning ahead — get clear, jargon-free help whenever a question pops up.
Suggestions that fit you
Tell us a little about yourself and we'll point you to the products and steps that actually make sense for you.
Find schemes you may have missed
Discover government schemes you could be eligible for, with simple steps on how to apply.
Stay safe from fraud
Learn to spot scams and protect your money with easy, practical tips you can use right away.
Learn at your own pace
Bite-sized lessons on savings, UPI, credit and more — explained like a friend would, not a textbook.
Features built around you
From your first question to your next financial step — here's how Saathi helps, every day.
Multilingual Support
Bank in the language you think in. Saathi understands and replies in 20+ Indian languages.
- 20+ Indian languages
- Auto language detection
- Switch languages mid-chat
Voice Assistant
Just speak — no typing needed. Perfect for users who find reading or typing difficult.
- Speak instead of type
- Spoken answers back to you
- Great for low-literacy users
Personalized Recommendations
Tell Saathi a little about yourself and get product suggestions that genuinely fit your needs.
- Tailored to your profile
- Right products, right time
- Clear, jargon-free reasons
Financial Literacy
Learn money basics at your own pace — savings, credit, fraud safety and more, explained simply.
- Bite-sized friendly lessons
- Savings, credit & budgeting
- Spot and avoid scams
Digital Payment Guidance
Step-by-step help with UPI, mobile banking and safe digital payments — without the fear.
- Activate & use UPI
- Safe payment habits
- Troubleshoot common issues
Government Scheme Assistance
Discover government schemes you may be eligible for and get simple steps on how to apply.
- Check your eligibility
- Simple application steps
- Never miss a benefit
How it works
Four simple steps — that's all it takes to get help you can actually use.
Say hello
Ask anything in your own words — by voice or text, in your language.
We understand you
Saathi figures out what you need and asks a couple of friendly questions if needed.
Get clear guidance
Receive simple, personalised answers and next steps — no banking jargon.
Move forward with confidence
Take action knowing exactly what to do, with Saathi by your side anytime.
From your words to clear guidance
A look at the journey every question takes — from the moment you ask to the answer you can act on.
User Interaction
You start a conversation the way that feels natural — speaking or typing in any of 20+ Indian languages.
- Voice or text input, your choice
- Works in 20+ Indian languages
- No banking jargon required
AI Processing
Saathi transcribes speech, detects your language, and understands the real intent behind your question.
- Speech-to-text & language detection
- Intent and entity recognition
- Context kept across the chat
Agent Workflow
The right tools kick in — matching schemes, building recommendations, and pulling verified banking knowledge.
- Scheme eligibility matching
- Personalised recommendations
- Grounded in trusted knowledge
Response Generation
You get a clear, friendly answer with simple next steps — replied back in your own language, by voice or text.
- Plain-language, jargon-free replies
- Actionable next steps
- Spoken back in your language
Government help you might be eligible for
Lakhs of people miss out on schemes simply because they don't know about them. Answer a few quick questions and Saathi will find the ones meant for you — with simple steps to apply.
Check my eligibilityPM Jan Dhan Yojana
Open your first bank account with no minimum balance.
Atal Pension Yojana
A guaranteed monthly pension after 60, from small savings.
PMJJBY & PMSBY
Life and accident cover for just a few rupees a year.
Sukanya Samriddhi
High-interest savings for your daughter's future.
Real people, real confidence
Saathi is already helping people across India feel at ease with their money.
“I always felt scared asking at the bank. Saathi explained UPI in Hindi so patiently — now I pay for everything on my phone.”
“It found two government schemes I never knew I qualified for. The steps to apply were so clear and simple.”
“Like talking to a helpful friend, not a machine. It never made me feel small for asking basic questions.”
Built with banking-grade trust
Your safety comes first. Here's how we protect your privacy and keep every interaction secure.
End-to-End Encryption
Every conversation travels over encrypted TLS/HTTPS. Your words are protected in transit, end to end.
Responsible & Safe AI
Saathi is built with guardrails — it gives general guidance, avoids risky advice, and never asks for secret credentials.
Fraud Prevention
We actively teach you to spot scams, and we never request your PIN, OTP, password or full card number.
Banking Compliance
Designed around banking-grade practices: audit logging, data minimisation, and clear privacy controls.
Strong Authentication
Token-based sessions, OTP step-up verification and automatic session timeouts keep accounts protected.
Privacy by Design
We collect only what's needed, are transparent about usage, and put you in control of your data.
Questions? We've got you
A few things people often ask before they get started.
Yes. Chatting with Saathi, getting recommendations, and discovering schemes are all completely free.
Ready to bank with confidence?
Saathi is here whenever you need a hand — patient, friendly, and always in your language.