Dhivix Finserv- AI-Assisted Financial Services Platform

Simplifying Financial Access for India

An AI-assisted platform designed to integrate with Digital Public Infrastructure, creating a unified gateway for financial services, government schemes, and compliance requirements.

1️⃣ Problem We Solve (India-Focused)

Fragmented Banking KYC & Compliance

Multiple verification processes across different financial institutions create friction and delays.

Multiple Portals & Platforms

Citizens need to navigate separate systems for GST, Udyam, ITR, schemes, and loans.

Discovery Challenges

Citizens, students, MSMEs, and entrepreneurs struggle to find the right schemes, loans, and insurance options.

Manual Paperwork & Digital Divide

Extensive paperwork, delays, and lack of digital awareness limit access to financial services.

2️⃣ Services / Modules

Digital Customer Profiling (DCP)

Aadhaar-masked profile linking PAN, mobile and bank accounts for seamless verification.

Aadhaar e-KYC & e-Sign

OTP/biometric verification with phased integration aligned with regulatory frameworks.

PAN Verification & Auto-Seeding

Seamless PAN validation and linking with other financial identifiers.

Mobile Number Linking

Secure mobile verification for OTP-based authentication and notifications.

GST, Udyam & ITR Services

Guidance and assistance with tax registrations, compliance, and filing processes.

Business Registration Support

Company, LLP, firm & trademark registration guidance to simplify startup processes.

Government Welfare Schemes

Discovery and application assistance for PMJJBY, PMSBY, APY, PM-KISAN, scholarships, and pensions.

Subsidies & Grants

Central & State government subsidies, grants & entrepreneurship programs tailored to user profiles.

Loan Discovery & Facilitation

Options from public banks, private banks & NBFCs with eligibility pre-assessment.

Financial Documentation

Project report & financial document preparation for loans, subsidies, and grants applications.

Insurance Discovery

Commission-based insurance discovery and enrollment assistance based on user needs.

Unified Digital Document Vault

Secure storage for personal, educational, employment & business documents with controlled sharing.

3️⃣ How AI Is Used

Eligibility Assessment

AI-assisted analysis of user profiles to determine eligibility for schemes, loans, and subsidies based on multiple parameters.

Intelligent Matching

Connects users to relevant financial products and government schemes based on their profile, needs, and eligibility.

Document Processing

AI-assisted classification, validation, and extraction of information from submitted documents to streamline workflows.

Mismatch Detection

Identifies inconsistencies across Aadhaar, PAN, GST, and profile information to ensure data integrity and compliance.

4️⃣ Target Beneficiaries

Citizens & Account Holders

Individuals seeking streamlined access to financial services and government welfare schemes.

Students

Young learners seeking scholarships, education loans, and career development opportunities.

Job Holders

Working professionals looking for financial planning, tax assistance, and investment opportunities.

Entrepreneurs

Startup founders navigating business registration, funding, and compliance requirements.

MSMEs & Early-Stage Companies

Small businesses seeking growth capital, subsidy programs, regulatory compliance assistance, and market opportunities.

Product Stage: Early-stage. Designed in alignment with IndiaAI, Digital Public Infrastructure (DPI), and financial inclusion objectives.