Yosha.ai

Industries/Yosha FinancePlanned · future expansion

Banking answers,
backed by the rulebook.

Yosha Finance reads every RBI, NPCI, SEBI and IRDAI rule — so every desk answers fast, in the customer's language, with the source attached.

Grounded inRBINPCIIRDAISEBIPFRDARBI Ombudsman

How an answer is made
  1. Someone asksFrom the branch counter

    ₹4,500 debited but the UPI transfer failed. When does it come back?

  2. Rule foundRBI · NPCI

    RBI TAT harmonisation circular · 20 Sep 2019

  3. Answer with sourceAn officer checks it

    Auto-reversed by T+1. After that, ₹100 for each day of delay — no request needed.

Illustrative · every answer carries its source
Why Yosha Finance

Less time in the rulebook.
More time with customers.

Answers with the source

Ask a policy question in plain words. The answer comes back with the circular, clause and date it rests on.

Question in · circular, clause, date out

In the customer's language

Replies are written in the language the customer used, with the English clause kept underneath for the record.

Tamil in · Tamil reply + English clause

Paperwork checked first

KYC packets, loan files and complaints are checked against the rules before they move — gaps listed, deadlines tracked.

KYC packet · Loan file · Complaint

6

Regulators covered

RBI, NPCI, IRDAI, SEBI, PFRDA, RBI Ombudsman.

6

Desk tools

Branch, operations, credit, compliance and grievance desks — on one banking model.

6

Languages

English, Hindi, Bengali, Tamil, Telugu, Marathi.

The platform

Six desk tools. One banking brain.

From the branch counter to the compliance desk, every tool answers from the same rulebook — and nothing reaches a customer without its source.

Circular DeskBranch · policy question
A UPI transfer failed but the customer's account was debited. When must it come back?
It must be reversed automatically by T+1 — the day after the transaction. After that, the bank pays ₹100 for each day of delay, without the customer having to ask.RBI/2019-20/67TAT harmonisation · 20 Sep 2019
No source, no answer — unsupported questions are refused

For Branch & support. Ask a policy question in plain language and get the answer with the circular, clause and date attached to it.

Screens are previews of how each tool is designed to work. The tools ship in phases.

Who it's for

One banking assistant.
Every desk in the bank.

Front desks answer customers. Back offices check files. Compliance tracks the rules. Underneath, it is the same cited rulebook — only the job changes.

Branch & support desksDesk

Answer every customer in their language.

A failed payment, a charge, a complaint — the desk gets a clear, correct reply in seconds, with the circular it comes from.

  • The customer writes in their own language.
  • Yosha drafts the reply with the rule attached.
  • An officer checks it, then sends it.
Now replying in
हिन्दी Hindiবাংলা Bengaliதமிழ் Tamil
YYosha Finance · Support deskDrafting in Hindiहिन्दी
Customerमेरे खाते से ₹4,500 कट गए, पर UPI ट्रांसफ़र नहीं हुआ। पैसा कब वापस आएगा?₹4,500 was debited but the UPI transfer failed. When will I get it back?
Draft reply

आपका पैसा अपने-आप वापस आएगा। आगे यह होगा:Your money will come back on its own. Here is what happens:

  1. 1अगले दिन (T+1) तक राशि आपके खाते में लौट आएगी।It is returned to your account by the next day (T+1).
  2. 2देर होने पर बैंक हर दिन के लिए ₹100 मुआवज़ा देगा।If it is late, the bank pays ₹100 for each day of delay.
  3. 3फिर भी न मिले तो बैंक से शिकायत करें, फिर RBI लोकपाल से।Still not back? Complain to the bank, then to the RBI Ombudsman.
Based onRBI TAT circular · 20 Sep 2019
An officer approves before it is sentApprove & send
Packet checkPreview
PANok
Aadhaar addressok
Address proofstale
Owner declarationmissing
Re-KYC packet2 gaps · back to branch
KYC & operationsDesktop

Fix the file before it bounces.

Each document is checked against the KYC rules, and every gap is listed with the clause behind it.

Circular impactPreview
RBINew circular · failed-payment TAT
ProductsUPIIMPS
ProcessesAuto-reversal
LettersReversal notice
Impact map3 owners assigned
Compliance & riskDesktop

Know what a circular changes.

A new rule is mapped to the products, processes and customer letters it touches — with an owner for each.

Complaint clockPreview
Failed UPIday 15/30
ATM cash shortReply drafted
Card chargeday 9/30
Then the RBI Ombudsman
Grievance cellsDesktop

Never miss a deadline.

Every complaint runs on its 30-day clock, and replies are drafted to stand up before the Ombudsman.

Knowledge

Grounded in the rulebook.
Fluent in your customer's language.

Answers come from the regulators' own text — circulars, master directions and guidelines — and the newest version replaces the old one as it is published.

Regulators
  • RBI
  • NPCI
  • IRDAI
  • SEBI
  • PFRDA
  • RBI Ombudsman
Products
  • Savings & current accounts
  • UPI · NEFT · RTGS · IMPS
  • Debit & credit cards
  • Retail loans
  • MSME & trade finance
  • Deposits & recurring deposits
  • Insurance & pension products
  • Government schemes
Channels
  • Branch counter
  • Contact centre
  • Mobile & internet banking
  • Business correspondents
  • Relationship managers
  • Grievance portal
  • WhatsApp banking
Languages
  • English
  • Hindi
  • Bengali
  • Tamil
  • Telugu
  • Marathi
Security

Customer data
stays in the bank.

Yosha Finance is installed on the bank's own servers. Customer records, searches and logs never go to an outside cloud.

Your bank's network
Yosha Finance model
Customer records
Search index
Audit logs
Blocked
Outside cloud & other banks

Runs inside the bank

Installed on the bank's own servers. Nothing is shared with other institutions.

Customer data never leaves

Account records and transactions stay in the bank's own network.

Private search

The index of circulars and bank policies is built and kept on your servers.

Every answer logged

Each question, answer and citation is logged, and only the bank holds the logs.

Cite, or stay silent

If the rule can't be found, Yosha says so instead of guessing.

No money moves

Postings, reversals and limit changes always need an authorised officer.

Indian banking, made clear.

Policy answers, checked paperwork and customer replies — every one traceable to a circular.