Banking that moves smarter with you
Manage, understand and grow every customer relationship with ease. Whether you advise, cross-sell or safeguard — IDBI SARTHI is built to empower every kind of Relationship Manager.
Transform how RMs serve customers — smart, seamless, AI-powered.
IDBI SARTHI turns scattered banking data into clear, confident action — so every conversation starts with context and ends with a decision.
Visualise a customer’s cashflow, spot trends and guide budgets in real time with AI.
Grounded, cited answers over bank policy — whether it’s eligibility, savings or paying down debt.
A minimum CIBIL score of 750 is required, with income eligibility and a FOIR under 50% POL-001.
A weighted, six-factor score every RM can defend — with a transparent breakdown behind every single point.
Your workflow, simplified in 3 steps
No training required. IDBI SARTHI meets RMs where they work and hands them intelligence, not homework.
Role-based access with RM, manager, compliance & admin roles. Each RM lands in their own book — nothing more.
A 360° profile — accounts, transactions, health, risk and KYC — assembled and scored in one view, instantly.
Grounded, cited answers, next-best-actions and explainable scores. Advise and act with confidence.
Powering the modern Relationship Manager
Thirteen integrated modules — here are six that RMs reach for every day.
Unified profile with accounts, transactions and live risk signals.
A weighted 0–900 score with a transparent 6-factor breakdown.
12-month default probability with SMA staging and drivers.
SHAP-style attribution so every recommendation can be justified.
Hybrid retrieval over bank policy with grounded, cited answers.
OCR, KYC validation and Customer-360 cross-checks in seconds.
Everything you need, all in one dashboard — clarity, control and insight at a glance.
Profile, health, risk and next-best-actions in a single, unified view — so every RM opens a customer already knowing exactly where to focus.
The right view for every role
Access is scoped by responsibility — powerful for the front line, complete for oversight.
- Own customer book only
- Customer 360 · health · risk
- AI assistant & next-best-actions
- Document KYC verification
- Full portfolio visibility
- Cross-RM analytics & leads
- All RM capabilities
- Team performance signals
- Knowledge-base ingestion
- Corpus & policy management
- Full portfolio access
- Audit-log oversight
“We built IDBI SARTHI so an RM can walk into any conversation already knowing the customer — and back every recommendation with a reason, not a guess.”
Built to banking-grade security
Hardened against the OWASP Top 10 and reviewed for RBI / DPDP / UIDAI expectations — because RM tooling handles the most sensitive data a bank holds.
Every route is session-gated, with roles for RM, manager, compliance & admin.
RMs see only their own book — out-of-book access returns 404, zero enumeration.
Aadhaar, PAN, account, phone & email masked and scrubbed from OCR (UIDAI/DPDP-aware).
Access, uploads, LLM queries & auth events logged for RBI/DPDP-grade accountability.
Supabase RLS, server-side secrets, strict CSP, HSTS & security headers everywhere.
Per-user rate limiting, prompt-injection defenses and citation validation.
Explore fresh ideas.
Discover the future of banking AI.
Why SHAP-style attribution turns a score into a story an RM — and a customer — can actually believe.
Read moreA look under the hood of a transparent 0–900 model, and how each factor moves the needle.
Read moreHybrid retrieval, citation validation and prompt-injection defenses that keep answers honest.
Read moreHave questions about the platform?
Everything about data, decisions and readiness — before you trust a tool with your customers.
Try the demoSee IDBI SARTHI in action
Sign in with a demo Relationship Manager account and explore the full copilot end-to-end.