Her Voice, Her Savings, Her Future—Empowering Dreams through AiLaxmi
AiLaxmi is a voice-first AI companion on WhatsApp that helps its users to build savings habits, protect their money from inflation, and eventually participate in India’s capital markets — without ever touching their money.
Innovation for Impact
AiLaxmi is at the heart of the BankersKlub India Foundation’s programmatic interventions, as our proprietary, free, voice-first AI companion. It serves as the cornerstone of our ‘innovation for impact’ strategy. More than just a tool, AiLaxmi is a paradigm shift in how India approaches its financial inclusion goals. By enabling high-fidelity financial management through simple voice conversations on WhatsApp, we can effectively dismantle the triple barriers of literacy, technology, and trust that have long kept underprivileged and underserved women and semi-skilled youth on the fringes of the formal economy.
Our unique "No-Custody" model is our core USP: AiLaxmi guides beneficiaries to build robust savings habits and navigate money market instruments without ever taking possession of their funds. By ensuring that every rupee stays securely in the user’s own account while fostering the confidence to invest, AiLaxmi transforms passive account holders into active capital market participants. In doing so, BKIF doesn’t just fulfill a mandate; we revolutionize the government’s vision of Atmanirbhar Bharat by giving every Indian the digital voice to command their own financial destiny and growth.
AiLaxmi in Our Pilot Villages
BKIF introduces AiLaxmi to every woman in its financial capability pilot across villages in Haryana, so learning continues long after the training session ends.
Building on an early trial in Majuli, Assam, BKIF aims to replicate the model across India.
of our first cohort remembered or mentioned AiLaxmi 40 days after training.
Not Another One-Time Training
What Others Do
- One-time classroom training
- Generic Hindi content
- Handle your money
- Push products for commissions
- Require literacy
- Disappear after programme ends
What AiLaxmi Does
- Daily AI companion that builds habits over months
- Voice-first in 22 Indian languages, culturally rooted
- NEVER touches money — only educates
- Never pushes — only teaches and lets you decide
- Voice-only — no reading required
- Always available on WhatsApp
Millions of women in rural India are financially invisible.
Many earn small, irregular incomes. They keep cash at home — vulnerable to theft, emergencies, and inflation. They have Jan Dhan bank accounts they don't use. Few have ever been taught how to save, budget or invest.
And after chit fund and Ponzi scams have wiped out the savings of millions of depositors across India, many trust no one with their money.
No app, bank, or government scheme has solved this because the problem isn't access — it's trust and habit.
Three Things Have Converged to Make AiLaxmi Possible
AiLaxmi Speaks Your Language
AiLaxmi can already speak around 22 Indian languages, with many more on the way. Open-source Indian language AI models now make natural voice conversations possible at near-zero cost. This was impossible even 2 years ago.
SEBI Opened the Door
Micro SIPs at small monthly amounts, with simplified KYC, mean a woman with a small income can legally participate in India’s equity markets for the first time.
WhatsApp is Already There
No app download is needed. The platform is already on their phones and already trusted.
AiLaxmi is built by its committed and passionate Founder, Manideep Bora. He lives by one non-negotiable principle: we will never betray the trust of women who have already been betrayed in the past.
- We will never touch their money
- We will never promise returns
- We will never hide our finances
- We will grow slowly and honestly
- We will shut down before we compromise
The women of India don't need another scheme. They need a friend they can trust. That's what AiLaxmi is.
Sankalp se Shakti, Shakti se Samriddhi
Aapka Sankalp, Uski Shakti — Milkar Rachein Behtar Kal.
Help a woman in rural Haryana learn to budget, save and borrow safely, so her decisions protect her family's future.
Help More Women Make Confident Money Decisions
₹1,000 trains one woman to budget, save and borrow safely. Your gift reaches villages where no one has explained these choices before.