CDPG National Finals — IIM Bangalore — Policy & Regulation Track
Income Sathi (आय साथी)
Helping irregular-earning households earning ~₹30,000/month understand what they can afford, pick their next financial priority, and take an informed action.
DPI-First Consent
Leverages RBI-regulated Account Aggregators (Sahamati CT008) for personal finance management without debt trap surveillance.
Explainable Determinism
No black-box hallucinated AI advice. Clear arithmetic verified against deterministic rules across 7-day cash flows.
Platform Sponsorship
Platforms sponsor at ₹25/worker/mo to prevent costly churn (₹2,000 replacement), behind a strict fiduciary privacy firewall.
Household Baseline: ~₹30,000/month • B2B2C Sponsorship