India-native · The Mukodi Office

India's own AI for financial intelligence.

Named specialists. One adversarial courtroom. Eight Indian languages. Built in India, for Indian money, Indian tax law, and Indian life — your finances in the custody of a team that speaks your tongue and argues every ₹-decision before it reaches you.

Hire the house (business) For individuals Get notified when the app ships
33 registered models8 Indian languagesSub-200ms verdictsHash-chained audit
The Mukodi Office · cross-section

One building. Five storeys. Seven specialists. Nine rooms.

The office is the metaphor and the architecture. Seven studios on floor two house the seven specialists. The Courtroom argues every consequential decision in the centre of floor one. The Observatory watches every model on the roof. The Guardroom holds the event stream below.

Meet the seven · Seven specialists · Seven crafts

One house. Seven specialists. Each owns one discipline.

Filer handles your taxes. Payer settles your bills. Watcher catches fraud. Planner forecasts. Saver moves money toward your goals. Tracker audits the subscriptions. Coach keeps the whole house balanced. Each speaks in her own voice, in eight Indian languages.

Filer

Tax Planner

"Your return is due on the 15th. I've drafted it. Read it when you have five minutes."

Filed 418 returns this fiscal year

Payer

Bill Payment

"Electricity bill paid. Meter reading attached. You're ₹412 under last month."

Paid 4,211 bills this month. 99.7% on time

Watcher

Fraud Sentinel

"Blocked. Card ending 4021, merchant in Ho Chi Minh. Explain if I was wrong."

Blocked 1,203 fraud attempts today

Planner

Prediction Engine

"By October you'll have a cashflow dip. Starts when the school fee hits. Want me to plan around it?"

Read 8,412 news articles before breakfast

Saver

Savings Optimizer

"Twelve hundred to the Goa fund this week. Small steps. I'll keep going."

Routed ₹2.14 Cr into goal buckets this quarter

Tracker

Subscription Auditor

"Three subscriptions haven't been opened in six months. ₹2,170 a year. Keep them?"

Cancelled 1,847 dead subscriptions this month

Coach

Budget Guardian

"You spent less on takeout this week. Nothing to report. Sleep well."

Checked in on 312 users with slipping plans
Try the house · No signup · Mocked at the edge

Three exhibits. Argue, file, ask.

Type a claim and watch the Courtroom argue. Type a transaction and watch the Tracker file it. Ask the house anything and read Coach's answer with three stamps. The mobile app arrives with the public launch — store links go live then.

Demo · Courtroom

Make a claim. See it argued.

Type any decision. Proposer makes the case for. Defender makes the case against. Judge files a verdict — with the evidence beneath it.

Pick a sample, or type a claim.
Mocked at the edge · No live model call
The seven · in depth

Greatest hits. Works-with. The week she just had.

Each specialist below names three case studies — illustrative outcomes, examples of the work, not live data. The 'works-with' lines show how the seven hand off decisions between floors.

Filer

Tax Planner

Filed 418 returns this fiscal year.

Filer opens the house at 6am with the day's RBI circulars and CBDT notifications, read in Hindi and English side by side. 418 returns filed this fiscal year and 11 of 14 disputes won at the faceless appeal system.

"Your return is due on the 15th. I've drafted it. Read it when you have five minutes."

Read Filer's page
Greatest hits
March 2026

A salaried filer earned ₹4.2 lakh in crypto gains across seven exchanges. Filer reconciled every 194S certificate, flagged two exchanges that under-reported, and filed before the assessee noticed the gap.

Refund of ₹38,400 received. Disputes avoided.

January 2026

A consultant was paying tax on gross invoices instead of claiming section 44ADA presumptive. Filer caught it during the first data-load of the year.

₹1.6 lakh of unnecessary tax deferred; cashflow gap closed.

November 2025

An inherited property sale triggered both capital gains and stamp-duty reporting. Filer prepared a single coherent ITR with cost-of-acquisition indexation and section 54EC deferral.

ITD accepted first filing, no clarification requested.

Works with
Saver — plans 80C and ELSS sequencing together
Payer — schedules advance-tax installments on the calendar

Payer

Bill Payment

Paid 4,211 bills this month. 99.7% on time.

Payer handles every recurring bill — utilities, DTH, credit cards, insurance — on a calendar rebuilt from your SMS history each month. 99.7% on-time this quarter, no late fees.

"Electricity bill paid. Meter reading attached. You're ₹412 under last month."

Read Payer's page
Greatest hits
April 2026

The electricity provider raised the unit price mid-cycle and the bill arrived in a format Payer hadn't seen. Reconciled the new tariff against the meter reading before paying.

Overcharge of ₹340 caught; DISCOM confirmed correction.

February 2026

A credit card's minimum-due calculation changed after a statement cycle. Payer paid the full statement balance instead of minimum to avoid the new interest trap.

₹1,120 of interest-on-rolled-balance avoided.

December 2025

Seven bills due in the same week during a cash-tight period. Payer staggered two to their grace dates and paid the high-interest one first.

Zero late fees. Emergency fund untouched.

Works with
Filer — pays the advance-tax installments Filer calculates
Coach — warns Coach before a bill tips a budget

Watcher

Fraud Sentinel

Blocked 1,203 fraud attempts today.

Watcher reads every card transaction, UPI push, and account event in real time. Sub-200ms verdicts, every one signed by the Courtroom. 1,203 fraud attempts blocked today and logged for review.

"Blocked. Card ending 4021, merchant in Ho Chi Minh. Explain if I was wrong."

Read Watcher's page
Greatest hits
April 2026 · 03:04 IST

A Chennai schoolteacher began typing an OTP into a lookalike page after a WhatsApp message from her "bank manager". Watcher's lookalike-URL model caught the domain change in 340ms and blocked the transaction before submit.

₹1,82,000 saved. Merchant reported to I4C.

March 2026

A card-not-present charge from a legitimate merchant whose checkout had been compromised. Watcher matched the transaction fingerprint against a tampered pattern the Observatory had just flagged.

Card locked, merchant alerted, user refunded in 36 hours.

January 2026

A synthetic-identity loan application with paperwork that looked clean. Watcher cross-referenced phone tenure, device graph, and salary pattern with Saver and Filer.

Application held for manual review. Later confirmed synthetic.

Works with
Saver — freezes the Savings Optimizer during an incident
Planner — uses Planner's forecast baselines to spot anomalies

Planner

Prediction Engine

Read 8,412 news articles before breakfast.

Planner reads 8,412 news articles before breakfast, ranks them for relevance to your portfolio and life-stage, and maintains a rolling 18-month forecast of cashflows, tax liabilities, and expected life events.

"By October you'll have a cashflow dip. Starts when the school fee hits. Want me to plan around it?"

Read Planner's page
Greatest hits
April 2026

Planner projected a cashflow dip starting October — the school-fee payment overlapped with a quarterly advance-tax installment. Flagged in April with seven months of runway.

Plan adjusted. October comes; no overdraft needed.

February 2026

A user mentioned an upcoming engagement in chat. Planner modelled three budget paths — modest / standard / elaborate — and projected saving trajectories for each.

Path chosen, Saver set the weekly transfer.

December 2025

Global semiconductor news predicted a price bump on laptops. Planner told the user her planned laptop purchase would be 14% cheaper if shifted to March.

₹22,000 saved by timing.

Works with
Saver — sets savings paths from Planner's forecasts
Filer — times capital-gain deferrals against cashflow dips

Saver

Savings Optimizer

Routed ₹2.14 Cr into goal buckets this quarter.

Saver routes small, regular transfers into goal-specific buckets based on the life trajectory you've chosen. ₹2.14 crore routed this quarter across 3,200 users; buckets reach their goal 94% of the time without manual top-up.

"Twelve hundred to the Goa fund this week. Small steps. I'll keep going."

Read Saver's page
Greatest hits
April 2026

A Goa-trip goal was on track at 82%. Saver noticed a ₹400 weekly transfer lagging and nudged it to ₹450 for the remaining six weeks.

Goal met one day before departure date.

March 2026

A user asked to pause savings for a month. Saver paused the discretionary buckets but kept the emergency-fund bucket running quietly.

User didn't notice the emergency bucket was still on.

January 2026

A 12-year child-undergrad goal modeled by Planner was rebalanced when Saver noticed the user's bonus was larger than forecast.

Monthly transfer reduced by 30%; goal still on track.

Works with
Planner — walks forecasts backward into savings paths
Filer — timed 80C transfers to maximise deduction

Tracker

Subscription Auditor

Cancelled 1,847 dead subscriptions this month.

Tracker looks at every recurring subscription you've agreed to — streaming, apps, gyms, newsletters, boxes — and asks whether it's been used recently. 1,847 dead subscriptions cancelled this month across the user base.

"Three subscriptions haven't been opened in six months. ₹2,170 a year. Keep them?"

Read Tracker's page
Greatest hits
April 2026

Three streaming subscriptions hadn't been opened in six months. Tracker proposed cancellation and waited for user confirmation (never cancels without consent).

₹2,170 / year recovered.

March 2026

A gym membership the user had forgotten about, auto-renewing quietly for 14 months. Tracker surfaced the usage pattern alongside the payment.

Cancelled. ₹16,800 / year recovered.

February 2026

An app trial that had silently converted. Tracker caught the first real charge before it hit a second cycle.

Refund of ₹899 negotiated.

Works with
Payer — flags recurring charges to the bill calendar
Coach — re-routes freed-up cash into recovery buckets

Coach

Budget Guardian

Checked in on 312 users with slipping plans.

Coach keeps the whole house balanced. Watches your categories against your stated intentions, notices when a plan starts slipping, and checks in before it breaks. Not a notification. A conversation.

"You spent less on takeout this week. Nothing to report. Sleep well."

Read Coach's page
Greatest hits
April 2026

A user's takeout spending quietly doubled over six weeks. Coach opened a conversation — asked about stress, workload, anything going on — before proposing a smaller cap.

User moved takeout down by ₹4,000 / month voluntarily.

March 2026

A medical bill pushed the month's discretionary over budget. Coach rebalanced silently — moved the overspend into a 6-month recovery plan and warned Saver to pause a non-essential goal.

No panic alert. Recovery complete by August.

November 2025

A user stopped opening Mukodi for 11 days during a rough period. Coach noticed, didn't pester, and left one gentle check-in message with an easy reply.

User replied after 3 days. Budget reset quietly together.

Works with
Saver — pauses non-essential savings during hard months
Tracker — re-routes freed-up cash into recovery buckets
A day in the house

The house never sleeps. It just changes who is at the bench.

The same seven specialists. Twenty-four hours. One continuous shift, handing off without a word.

Scene 1 · Night watch
03:04 IST

Watcher catches a phishing attempt aimed at a schoolteacher in Chennai. The transaction attempt is blocked before submit. The house is otherwise still.

On duty · WATCHER
Scene 2 · Morning briefing
09:00 IST

Planner has read overnight news and written the day's brief. Filer is stamping returns. Saver queues weekly transfers. The courtyard fills with morning light.

On duty · PLANNER · FILER · SAVER
Scene 3 · Afternoon verdicts
15:00 IST

The Courtroom is in session — Proposer argues block, Defender argues allow, Judge rules with a 2FA nudge. Payer is paying the month's utility bills.

On duty · COURTROOM · PAYER
Scene 4 · Quiet evening
21:30 IST

Tracker finishes the subscription audit. Coach closes the day's budget ledger and leaves a gentle note for the user. Watcher takes the bench.

On duty · TRACKER · COACH · WATCHER
Deep dive · The Courtroom

Every ₹-decision argued — not by one model, but by three.

No financial decision reaches you through a single model's unchecked verdict. A Proposer, a Defender, and a Judge argue every call, sign every verdict, and log the transcript for audit. The framework ships today; per-verdict activations roll out as each specialist finishes training.

01

It catches the single-model failure mode

Ensembles average out errors. Adversaries expose them. A model that's over-confident alone has a Defender picking apart the evidence.

02

Every verdict is explainable by design

The transcript IS the explanation. SHAP traces, feature attribution, and counterfactuals sit inside the signed record, not in a separate dashboard.

03

Auditors can replay, not just trust

Every verdict is hash-chained. An auditor — internal, regulatory, or you — can replay the debate and the inputs that produced the outcome. No re-derivation required.

Three recent verdicts · anonymised

Fraud watch · card-not-present

184ms
IN · ₹18,400 · merchant HO CHI MINH · card ending 4021
Proposer · Risk Model
BLOCK · risk 0.82 — merchant offshore, amount anomalous, merchant-class drift since 06:00.
Defender · User Advocate
ALLOW · confidence 0.91 — user travelled to Vietnam last month, 2FA active, MCC matches past pattern.
Judge · Policy Engine
APPROVE with 2FA — the Defender's evidence stands. Holdback reduces merchant-class exposure for the next 72h.
→ APPROVED · 2FA · hash-chained

Loan underwriting · ₹8L personal loan

162ms
IN · Applicant age 32, salaried, ₹85k/mo, DTI 0.34, 2 open credit cards
Proposer · Risk Model
DECLINE · loss 0.22 — DTI near upper bound, second card opened in last 90 days.
Defender · User Advocate
APPROVE · utility 0.71 — salary tenure 4.2 years, repayment behaviour clean, alternative-data signal positive.
Judge · Policy Engine
APPROVE at reduced ₹6.5L — halfway between Proposer and Defender. SHAP trace shows the loss signal overweights the second card.
→ APPROVED · ₹6,50,000 · hash-chained

Tax treatment · capital gain defer

210ms
IN · Inherited property sale, ₹22L gain, reinvestment option 54EC available
Proposer · Risk Model
PAY · straightforward LTCG at 12.5% under new regime, net ₹2.75L tax.
Defender · User Advocate
DEFER · 54EC into NHAI bonds, full exemption, ₹2.75L saved at cost of 5yr lock-in.
Judge · Policy Engine
DEFER with disclosure — user has 7-month cashflow buffer per Planner's forecast. Present both to user; they choose.
→ PRESENTED TO USER · user chose DEFER
The machinery · nine rooms

The rooms behind the team.

The agents do the craft. These nine rooms do the work that makes the craft possible — watching models, ingesting news, signing audit trails, and catching edge cases before they become user pain.

33 registered · 27 monitored · 0 on warning

The Observatory

Watches 27 of the 33 registered models for drift. Proposes retrains.

14 circulars indexed today

The Archive

Every RBI / SEBI / IT / DOR circular since 2001, read and scored.

8,412 articles processed today

The Newsroom

1,000 sources. Deduped. Impact-tagged.

Market open. NIFTY +0.34%

The Market Floor

NSE, RBI, forex, AMFI, FD rates, fuel — cached, fresh.

On duty

The Guardroom

Distress, gambling, debt-spiral, abuse — the guards who notice.

Sealed

The Vault

PII encrypted at rest. Differential privacy on analytics.

1,204 corrections this week

The Classroom

Users correct the models. Models learn. A loop with a memory.

7 clusters under study

The Lab

Unknown intents bottled, clustered, and turned into features.

3 policies in sparring

The Training Hall

Thompson, Q-Learning, CQL, DQN, PPO — five trainers, thirty-three models.

Eight languages · voice + text, first-class

Your money, in the language you dream in.

The sample below is Filer's same sentence in every Indian script the house supports. Tap a language to read it in your script. Every script is first-class.

Filer, Tax Planner

"Your return is due on the 15th. I've drafted it. Read it when you have five minutes."

The mobile app

A house in your pocket — small, fast, voice-first.

  • —Eight Indian languages. Voice and text, both first-class.
  • —Offline-tolerant. Built for the lower bar of the Indian internet.
  • —No gamified dopamine loops. No red dots. Quiet by default.

App store links land with the public launch. Email us and we'll tell you the day it ships.

For individuals · your financial future, mapped

Most apps track what you spent last month. Mukodi tells you what you'll need next year.

Planner sees the shape of your life before you do. Filer plans the tax. Saver walks the savings backward from the need. Payer schedules the bills. Coach keeps the whole house from tipping.

Horizon · scenario

18 months before a home loan

Filer starts optimising your ITR to push approval odds — deferring the capital gain, timing the 80C, pre-filing advance tax.

Horizon · scenario

4 years before your car replacement

Saver starts a quiet automatic transfer, sized so the new car is paid in cash on the week you need it.

Horizon · scenario

12 years before a child's undergraduate fees

Planner models three paths — domestic, overseas, scholarship — and Saver sets the plan for the one you choose.

Horizon · scenario

6 months before any large predicted expense

Coach alerts you if the plan is slipping. Not with a notification. With a conversation.

The mobile app that makes this real is on the way. The predictions are already running in the house behind the scenes.

For business · Banks · NBFCs · insurers · D2C · lenders · telcos

See your users' tomorrow, today.

Transaction history, app events, external signals — in, forward-looking scores out. Every score is signed by the Courtroom (Proposer, Defender, Judge). Audits replay cleanly.

Future behavioural patterns

Cohort trajectories, churn prediction, life-event detection (marriage, childbirth, job change, relocation) — months ahead.

Spending pattern insights

Category-level monthly forecasts, discretionary-vs-essential split, seasonality-adjusted baselines.

Purchase & spending power

Per-user discretionary headroom, price sensitivity, propensity-to-purchase scores by category.

Credit risk + fraud

SHAP-explained scores, 8 alternative data sources, sub-200ms fraud verdicts, all Courtroom-signed.

Request API access Email partnerships
Proof · what the house actually holds itself to

The house behind the characters.

Mukodi is narrative on the surface. Underneath, it is code, tests, and migrations. These are the numbers we actually hold ourselves to — not marketing copy, but the artefacts that leave a git log.

33
registered models
Models in the registry; 27 of them monitored for drift by the Observatory. Auto-retrain proposals land at CTO inbox in under 6 hours.
5
RL algorithms
Thompson Sampling, Q-Learning, DQN, PPO, CQL. Picked per craft — Tracker's subscriptions run Thompson; Coach's budget runs PPO; Tax Planner runs CQL.
11
named agents
Seven RL specialists with their own voice, plus four advisory-only agents. Each agent owns one discipline.
8
Indian languages
English, Hindi, Tamil, Telugu, Urdu, Kannada, Bengali, Marathi. Voice and text, first-class.
Replayable
Event stream
Every model output and user action is published to an event stream — persisted and replayable.
139
API routers
Consumer · B2B · Admin · Portal. Every domain segmented behind an audited surface.
12,000+
tests
Across every module and subgraph. CI runs on every push, pre-commit on every change.
Replayable
Schema migrations
Every schema change is versioned and replayed end-to-end in CI before it ships.
36
input formats
CSV, parquet, OFX/QFX, MT940, CAMT.053, PDFs (native + scanned), images, audio, video — every format normalized through one ingestion pipeline.
15
CI workflows
Lint, test, validate; adversarial; brand-drift; landing browser + Lighthouse; load; ML training; SDK publish; security scan; staging + canary CD.
Open the house

Hire the house.
Get notified when it ships.

The consumer app lands when the model clears training benchmarks. Partner registration and the B2B API are live today.

Hire the house (business) Get notified when the app ships
Etymology

Mukodi is drawn from the ancient Tamil numbering system, where mukkodi (முக்கோடி) names the value 10²¹ — one sextillion. A reminder that Indian mathematics has always scaled. Read more →

Status · in training

What this site describes is how Mukodi's AI model will behave once it ships. The model is currently in active training — the specialists, rooms, and Courtroom narrated here describe the architecture we are building, not a live product yet. Waitlist and partner registration are live; the public API and mobile app land when the model clears its training benchmarks.