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What is ArthShiksha? ArthShiksha is India's first free, multilingual AI financial advisor. It uses generative AI and voice recognition to teach SEBI-aligned financial literacy — covering budgeting, saving, and SIP investing — directly in Hindi, Bengali, Tamil, and 10+ other regional languages.

Financial Literacy
Spoken in Your Language

हिंदी • தமிழ் • বাংলা • తెలుగు • मराठी • ગુજરાતી

Talk to our AI to learn the basics of personal finance. From emergency funds to mutual funds, get unbiased, curriculum-driven education tailored to your personal income profile.

🎙️ Start Learning for Free See How It Works
100% Free Forever SEBI & NCFE Aligned Voice & Speech Ready No Login Required
ArthShiksha AI Tutor
नमस्ते! मैं आपका अर्थशिक्षा AI सलाहकार हूँ। क्या आप मुझे अपनी मासिक आय के बारे में बता सकते हैं?
मेरी सैलरी 30,000 रुपये है और मैं हर महीने 5,000 बचाता हूँ।
बहुत बढ़िया! आपकी 16% बचत दर अच्छी शुरुआत है। आइए SIP और म्यूच्यूअल फण्ड के बारे में जानें।

A Personalized Journey to Financial Freedom

Our AI adapts to your current financial knowledge, ensuring you master the basics before moving on to complex investments.

Step 1: Profiling

Income & Goal Assessment

The AI asks about your income, expenses, and existing investments to determine your starting stage. You won't be pushed into the stock market if you haven't built an emergency fund yet.

Step 2: Learning

Interactive Voice Chat

Instead of reading boring articles, you have a 2-way conversation in your native language. Ask questions, clarify doubts, and interact directly with the AI using your microphone.

Step 3: Execution

Live Financial Calculators

When discussing compound interest or loans, the AI seamlessly integrates live SIP and EMI calculators, showing you exactly how your money will grow over time.

Core Technology

Breaking the
Language Barrier

Financial literacy in India has traditionally been restricted to English speakers. We changed that using advanced generative AI.

🌐

Sarvam AI Integration

Utilizing India's leading Indic-LLM translation layer, ArthShiksha understands your regional slang and translates core financial concepts with perfect cultural nuance.

🔒

Guardrailed Intelligence

Unlike generic chatbots, our Supervisor Agent ensures the AI never gives direct stock tips or unregulated financial advice, strictly adhering to SEBI educational mandates.

📱

Progressive Web App (PWA)

Install ArthShiksha directly to your phone's home screen. Fast, lightweight, and saves your progress locally without requiring complex account setups.

13+ Indian Languages

Seamless voice & text support across the nation.

English (en-IN) हिंदी (Hindi) বাংলা (Bengali) తెలుగు (Telugu) मराठी (Marathi) தமிழ் (Tamil) ગુજરાતી (Gujarati) ಕನ್ನಡ (Kannada) മലയാളം (Malayalam) ଓଡ଼ିଆ (Odia) ਪੰਜਾਬੀ (Punjabi) অসমীয়া (Assamese) اردو (Urdu)

Designed for Every Indian

Whether you are earning your first salary or planning for retirement, ArthShiksha provides relevant guidance.

Students & Youth

Building the Foundation

Start your financial journey right. Learn the 50/30/20 budgeting rule, how to manage pocket money, and the power of compound interest before you earn your first paycheck.

Working Professionals

Strategic Wealth Creation

Move beyond fixed deposits. Learn how to structure SIPs, understand Mutual Fund risk profiles, and plan for long-term goals like buying a house or retirement.

Rural & Tier-3 Citizens

Accessible & Intuitive

With voice-first interactions and local language support, even those unfamiliar with complex financial jargon can easily learn how to protect themselves from fraud and save securely.

Commitment

Financial Literacy is a
Right, Not a Privilege.

Unlike expensive "wealth creation courses", ArthShiksha is a public-good utility provided entirely for free.

FOREVER
ArthShiksha Access
₹0
  • Unlimited AI Chat Queries
  • Access to all 13+ Languages
  • Built-in SIP & EMI Calculators
  • Full 4-Stage Curriculum
Start Learning

How ArthShiksha Uses Generative AI for Financial Inclusion

India's rapidly growing retail investment sector requires robust educational infrastructure to protect citizens from speculative fraud and unregulated 'finfluencers'. ArthShiksha leverages generative AI to provide unbiased, structured financial literacy at scale. By dynamically adapting its curriculum to the user's income level and savings rate, it ensures highly personalized financial education.

Overcoming the Language Barrier with Voice AI

Traditional financial education is overwhelmingly delivered in English, alienating a massive demographic of India. ArthShiksha integrates the Sarvam AI API to facilitate real-time translation and voice synthesis. A user can speak into their microphone in rural Bengali or Tamil, and the AI will comprehend the query, process the financial calculation, and respond audibly in the exact same language.

SEBI and NCFE Compliant Architecture

To ensure absolute safety, ArthShiksha operates under a strict Multi-Agent Supervisor Framework. The Supervisor Agent actively filters out requests for direct stock recommendations or unregulated crypto advice, forcefully steering the conversation back to SEBI-approved curriculum topics such as index funds, emergency budgeting, and sensible SIP planning.

Frequently Asked Questions

What is ArthShiksha AI?

ArthShiksha is a free, AI-powered financial advisor and tutor built specifically for India. It uses advanced generative AI to teach you budgeting, saving, and investing through natural conversations in your native language.

Which regional languages does ArthShiksha support?

Powered by Sarvam AI, ArthShiksha supports 13+ Indian languages including Hindi, Bengali, Marathi, Telugu, Tamil, Gujarati, Kannada, Odia, Malayalam, Punjabi, and Assamese. You can type or use voice commands directly in your language.

Is the financial curriculum safe and certified?

Yes. The entire ArthShiksha learning path is strictly aligned with the guidelines of SEBI (Securities and Exchange Board of India) and NCFE (National Centre for Financial Education). It forces a structured progression from basic budgeting to safe investments, preventing dangerous speculation.

Is ArthShiksha really 100% free?

Yes, ArthShiksha is completely free to use. There are no hidden charges or premium tiers. Our mission is to democratize financial literacy across all demographics in India.

Ready to Master Your Finances?

Join thousands of Indians learning how to budget, save, and invest with our intelligent, multilingual tutor.

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⚠️ SEBI Regulatory Disclaimer

ArthShiksha AI are strictly educational platforms and are NOT registered as Investment Advisors under the SEBI (Investment Advisers) Regulations, 2013. The AI-generated responses, financial calculators (SIP/EMI), and curriculum provided herein are for informational and educational purposes only and do not constitute personalized financial advice, stock recommendations, or portfolio management services. Investments in the securities market are subject to market risks; read all related documents carefully before investing. Please consult a SEBI-registered Certified Financial Planner (CFP) before making any investment decisions.