Her voice builds
her financial identity.
NariScore turns daily livelihood conversations into structured financial visibility.
Works through voice calls, IVR, WhatsApp and SMS. No smartphone required. No pen. No intermediary.
For the first time, she builds her own financial record. In her own voice. On her own terms.
What is NariScore
NariBot creates the conversation. NariScore creates the visibility. A financial visibility layer that helps governments, lenders, livelihood programmes and ecosystem partners understand a woman's economic activity between formal assessments.
This is what NariBot and NariScore do. For her. For every enabler supporting her.
She earns every day.
The system sees her twice a year.
Millions of women run livelihoods every day, yet their economic activity is rarely captured in a usable form. Between surveys, assessments and loan applications, their progress remains invisible. NariBot changes that through continuous voice-based engagement.
She does not need a pen, a CRP, a smartphone, or her SHG didi to be financially visible anymore. NariBot puts that entirely in her hands.
Between cycles: Invisible. Ineligible. Unscored.
NariScore is what changes that.
Find where you fit.
NariScore is infrastructure. Every organisation working on women's livelihood, financial inclusion, or rural development has a role in this chain.
🏛️ Government Livelihood Missions
DAR-compatible exports. Lakhpati Didi pipeline data. Continuous signal between NRLM reporting cycles.
🤝 SHG Federations
VO and CLF level dashboards. Credit-ready women surfaced automatically. No additional field burden.
🌱 CSR Programmes
Measurable livelihood outcomes. Consent-based participant insights. Program monitoring built in.
🏦 Banks and NBFCs
Behavioural financial visibility on women currently invisible to formal systems. The layer before underwriting begins.
📚 Skilling and Entrepreneurship Programmes
Track livelihood progression after training. Understand which interventions create lasting income change.
🌍 Development Finance Institutions
Portfolio-level financial inclusion data. Multi-state deployment ready. Impact measurement from Day 1.
How Financial Visibility Is Created
NariScore is generated from ongoing NariBot interactions, not from bureau data or traditional credit history. A woman who has never had a formal economic record can create one through voice.
📞 Her Voice Call
She calls the IVR number or sends a WhatsApp voice note. In Kannada, Hindi, or her dialect. No smartphone required. No literacy required.
🧠 NariBot Engine
BHASHINI transcribes. The AI engine extracts livelihood signals: income, expenses, surplus, credit intent. In real time.
📒 Voice to Ledger
Her words become structured DAR income head entries. Mapped to NRLM categories. Stored with full audit trail. This has never been done before.
📊 NariScore Builds
Every call adds to her NariScore. 180-day rolling behavioural financial visibility. Not a credit score. The layer before formal credit that makes everything else possible.
🖥️ Dashboard Reflects
Field coordinator sees the update in real time. Silent women flagged. Credit-ready women surfaced automatically. No additional forms.
📤 Structured Export
DAR-aligned export at 90-day and 180-day cycle close. Ready for NRLM MIS integration. Her voice becomes institutional data.
NariScore brings economic patterns into view & memory.
While keeping human judgement at the centre. Here is what it is not.
Credit bureau score
Loan approval decision
Replacement for lender review
Limited to smartphone users
Dependent on formal income records
Linked to CIBIL or bureau data
A 180-day livelihood visibility layer. Built from her voice.
It turns regular business conversations into simple signals of income, consistency and progress.
- Captures livelihood activity over time
- Shows income and surplus patterns
- Tracks regularity of engagement
- Supports partner review and field follow-up
- Aligns with livelihood and SHG reporting
- Works across phones, languages and literacy levels
Outputs that make a difference to your programme.
From Day 1 of deployment, here is what every partner organisation receives.
Continuous Livelihood Visibility
Real-time livelihood data between programme cycles. No more waiting for survey windows to close.
Voice-Based Engagement for Low-Literacy Users
Reaches women who cannot read, type, or access smartphones. IVR, WhatsApp, and SMS all covered.
Structured Livelihood and Savings Signals
DAR-aligned income head data. Surplus trends. Savings consistency. All structured for MIS integration.
Consent-Based Participant Insights
DPDP Act 2023 compliant. Consent captured at onboarding. Participants control their data.
Programme Monitoring and Outcome Measurement
VO and CLF dashboards. Silent women flagged. Credit-ready women surfaced. Lakhpati Didi progress tracked.
Readiness Indicators for Financial Inclusion
NariScore 65+ flags credit readiness. NariScore 95+ signals Lakhpati graduation. All before a single branch visit.
How Field Teams Use the Signals.
Without a single additional form, field teams and coordinators can identify silent women, spot emerging livelihoods, and surface credit-ready women by name.
What we hear from the field.
The ecosystem only clicks when you see the full chain: her voice, her score, her coordinator, her bank, her government. These are the early signals from that chain.
Names changed. Stories real.
Savitri Devi
"Pehle koi nahi puchta tha kitna kamaya. Ab NariBot roz puchta hai. Lagta hai koi sunta hai."
Kamala Bai
"Kannadadalli maatadidre artha aaguttade. Idu namma bhasheya system."
Field Coordinator · VO
"I can now see which women have been silent for 7 days and which ones are ready for credit linkage. I never had this before."
One pilot. Every layer. Real data.
NariScore is the missing layer between her daily livelihood and the system that is supposed to serve her. Here is how to plug it in.
Financial Visibility. Financial Access. Financial Stability.
From her first word to a bank-ready profile. No branch visit. No form. No intermediary.