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. Gemini 2.5 Flash 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.
Let us be clear about what this is.
NariScore is designed to eliminate confusion before it slows down a partnership. Here is exactly what it is not.
A credit bureau score
A loan approval mechanism
A replacement for lender underwriting
Dependent on smartphone ownership
Dependent on formal income records
Bureau or CIBIL linked
The layer before formal credit. Built from her voice.
Behavioural financial visibility built from 180 days of livelihood conversations. It makes her visible to institutions that currently cannot see her at all.
- Built from voice interactions, not bureau data
- 180-day rolling engagement and consistency score
- DAR income head aligned, NRLM compatible
- Consent-based, DPDP Act 2023 compliant
- Generates before formal credit assessment begins
- Works on any phone, any literacy level
Experience NariBot yourself.
Three ways in. Pick one. Not a simulation. The actual system.
Voice to ledger. Never done before in Bharat. Try it now.
Her words become structured financial data in seconds. No bank account needed. No form. No field visit. No intermediary.
📞 IVR Voice Call
Call our voice agent directly. Speak in Hindi or Kannada. Experience the full flow as a didi would.
Send a voice note or text in Hindi. NariBot responds in under 10 seconds with a structured reply.
📄 Read a Transcript
Prefer to read? Download a real processed call transcript in Kannada and Hindi exactly as NariBot saw it.
All interactions on this page use demo data only. No real beneficiary data is accessible here.
What the system hears.
A processed call: transcribed, extracted, and scored. This happens within seconds of her hanging up. Her words. Structured data. NariScore updated.
42 to 95. Watch what becomes possible.
Each stage unlocks something real. Not a number for its own sake.
System sees her for the first time. Livelihood profile begins. She has never had a formal economic record. Until now.
Eligible for credit linkage. Lakhpati Didi pipeline opens. Financial access becomes real.
Full cycle complete. Financial identity established. Financial stability within reach.
Not a credit score · Behavioural financial visibility · 180-day rolling window
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, CRPs and coordinators can identify silent women, spot emerging livelihoods, and surface credit-ready women by name.
Field Coordinator Dashboard · Demo Environment
📌 PLACEHOLDER — Replace with ToolJet iframe or screenshot. Columns: Kamla Bai · Savitri Devi · Lakshmi Devi · NariScore · Credit Ready · Silent 7d. See placeholder-notes.txt.
🖥️ Open Live DashboardWhat 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.