Saarthi AI: AI agents for mutual fund distributorsYour back office runs itself. The relationships stay yours.
Saarthi AI puts six specialist AI agents on your book — reconciling debits, chasing KYC, rebalancing portfolios and drafting outreach in your voice, so your day goes where it actually pays off: sitting across from your clients.
- Every action logged & reversible
- You approve anything material
- SEBI-aligned by design
- Ops AgentWorking — SIP retry queueAsk first
- Compliance AgentIdle — next scan at 12:00Auto
- Portfolio AgentIdle — drift scan doneAsk first
- Tax AgentWorking — harvest checkAuto
- Engagement AgentWorking — re-engagement notesAsk first
- Growth AgentIdle — 2 leads nurturedAuto
Auto — acts and logs it. Ask first — prepares the work and waits for your sign-off.
- 6
- specialist agents working your entire book at once
- 42
- operational tasks handled on an average day
- 99.2%
- autonomous actions completed without a hitch
- 24/7
- watching debits, deadlines and drift while you sleep
You didn’t build your book to reconcile debits at 9pm.
Distributors win on trust — the review call, the reassuring message when markets wobble, the plan that fits a family’s goals. Watch where a working day goes before and after the agents pick up the operations.
A working day today
only ~1.5 hrs actually with clients
The same day, with the agents
~7 hrs on clients & growth
Same twelve hours. The agents absorb the reconciliation, the chasing and the prep — so the day fills with the work that actually compounds your book.
Six specialists. One that never sleeps for each part of the job.
Each agent owns a lane, works your whole book at once, and hands you only the decisions that need a human. Pick a specialist to see what it does — and what it’s handling right now.
Ops Agent
Orders · SIPs · mandates
Keeps every SIP, mandate and order running — reconciling debits, retrying what bounces and chasing authorisations so nothing slips.
What it handles
- Reconcile SIP debits against the RTA feed
- Retry bounced debits once funds are confirmed
- Renew e-mandates before they lapse
- Chase pending 2FA and order approvals
Right now
Retried Rohan Mehta’s failed SIP
Debit bounced yesterday; confirmed ₹38K is now available and scheduled a 4 PM retry — cleared.
Compliance Agent
KYC · FATCA · audit
Watches KYC, FATCA and the audit trail so an expiry or missed filing never catches you out — and keeps everything you could show a regulator.
What it handles
- Track expiries and pre-fill re-KYC
- File routine FATCA / CRS refreshes on time
- Maintain a timestamped, reversible audit trail
- Flag unusual or out-of-pattern transactions
Right now
Started Vikram Shah’s re-KYC
KYC lapses this month. Forms are pre-filled — he only needs to confirm an Aadhaar OTP.
Portfolio Agent
Drift · cash · rebalancing
Monitors every portfolio for allocation drift and idle cash, and prepares tax-aware rebalance proposals so each review starts with a clear recommendation.
What it handles
- Scan every portfolio for drift each morning
- Prepare switch orders when a band is breached
- Flag idle cash with a suggested deployment
- Refresh valuations after each NAV update
Right now
Staged Sanjay Kulkarni’s rebalance
Equity drifted to 78% against a 65% target. Three switch orders are ready, with STCG impact flagged.
Tax Agent
Harvesting · 80C · gains
Hunts tax-saving moves before year-end — harvesting offsetting losses, tracking unused 80C headroom and keeping capital-gains statements filing-ready.
What it handles
- Harvest losses to offset realised gains
- Track each client’s remaining 80C / ELSS room
- Compile STCG / LTCG statements for filing
- Stage redemptions to use the LTCG exemption
Right now
Found harvestable losses for Priya Nair
Spotted offsetting losses before 31 March to cancel out her realised short-term gains.
Engagement Agent
Client comms · reviews
Handles client outreach in your voice — re-engaging dormant clients, preparing review summaries, drafting step-ups and sending milestone notes.
What it handles
- Draft personalised notes to dormant clients
- Build one-page quarterly review summaries
- Send birthday and milestone notes on time
- Draft SIP step-up proposals with rupee impact
Right now
Drafted this week’s quarterly reviews
One-page summaries for your review calls, written in your voice and ready for a quick send.
Growth Agent
Leads · referrals · onboarding
Grows your book — nurturing warm leads, actioning referrals and walking new clients through onboarding, turning prospects into funded SIPs.
What it handles
- Nurture prospects who haven’t signed up yet
- Reach out to referrals and tag the referrer
- Guide new clients through KYC and first SIP
- Win back prospects who stalled before funding
Right now
Actioned Anil Kapoor’s referrals
Reached out to both and tagged the referrer — one has already booked an onboarding call.
You stay in command. They do the running.
Every task has a dial. Turn an agent loose on the routine, keep a hand on anything that touches money or advice — and change your mind any time.
Auto
The agent acts on its own and logs every step. Best for the routine — reconciliation, valuations, routine filings and confirmations.
Ask first
The agent prepares the work — a drafted message, a switch order, a proposal — then waits for your sign-off before anything goes out.
Off
Pause any task entirely. Nothing happens on that lane until you switch it back on. You are always the final say.
One queue for everything that needs you
The agents work overnight and through the day. What’s routine gets handled and logged. What needs judgement lands in a single sign-off queue — each item already drafted, with the reasoning attached. Approve in a tap, or open the draft.
Awaiting your sign-off · 3
- Ops₹25,000
Retry Rohan Mehta’s failed SIP
Debit bounced yesterday. Verified ₹38K is available and prepared a 4 PM retry.
- Portfolio₹6.2L switch
Send Sanjay Kulkarni’s rebalance
Equity drifted to 78% vs 65% target. 3 switch orders ready, STCG impact flagged.
- Compliancedue 20 Jun
Start Vikram Shah’s re-KYC
KYC expires soon. Forms pre-filled — he only needs an Aadhaar OTP.
Autonomy you can actually trust with a client’s money.
Six agents running your operations only works if you never lose the final say. Every lane is bounded by rules you set, and everything they do is on the record.
You approve anything material
Money movement, advice and every client-facing recommendation come to you first. The agents draft; you decide — in a tap, or after a closer look at the reasoning.
Logged & fully reversible
A timestamped trail records what each agent did and why. Anything autonomous can be undone from the activity log.
Guardrails you set
Ceilings, drift bands, harvest thresholds, quiet hours and tone — each agent runs inside the rules you define.
SEBI-aligned by design
Disclosure and suitability rules are followed automatically, and audit-ready records are always kept.
Contact windows respected
No client hears from an agent outside the hours you set — outreach stays personal, timely and never spammy.
Get your evenings back. Give your clients your mornings.
See the six agents run on a live book of clients — and decide how much you’d hand over.
Questions distributors ask.
What the agents will and won’t do on their own — in plain terms.
Will the agents ever act without asking me?
Only on the tasks you explicitly set to Auto — the routine, low-risk work like reconciliation or valuation refreshes. Anything touching money movement or advice is set to Ask first by default, so it comes to you as a drafted, ready-to-approve item. You can change any agent’s autonomy at any time.
How do the agents write in my voice?
Client-facing messages use a tone and sign-off you configure, and reference each client’s history with you. Every advisory message is drafted for your review before it sends, so nothing goes out that doesn’t sound like you.
Is this compliant with SEBI rules for distributors?
The agents are built around distributor obligations — disclosure, suitability and record-keeping. Routine actions follow those rules automatically, material decisions require your approval, and a full audit trail is kept so you stay answerable to a regulator.
Do I need to change my existing platform or RTA setup?
No. Dhan Saarthi works alongside your current RTA and transaction flows. The agents read the same feeds you already rely on and prepare work inside them — you keep your existing rails.
What happens if an agent gets something wrong?
Every autonomous action is logged and reversible from the activity trail, and material work waits for your sign-off before it ever reaches a client. You can pause any task instantly and review exactly what an agent did and why.
Dhan Saarthi is a platform for mutual fund distributors. AI agents assist with operational, compliance and client-communication tasks; every autonomous action is logged and reversible, and material decisions require distributor approval. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. This page is for information only and is not investment advice.
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20 minutes, no slides — just the product on your own data.