Question 1

What is SaakhSetu?

Accepted Answer

SaakhSetu is an AI-powered credit assessment and loan origination system developed by Arbix AI Solutions for agricultural lending. It uses Explainable AI (XAI) and Holistic Data Fusion to help Banks and NBFCs assess farmer creditworthiness, reduce NPAs, and streamline agricultural loan processing.

Question 2

How does Arbix AI reduce agricultural NPAs?

Accepted Answer

Arbix AI's SaakhSetu platform integrates multiple data sources including Government APIs (Agri-Stack, PM-KISAN), satellite data, and financial records through its Holistic Data Fusion technology. The Hybrid AI Engine then generates transparent, explainable risk scores, enabling lenders to make better-informed credit decisions and significantly reduce Non-Performing Assets (NPAs) in their agricultural loan portfolios.

Question 3

Which banks and financial institutions can use SaakhSetu?

Accepted Answer

SaakhSetu is designed for Banks, Non-Banking Financial Companies (NBFCs), and other Financial Institutions (FIs) engaged in agricultural lending in India. It supports Priority Sector Lending (PSL) compliance and helps lenders reach untapped rural and agricultural credit segments.

Question 4

What is the Explainable AI (XAI) feature in SaakhSetu?

Accepted Answer

Explainable AI (XAI) in SaakhSetu provides transparent, auditable reasoning behind every credit decision. Unlike black-box AI models, XAI shows lenders exactly which data factors influenced a borrower's risk score, ensuring regulatory compliance, reducing bias, and building trust in AI-driven credit assessments.

Question 5

How can my bank start a pilot with Arbix AI?

Accepted Answer

Banks and NBFCs can initiate a pilot program with Arbix AI by contacting the team at corporate@arbixai.com or by filling out the Schedule a Discussion form on the website. The pilot program is available at no cost and is designed to demonstrate the platform's impact within your existing agricultural lending portfolio.

Question 6

Where is Arbix AI Solutions headquartered?

Accepted Answer

Arbix AI Solutions Private Limited is headquartered at T-Hub Foundation, 1/C, 83/1 Raidurg Panmaktha, Near Hitech City, Hyderabad, Telangana – 500081, India. T-Hub is India's largest innovation hub and startup incubator.

Question 7

Does SaakhSetu integrate with government agricultural data APIs?

Accepted Answer

Yes. SaakhSetu integrates with key Government of India agricultural data APIs including Agri-Stack and PM-KISAN. These integrations allow the platform to access verified farmer data, land records, and subsidy disbursement histories, significantly improving the accuracy of credit risk assessment.

Question 8

What is Holistic Data Fusion in SaakhSetu?

Accepted Answer

Holistic Data Fusion is SaakhSetu's proprietary technology for combining data from multiple heterogeneous sources — including government APIs, satellite imagery, financial records, and social data — into a single, unified credit risk profile for each farmer or agricultural borrower. This multi-source approach provides lenders with a far more complete and accurate picture than traditional credit bureau data alone.

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