Description of Solution

Kharcha Guru is a chat-first financial coach designed for gig workers and middle-class users. It runs on WhatsApp and Telegram, supports Hindi and Marathi, and makes money management simple and inclusive.

What it does

• Expense Tracking
  Users can add, edit, or delete expenses via chat, upload UPI statement PDFs, and even let the bot read bank emails for automatic transaction logging.

• Monthly Insights
  Generates clear summaries of spending patterns, category breakdowns, and personalized saving tips.

• Government Scheme Alerts
  Matches users to eligible schemes, shares deadlines, required documents, and sends daily updates.

• Multi-Language Support
  Conversational experience in Hindi, Marathi, and English for better adoption.

Why it’s unique

• Combines finance + policy in one simple chat interface.
• Powered by Agentic AI that adapts to user behavior and income variability.
• No extra app—just chat for smarter spending and better benefits.

Tech Stack

User Interface

• Telegram Bot API
• WhatsApp Cloud API

Backend

• Python + FastAPI
  • Core service for handling requests and APIs.
• n8n Workflow Engine
  • For webhook handling, email polling, and scheduled jobs (monthly summaries, scheme alerts).
• LangChain / LangGraph
  • Agentic AI layer for decision-making, planning next actions, and generating nudges.

NLP & Multi-Language Support

• spaCy / HuggingFace Transformers
  • For entity extraction and intent detection.
• Indic NLP Library / fastText
  • For Hindi and Marathi language processing.

Database

• PostgreSQL
  • For storing user ledger, transactions, consent logs, and scheme alerts.