CREDA

What is it?

A friendly AI money guide for India: ask anything about saving, investing, tax or retirement by voice or text, in any of 11 Indian languages, and get answers grounded in what Indian regulators actually publish.

Why I built it

Good financial advice in India is expensive, English-first and scattered across regulators. CREDA puts it in your language.

What I actually built

• A chat-and-voice money assistant on web and mobile (Expo / React Native).
• Help with portfolio analysis, retirement and FIRE planning, tax optimisation, a financial-health score, life-event stress tests and regulatory questions.
• Answers backed by RBI, SEBI and IRDAI material, retrieved and cited rather than guessed.

What's interesting about it

• One assistant on the surface; 22 specialised agents behind it.
• A 4-tier intent classifier (regex → embeddings → LLM fallback) that cut LLM API costs by 50%.