Approval outruns the market
Product terms typically take weeks to revise and re-approve internally, while policy rates and inflation move on a shorter cycle — a structural lag built into every fixed-term product.
Give every financial product an inflation-resilient foundation.
FINNAC is a SaaS platform where banks and NBFCs design and configure financial products on a dashboard. The FINNAC Engine returns governed ranges from FINNAC's own master data, and the institution selects, approves and owns the product.
FINNAC is independent and pre-product, preparing for early pilots.
Why now
Static products can't survive a market that reprices weekly.
Approval cycles move in weeks. Rates and inflation move faster than that — every fixed-term product carries that lag from the day it launches.
Nominal gains can be real losses
The IMF projects global headline inflation of 4.7% in 2026, up from 4.1% in 2025. A deposit paying less than that shows a positive number on the statement — and a real loss in what it can buy.
Source: IMF World Economic Outlook, July 2026
Every variant adds upkeep
Each new rate tier, tenure bracket, or regional variant is one more set of terms to track and keep consistent — product growth becomes an operational cost, not just a revenue line.
FINNAC replaces the redesign cycle with governed ranges and parameters — terms adjust without a rebuild every time conditions do.
The innovation
The framework is the product.
Smart FD is FINNAC's first product — built on a governed, inflation-resilient configuration engine that sits underneath it. The engine, not any single product, is what your institution is actually adopting.
Institution approves changes and owns the product, the customer, and the regulatory relationship.
How it works
From approval to customer — how every FINNAC product moves through your institution.
One governed process, from management configuration to the customer's final number — with control staying exactly where your institution wants it.
1
Configure within governed parameters
Management selects values for the required parameters — interest rate, inflation-resilient rate, tenure, amount — and can add optional features such as partial-withdrawal windows, an adjustable withdrawal duration, etc. (can vary product to product). The inflation-resilient rate itself can be tenure-tiered — longer commitments earning a higher rate within the governed band — so longer-duration capital is rewarded without the bank's liability ever exceeding what FINNAC governs. Every parameter, required or optional, comes from FINNAC's fixed, governed set — nothing is defined outside it.
2
Set to your institution's own appetite
The values chosen within those parameters are entirely the institution's call, shaped by its own risk appetite and how it wants to compete. Two institutions can use the same governed framework and land on very different products.
3
Approve and lock
Once management signs off, the product is locked and versioned. Changing it means going back through the same management-level approval — there's no path for pricing or terms to drift at the branch or individual level.
4
Distribute to the front line
The approved product reaches the sales and relationship network along with a built-in comparison view, so the team can show customers the difference clearly — without any ability to touch the underlying configuration.
5
Generate the customer's number
For each customer, the front line enters their amount and duration within the approved bounds, and the system returns their specific outcome. The product stays one thing; only the customer's result varies.
6
Keep a full record
Every configuration and every customer outcome under it is logged centrally — giving the institution a complete, always-available record of what was approved, by whom, and what every customer currently holds.
7
One process, built to extend
This is the same governed process behind Smart FD, the first product built on the framework — designed to carry forward as the framework extends further.
Regulation stays with the institution. FINNAC does not give financial, legal or regulatory advice, and does not decide what is compliant. This is outside FINNAC's scope.
First product
Smart FD — the first product built on the framework.
An inflation-resilient fixed deposit. The in-built dashboard compares Smart FD against a normal FD, showing outcomes against your institution's own selected yield rate — giving full clarity to configure within the governed ranges and parameters, and confirm what makes financial sense before the configuration is finalized.
FINNAC's role stays limited to the preparatory engine and framework governing configuration — final product configuration, financial commitments, the balance sheet, the customer relationship, and the regulatory relationship remain the institution's own responsibility.
Illustrative example — rates are selected by the institution within governed ranges and parameters
Interest rate: 6.5% (bank-selected)
Inflation-resilient rate: within governed range/parameter
Tenure: 3 years
Normal FD — maturity valueBaseline
Normal FD — real (purchasing-power) valueBelow baseline
Smart FD — maturity valueAbove baseline
The strategic case
What this changes for your institution.
Four target outcomes we're confident in, based on our research and modeling to date — a pilot validates them against your own portfolio and your own customers.
Retention
Every flat-rate deposit is a year of unprotected attrition risk.
Target: reduce early withdrawal and non-renewal by closing the real-yield gap that quietly drives it today.
Wealth & HNI
Your private banking clients are already asking for this. Most banks have no answer yet.
Target: give relationship teams a genuine inflation-protected option within fixed income — not a portfolio-wide promise, a real one.
Institutional & treasury capital
Long-duration institutional and treasury capital often defaults to government bonds, partly because nothing else offers comparable inflation protection.
Target: give the portion of that capital not mandated to sovereign paper a genuine alternative, with tenure-linked rewards — longer commitments earn more, bounded within FINNAC's governed ranges so the upside never becomes open-ended liability.
Market position
The first mover in a market owns the narrative — for a while.
Target: capture incremental market share from competitors — even a 5–10% shift compounds into meaningful new-to-bank deposits over time.
Backed by two-plus years of research, we're confident this approach can meaningfully strengthen retention, deepen wealth relationships, and sharpen your competitive position — a pilot proves it with your own numbers, before a competitor runs it first.
A worked example — illustrative only, not a projection for your institution
Assume a fixed deposit book of ₹1,000 crore, currently seeing 12% annual early withdrawal or non-renewal. If closing the real-yield gap reduces that by even 2 percentage points, that's ₹20 crore in deposits retained annually — capital that stays on the book instead of moving to a competitor or another instrument.
Assume a private banking fixed-income allocation of ₹200 crore. If 5% of clients who'd otherwise shift to inflation-aware instruments elsewhere stay instead, that's ₹10 crore in AUM retained in a single relationship book.
Assume your institution competes for a ₹5,000 crore fixed-deposit market in a given segment. Capturing even 5–10% of that through first-mover positioning is ₹250–500 crore in new-to-bank deposits — money moved from competitors' books, not retained from your own.
The logic is straightforward; the numbers are not yours. Book size, actual attrition, and your market all change the real figure — which is exactly what a pilot is for.
Have a different view on these assumptions, or want to work through your own numbers instead of ours? Let's talk it through — we'd rather hear your thesis than assume we already have it right.
Independent, research-led, built for pilots.
FINNAC is independent of any one institution or system. It is pre-product, self-funded through its own research, and preparing for early pilots.
01 · Defining the problem
We studied how product terms, rules and commercial parameters are managed across bank and NBFC environments, and where consistency breaks down.
02 · Designing the framework
We designed a standard product framework and a governed-range model, built from our own research rather than external data.
03 · Preparing the technology
We prepared the foundations: the FINNAC Engine, the dashboard concept, and the API between them.
04 · Today: early pilots
We are opening conversations with institutions that want to test the approach on a defined, limited scope.
FINNAC is not a bank, a lender, or a product distributor. That independence lets us focus on one job: helping institutions design and govern their own products. Regulation and legal compliance remain with each institution and its own compliance team.