LAB · PLACE WHERE I EXPERIMENT

Talk to my AI Clone

A digital version of me, grounded only in my work and personal interests. Chat or talk with it, and ask what you'd ask me on a first call.

ModesChat and voice
BrainSarvam 105B
VoiceMy actual cloned voice
GroundingEverything about work
GuardrailsNo invented numbers, no private details
FallbackHands off to a 30-min call
PGPayash AI
Hi, I'm Payash's AI clone. Ask me about my work, interests or any other thing related to what I've done previously. If you want to talk? Switch to Voice.
Side build · LiveBuilt with Lovable

SubMeter Bill: fair bills for a shared meter.

It works out the electricity bill for a tenant on a sub-meter. Enter this month's reading, or snap the meter, and it applies the real tariff: base rate, slab-wise subsidies and the fixed demand charge, preset to UPPCL rates.

Why I built it

Sub-metered homes are everywhere in India, and the monthly bill is usually worked out on a calculator against a tariff sheet. It's slow, easy to get wrong and hard for the tenant to check in detail. I wanted a two-minute bill that both sides can trust.

SubMeter Bill home: latest bill, consumption trend and insightsSubMeter Bill new bill form with meter photo and reading checksSubMeter Bill settings: tenant, base rate and slab subsidies
What it does
01Reading to bill in secondsThe last reading carries over. Enter the new one or just click a photo and the bill is calculated.
02Real tariff logicBase rate, slab subsidies and billed demand, preset to UPPCL and fully editable.
03Meter photo as proofAttach a photo of the meter to any bill, so there is nothing to argue about.
04Catches mistakesFlags a reading lower than last month and handles meter rollovers.
05Trends and insightsA consumption chart across bills, the change versus last bill and the peak month.
06History and profilesEvery bill saved, with tenant and property details.
Made forLandlords billing tenantsPG and hostel ownersFamilies splitting one connectionShops on a shared meter
Payash presenting Loan Saathi at the Voice AI x Fintech BuildathonWinner · 4-hour build
Presenting Loan Saathi · Voice AI x Fintech Buildathon
Loan Saathi demo: the Hindi voice call screen beside the agent pipeline, from mic to ElevenLabs Hindi voice
The demo · from a bounced EMI to a call with SakshiLive ↗
Buildathon · WinnerHosted by Bachatt and Digia · Oct 2026

Loan Saathi: a Hindi voice agent on the borrower's side.

A voice agent can do more than just provide information and handle customer support for companies. It can help understand and analyze requirements clearly and improve users' situations for different scenarios.

The problem

Lenders, NBFCs, and distributors often sell the products that earn them the most margin. Borrowers don’t always have someone on their side. Many people in smaller cities are pushed into high-cost debt because of limited financial awareness, and may never revisit those loans.

The approach

I focused on people who are more comfortable speaking Hindi than using a chat interface, and who may be stuck in high-interest loans. Since loans are often sold over the phone, a voice interface felt like a natural way to meet people where they are. A failed autopay and bounced EMI acted like a perfect trigger for the user to discover such a product.

“Sakshi,” the agent and its workflow
01UnderstandWith the user’s consent, ask about their situation and needs.
02AnalyzeAssess feasible options in real time.
03ProposeCreate a personalized, unbiased plan.
04Decide and actLet the user choose what happens next, such as submitting a request to a lender or booking an appointment.
05CloseEnd the call and ask for feedback.
Build stack
ElevenLabs AgentsHandled the call, speech-to-text, and Hindi voice.
Sarvam 105BThe model brain that powered the conversation.
Vercel APICoordinated seven specialist agents across cost, savings, collateral, credit, risk, and planning.
The biggest lesson
Let the LLM talk, not calculate.

Every number came from code. In one early test, the model said 67 instead of 63, and in lending, that kind of mistake can break trust.

More in the lab

More experiments, on the way.

I love experimenting and building things that are cool and useful. New experiments will land here as I build them. Want to build one together? Let's connect for a quick call.

See my builds on GitHub ↗