Agent Desk

FD
All agent desksID: FD · STAGE 3: WIDEN
Deposit Operations·Head, Retail Ops·6 Tools·4 Connectors

FD Maturity Processor

Scans CBS for maturing FDs, customer outreach for renewal/payout decisions, TDS calculation (Section 194A), Form 15G/15H validation, premature withdrawal handling.

Operational ROI:₹142 Cr auto-renewed this month
Live · Human Sign-offStage: WIDEN
Architecture deep-diveTrain agent
Daily VolumeToday
485
FDs processed handled
Audit Concurrence30 days
99.1%99.1%
Human-AI alignment rate
Capacity Returned7 days
112h
Staff hours freed this week
Sign-off QueueReal-time
0items
Queue clean · Zero SLA breach

How it works: Autonomous Execution Pipeline

5 nodes · 1 core banking connectors · 1 AI checkpoints
Deterministic DAG
RenewPayoutT-30 maturity scanCBSCustomer outreachCRMRenew or payout?Process TDSAI AGENTFD processed
TriggerSystem callAI Model stepDecision gateHuman sign-offResolvedEscalation
Autonomous DAG Pipeline
Audited Step-by-Step Pipeline Sequence
01
T-30 maturity scanCustomer outreach
CRM
02
Customer outreachRenew or payout?
03
Renew or payout?Process TDS
RenewAI Agent
04
Renew or payout?Process TDS
PayoutAI Agent
05
Process TDSFD processed

Tools & Deterministic Capabilities

Every tool is sandbox-isolated and bound by audit policies
6 Registered Tools
Tool FunctionCapability & Operational MandateTarget ConnectorExecution Policy
scan_maturing_fds()Scans CBS for FDs maturing within the T-30 day windowFFinacle CBSAuto-execute
outreach_customer()Contacts customer via SMS, call, and app notification for maturity decisionsFFinacle CBSAuto-execute
process_renewal()Processes FD renewal at prevailing rate with optional tenure changeFFinacle CBSAuto-execute
calculate_fd_tds()Calculates TDS under Section 194A with threshold and exemption checksFFinacle CBSAuto-execute
validate_15gh()Validates Form 15G/15H submissions for TDS exemption eligibilityFFinacle CBSAuto-execute
generate_form16a()Generates Form 16A / TDS certificate for the depositorFFinacle CBSAuto-execute

Connected Core Systems & APIs

Direct integrations providing live data and execution rails
3 Connected Rails
FCore banking (Finacle)
Connected

Customer, account, transaction and charge data. The system of record every agent reads.

RESTRead
CRCRM & complaints
Connected

Complaint intake and ticket updates, including RBI CMS references.

RESTRead
WWhatsApp Business
Connected

Two-way messaging in 11 languages, template-bound for outbound.

CloudSend approved templates

Autonomy & Permission Boundaries

RBI Compliant
Read DataAccess customer records, historical balances, and KYC documents
Autonomous
Draft DocumentsSynthesize STRs, sanction notes, customer replies, and audit memos
Autonomous
Propose DecisionsFormulate reversal proposals, credit approvals, and settlement offers
Autonomous
Execute on CoreMove funds, post GL entries, update CBS, and file statutory reports
Autonomous

Model Evaluation & Gate Profile

2800 Benchmark Cases
99.1%
Precision Score98.8%
Misses / False PositivesZero tolerance passed
Production Gate PolicyNo auto-renew without standing instruction

Multi-Dimensional Performance Benchmark

5-Axis Audited Evaluation
AccuracySpeedComplianceCoverageCost eff.

Pending Human Sign-offs

0 in Queue
✓ All recommendations signed. Desk queue is fully cleared.