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FiMI Banking: A Sovereign Model for Indian Retail Banking

arXiv · AI, language, vision and robotics · article · Sep 3, 2026 · UTC

Banks need conversational systems that can answer product questions, assist customers with account-related requests, and operate safely within strict operational and regulatory constraints. General-purpose language models do not reliably meet these requirements. They fall short when a task requires grounded information, correct tool use, or cautious handling of bank-specific sensitive situations. We introduce FiMI Banking, a controlled Indian retail-banking setting. We build it from vetted banking documents, structured ground truth, synthetic customer backgrounds, and banking tools. We evaluat

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