20 1 month ago

Flagship India personal-finance chat model (1.31B), live on navyam.ai. From-scratch 1.31B (~103B tokens + cooldown) then SFT on India personal-finance. Research model - not investment advice.

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Navya-1c-sft

Flagship India personal-finance chat model (1.31B) of the India-first Navya family — live on navyam.ai.

Field Value
Parameters 1.31B
Type Chat / instruct (SFT)
Base model navya-1c (1.31B from-scratch, ~103B tokens + WSD cooldown)
Training From-scratch pretraining (~103B tokens + cooldown, 8×H100), then SFT on an India personal-finance corpus (val loss ~1.09)
Date Sep 2026
Author Navyam AI (Bachatt)
Repo https://github.com/bachatt-app/navyam-gpt
License Apache-2.0
Languages English + Hindi/Hinglish + 13 Indian languages

Navya-1c-sft is the flagship chat model of the India-first Navya family: a from-scratch 1.31B base (~103B tokens + warmup-stable-decay cooldown on 8×H100) supervised-fine-tuned on an India personal-finance corpus. It answers India personal-finance questions (savings, SIPs, loans, credit, insurance, tax) in English and Hindi/Hinglish, and powers navyam.ai.

Intended use: India personal-finance Q&A.

Research model - not investment advice. For financial decisions, consult a SEBI-registered adviser.